XUSD DeFi Yields
The highest honest XUSD yield right now is 0.94% on overnight-finance (Arbitrum), among 4 pools above the $100K TVL floor. Rates are live from DefiLlama and exclude anomalous (>1000% APY) pools.
4 live pools above the $100K TVL floor · ranked by TVL
XUSD's largest live pool is sovryn-dex on Rootstock at 0.32% ($1.05M TVL). 4 XUSD pools across 3 chains clear this page's $100K TVL floor, $1.89M in total.
Your idle XUSD could earn ~0.94% — park $25.5K and it could run a $20/mo Claude Pro subscription, forever.
See live XUSD pools →| Protocol | Chain | APY | TVL |
|---|---|---|---|
| sovryn-dex → | Rootstock | 0.32% | $1.05M |
| uniswap-v3 → | Ethereum | 9.30% | $245K |
| overnight-finance → | Arbitrum | 0.94% | $118.2K |
Rate stability from APY history
Based on APY history only, XUSD's lower-variability candidates are overnight-finance (Arbitrum), 0.94% APY, $118.2K TVL, https://www.defi.garden/?pool=95395442-9b4a-47a9-ad4f-14cbb7a1efd3&src=seo_token; sovryn-dex (Rootstock), 0.32% APY, $1.05M TVL, https://www.defi.garden/?pool=a172fd9e-eae8-4915-83b9-3fa8a595bd03&src=seo_token; uniswap-v3 (Ethereum), 9.30% APY, $245K TVL, https://www.defi.garden/?pool=2bc274d9-a927-41d2-84ec-0fc7d994589f&src=seo_token. This comparison does not measure protocol, exploit, depeg, liquidity, governance, or principal-loss risk.
| Rank | Protocol | Chain | APY | TVL |
|---|---|---|---|---|
| 1 | overnight-finance → | Arbitrum | 0.94% | $118.2K |
| 2 | sovryn-dex → | Rootstock | 0.32% | $1.05M |
| 3 | uniswap-v3 → | Ethereum | 9.30% | $245K |
How this rate has behaved
XUSD shows up in 3 pools here, with rates from 0.32% to 9.30% APY across 3 chains — the rate depends on which protocol and chain you pick, not just the token.
3 of these 3 pools have a trustworthy 30-day average on file, with a median of 0.89% — a useful check against today's number for whether the rate is steady or just having a good day.
1 of 3 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 3 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 |
|---|---|---|---|
| sovryn-dex | 0.32% | 0.66% | 100.00% incentives |
| uniswap-v3 | 9.30% | 4.48% | Base rate |
| overnight-finance | 0.94% | 0.89% | 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 XUSD yield today?
0.94% APY on overnight-finance (Arbitrum), based on live DefiLlama data.
How many XUSD pools clear the TVL floor?
4 live pools clear this page's $100K TVL floor, $1.89M 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 XUSD pools have the most stable APY history?
Based on APY history only, XUSD's lower-variability candidates are overnight-finance (Arbitrum), 0.94% APY, $118.2K TVL, https://www.defi.garden/?pool=95395442-9b4a-47a9-ad4f-14cbb7a1efd3&src=seo_token; sovryn-dex (Rootstock), 0.32% APY, $1.05M TVL, https://www.defi.garden/?pool=a172fd9e-eae8-4915-83b9-3fa8a595bd03&src=seo_token; uniswap-v3 (Ethereum), 9.30% APY, $245K TVL, https://www.defi.garden/?pool=2bc274d9-a927-41d2-84ec-0fc7d994589f&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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