USD1 DeFi Yields
The highest honest USD1 yield right now is 27.79% on raydium-amm (Solana), among 21 pools above the $100K TVL floor. Rates are live from DefiLlama and exclude anomalous (>1000% APY) pools.
21 live pools above the $100K TVL floor · ranked by TVL
USD1's largest live pool is lista-lending on BSC at 1.79% ($138.05M TVL). 21 USD1 pools across 4 chains clear this page's $100K TVL floor, $305.44M in total.
Your idle USD1 could earn ~5.55% — park $4.3K and it could run a $20/mo Claude Pro subscription, forever.
See live USD1 pools →| Protocol | Chain | APY | TVL |
|---|---|---|---|
| lista-lending → | BSC | 1.79% | $138.05M |
| dolomite → | Ethereum | 8.54% | $98.35M |
| concrete → | Ethereum | 119.00% | $25.06M |
| curve-dex → | Ethereum | 0.19% | $10.06M |
| raydium-amm → | Solana | 0.40% | $9.9M |
| bitway-earn → | BSC | 8.00% | $9.76M |
| raydium-amm → | Solana | 27.79% | $4.78M |
| echelon-market → | Aptos | 3.10% | $1.44M |
Rate stability from APY history
Based on APY history only, USD1's lower-variability candidates are curve-dex (Ethereum), 0.19% APY, $10.06M TVL, https://www.defi.garden/?pool=8f9342a3-be19-4dcb-889f-3eb6f8402e23&src=seo_token; bitway-earn (BSC), 8.00% APY, $9.76M TVL, https://www.defi.garden/?pool=5527ec50-0afb-4812-a794-746d6b37b429&src=seo_token; echelon-market (Aptos), 3.10% APY, $1.44M TVL, https://www.defi.garden/?pool=77602b93-35e4-48eb-bd66-043d13f442b1&src=seo_token; lista-lending (BSC), 1.79% APY, $138.05M TVL, https://www.defi.garden/?pool=d6fec854-4258-495b-95df-e4066214f41d&src=seo_token; raydium-amm (Solana), 0.40% APY, $9.9M TVL, https://www.defi.garden/?pool=d14d4632-727b-47c2-b69a-def5691b4155&src=seo_token; dolomite (Ethereum), 8.54% APY, $98.35M TVL, https://www.defi.garden/?pool=86e18974-35ca-4948-9c82-694facf9d082&src=seo_token; raydium-amm (Solana), 27.79% APY, $4.78M 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 | 0.19% | $10.06M |
| 2 | bitway-earn → | BSC | 8.00% | $9.76M |
| 3 | echelon-market → | Aptos | 3.10% | $1.44M |
| 4 | lista-lending → | BSC | 1.79% | $138.05M |
| 5 | raydium-amm → | Solana | 0.40% | $9.9M |
| 6 | dolomite → | Ethereum | 8.54% | $98.35M |
| 7 | raydium-amm → | Solana | 27.79% | $4.78M |
How this rate has behaved
USD1 shows up in 8 pools here, with rates from 0.19% to 119.00% 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 2.80% — 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.
3 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 | 1.79% | 1.25% | Base rate |
| dolomite | 8.54% | 8.21% | 74.06% incentives |
| concrete | 119.00% | 1.63% | Base rate |
| curve-dex | 0.19% | 0.45% | Base rate |
| raydium-amm | 0.40% | 0.75% | Base rate |
| bitway-earn | 8.00% | 8.00% | Base rate |
| raydium-amm | 27.79% | 38.06% | Base rate |
| echelon-market | 3.10% | 3.96% | 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 USD1 yield today?
27.79% APY on raydium-amm (Solana), based on live DefiLlama data.
How many USD1 pools clear the TVL floor?
21 live pools clear this page's $100K TVL floor, $305.44M 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), 0.19% APY, $10.06M TVL, https://www.defi.garden/?pool=8f9342a3-be19-4dcb-889f-3eb6f8402e23&src=seo_token; bitway-earn (BSC), 8.00% APY, $9.76M TVL, https://www.defi.garden/?pool=5527ec50-0afb-4812-a794-746d6b37b429&src=seo_token; echelon-market (Aptos), 3.10% APY, $1.44M TVL, https://www.defi.garden/?pool=77602b93-35e4-48eb-bd66-043d13f442b1&src=seo_token; lista-lending (BSC), 1.79% APY, $138.05M TVL, https://www.defi.garden/?pool=d6fec854-4258-495b-95df-e4066214f41d&src=seo_token; raydium-amm (Solana), 0.40% APY, $9.9M TVL, https://www.defi.garden/?pool=d14d4632-727b-47c2-b69a-def5691b4155&src=seo_token; dolomite (Ethereum), 8.54% APY, $98.35M TVL, https://www.defi.garden/?pool=86e18974-35ca-4948-9c82-694facf9d082&src=seo_token; raydium-amm (Solana), 27.79% APY, $4.78M 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.
Get early access to the card
A card that spends your USD1 yield — never your USD1 itself. Join the waitlist and be first when it's ready.
Join the waitlist →Free to join • Card doesn't exist yet • We'll email you when it does
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 September 2, 2026
DeFi Garden 🌱 — plan your DeFi savings by goal.