USD1 DeFi Yields
The highest honest USD1 yield right now is 8.44% on dolomite (Ethereum), among 17 pools above the $100K TVL floor. Rates are live from DefiLlama and exclude anomalous (>1000% APY) pools.
17 live pools above the $100K TVL floor · ranked by TVL
Pool data verified from DefiLlama at generation time: October 18, 2026. Rates change continuously.
USD1's largest live pool is lista-lending on BSC at 1.28% ($138.17M TVL). 17 USD1 pools across 5 chains clear this page's $100K TVL floor, $247.34M in total.
Your idle USD1 could earn ~3.31% — park $7.3K and it could run a $20/mo Claude Pro subscription, forever.
See live USD1 pools →| Protocol | Chain | APY | TVL |
|---|---|---|---|
| lista-lending → | BSC | 1.28% | $138.17M |
| dolomite → | Ethereum | 8.44% | $49.73M |
| curve-dex → | Ethereum | 0.09% | $10.05M |
| raydium-amm → | Solana | 0.52% | $9.9M |
| raydium-amm → | Solana | 9.50% | $4.67M |
| echelon-market → | Aptos | 4.93% | $781.5K |
| venus-core-pool → | BSC | 1.68% | $507.5K |
| hyperion → | Aptos | 6.40% | $402.9K |
Rate stability from APY history
Based on APY history only, USD1's lower-variability candidates are curve-dex (Ethereum), 0.09% APY, $10.05M TVL, https://www.defi.garden/?pool=8f9342a3-be19-4dcb-889f-3eb6f8402e23#src=seo_token; echelon-market (Aptos), 4.93% APY, $781.5K TVL, https://www.defi.garden/?pool=77602b93-35e4-48eb-bd66-043d13f442b1#src=seo_token; lista-lending (BSC), 1.28% APY, $138.17M TVL, https://www.defi.garden/pools/lista-lending-usd1-bsc; raydium-amm (Solana), 0.52% APY, $9.9M TVL, https://www.defi.garden/?pool=d14d4632-727b-47c2-b69a-def5691b4155#src=seo_token; venus-core-pool (BSC), 1.68% APY, $507.5K TVL, https://www.defi.garden/?pool=406b11b4-c4f9-4253-bfd3-388c208a4ecd#src=seo_token; dolomite (Ethereum), 8.44% APY, $49.73M TVL, https://www.defi.garden/?pool=86e18974-35ca-4948-9c82-694facf9d082#src=seo_token; hyperion (Aptos), 6.40% APY, $402.9K TVL, https://www.defi.garden/?pool=0178abb0-ea19-49cc-9bf2-0896437ed982#src=seo_token; raydium-amm (Solana), 9.50% APY, $4.67M TVL, https://www.defi.garden/?pool=866092b0-6627-432a-af86-e1af0c4dae6c#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 | 0.09% | $10.05M |
| 2 | echelon-market → | Aptos | 4.93% | $781.5K |
| 3 | lista-lending → | BSC | 1.28% | $138.17M |
| 4 | raydium-amm → | Solana | 0.52% | $9.9M |
| 5 | venus-core-pool → | BSC | 1.68% | $507.5K |
| 6 | dolomite → | Ethereum | 8.44% | $49.73M |
| 7 | hyperion → | Aptos | 6.40% | $402.9K |
| 8 | raydium-amm → | Solana | 9.50% | $4.67M |
How this rate has behaved
USD1 shows up in 8 pools here, with rates from 0.09% to 9.50% APY across 4 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 3.35% — a useful check against today's number for whether the rate is steady or just having a good day.
3 of 8 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.
2 of 8 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 |
|---|---|---|---|
| lista-lending | 1.28% | 1.21% | Base rate |
| dolomite | 8.44% | 7.86% | 54.82% incentives |
| curve-dex | 0.09% | 0.32% | Base rate |
| raydium-amm | 0.52% | 0.66% | Base rate |
| raydium-amm | 9.50% | 24.54% | Base rate |
| echelon-market | 4.93% | 4.83% | 14.26% incentives |
| venus-core-pool | 1.68% | 1.86% | Base rate |
| hyperion | 6.40% | 6.40% | 84.88% 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 USD1 yield today?
8.44% APY on dolomite (Ethereum), based on live DefiLlama data.
How many USD1 pools clear the TVL floor?
17 live pools clear this page's $100K TVL floor, $247.34M 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 USD1 pools have the most stable APY history?
Based on APY history only, USD1's lower-variability candidates are curve-dex (Ethereum), 0.09% APY, $10.05M TVL, https://www.defi.garden/?pool=8f9342a3-be19-4dcb-889f-3eb6f8402e23#src=seo_token; echelon-market (Aptos), 4.93% APY, $781.5K TVL, https://www.defi.garden/?pool=77602b93-35e4-48eb-bd66-043d13f442b1#src=seo_token; lista-lending (BSC), 1.28% APY, $138.17M TVL, https://www.defi.garden/pools/lista-lending-usd1-bsc; raydium-amm (Solana), 0.52% APY, $9.9M TVL, https://www.defi.garden/?pool=d14d4632-727b-47c2-b69a-def5691b4155#src=seo_token; venus-core-pool (BSC), 1.68% APY, $507.5K TVL, https://www.defi.garden/?pool=406b11b4-c4f9-4253-bfd3-388c208a4ecd#src=seo_token; dolomite (Ethereum), 8.44% APY, $49.73M TVL, https://www.defi.garden/?pool=86e18974-35ca-4948-9c82-694facf9d082#src=seo_token; hyperion (Aptos), 6.40% APY, $402.9K TVL, https://www.defi.garden/?pool=0178abb0-ea19-49cc-9bf2-0896437ed982#src=seo_token; raydium-amm (Solana), 9.50% APY, $4.67M TVL, https://www.defi.garden/?pool=866092b0-6627-432a-af86-e1af0c4dae6c#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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