USDE DeFi Yields
The highest honest USDE yield right now is 5.75% on aave-v3 (Monad), among 39 pools above the $100K TVL floor. Rates are live from DefiLlama and exclude anomalous (>1000% APY) pools.
39 live pools above the $100K TVL floor · ranked by TVL
USDE's largest live pool is morpho-blue on Base at 4.75% ($345.06M TVL). 39 USDE pools across 6 chains clear this page's $100K TVL floor, $1.66B in total.
Your idle USDE could earn ~4.64% — park $5.2K and it could run a $20/mo Claude Pro subscription, forever.
See live USDE pools →| Protocol | Chain | APY | TVL |
|---|---|---|---|
| morpho-blue → | Base | 4.75% | $345.06M |
| morpho-blue → | Robinhood Chain | 4.75% | $321.07M |
| aave-v3 → | Ethereum | 3.44% | $297.9M |
| aave-v3 → | Plasma | 3.92% | $226.47M |
| aave-v3 → | Monad | 5.75% | $95.15M |
| curve-dex → | Ethereum | 3.37% | $34.03M |
| convex-finance → | Ethereum | 5.10% | $33.92M |
| aave-v3 → | Mantle | 4.53% | $10.6M |
Rate stability from APY history
Based on APY history only, USDE's lower-variability candidates are morpho-blue (Robinhood Chain), 4.75% APY, $321.07M TVL, https://www.defi.garden/?pool=d3ed814d-9763-5436-8b25-66bdbabd36f8&src=seo_token; aave-v3 (Plasma), 3.92% APY, $226.47M TVL, https://www.defi.garden/?pool=42eaf290-24c3-4ce0-82ab-c1276444871b&src=seo_token; aave-v3 (Mantle), 4.53% APY, $10.6M TVL, https://www.defi.garden/?pool=76b70b33-d8a4-4e61-8092-9bd1f2be2fc9&src=seo_token; morpho-blue (Base), 4.75% APY, $345.06M TVL, https://www.defi.garden/?pool=2d3b68a8-33d3-47e0-a4c0-0bafef4b01d5&src=seo_token; aave-v3 (Monad), 5.75% APY, $95.15M TVL, https://www.defi.garden/?pool=34f65227-f3f9-5c3f-9182-f6eca85ae729&src=seo_token; aave-v3 (Ethereum), 3.44% APY, $297.9M TVL, https://www.defi.garden/?pool=21e1ac8a-b3aa-4576-9506-0b40137721a0&src=seo_token; convex-finance (Ethereum), 5.10% APY, $33.92M TVL, https://www.defi.garden/?pool=5fac4a47-5360-49b7-8b61-66f88a3d939f&src=seo_token; curve-dex (Ethereum), 3.37% APY, $34.03M 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% | $321.07M |
| 2 | aave-v3 → | Plasma | 3.92% | $226.47M |
| 3 | aave-v3 → | Mantle | 4.53% | $10.6M |
| 4 | morpho-blue → | Base | 4.75% | $345.06M |
| 5 | aave-v3 → | Monad | 5.75% | $95.15M |
| 6 | aave-v3 → | Ethereum | 3.44% | $297.9M |
| 7 | convex-finance → | Ethereum | 5.10% | $33.92M |
| 8 | curve-dex → | Ethereum | 3.37% | $34.03M |
How this rate has behaved
USDE shows up in 8 pools here, with rates from 3.37% to 5.75% 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 4.16% — a useful check against today's number for whether the rate is steady or just having a good day.
8 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 |
|---|---|---|---|
| morpho-blue | 4.75% | 4.50% | 100.00% incentives |
| morpho-blue | 4.75% | 4.50% | 100.00% incentives |
| aave-v3 | 3.44% | 2.86% | 47.42% incentives |
| aave-v3 | 3.92% | 3.08% | 68.19% incentives |
| aave-v3 | 5.75% | 5.18% | 88.48% incentives |
| curve-dex | 3.37% | 2.77% | 98.52% incentives |
| convex-finance | 5.10% | 4.58% | 99.02% incentives |
| aave-v3 | 4.53% | 3.82% | 90.36% 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 USDE yield today?
5.75% APY on aave-v3 (Monad), based on live DefiLlama data.
How many USDE pools clear the TVL floor?
39 live pools clear this page's $100K TVL floor, $1.66B 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, $321.07M TVL, https://www.defi.garden/?pool=d3ed814d-9763-5436-8b25-66bdbabd36f8&src=seo_token; aave-v3 (Plasma), 3.92% APY, $226.47M TVL, https://www.defi.garden/?pool=42eaf290-24c3-4ce0-82ab-c1276444871b&src=seo_token; aave-v3 (Mantle), 4.53% APY, $10.6M TVL, https://www.defi.garden/?pool=76b70b33-d8a4-4e61-8092-9bd1f2be2fc9&src=seo_token; morpho-blue (Base), 4.75% APY, $345.06M TVL, https://www.defi.garden/?pool=2d3b68a8-33d3-47e0-a4c0-0bafef4b01d5&src=seo_token; aave-v3 (Monad), 5.75% APY, $95.15M TVL, https://www.defi.garden/?pool=34f65227-f3f9-5c3f-9182-f6eca85ae729&src=seo_token; aave-v3 (Ethereum), 3.44% APY, $297.9M TVL, https://www.defi.garden/?pool=21e1ac8a-b3aa-4576-9506-0b40137721a0&src=seo_token; convex-finance (Ethereum), 5.10% APY, $33.92M TVL, https://www.defi.garden/?pool=5fac4a47-5360-49b7-8b61-66f88a3d939f&src=seo_token; curve-dex (Ethereum), 3.37% APY, $34.03M 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 September 2, 2026
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