USDM DeFi Yields
The highest honest USDM yield right now is 26.05% on mento-v3 (Monad), among 11 pools above the $100K TVL floor. Rates are live from DefiLlama and exclude anomalous (>1000% APY) pools.
11 live pools above the $100K TVL floor · ranked by TVL
Pool data verified from DefiLlama at generation time: October 18, 2026. Rates change continuously.
USDM's largest live pool is mento-v3 on Monad at 14.22% ($2.21M TVL). 11 USDM pools across 6 chains clear this page's $100K TVL floor, $29.33M in total.
Your idle USDM could earn ~16.24% — park $1.5K and it could run a $20/mo Claude Pro subscription, forever.
See live USDM pools →| Protocol | Chain | APY | TVL |
|---|---|---|---|
| mento-v3 → | Monad | 14.22% | $2.21M |
| minswap-dex → | Cardano | 19.39% | $903.8K |
| mento-v3 → | Monad | 23.57% | $647.4K |
| mento-v3 → | Monad | 26.05% | $588.3K |
| aave-v3 → | MegaETH | 5.85% | $482.3K |
| liqwid → | Cardano | 16.50% | $437.5K |
| mento-v3 → | Monad | 15.98% | $276.8K |
| hybra-v4 → | Hyperliquid L1 | 5.32% | $119.1K |
Rate stability from APY history
Based on APY history only, USDM's lower-variability candidates are aave-v3 (MegaETH), 5.85% APY, $482.3K TVL, https://www.defi.garden/?pool=5c994437-94bf-4c96-a4c1-5b8ae446dfd0#src=seo_token; hybra-v4 (Hyperliquid L1), 5.32% APY, $119.1K TVL, https://www.defi.garden/?pool=81f60e89-9445-5542-9458-e8fe92df0c1f#src=seo_token; mento-v3 (Monad), 23.57% APY, $647.4K TVL, https://www.defi.garden/?pool=51f3ee86-2dd5-41e7-951c-c8c27165abbf#src=seo_token; mento-v3 (Monad), 26.05% APY, $588.3K TVL, https://www.defi.garden/?pool=85dded37-c55d-4b2c-aca1-a136854bec51#src=seo_token; mento-v3 (Monad), 14.22% APY, $2.21M TVL, https://www.defi.garden/?pool=ce74b9e0-376d-45ea-b1a4-362de60c12ce#src=seo_token; mento-v3 (Monad), 15.98% APY, $276.8K TVL, https://www.defi.garden/?pool=b4fe9dc1-d635-4d15-8a4f-0a38e880e572#src=seo_token; liqwid (Cardano), 16.50% APY, $437.5K TVL, https://www.defi.garden/?pool=ce3021c9-af52-46b0-a61a-3e92acdfd79b#src=seo_token; minswap-dex (Cardano), 19.39% APY, $903.8K TVL, https://www.defi.garden/?pool=d66c9dc4-6ce4-41ba-b446-edb89e19cce6#src=seo_token. This comparison does not measure protocol, exploit, depeg, liquidity, governance, or principal-loss risk.
| Rank | Protocol | Chain | APY | TVL |
|---|---|---|---|---|
| 1 | aave-v3 → | MegaETH | 5.85% | $482.3K |
| 2 | hybra-v4 → | Hyperliquid L1 | 5.32% | $119.1K |
| 3 | mento-v3 → | Monad | 23.57% | $647.4K |
| 4 | mento-v3 → | Monad | 26.05% | $588.3K |
| 5 | mento-v3 → | Monad | 14.22% | $2.21M |
| 6 | mento-v3 → | Monad | 15.98% | $276.8K |
| 7 | liqwid → | Cardano | 16.50% | $437.5K |
| 8 | minswap-dex → | Cardano | 19.39% | $903.8K |
How this rate has behaved
USDM shows up in 8 pools here, with rates from 5.32% to 26.05% APY across 4 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 15.49% — a useful check against today's number for whether the rate is steady or just having a good day.
6 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.
2 of 8 pools carry 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 |
|---|---|---|---|
| mento-v3 | 14.22% | 13.65% | 96.51% incentives |
| minswap-dex | 19.39% | 34.65% | 27.90% incentives |
| mento-v3 | 23.57% | 24.02% | 99.57% incentives |
| mento-v3 | 26.05% | 24.42% | 98.98% incentives |
| aave-v3 | 5.85% | 5.08% | Base rate |
| liqwid | 16.50% | 16.41% | Base rate |
| mento-v3 | 15.98% | 14.56% | 85.88% incentives |
| hybra-v4 | 5.32% | 5.15% | 100.00% 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 USDM yield today?
26.05% APY on mento-v3 (Monad), based on live DefiLlama data.
How many USDM pools clear the TVL floor?
11 live pools clear this page's $100K TVL floor, $29.33M 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 USDM pools have the most stable APY history?
Based on APY history only, USDM's lower-variability candidates are aave-v3 (MegaETH), 5.85% APY, $482.3K TVL, https://www.defi.garden/?pool=5c994437-94bf-4c96-a4c1-5b8ae446dfd0#src=seo_token; hybra-v4 (Hyperliquid L1), 5.32% APY, $119.1K TVL, https://www.defi.garden/?pool=81f60e89-9445-5542-9458-e8fe92df0c1f#src=seo_token; mento-v3 (Monad), 23.57% APY, $647.4K TVL, https://www.defi.garden/?pool=51f3ee86-2dd5-41e7-951c-c8c27165abbf#src=seo_token; mento-v3 (Monad), 26.05% APY, $588.3K TVL, https://www.defi.garden/?pool=85dded37-c55d-4b2c-aca1-a136854bec51#src=seo_token; mento-v3 (Monad), 14.22% APY, $2.21M TVL, https://www.defi.garden/?pool=ce74b9e0-376d-45ea-b1a4-362de60c12ce#src=seo_token; mento-v3 (Monad), 15.98% APY, $276.8K TVL, https://www.defi.garden/?pool=b4fe9dc1-d635-4d15-8a4f-0a38e880e572#src=seo_token; liqwid (Cardano), 16.50% APY, $437.5K TVL, https://www.defi.garden/?pool=ce3021c9-af52-46b0-a61a-3e92acdfd79b#src=seo_token; minswap-dex (Cardano), 19.39% APY, $903.8K TVL, https://www.defi.garden/?pool=d66c9dc4-6ce4-41ba-b446-edb89e19cce6#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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