USDY DeFi Yields
The highest honest USDY yield right now is 3.55% on ondo-yield-assets (Ethereum), among 15 pools above the $100K TVL floor. Rates are live from DefiLlama and exclude anomalous (>1000% APY) pools.
15 live pools above the $100K TVL floor · ranked by TVL
USDY's largest live pool is ondo-yield-assets on Ethereum at 3.55% ($1.15B TVL). 15 USDY pools across 8 chains clear this page's $100K TVL floor, $2.21B in total.
Your idle USDY could earn ~3.55% — park $6.8K and it could run a $20/mo Claude Pro subscription, forever.
See live USDY pools →| Protocol | Chain | APY | TVL |
|---|---|---|---|
| ondo-yield-assets → | Ethereum | 3.55% | $1.15B |
| ondo-yield-assets → | Stellar | 3.55% | $535.22M |
| ondo-yield-assets → | Sei | 3.55% | $258.59M |
| ondo-yield-assets → | Solana | 3.55% | $179.99M |
| ondo-yield-assets → | Mantle | 3.55% | $28.63M |
| ondo-yield-assets → | Sui | 3.55% | $15.18M |
| ondo-yield-assets → | Noble | 3.55% | $14.13M |
| ondo-yield-assets → | Osmosis | 3.55% | $6.38M |
Rate stability from APY history
Based on APY history only, USDY's lower-variability candidates are ondo-yield-assets (Ethereum), 3.55% APY, $1.15B TVL, https://www.defi.garden/?pool=ac61ee82-2fe4-4f9b-a9cd-7fb33f598859&src=seo_token; ondo-yield-assets (Mantle), 3.55% APY, $28.63M TVL, https://www.defi.garden/?pool=b5d7a190-38d2-4fdd-8c14-1fd00c11bce1&src=seo_token; ondo-yield-assets (Noble), 3.55% APY, $14.13M TVL, https://www.defi.garden/?pool=0d635c7d-0a5f-4d6d-9e3e-1245442b9727&src=seo_token; ondo-yield-assets (Osmosis), 3.55% APY, $6.38M TVL, https://www.defi.garden/?pool=509c3a20-3e95-42d5-8835-c4b74beb1baf&src=seo_token; ondo-yield-assets (Sei), 3.55% APY, $258.59M TVL, https://www.defi.garden/?pool=1f8a60c7-e307-42cd-844c-18dec84f5137&src=seo_token; ondo-yield-assets (Solana), 3.55% APY, $179.99M TVL, https://www.defi.garden/?pool=00b83068-9f87-4411-b5d7-5d2ff48c40c4&src=seo_token; ondo-yield-assets (Stellar), 3.55% APY, $535.22M TVL, https://www.defi.garden/?pool=a66e2d12-188b-407d-aaec-d95640e08ef7&src=seo_token; ondo-yield-assets (Sui), 3.55% APY, $15.18M TVL, https://www.defi.garden/?pool=3007b64e-331d-425d-a7ae-33b8691da1a9&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 → | Ethereum | 3.55% | $1.15B |
| 2 | ondo-yield-assets → | Mantle | 3.55% | $28.63M |
| 3 | ondo-yield-assets → | Noble | 3.55% | $14.13M |
| 4 | ondo-yield-assets → | Osmosis | 3.55% | $6.38M |
| 5 | ondo-yield-assets → | Sei | 3.55% | $258.59M |
| 6 | ondo-yield-assets → | Solana | 3.55% | $179.99M |
| 7 | ondo-yield-assets → | Stellar | 3.55% | $535.22M |
| 8 | ondo-yield-assets → | Sui | 3.55% | $15.18M |
How this rate has behaved
USDY shows up in 8 pools here, with rates from 3.55% to 3.55% APY across 8 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 3.55% — a useful check against today's number for whether the rate is steady or just having a good day.
All 8 pools pay a plain base rate right now — no incentive or reward APY mixed in.
| Protocol | APY | 30d Mean APY | Yield mix |
|---|---|---|---|
| ondo-yield-assets | 3.55% | 3.55% | Base rate |
| ondo-yield-assets | 3.55% | 3.55% | Base rate |
| ondo-yield-assets | 3.55% | 3.55% | Base rate |
| ondo-yield-assets | 3.55% | 3.55% | Base rate |
| ondo-yield-assets | 3.55% | 3.55% | Base rate |
| ondo-yield-assets | 3.55% | 3.55% | Base rate |
| ondo-yield-assets | 3.55% | 3.55% | Base rate |
| ondo-yield-assets | 3.55% | 3.55% | 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 USDY yield today?
3.55% APY on ondo-yield-assets (Ethereum), based on live DefiLlama data.
How many USDY pools clear the TVL floor?
15 live pools clear this page's $100K TVL floor, $2.21B 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 (Ethereum), 3.55% APY, $1.15B TVL, https://www.defi.garden/?pool=ac61ee82-2fe4-4f9b-a9cd-7fb33f598859&src=seo_token; ondo-yield-assets (Mantle), 3.55% APY, $28.63M TVL, https://www.defi.garden/?pool=b5d7a190-38d2-4fdd-8c14-1fd00c11bce1&src=seo_token; ondo-yield-assets (Noble), 3.55% APY, $14.13M TVL, https://www.defi.garden/?pool=0d635c7d-0a5f-4d6d-9e3e-1245442b9727&src=seo_token; ondo-yield-assets (Osmosis), 3.55% APY, $6.38M TVL, https://www.defi.garden/?pool=509c3a20-3e95-42d5-8835-c4b74beb1baf&src=seo_token; ondo-yield-assets (Sei), 3.55% APY, $258.59M TVL, https://www.defi.garden/?pool=1f8a60c7-e307-42cd-844c-18dec84f5137&src=seo_token; ondo-yield-assets (Solana), 3.55% APY, $179.99M TVL, https://www.defi.garden/?pool=00b83068-9f87-4411-b5d7-5d2ff48c40c4&src=seo_token; ondo-yield-assets (Stellar), 3.55% APY, $535.22M TVL, https://www.defi.garden/?pool=a66e2d12-188b-407d-aaec-d95640e08ef7&src=seo_token; ondo-yield-assets (Sui), 3.55% APY, $15.18M TVL, https://www.defi.garden/?pool=3007b64e-331d-425d-a7ae-33b8691da1a9&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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