Where your crypto earns the most, right now
Live interest rates from 497 DeFi protocols on 103 chains. Lending, staking and liquidity pools with TVL, 30‑day averages and risk flags. Updated 18 min ago
4.08%
Stablecoin rate
median, single asset, TVL ≥ $10M · best 16.27%
2.30%
ETH staking
Lido stETH, the reference rate
7.00%
BTC yield
best single-asset, TVL ≥ $10M
16,454
Pools tracked
$145.54B total liquidity
Safe list
Stablecoins
Single asset
Best APY
Best 30d avg
Ethereum
Solana
Base
BNB Chain
Tron
Arbitrum
| Pool | APY | 30d avg | TVL ▾ | 30d | Risk | Chain | |
|---|---|---|---|---|---|---|---|
| STETH Lido | 2.30% base 2.30% | 2.24% | $23.48B | Single Stable/Up | Ethereum | Deposit ↗ | |
| WBETH Binance staked ETH | 2.20% base 2.20% | 2.25% | $8.52B | Single Stable/Up | Ethereum | Deposit ↗ | |
| WEETH ether.fi Stake | 2.32% base 2.32% + reward <0.01% | 2.35% | $5.29B | Single Stable/Up | Ethereum | Deposit ↗ | |
| SUSDS Sky Lending | 3.60% base 3.60% | 3.55% | $4.62B | Stable Single Stable/Up | Ethereum | Deposit ↗ | |
| WEETH Aave V3 | 0.00% base 0.00% | 0.00% | $3.54B | Single Stable/Up | Ethereum | Deposit ↗ | |
| WSTETH SparkLend | 0.00% base 0.00% | 0.00% | $3.12B | Single | Ethereum | Deposit ↗ | |
| CBBTC Morpho Blue | 0.00% base 0.00% | 0.00% | $2.87B | Single | Base | Deposit ↗ | |
| WSTETH Aave V3 | 0.00% base 0.00% | 0.00% | $2.66B | Single Stable/Up | Ethereum | Deposit ↗ | |
| USDC Maple · Syrup USDC | 4.97% base 4.97% | 4.93% | $2.62B | Stable Single Down | Ethereum | Deposit ↗ | |
| USYC Circle USYC | 3.40% base 3.40% | 3.17% | $2.56B | — | Stable Single Stable/Up | BNB Chain | Deposit ↗ |
| WBTC Aave V3 | <0.01% base <0.01% | <0.01% | $2.55B | Single Stable/Up | Ethereum | Deposit ↗ | |
| CBBTC Aave V3 | <0.01% base <0.01% | <0.01% | $1.39B | Single Stable/Up | Ethereum | Deposit ↗ | |
| SUSDE Ethena USDe · 7 days unstaking | 5.02% base 5.02% | 4.61% | $1.31B | Stable Single Stable/Up | Ethereum | Deposit ↗ | |
| RETH Rocket Pool | 2.17% base 2.17% | 2.17% | $1.27B | Single Stable/Up | Ethereum | Deposit ↗ | |
| USDY Ondo Yield Assets · US Dollar Yield | 3.58% base 3.58% | 3.56% | $1.20B | Stable Single Down | Ethereum | Deposit ↗ | |
| ETH JustLend V1 | <0.01% base <0.01% | <0.01% | $1.16B | Single Stable/Up | Tron | Deposit ↗ | |
| RSETH Kelp | 2.36% base 2.36% | 2.35% | $1.04B | Single Stable/Up | Ethereum | Deposit ↗ | |
| BNSOL Binance Staked SOL | 4.55% base 4.55% | 4.65% | $1.03B | Single Stable/Up | Solana | Deposit ↗ | |
| JITOSOL Jito Liquid Staking | 4.85% base 4.85% | 4.92% | $1.02B | Single Down | Solana | Deposit ↗ | |
| BUIDL BlackRock BUIDL | 3.54% base 3.54% | 3.55% | $993.0M | Stable Single Stable/Up | Solana | Deposit ↗ | |
| KHYPE Kinetiq kHYPE | 1.90% base 1.90% | 1.96% | $992.3M | Single Stable/Up | Hyperliquid | Deposit ↗ | |
| BUIDL BlackRock BUIDL | 3.23% base 3.23% | 3.24% | $967.3M | Stable Single Stable/Up | Aptos | Deposit ↗ | |
| USDT Maple · Syrup USDT | 4.62% base 4.62% | 4.54% | $859.3M | Stable Single Down | Ethereum | Deposit ↗ | |
| STRX JustLend V1 | <0.01% base <0.01% | <0.01% | $800.7M | — | Single Stable/Up | Tron | Deposit ↗ |
| LSETH Liquid Collective | 2.33% base 2.33% | 2.33% | $777.2M | Single Stable/Up | Ethereum | Deposit ↗ | |
| SLISBNB Lista Liquid Staking | 1.01% base 1.01% | 0.92% | $751.1M | Single Stable/Up | BNB Chain | Deposit ↗ | |
