USD3 DeFi Yields
The highest honest USD3 yield right now is 15.11% on pendle-v2 (Ethereum), among 13 pools above the $100K TVL floor. Rates are live from DefiLlama and exclude anomalous (>1000% APY) pools.
13 live pools above the $100K TVL floor · ranked by TVL
Pool data verified from DefiLlama at generation time: October 18, 2026. Rates change continuously.
USD3's largest live pool is 3jane-lending on Ethereum at 6.68% ($93.14M TVL). 13 USD3 pools across 1 chain clear this page's $100K TVL floor, $169.71M in total.
Your idle USD3 could earn ~7.40% — park $3.2K and it could run a $20/mo Claude Pro subscription, forever.
See live USD3 pools →| Protocol | Chain | APY | TVL |
|---|---|---|---|
| 3jane-lending → | Ethereum | 6.68% | $93.14M |
| morpho-blue → | Ethereum | 0.72% | $31.25M |
| morpho-blue → | Ethereum | 0.90% | $21.19M |
| pendle-v2 → | Ethereum | 15.11% | $7.18M |
| pendle-v2 → | Ethereum | 13.14% | $7.18M |
| curve-dex → | Ethereum | 6.68% | $2.36M |
| reserve-protocol → | Ethereum | 8.13% | $1.74M |
| convex-finance → | Ethereum | 10.83% | $1.54M |
Rate stability from APY history
Based on APY history only, USD3's lower-variability candidates are morpho-blue (Ethereum), 0.72% APY, $31.25M TVL, https://www.defi.garden/?pool=032bee19-6763-4f4d-862f-f4cf0e1774c3#src=seo_token; morpho-blue (Ethereum), 0.90% APY, $21.19M TVL, https://www.defi.garden/?pool=790ebca5-08ba-46ea-9ef3-f5520bf9584c#src=seo_token; 3jane-lending (Ethereum), 6.68% APY, $93.14M TVL, https://www.defi.garden/?pool=f8cd444e-d99f-4132-b234-fd3482bf8806#src=seo_token; pendle-v2 (Ethereum), 15.11% APY, $7.18M TVL, https://www.defi.garden/?pool=b6490fe9-b16a-4ccf-8701-cbded659b397#src=seo_token; reserve-protocol (Ethereum), 8.13% APY, $1.74M TVL, https://www.defi.garden/?pool=9c4e675e-7615-4d60-90ef-03d58c66b476#src=seo_token; curve-dex (Ethereum), 6.68% APY, $2.36M TVL, https://www.defi.garden/?pool=530bb752-3930-487d-be70-f9510ea1e86e#src=seo_token; pendle-v2 (Ethereum), 13.14% APY, $7.18M TVL, https://www.defi.garden/?pool=0e594c5e-79e3-4ce8-85aa-661dfd9e8ed8#src=seo_token; convex-finance (Ethereum), 10.83% APY, $1.54M TVL, https://www.defi.garden/?pool=4ea20421-ce5f-5a0d-971a-39e7afa017f8#src=seo_token. This comparison does not measure protocol, exploit, depeg, liquidity, governance, or principal-loss risk.
| Rank | Protocol | Chain | APY | TVL |
|---|---|---|---|---|
| 1 | morpho-blue → | Ethereum | 0.72% | $31.25M |
| 2 | morpho-blue → | Ethereum | 0.90% | $21.19M |
| 3 | 3jane-lending → | Ethereum | 6.68% | $93.14M |
| 4 | pendle-v2 → | Ethereum | 15.11% | $7.18M |
| 5 | reserve-protocol → | Ethereum | 8.13% | $1.74M |
| 6 | curve-dex → | Ethereum | 6.68% | $2.36M |
| 7 | pendle-v2 → | Ethereum | 13.14% | $7.18M |
| 8 | convex-finance → | Ethereum | 10.83% | $1.54M |
How this rate has behaved
USD3 shows up in 8 pools here, with rates from 0.72% to 15.11% APY across 1 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 7.91% — a useful check against today's number for whether the rate is steady or just having a good day.
5 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.
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 |
|---|---|---|---|
| 3jane-lending | 6.68% | 6.67% | Base rate |
| morpho-blue | 0.72% | 0.78% | 100.00% incentives |
| morpho-blue | 0.90% | 0.90% | 100.00% incentives |
| pendle-v2 | 15.11% | 14.62% | Base rate |
| pendle-v2 | 13.14% | 12.60% | 3.68% incentives |
| curve-dex | 6.68% | 9.14% | 83.22% incentives |
| reserve-protocol | 8.13% | 2.87% | Base rate |
| convex-finance | 10.83% | 14.85% | 89.66% 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 USD3 yield today?
15.11% APY on pendle-v2 (Ethereum), based on live DefiLlama data.
How many USD3 pools clear the TVL floor?
13 live pools clear this page's $100K TVL floor, $169.71M 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 USD3 pools have the most stable APY history?
Based on APY history only, USD3's lower-variability candidates are morpho-blue (Ethereum), 0.72% APY, $31.25M TVL, https://www.defi.garden/?pool=032bee19-6763-4f4d-862f-f4cf0e1774c3#src=seo_token; morpho-blue (Ethereum), 0.90% APY, $21.19M TVL, https://www.defi.garden/?pool=790ebca5-08ba-46ea-9ef3-f5520bf9584c#src=seo_token; 3jane-lending (Ethereum), 6.68% APY, $93.14M TVL, https://www.defi.garden/?pool=f8cd444e-d99f-4132-b234-fd3482bf8806#src=seo_token; pendle-v2 (Ethereum), 15.11% APY, $7.18M TVL, https://www.defi.garden/?pool=b6490fe9-b16a-4ccf-8701-cbded659b397#src=seo_token; reserve-protocol (Ethereum), 8.13% APY, $1.74M TVL, https://www.defi.garden/?pool=9c4e675e-7615-4d60-90ef-03d58c66b476#src=seo_token; curve-dex (Ethereum), 6.68% APY, $2.36M TVL, https://www.defi.garden/?pool=530bb752-3930-487d-be70-f9510ea1e86e#src=seo_token; pendle-v2 (Ethereum), 13.14% APY, $7.18M TVL, https://www.defi.garden/?pool=0e594c5e-79e3-4ce8-85aa-661dfd9e8ed8#src=seo_token; convex-finance (Ethereum), 10.83% APY, $1.54M TVL, https://www.defi.garden/?pool=4ea20421-ce5f-5a0d-971a-39e7afa017f8#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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