USD3 DeFi Yields
The highest honest USD3 yield right now is 17.98% on convex-finance (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
USD3's largest live pool is 3jane-lending on Ethereum at 6.86% ($72.48M TVL). 13 USD3 pools across 1 chain clear this page's $100K TVL floor, $132.88M in total.
Your idle USD3 could earn ~11.42% — park $2.1K and it could run a $20/mo Claude Pro subscription, forever.
See live USD3 pools →| Protocol | Chain | APY | TVL |
|---|---|---|---|
| 3jane-lending → | Ethereum | 6.86% | $72.48M |
| morpho-blue → | Ethereum | 1.22% | $22.04M |
| morpho-blue → | Ethereum | 1.77% | $17.35M |
| pendle → | Ethereum | 11.77% | $6.45M |
| pendle → | Ethereum | 13.84% | $6.45M |
| curve-dex → | Ethereum | 11.06% | $2.47M |
| convex-finance → | Ethereum | 17.98% | $1.42M |
| stake-dao → | Ethereum | 14.97% | $946.4K |
Rate stability from APY history
Based on APY history only, USD3's lower-variability candidates are morpho-blue (Ethereum), 1.22% APY, $22.04M TVL, https://www.defi.garden/?pool=032bee19-6763-4f4d-862f-f4cf0e1774c3&src=seo_token; morpho-blue (Ethereum), 1.77% APY, $17.35M TVL, https://www.defi.garden/?pool=790ebca5-08ba-46ea-9ef3-f5520bf9584c&src=seo_token; 3jane-lending (Ethereum), 6.86% APY, $72.48M TVL, https://www.defi.garden/?pool=f8cd444e-d99f-4132-b234-fd3482bf8806&src=seo_token; pendle (Ethereum), 13.84% APY, $6.45M TVL, https://www.defi.garden/?pool=b6490fe9-b16a-4ccf-8701-cbded659b397&src=seo_token; stake-dao (Ethereum), 14.97% APY, $946.4K TVL, https://www.defi.garden/?pool=69e053b2-dd99-4c52-beff-a9938cb62fa0&src=seo_token; curve-dex (Ethereum), 11.06% APY, $2.47M TVL, https://www.defi.garden/?pool=530bb752-3930-487d-be70-f9510ea1e86e&src=seo_token; pendle (Ethereum), 11.77% APY, $6.45M TVL, https://www.defi.garden/?pool=0e594c5e-79e3-4ce8-85aa-661dfd9e8ed8&src=seo_token; convex-finance (Ethereum), 17.98% APY, $1.42M 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 | 1.22% | $22.04M |
| 2 | morpho-blue → | Ethereum | 1.77% | $17.35M |
| 3 | 3jane-lending → | Ethereum | 6.86% | $72.48M |
| 4 | pendle → | Ethereum | 13.84% | $6.45M |
| 5 | stake-dao → | Ethereum | 14.97% | $946.4K |
| 6 | curve-dex → | Ethereum | 11.06% | $2.47M |
| 7 | pendle → | Ethereum | 11.77% | $6.45M |
| 8 | convex-finance → | Ethereum | 17.98% | $1.42M |
How this rate has behaved
USD3 shows up in 8 pools here, with rates from 1.22% to 17.98% 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 11.14% — a useful check against today's number for whether the rate is steady or just having a good day.
6 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.
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 |
|---|---|---|---|
| 3jane-lending | 6.86% | 6.84% | Base rate |
| morpho-blue | 1.22% | 1.63% | 100.00% incentives |
| morpho-blue | 1.77% | 1.88% | 100.00% incentives |
| pendle | 11.77% | 11.92% | 4.13% incentives |
| pendle | 13.84% | 13.90% | Base rate |
| curve-dex | 11.06% | 10.36% | 63.65% incentives |
| convex-finance | 17.98% | 13.65% | 77.64% incentives |
| stake-dao | 14.97% | 13.21% | 76.02% 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?
17.98% APY on convex-finance (Ethereum), based on live DefiLlama data.
How many USD3 pools clear the TVL floor?
13 live pools clear this page's $100K TVL floor, $132.88M 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), 1.22% APY, $22.04M TVL, https://www.defi.garden/?pool=032bee19-6763-4f4d-862f-f4cf0e1774c3&src=seo_token; morpho-blue (Ethereum), 1.77% APY, $17.35M TVL, https://www.defi.garden/?pool=790ebca5-08ba-46ea-9ef3-f5520bf9584c&src=seo_token; 3jane-lending (Ethereum), 6.86% APY, $72.48M TVL, https://www.defi.garden/?pool=f8cd444e-d99f-4132-b234-fd3482bf8806&src=seo_token; pendle (Ethereum), 13.84% APY, $6.45M TVL, https://www.defi.garden/?pool=b6490fe9-b16a-4ccf-8701-cbded659b397&src=seo_token; stake-dao (Ethereum), 14.97% APY, $946.4K TVL, https://www.defi.garden/?pool=69e053b2-dd99-4c52-beff-a9938cb62fa0&src=seo_token; curve-dex (Ethereum), 11.06% APY, $2.47M TVL, https://www.defi.garden/?pool=530bb752-3930-487d-be70-f9510ea1e86e&src=seo_token; pendle (Ethereum), 11.77% APY, $6.45M TVL, https://www.defi.garden/?pool=0e594c5e-79e3-4ce8-85aa-661dfd9e8ed8&src=seo_token; convex-finance (Ethereum), 17.98% APY, $1.42M 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.
Get early access to the card
A card that spends your USD3 yield — never your USD3 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.