USAT DeFi Yields
The highest honest USAT yield right now is 0.13% on uniswap-v3 (Celo), among 3 pools above the $100K TVL floor. Rates are live from DefiLlama and exclude anomalous (>1000% APY) pools.
3 live pools above the $100K TVL floor · ranked by TVL
Pool data verified from DefiLlama at generation time: October 18, 2026. Rates change continuously.
USAT's largest live pool is centrifuge-protocol on Ethereum at 3.63% ($292.73M TVL). 3 USAT pools across 2 chains clear this page's $100K TVL floor, $302.84M in total.
Your idle USAT could earn ~1.88% — park $12.7K and it could run a $20/mo Claude Pro subscription, forever.
See live USAT pools →| Protocol | Chain | APY | TVL |
|---|---|---|---|
| centrifuge-protocol 🔒 → | Ethereum | 3.63% | $292.73M |
| uniswap-v3 → | Celo | 0.13% | $105.6K |
Rate stability from APY history
Based on APY history only, USAT's lower-variability candidates are uniswap-v3 (Celo), 0.13% APY, $105.6K TVL, https://www.defi.garden/?pool=7ce2ad39-2599-5ab3-9363-8b2f0a10b24f#src=seo_token; centrifuge-protocol (Ethereum), 3.63% APY, $292.73M TVL, https://www.defi.garden/pools/centrifuge-protocol-usat-ethereum. This comparison does not measure protocol, exploit, depeg, liquidity, governance, or principal-loss risk.
| Rank | Protocol | Chain | APY | TVL |
|---|---|---|---|---|
| 1 | uniswap-v3 → | Celo | 0.13% | $105.6K |
| 2 | centrifuge-protocol → | Ethereum | 3.63% | $292.73M |
How this rate has behaved
USAT shows up in 2 pools here, with rates from 0.13% to 3.63% APY across 2 chains — the rate depends on which protocol and chain you pick, not just the token.
2 of these 2 pools have a trustworthy 30-day average on file, with a median of 2.06% — a useful check against today's number for whether the rate is steady or just having a good day.
All 2 pools pay a plain base rate right now — no incentive or reward APY mixed in.
1 of 2 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 |
|---|---|---|---|
| centrifuge-protocol | 3.63% | 3.75% | Base rate |
| uniswap-v3 | 0.13% | 0.37% | 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 USAT yield today?
0.13% APY on uniswap-v3 (Celo), based on live DefiLlama data.
How many USAT pools clear the TVL floor?
3 live pools clear this page's $100K TVL floor, $302.84M 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 USAT pools have the most stable APY history?
Based on APY history only, USAT's lower-variability candidates are uniswap-v3 (Celo), 0.13% APY, $105.6K TVL, https://www.defi.garden/?pool=7ce2ad39-2599-5ab3-9363-8b2f0a10b24f#src=seo_token; centrifuge-protocol (Ethereum), 3.63% APY, $292.73M TVL, https://www.defi.garden/pools/centrifuge-protocol-usat-ethereum. 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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