SDAI DeFi Yields
The highest honest SDAI yield right now is 4.62% on sdai (Gnosis), among 5 pools above the $100K TVL floor. Rates are live from DefiLlama and exclude anomalous (>1000% APY) pools.
5 live pools above the $100K TVL floor · ranked by TVL
Pool data verified from DefiLlama at generation time: October 18, 2026. Rates change continuously.
SDAI's largest live pool is sky-lending on Ethereum at 1.25% ($200.74M TVL). 5 SDAI pools across 2 chains clear this page's $100K TVL floor, $248.57M in total.
Your idle SDAI could earn ~2.30% — park $10.4K and it could run a $20/mo Claude Pro subscription, forever.
See live SDAI pools →| Protocol | Chain | APY | TVL |
|---|---|---|---|
| sky-lending → | Ethereum | 1.25% | $200.74M |
| sdai → | Gnosis | 4.62% | $41.17M |
| curve-dex → | Ethereum | 3.35% | $769.5K |
| curve-dex → | Ethereum | 0.13% | $203.6K |
Rate stability from APY history
Based on APY history only, SDAI's lower-variability candidates are curve-dex (Ethereum), 0.13% APY, $203.6K TVL, https://www.defi.garden/?pool=f0eead86-5acd-41a9-93c9-b01766d120e6#src=seo_token; sdai (Gnosis), 4.62% APY, $41.17M TVL, https://www.defi.garden/?pool=13392973-be6e-4b2f-bce9-4f7dd53d1c3a#src=seo_token; sky-lending (Ethereum), 1.25% APY, $200.74M TVL, https://www.defi.garden/pools/sky-lending-sdai-ethereum; curve-dex (Ethereum), 3.35% APY, $769.5K TVL, https://www.defi.garden/?pool=d22deafb-dbb1-417c-b555-cc8c9f4b955a#src=seo_token. This comparison does not measure protocol, exploit, depeg, liquidity, governance, or principal-loss risk.
| Rank | Protocol | Chain | APY | TVL |
|---|---|---|---|---|
| 1 | curve-dex → | Ethereum | 0.13% | $203.6K |
| 2 | sdai → | Gnosis | 4.62% | $41.17M |
| 3 | sky-lending → | Ethereum | 1.25% | $200.74M |
| 4 | curve-dex → | Ethereum | 3.35% | $769.5K |
How this rate has behaved
SDAI shows up in 4 pools here, with rates from 0.13% to 4.62% APY across 2 chains — the rate depends on which protocol and chain you pick, not just the token.
4 of these 4 pools have a trustworthy 30-day average on file, with a median of 2.63% — a useful check against today's number for whether the rate is steady or just having a good day.
1 of 4 pools blends 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.
| Protocol | APY | 30d Mean APY | Yield mix |
|---|---|---|---|
| sky-lending | 1.25% | 1.25% | Base rate |
| sdai | 4.62% | 4.43% | Base rate |
| curve-dex | 3.35% | 4.00% | Base rate |
| curve-dex | 0.13% | 0.13% | 0.38% 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 SDAI yield today?
4.62% APY on sdai (Gnosis), based on live DefiLlama data.
How many SDAI pools clear the TVL floor?
5 live pools clear this page's $100K TVL floor, $248.57M 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 SDAI pools have the most stable APY history?
Based on APY history only, SDAI's lower-variability candidates are curve-dex (Ethereum), 0.13% APY, $203.6K TVL, https://www.defi.garden/?pool=f0eead86-5acd-41a9-93c9-b01766d120e6#src=seo_token; sdai (Gnosis), 4.62% APY, $41.17M TVL, https://www.defi.garden/?pool=13392973-be6e-4b2f-bce9-4f7dd53d1c3a#src=seo_token; sky-lending (Ethereum), 1.25% APY, $200.74M TVL, https://www.defi.garden/pools/sky-lending-sdai-ethereum; curve-dex (Ethereum), 3.35% APY, $769.5K TVL, https://www.defi.garden/?pool=d22deafb-dbb1-417c-b555-cc8c9f4b955a#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 18, 2026
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