USDY DeFi Yields
The highest honest USDY yield right now is 0.09% on cetus-clmm (Sui), among 12 pools above the $100K TVL floor. Rates are live from DefiLlama and exclude anomalous (>1000% APY) pools.
12 live pools above the $100K TVL floor · ranked by TVL
Pool data verified from DefiLlama at generation time: October 18, 2026. Rates change continuously.
USDY's largest live pool is ondo-yield-assets on Ethereum at 3.69% ($1.26B TVL). 12 USDY pools across 8 chains clear this page's $100K TVL floor, $2.26B in total.
Your idle USDY could earn ~3.69% — park $6.5K and it could run a $20/mo Claude Pro subscription, forever.
See live USDY pools →| Protocol | Chain | APY | TVL |
|---|---|---|---|
| ondo-yield-assets 🔒 → | Ethereum | 3.69% | $1.26B |
| ondo-yield-assets 🔒 → | Stellar | 3.69% | $537.65M |
| ondo-yield-assets 🔒 → | Sei | 3.69% | $259.68M |
| ondo-yield-assets 🔒 → | Solana | 3.69% | $179.95M |
| ondo-yield-assets 🔒 → | Sui | 3.69% | $14.37M |
| ondo-yield-assets 🔒 → | Arbitrum | 3.69% | $3.14M |
| orca-dex → | Solana | 0.25% | $2.92M |
| cetus-clmm → | Sui | 0.09% | $2.05M |
Rate stability from APY history
Based on APY history only, USDY's lower-variability candidates are ondo-yield-assets (Arbitrum), 3.69% APY, $3.14M TVL, https://www.defi.garden/?pool=1767cdec-8dad-4b8c-a61c-fa10ab4d3f92#src=seo_token; ondo-yield-assets (Ethereum), 3.69% APY, $1.26B TVL, https://www.defi.garden/pools/ondo-yield-assets-usdy-ethereum; ondo-yield-assets (Sei), 3.69% APY, $259.68M TVL, https://www.defi.garden/pools/ondo-yield-assets-usdy-sei; ondo-yield-assets (Solana), 3.69% APY, $179.95M TVL, https://www.defi.garden/pools/ondo-yield-assets-usdy-solana; ondo-yield-assets (Stellar), 3.69% APY, $537.65M TVL, https://www.defi.garden/pools/ondo-yield-assets-usdy-stellar; ondo-yield-assets (Sui), 3.69% APY, $14.37M TVL, https://www.defi.garden/?pool=3007b64e-331d-425d-a7ae-33b8691da1a9#src=seo_token; orca-dex (Solana), 0.25% APY, $2.92M TVL, https://www.defi.garden/?pool=22f79b01-3ba8-4a75-a12d-615151633875#src=seo_token; cetus-clmm (Sui), 0.09% APY, $2.05M TVL, https://www.defi.garden/?pool=3d5a0f12-4a68-4429-a109-df4a3fafddc5#src=seo_token. This comparison does not measure protocol, exploit, depeg, liquidity, governance, or principal-loss risk.
| Rank | Protocol | Chain | APY | TVL |
|---|---|---|---|---|
| 1 | ondo-yield-assets → | Arbitrum | 3.69% | $3.14M |
| 2 | ondo-yield-assets → | Ethereum | 3.69% | $1.26B |
| 3 | ondo-yield-assets → | Sei | 3.69% | $259.68M |
| 4 | ondo-yield-assets → | Solana | 3.69% | $179.95M |
| 5 | ondo-yield-assets → | Stellar | 3.69% | $537.65M |
| 6 | ondo-yield-assets → | Sui | 3.69% | $14.37M |
| 7 | orca-dex → | Solana | 0.25% | $2.92M |
| 8 | cetus-clmm → | Sui | 0.09% | $2.05M |
How this rate has behaved
USDY shows up in 8 pools here, with rates from 0.09% to 3.69% 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 3.62% — a useful check against today's number for whether the rate is steady or just having a good day.
1 of 8 pools blends 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 |
|---|---|---|---|
| ondo-yield-assets | 3.69% | 3.62% | Base rate |
| ondo-yield-assets | 3.69% | 3.62% | Base rate |
| ondo-yield-assets | 3.69% | 3.62% | Base rate |
| ondo-yield-assets | 3.69% | 3.62% | Base rate |
| ondo-yield-assets | 3.69% | 3.62% | Base rate |
| ondo-yield-assets | 3.69% | 3.62% | Base rate |
| orca-dex | 0.25% | 2.15% | Base rate |
| cetus-clmm | 0.09% | 0.12% | 46.34% 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 USDY yield today?
0.09% APY on cetus-clmm (Sui), based on live DefiLlama data.
How many USDY pools clear the TVL floor?
12 live pools clear this page's $100K TVL floor, $2.26B 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 USDY pools have the most stable APY history?
Based on APY history only, USDY's lower-variability candidates are ondo-yield-assets (Arbitrum), 3.69% APY, $3.14M TVL, https://www.defi.garden/?pool=1767cdec-8dad-4b8c-a61c-fa10ab4d3f92#src=seo_token; ondo-yield-assets (Ethereum), 3.69% APY, $1.26B TVL, https://www.defi.garden/pools/ondo-yield-assets-usdy-ethereum; ondo-yield-assets (Sei), 3.69% APY, $259.68M TVL, https://www.defi.garden/pools/ondo-yield-assets-usdy-sei; ondo-yield-assets (Solana), 3.69% APY, $179.95M TVL, https://www.defi.garden/pools/ondo-yield-assets-usdy-solana; ondo-yield-assets (Stellar), 3.69% APY, $537.65M TVL, https://www.defi.garden/pools/ondo-yield-assets-usdy-stellar; ondo-yield-assets (Sui), 3.69% APY, $14.37M TVL, https://www.defi.garden/?pool=3007b64e-331d-425d-a7ae-33b8691da1a9#src=seo_token; orca-dex (Solana), 0.25% APY, $2.92M TVL, https://www.defi.garden/?pool=22f79b01-3ba8-4a75-a12d-615151633875#src=seo_token; cetus-clmm (Sui), 0.09% APY, $2.05M TVL, https://www.defi.garden/?pool=3d5a0f12-4a68-4429-a109-df4a3fafddc5#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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