USDAI DeFi Yields
The highest honest USDAI yield right now is 8.10% on pendle (Arbitrum), among 4 pools above the $100K TVL floor. Rates are live from DefiLlama and exclude anomalous (>1000% APY) pools.
4 live pools above the $100K TVL floor · ranked by TVL
USDAI's largest live pool is pendle on Arbitrum at 1.48% ($50.29M TVL). 4 USDAI pools across 1 chain clear this page's $100K TVL floor, $103.25M in total.
Your idle USDAI could earn ~4.79% — park $5K and it could run a $20/mo Claude Pro subscription, forever.
See live USDAI pools →Rate stability from APY history
Based on APY history only, USDAI's lower-variability candidates are pendle (Arbitrum), 8.10% APY, $50.29M TVL, https://www.defi.garden/?pool=2785c8d0-348b-4e8f-904e-4b02819993b9&src=seo_token; pendle (Arbitrum), 1.48% APY, $50.29M TVL, https://www.defi.garden/?pool=adc1a060-aa9b-416e-ad10-4b7d7100b42c&src=seo_token. This comparison does not measure protocol, exploit, depeg, liquidity, governance, or principal-loss risk.
How this rate has behaved
USDAI shows up in 2 pools here, with rates from 1.48% to 8.10% APY across 1 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 4.12% — a useful check against today's number for whether the rate is steady or just having a good day.
1 of 2 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.
| Protocol | APY | 30d Mean APY | Yield mix |
|---|---|---|---|
| pendle | 1.48% | 1.14% | 2.81% incentives |
| pendle | 8.10% | 7.11% | 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 USDAI yield today?
8.10% APY on pendle (Arbitrum), based on live DefiLlama data.
How many USDAI pools clear the TVL floor?
4 live pools clear this page's $100K TVL floor, $103.25M 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 USDAI pools have the most stable APY history?
Based on APY history only, USDAI's lower-variability candidates are pendle (Arbitrum), 8.10% APY, $50.29M TVL, https://www.defi.garden/?pool=2785c8d0-348b-4e8f-904e-4b02819993b9&src=seo_token; pendle (Arbitrum), 1.48% APY, $50.29M TVL, https://www.defi.garden/?pool=adc1a060-aa9b-416e-ad10-4b7d7100b42c&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 September 2, 2026
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