USDS DeFi Yields
The highest honest USDS yield right now is 5.22% on sky-lending (Ethereum), among 29 pools above the $100K TVL floor. Rates are live from DefiLlama and exclude anomalous (>1000% APY) pools.
29 live pools above the $100K TVL floor · ranked by TVL
Pool data verified from DefiLlama at generation time: October 18, 2026. Rates change continuously.
USDS's largest live pool is sparklend on Ethereum at 3.96% ($555.6M TVL). 29 USDS pools across 4 chains clear this page's $100K TVL floor, $2.02B in total.
Your idle USDS could earn ~2.83% — park $8.5K and it could run a $20/mo Claude Pro subscription, forever.
See live USDS pools →| Protocol | Chain | APY | TVL |
|---|---|---|---|
| sparklend → | Ethereum | 3.96% | $555.6M |
| sparklend → | Ethereum | 2.70% | $400.87M |
| spark-savings → | Arbitrum | 3.80% | $363.98M |
| centrifuge-protocol 🔒 → | Ethereum | 2.97% | $326.6M |
| sky-lending → | Ethereum | 5.22% | $134.54M |
| uniswap-v4 → | Ethereum | 0.03% | $100.12M |
| uniswap-v4 → | Ethereum | 0.01% | $50.01M |
| uniswap-v4 → | Ethereum | 0.01% | $49.52M |
Rate stability from APY history
Based on APY history only, USDS's lower-variability candidates are uniswap-v4 (Ethereum), 0.03% APY, $100.12M TVL, https://www.defi.garden/?pool=0899ff3d-adc8-4dae-a516-a94998db3332#src=seo_token; spark-savings (Arbitrum), 3.80% APY, $363.98M TVL, https://www.defi.garden/pools/spark-savings-usds-arbitrum; uniswap-v4 (Ethereum), 0.01% APY, $50.01M TVL, https://www.defi.garden/?pool=3b22b8c3-1409-5f4b-affb-4a868ecf9a88#src=seo_token; sparklend (Ethereum), 3.96% APY, $555.6M TVL, https://www.defi.garden/pools/sparklend-usds-ethereum; centrifuge-protocol (Ethereum), 2.97% APY, $326.6M TVL, https://www.defi.garden/pools/centrifuge-protocol-usds-ethereum; sparklend (Ethereum), 2.70% APY, $400.87M TVL, https://www.defi.garden/pools/sparklend-usds-ethereum-0ed981; sky-lending (Ethereum), 5.22% APY, $134.54M TVL, https://www.defi.garden/pools/sky-lending-usds-ethereum; uniswap-v4 (Ethereum), 0.01% APY, $49.52M TVL, https://www.defi.garden/?pool=f71737e5-f02e-4964-b23e-19d1a6c7a6bf#src=seo_token. This comparison does not measure protocol, exploit, depeg, liquidity, governance, or principal-loss risk.
| Rank | Protocol | Chain | APY | TVL |
|---|---|---|---|---|
| 1 | uniswap-v4 → | Ethereum | 0.03% | $100.12M |
| 2 | spark-savings → | Arbitrum | 3.80% | $363.98M |
| 3 | uniswap-v4 → | Ethereum | 0.01% | $50.01M |
| 4 | sparklend → | Ethereum | 3.96% | $555.6M |
| 5 | centrifuge-protocol → | Ethereum | 2.97% | $326.6M |
| 6 | sparklend → | Ethereum | 2.70% | $400.87M |
| 7 | sky-lending → | Ethereum | 5.22% | $134.54M |
| 8 | uniswap-v4 → | Ethereum | 0.01% | $49.52M |
How this rate has behaved
USDS shows up in 8 pools here, with rates from 0.01% to 5.22% 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 3.12% — a useful check against today's number for whether the rate is steady or just having a good day.
2 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 |
|---|---|---|---|
| sparklend | 3.96% | 4.56% | 100.00% incentives |
| sparklend | 2.70% | 2.58% | Base rate |
| spark-savings | 3.80% | 3.67% | Base rate |
| centrifuge-protocol | 2.97% | 3.66% | Base rate |
| sky-lending | 5.22% | 5.53% | 100.00% incentives |
| uniswap-v4 | 0.03% | 0.09% | Base rate |
| uniswap-v4 | 0.01% | 0.05% | Base rate |
| uniswap-v4 | 0.01% | 0.35% | 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 USDS yield today?
5.22% APY on sky-lending (Ethereum), based on live DefiLlama data.
How many USDS pools clear the TVL floor?
29 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 USDS pools have the most stable APY history?
Based on APY history only, USDS's lower-variability candidates are uniswap-v4 (Ethereum), 0.03% APY, $100.12M TVL, https://www.defi.garden/?pool=0899ff3d-adc8-4dae-a516-a94998db3332#src=seo_token; spark-savings (Arbitrum), 3.80% APY, $363.98M TVL, https://www.defi.garden/pools/spark-savings-usds-arbitrum; uniswap-v4 (Ethereum), 0.01% APY, $50.01M TVL, https://www.defi.garden/?pool=3b22b8c3-1409-5f4b-affb-4a868ecf9a88#src=seo_token; sparklend (Ethereum), 3.96% APY, $555.6M TVL, https://www.defi.garden/pools/sparklend-usds-ethereum; centrifuge-protocol (Ethereum), 2.97% APY, $326.6M TVL, https://www.defi.garden/pools/centrifuge-protocol-usds-ethereum; sparklend (Ethereum), 2.70% APY, $400.87M TVL, https://www.defi.garden/pools/sparklend-usds-ethereum-0ed981; sky-lending (Ethereum), 5.22% APY, $134.54M TVL, https://www.defi.garden/pools/sky-lending-usds-ethereum; uniswap-v4 (Ethereum), 0.01% APY, $49.52M TVL, https://www.defi.garden/?pool=f71737e5-f02e-4964-b23e-19d1a6c7a6bf#src=seo_token. This comparison does not measure protocol, exploit, depeg, liquidity, governance, or principal-loss risk.
USDS Yield Card • Powered by Laso
Spend your USDS yield anywhere Visa is accepted worldwide. Your principal stays 100% self-custodial on Base.
Get USDS Card on Laso.finance →Sponsored partner referral • Zero issuance fee • Worldwide Visa Debit
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
DeFi Garden 🌱 — plan your DeFi savings by goal.