USDAT DeFi Yields
The highest honest USDAT yield right now is 6.84% on uniswap-v4 (Ethereum), among 23 pools above the $100K TVL floor. Rates are live from DefiLlama and exclude anomalous (>1000% APY) pools.
23 live pools above the $100K TVL floor · ranked by TVL
USDAT's largest live pool is curve-dex on Ethereum at 0.25% ($9.16M TVL). 23 USDAT pools across 2 chains clear this page's $100K TVL floor, $52.29M in total.
Your idle USDAT could earn ~3.79% — park $6.3K and it could run a $20/mo Claude Pro subscription, forever.
See live USDAT pools →| Protocol | Chain | APY | TVL |
|---|---|---|---|
| curve-dex → | Ethereum | 0.25% | $9.16M |
| morpho-blue → | Monad | 2.00% | $6.98M |
| pendle → | Ethereum | 6.13% | $5.77M |
| pendle → | Ethereum | 3.60% | $5.77M |
| pendle → | Monad | 3.98% | $1.55M |
| pendle → | Monad | 6.29% | $1.55M |
| uniswap-v4 → | Ethereum | 6.84% | $299.9K |
| uniswap-v4 → | Ethereum | 1.95% | $280K |
Rate stability from APY history
Based on APY history only, USDAT's lower-variability candidates are curve-dex (Ethereum), 0.25% APY, $9.16M TVL, https://www.defi.garden/?pool=bf004519-b1f8-4b45-a5ba-334473e701e2&src=seo_token; morpho-blue (Monad), 2.00% APY, $6.98M TVL, https://www.defi.garden/?pool=d5777238-081c-57b0-baa3-4658c623e9b3&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 | 0.25% | $9.16M |
| 2 | morpho-blue → | Monad | 2.00% | $6.98M |
How this rate has behaved
USDAT shows up in 8 pools here, with rates from 0.25% to 6.84% APY across 2 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 5.80% — a useful check against today's number for whether the rate is steady or just having a good day.
3 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 |
|---|---|---|---|
| curve-dex | 0.25% | 0.74% | Base rate |
| morpho-blue | 2.00% | 1.46% | 100.00% incentives |
| pendle | 6.13% | 6.52% | Base rate |
| pendle | 3.60% | 5.07% | 24.58% incentives |
| pendle | 3.98% | 7.97% | 68.88% incentives |
| pendle | 6.29% | 6.72% | Base rate |
| uniswap-v4 | 6.84% | 6.84% | Base rate |
| uniswap-v4 | 1.95% | 2.02% | 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 USDAT yield today?
6.84% APY on uniswap-v4 (Ethereum), based on live DefiLlama data.
How many USDAT pools clear the TVL floor?
23 live pools clear this page's $100K TVL floor, $52.29M 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 USDAT pools have the most stable APY history?
Based on APY history only, USDAT's lower-variability candidates are curve-dex (Ethereum), 0.25% APY, $9.16M TVL, https://www.defi.garden/?pool=bf004519-b1f8-4b45-a5ba-334473e701e2&src=seo_token; morpho-blue (Monad), 2.00% APY, $6.98M TVL, https://www.defi.garden/?pool=d5777238-081c-57b0-baa3-4658c623e9b3&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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