SUSDAI DeFi Yields
The highest honest SUSDAI yield right now is 9.21% on pendle-v2 (Arbitrum), among 27 pools above the $100K TVL floor. Rates are live from DefiLlama and exclude anomalous (>1000% APY) pools.
27 live pools above the $100K TVL floor · ranked by TVL
Pool data verified from DefiLlama at generation time: October 18, 2026. Rates change continuously.
SUSDAI's largest live pool is usd-ai on Arbitrum at 6.24% ($553.02M TVL). 27 SUSDAI pools across 5 chains clear this page's $100K TVL floor, $796.09M in total.
Your idle SUSDAI could earn ~4.18% — park $5.7K and it could run a $20/mo Claude Pro subscription, forever.
See live SUSDAI pools →| Protocol | Chain | APY | TVL |
|---|---|---|---|
| usd-ai → | Arbitrum | 6.24% | $553.02M |
| fluid-dex → | Ethereum | 0.40% | $17.46M |
| fluid-dex → | Ethereum | 0.39% | $15.02M |
| fluid-dex → | Arbitrum | 0.07% | $9.95M |
| pendle-v2 → | Arbitrum | 9.21% | $6.74M |
| pendle-v2 → | Arbitrum | 8.80% | $6.74M |
| curve-dex → | Arbitrum | 5.00% | $1.37M |
| fluid-dex → | Arbitrum | 3.36% | $626.9K |
Rate stability from APY history
Based on APY history only, SUSDAI's lower-variability candidates are fluid-dex (Ethereum), 0.40% APY, $17.46M TVL, https://www.defi.garden/?pool=e9718cac-695f-4012-af88-1c7caeffa471#src=seo_token; fluid-dex (Ethereum), 0.39% APY, $15.02M TVL, https://www.defi.garden/?pool=195030f8-7795-4dc6-b18c-0020d845c1c6#src=seo_token; pendle-v2 (Arbitrum), 8.80% APY, $6.74M TVL, https://www.defi.garden/?pool=b44dc004-56b7-48d0-97b6-da33ead5e6eb#src=seo_token; usd-ai (Arbitrum), 6.24% APY, $553.02M TVL, https://www.defi.garden/pools/usd-ai-susdai-arbitrum; pendle-v2 (Arbitrum), 9.21% APY, $6.74M TVL, https://www.defi.garden/?pool=0ab4e683-9d5b-43d3-aeb8-98dd1da1a694#src=seo_token; fluid-dex (Arbitrum), 3.36% APY, $626.9K TVL, https://www.defi.garden/?pool=9605b661-5066-4aeb-b2f6-119db53e9d79#src=seo_token; fluid-dex (Arbitrum), 0.07% APY, $9.95M TVL, https://www.defi.garden/?pool=8e68dfc4-646e-4fdc-b068-891296c80fb5#src=seo_token; curve-dex (Arbitrum), 5.00% APY, $1.37M TVL, https://www.defi.garden/?pool=24d52f63-cc2a-40a4-914d-6056f5e0f8ee#src=seo_token. This comparison does not measure protocol, exploit, depeg, liquidity, governance, or principal-loss risk.
| Rank | Protocol | Chain | APY | TVL |
|---|---|---|---|---|
| 1 | fluid-dex → | Ethereum | 0.40% | $17.46M |
| 2 | fluid-dex → | Ethereum | 0.39% | $15.02M |
| 3 | pendle-v2 → | Arbitrum | 8.80% | $6.74M |
| 4 | usd-ai → | Arbitrum | 6.24% | $553.02M |
| 5 | pendle-v2 → | Arbitrum | 9.21% | $6.74M |
| 6 | fluid-dex → | Arbitrum | 3.36% | $626.9K |
| 7 | fluid-dex → | Arbitrum | 0.07% | $9.95M |
| 8 | curve-dex → | Arbitrum | 5.00% | $1.37M |
How this rate has behaved
SUSDAI shows up in 8 pools here, with rates from 0.07% to 9.21% APY across 2 chains — the rate depends on which protocol and chain you pick, not just the token.
8 of these 8 pools have a trustworthy 30-day average on file, with a median of 2.97% — a useful check against today's number for whether the rate is steady or just having a good day.
1 of 8 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.
1 of 8 pools carries 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 |
|---|---|---|---|
| usd-ai | 6.24% | 7.01% | Base rate |
| fluid-dex | 0.40% | 0.22% | Base rate |
| fluid-dex | 0.39% | 0.34% | Base rate |
| fluid-dex | 0.07% | 1.15% | Base rate |
| pendle-v2 | 9.21% | 10.15% | 5.87% incentives |
| pendle-v2 | 8.80% | 9.96% | Base rate |
| curve-dex | 5.00% | 4.61% | Base rate |
| fluid-dex | 3.36% | 1.34% | Base rate |
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 SUSDAI yield today?
9.21% APY on pendle-v2 (Arbitrum), based on live DefiLlama data.
How many SUSDAI pools clear the TVL floor?
27 live pools clear this page's $100K TVL floor, $796.09M 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 SUSDAI pools have the most stable APY history?
Based on APY history only, SUSDAI's lower-variability candidates are fluid-dex (Ethereum), 0.40% APY, $17.46M TVL, https://www.defi.garden/?pool=e9718cac-695f-4012-af88-1c7caeffa471#src=seo_token; fluid-dex (Ethereum), 0.39% APY, $15.02M TVL, https://www.defi.garden/?pool=195030f8-7795-4dc6-b18c-0020d845c1c6#src=seo_token; pendle-v2 (Arbitrum), 8.80% APY, $6.74M TVL, https://www.defi.garden/?pool=b44dc004-56b7-48d0-97b6-da33ead5e6eb#src=seo_token; usd-ai (Arbitrum), 6.24% APY, $553.02M TVL, https://www.defi.garden/pools/usd-ai-susdai-arbitrum; pendle-v2 (Arbitrum), 9.21% APY, $6.74M TVL, https://www.defi.garden/?pool=0ab4e683-9d5b-43d3-aeb8-98dd1da1a694#src=seo_token; fluid-dex (Arbitrum), 3.36% APY, $626.9K TVL, https://www.defi.garden/?pool=9605b661-5066-4aeb-b2f6-119db53e9d79#src=seo_token; fluid-dex (Arbitrum), 0.07% APY, $9.95M TVL, https://www.defi.garden/?pool=8e68dfc4-646e-4fdc-b068-891296c80fb5#src=seo_token; curve-dex (Arbitrum), 5.00% APY, $1.37M TVL, https://www.defi.garden/?pool=24d52f63-cc2a-40a4-914d-6056f5e0f8ee#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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