USDE DeFi Yields
The highest honest USDE yield right now is 4.75% on morpho-blue (Base), among 40 pools above the $100K TVL floor. Rates are live from DefiLlama and exclude anomalous (>1000% APY) pools.
40 live pools above the $100K TVL floor · ranked by TVL
Pool data verified from DefiLlama at generation time: October 18, 2026. Rates change continuously.
USDE's largest live pool is aave-v3 on Plasma at 0.26% ($569.99M TVL). 40 USDE pools across 9 chains clear this page's $100K TVL floor, $2.02B in total.
Your idle USDE could earn ~3.56% — park $6.8K and it could run a $20/mo Claude Pro subscription, forever.
See live USDE pools →| Protocol | Chain | APY | TVL |
|---|---|---|---|
| aave-v3 → | Plasma | 0.26% | $569.99M |
| morpho-blue → | Base | 4.75% | $387.34M |
| morpho-blue → | Robinhood Chain | 4.75% | $346.06M |
| aave-v3 → | Ethereum | 0.24% | $245.96M |
| aave-v3 → | Monad | 1.01% | $121.48M |
| curve-dex → | Ethereum | 2.91% | $34.04M |
| convex-finance → | Ethereum | 4.20% | $33.93M |
| jupiter-lend → | Solana | 4.75% | $16.31M |
Rate stability from APY history
Based on APY history only, USDE's lower-variability candidates are morpho-blue (Robinhood Chain), 4.75% APY, $346.06M TVL, https://www.defi.garden/pools/morpho-blue-usde-robinhood-chain; aave-v3 (Plasma), 0.26% APY, $569.99M TVL, https://www.defi.garden/?pool=42eaf290-24c3-4ce0-82ab-c1276444871b#src=seo_token; morpho-blue (Base), 4.75% APY, $387.34M TVL, https://www.defi.garden/pools/morpho-blue-usde-base; aave-v3 (Monad), 1.01% APY, $121.48M TVL, https://www.defi.garden/pools/aave-v3-usde-monad; aave-v3 (Ethereum), 0.24% APY, $245.96M TVL, https://www.defi.garden/?pool=21e1ac8a-b3aa-4576-9506-0b40137721a0#src=seo_token; convex-finance (Ethereum), 4.20% APY, $33.93M TVL, https://www.defi.garden/?pool=5fac4a47-5360-49b7-8b61-66f88a3d939f#src=seo_token; curve-dex (Ethereum), 2.91% APY, $34.04M TVL, https://www.defi.garden/?pool=12ca9565-0369-404e-b209-631305e4012a#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 → | Robinhood Chain | 4.75% | $346.06M |
| 2 | aave-v3 → | Plasma | 0.26% | $569.99M |
| 3 | morpho-blue → | Base | 4.75% | $387.34M |
| 4 | aave-v3 → | Monad | 1.01% | $121.48M |
| 5 | aave-v3 → | Ethereum | 0.24% | $245.96M |
| 6 | convex-finance → | Ethereum | 4.20% | $33.93M |
| 7 | curve-dex → | Ethereum | 2.91% | $34.04M |
How this rate has behaved
USDE shows up in 8 pools here, with rates from 0.24% to 4.75% APY across 6 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 3.39% — 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.
| Protocol | APY | 30d Mean APY | Yield mix |
|---|---|---|---|
| aave-v3 | 0.26% | 0.31% | Base rate |
| morpho-blue | 4.75% | 4.80% | 100.00% incentives |
| morpho-blue | 4.75% | 4.80% | 100.00% incentives |
| aave-v3 | 0.24% | 0.34% | Base rate |
| aave-v3 | 1.01% | 1.08% | 99.07% incentives |
| curve-dex | 2.91% | 2.71% | 100.00% incentives |
| convex-finance | 4.20% | 4.08% | 100.00% incentives |
| jupiter-lend | 4.75% | 4.75% | 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 USDE yield today?
4.75% APY on morpho-blue (Base), based on live DefiLlama data.
How many USDE pools clear the TVL floor?
40 live pools clear this page's $100K TVL floor, $2.02B 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 USDE pools have the most stable APY history?
Based on APY history only, USDE's lower-variability candidates are morpho-blue (Robinhood Chain), 4.75% APY, $346.06M TVL, https://www.defi.garden/pools/morpho-blue-usde-robinhood-chain; aave-v3 (Plasma), 0.26% APY, $569.99M TVL, https://www.defi.garden/?pool=42eaf290-24c3-4ce0-82ab-c1276444871b#src=seo_token; morpho-blue (Base), 4.75% APY, $387.34M TVL, https://www.defi.garden/pools/morpho-blue-usde-base; aave-v3 (Monad), 1.01% APY, $121.48M TVL, https://www.defi.garden/pools/aave-v3-usde-monad; aave-v3 (Ethereum), 0.24% APY, $245.96M TVL, https://www.defi.garden/?pool=21e1ac8a-b3aa-4576-9506-0b40137721a0#src=seo_token; convex-finance (Ethereum), 4.20% APY, $33.93M TVL, https://www.defi.garden/?pool=5fac4a47-5360-49b7-8b61-66f88a3d939f#src=seo_token; curve-dex (Ethereum), 2.91% APY, $34.04M TVL, https://www.defi.garden/?pool=12ca9565-0369-404e-b209-631305e4012a#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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