PT DeFi Yields
The highest honest PT yield right now is 2.93% on neverland (Monad), among 37 pools above the $100K TVL floor. Rates are live from DefiLlama and exclude anomalous (>1000% APY) pools.
37 live pools above the $100K TVL floor · ranked by TVL
Pool data verified from DefiLlama at generation time: October 5, 2026. Rates change continuously.
PT's largest live pool is morpho-blue on Ethereum at 0.77% ($30.92M TVL). 37 PT pools across 7 chains clear this page's $100K TVL floor, $459.82M in total.
Your idle PT could earn ~2.22% — park $10.8K and it could run a $20/mo Claude Pro subscription, forever.
See live PT pools →| Protocol | Chain | APY | TVL |
|---|---|---|---|
| morpho-blue → | Ethereum | 0.77% | $30.92M |
| morpho-blue → | Monad | 2.22% | $25.97M |
| neverland → | Monad | 2.93% | $2.14M |
| morpho-blue → | Ethereum | 5.36% | $1.25M |
| neverland → | Monad | 1.54% | $116.8K |
Rate stability from APY history
Based on APY history only, PT's lower-variability candidates are neverland (Monad), 1.54% APY, $116.8K TVL, https://www.defi.garden/?pool=5cf0dfdc-1a88-5a99-bb68-f347140d4809#src=seo_token; morpho-blue (Monad), 2.22% APY, $25.97M TVL, https://www.defi.garden/?pool=e864b9eb-bd40-57f3-be5a-2969271ad7e2#src=seo_token; neverland (Monad), 2.93% APY, $2.14M TVL, https://www.defi.garden/?pool=ed278631-10d3-5aaf-9e27-14d89058a5a6#src=seo_token; morpho-blue (Ethereum), 0.77% APY, $30.92M TVL, https://www.defi.garden/?pool=032bee19-6763-4f4d-862f-f4cf0e1774c3#src=seo_token; morpho-blue (Ethereum), 5.36% APY, $1.25M TVL, https://www.defi.garden/?pool=61c9f747-788b-526f-858b-90458925ec3e#src=seo_token. This comparison does not measure protocol, exploit, depeg, liquidity, governance, or principal-loss risk.
| Rank | Protocol | Chain | APY | TVL |
|---|---|---|---|---|
| 1 | neverland → | Monad | 1.54% | $116.8K |
| 2 | morpho-blue → | Monad | 2.22% | $25.97M |
| 3 | neverland → | Monad | 2.93% | $2.14M |
| 4 | morpho-blue → | Ethereum | 0.77% | $30.92M |
| 5 | morpho-blue → | Ethereum | 5.36% | $1.25M |
How this rate has behaved
PT shows up in 5 pools here, with rates from 0.77% to 5.36% APY across 2 chains — the rate depends on which protocol and chain you pick, not just the token.
5 of these 5 pools have a trustworthy 30-day average on file, with a median of 1.71% — a useful check against today's number for whether the rate is steady or just having a good day.
5 of 5 pools blend in incentive or reward APY on top of the base rate. Incentive yield decays over time as reward programs run down — the base rate is the more durable number.
5 of 5 pools carry impermanent-loss risk, meaning a two-sided position can lose value against just holding, even while it earns yield.
| Protocol | APY | 30d Mean APY | Yield mix |
|---|---|---|---|
| morpho-blue | 0.77% | 0.97% | 100.00% incentives |
| morpho-blue | 2.22% | 1.01% | 100.00% incentives |
| neverland | 2.93% | 4.81% | 100.00% incentives |
| morpho-blue | 5.36% | 3.14% | 100.00% incentives |
| neverland | 1.54% | 1.71% | 100.00% incentives |
The 30-day average comes straight from DefiLlama and only appears when it passes the same sanity rail as every other number on this page — a dash means it didn't clear that bar, not that it's being hidden. Every pool here already clears a $100K minimum TVL. Rates move daily, so treat this as a snapshot, not a promise.
Frequently asked questions
What's the highest PT yield today?
2.93% APY on neverland (Monad), based on live DefiLlama data.
How many PT pools clear the TVL floor?
37 live pools clear this page's $100K TVL floor, $459.82M in total.
Are these rates safe?
Pools listed on this page clear a $100K minimum TVL and exclude anomalous (>1000% APY) rates — that is this page's listing bar, not a safety guarantee. This is education, not financial advice; DeFi carries smart-contract and market risk regardless of the rate shown.
Which PT pools have the most stable APY history?
Based on APY history only, PT's lower-variability candidates are neverland (Monad), 1.54% APY, $116.8K TVL, https://www.defi.garden/?pool=5cf0dfdc-1a88-5a99-bb68-f347140d4809#src=seo_token; morpho-blue (Monad), 2.22% APY, $25.97M TVL, https://www.defi.garden/?pool=e864b9eb-bd40-57f3-be5a-2969271ad7e2#src=seo_token; neverland (Monad), 2.93% APY, $2.14M TVL, https://www.defi.garden/?pool=ed278631-10d3-5aaf-9e27-14d89058a5a6#src=seo_token; morpho-blue (Ethereum), 0.77% APY, $30.92M TVL, https://www.defi.garden/?pool=032bee19-6763-4f4d-862f-f4cf0e1774c3#src=seo_token; morpho-blue (Ethereum), 5.36% APY, $1.25M TVL, https://www.defi.garden/?pool=61c9f747-788b-526f-858b-90458925ec3e#src=seo_token. This comparison does not measure protocol, exploit, depeg, liquidity, governance, or principal-loss risk.
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Yields are live from DefiLlama. Pools on this page clear a $100K minimum TVL and exclude anomalous rates — that's this page's listing bar, not a safety guarantee. Education only, not financial advice.
Last updated October 5, 2026
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