USDAI DeFi Yields
The highest honest USDAI yield right now is 5.33% on pendle-v2 (Arbitrum), among 6 pools above the $100K TVL floor. Rates are live from DefiLlama and exclude anomalous (>1000% APY) pools.
6 live pools above the $100K TVL floor · ranked by TVL
Pool data verified from DefiLlama at generation time: October 18, 2026. Rates change continuously.
USDAI's largest live pool is euler-v2 on Plasma at 0.04% ($315.6K TVL). 6 USDAI pools across 3 chains clear this page's $100K TVL floor, $3.34M in total.
Your idle USDAI could earn ~4.59% — park $5.2K and it could run a $20/mo Claude Pro subscription, forever.
See live USDAI pools →| Protocol | Chain | APY | TVL |
|---|---|---|---|
| euler-v2 → | Plasma | 0.04% | $315.6K |
| pendle-v2 → | Arbitrum | 4.59% | $137.7K |
| pendle-v2 → | Arbitrum | 5.33% | $137.7K |
Rate stability from APY history
Based on APY history only, USDAI's lower-variability candidates are pendle-v2 (Arbitrum), 5.33% APY, $137.7K TVL, https://www.defi.garden/?pool=285830a5-9885-4749-a450-2cd1e1eaf35f#src=seo_token; pendle-v2 (Arbitrum), 4.59% APY, $137.7K TVL, https://www.defi.garden/?pool=65b9a908-3906-4b33-b05a-287d4f6192da#src=seo_token; euler-v2 (Plasma), 0.04% APY, $315.6K TVL, https://www.defi.garden/?pool=14cb4057-df1a-49f0-9623-ac0604782032#src=seo_token. This comparison does not measure protocol, exploit, depeg, liquidity, governance, or principal-loss risk.
| Rank | Protocol | Chain | APY | TVL |
|---|---|---|---|---|
| 1 | pendle-v2 → | Arbitrum | 5.33% | $137.7K |
| 2 | pendle-v2 → | Arbitrum | 4.59% | $137.7K |
| 3 | euler-v2 → | Plasma | 0.04% | $315.6K |
How this rate has behaved
USDAI shows up in 3 pools here, with rates from 0.04% to 5.33% APY across 2 chains — the rate depends on which protocol and chain you pick, not just the token.
3 of these 3 pools have a trustworthy 30-day average on file, with a median of 7.26% — a useful check against today's number for whether the rate is steady or just having a good day.
1 of 3 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 |
|---|---|---|---|
| euler-v2 | 0.04% | 11.12% | Base rate |
| pendle-v2 | 4.59% | 3.62% | 60.81% incentives |
| pendle-v2 | 5.33% | 7.26% | 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?
5.33% APY on pendle-v2 (Arbitrum), based on live DefiLlama data.
How many USDAI pools clear the TVL floor?
6 live pools clear this page's $100K TVL floor, $3.34M 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 USDAI pools have the most stable APY history?
Based on APY history only, USDAI's lower-variability candidates are pendle-v2 (Arbitrum), 5.33% APY, $137.7K TVL, https://www.defi.garden/?pool=285830a5-9885-4749-a450-2cd1e1eaf35f#src=seo_token; pendle-v2 (Arbitrum), 4.59% APY, $137.7K TVL, https://www.defi.garden/?pool=65b9a908-3906-4b33-b05a-287d4f6192da#src=seo_token; euler-v2 (Plasma), 0.04% APY, $315.6K TVL, https://www.defi.garden/?pool=14cb4057-df1a-49f0-9623-ac0604782032#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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