| CTDELTAWEETH Concrete · Concrete Delta WeETH | 0.00% base 0.00% | 0.00% | $745.5M | — | Single | Ethereum | Deposit ↗ |
| WETH Sky Lending · ETH-C | 0.00% | 0.00% | $745.5M | Single | Ethereum | Deposit ↗ | |
| TRX JustLend V1 | 0.32% base 0.32% | 0.32% | $695.2M | Single Stable/Up | Tron | Deposit ↗ | |
| WETH Aave V3 | 1.47% base 1.47% | 1.46% | $693.9M | Single Stable/Up | Ethereum | Deposit ↗ | |
| CBBTC Morpho Blue | 0.00% base 0.00% | 0.00% | $678.6M | Single | Ethereum | Deposit ↗ | |
| USDS Centrifuge Protocol · Janus Henderson Treasury Fund | 2.37% base 2.37% | 3.37% | $674.8M | Stable Single Stable/Up | Ethereum | Deposit ↗ | |
| LBTC Lombard LBTC | 0.20% base 0.20% | 0.22% | $674.4M | Single Stable/Up | Ethereum | Deposit ↗ | |
| WETH Sky Lending · ETH-A | 0.00% | 0.00% | $651.6M | Single | Ethereum | Deposit ↗ | |
| BUIDL BlackRock BUIDL · Institutional | 3.57% base 3.57% | 3.59% | $599.4M | Stable Single Down | Ethereum | Deposit ↗ | |
| METH mETH Protocol | 1.89% base 1.89% | 1.93% | $590.3M | Single Stable/Up | Ethereum | Deposit ↗ | |
| USDS SparkLend · SPK Farming Pool | 3.62% + reward 3.62% | 3.79% | $577.4M | Stable Single Reward-heavy Stable/Up | Ethereum | Deposit ↗ | |
| USDE Aave V3 | 4.75% base 0.66% + reward 4.09% | 3.28% | $577.3M | Stable Single Reward-heavy Down | Ethereum | Deposit ↗ | |
| SKY Sky Lending · SKY Staking Engine | 4.21% + reward 4.21% | 5.81% | $575.2M | Single Reward-heavy Stable/Up | Ethereum | Deposit ↗ | |
| BUIDL BlackRock BUIDL | 3.54% base 3.54% | 3.55% | $564.3M | Stable Single Stable/Up | Avalanche | Deposit ↗ | |
| USDY Ondo Yield Assets · US Dollar Yield | 3.58% base 3.58% | 3.56% | $535.9M | Stable Single Down | Stellar | Deposit ↗ | |
| USTB Invesco USTB | 3.78% base 3.78% | 3.49% | $520.9M | Stable Single Stable/Up | Ethereum | Deposit ↗ | |
| JUPSOL Jupiter Staked SOL | 5.35% base 5.35% | 5.45% | $514.7M | Single Stable/Up | Solana | Deposit ↗ | |
| WBETH Binance staked ETH | 2.20% base 2.20% | 2.25% | $512.0M | Single Stable/Up | BNB Chain | Deposit ↗ | |
| BUSD0 Usual USD0 | 3.78% + reward 3.78% | 3.39% | $507.5M | Stable Single Reward-heavy Stable/Up | Ethereum | Deposit ↗ | |
| BTC JustLend V1 | <0.01% base <0.01% | <0.01% | $503.7M | Single Stable/Up | Tron | Deposit ↗ | |
| SUSDAI USD AI · 30d unlock | 6.99% base 6.99% | 7.31% | $493.0M | Stable Single Down | Arbitrum | Deposit ↗ | |
| USDC Jupiter Lend · Earn | 3.93% base 3.55% + reward 0.38% | 4.90% | $479.4M | Stable Single Stable/Up | Solana | Deposit ↗ | |
| CBETH Coinbase Wrapped Staked ETH | 2.29% base 2.29% | 2.38% | $462.5M | Single Stable/Up | Ethereum | Deposit ↗ | |
| STEAKUSDG Morpho Blue | 6.98% base 3.67% + reward 3.31% | 7.00% | $460.0M | — | Stable Single Down | Robinhood Chain | Deposit ↗ |
Tokens best single-asset APY, liquid pools only
STETH2.24% · 25 pools
WEETH2.32% · 92 pools
WBETH2.20% · 8 pools
USDC11.65% · 3,247 pools
WSTETH0.04% · 222 pools
CBBTC7.00% · 269 pools
WETH5.07% · 4,216 pools
SUSDS3.55% · 36 pools
WBTC0.09% · 514 pools
BUIDL3.57% · 10 pools
USDT9.00% · 1,220 pools
ETH4.60% · 789 pools
USDS5.67% · 42 pools
SUSDE8.12% · 74 pools
USDY3.56% · 14 pools
USDE5.45% · 70 pools
KHYPE2.53% · 40 pools
RETH2.17% · 47 pools
JITOSOL4.85% · 50 pools
LBTC1.13% · 41 pools
PRIME5.88% · 18 pools
RSETH2.35% · 8 pools
BNSOL4.55% · 3 pools
SLISBNB0.92% · 8 pools
BTC3.06% · 38 pools
LSETH2.33% · 14 pools
SUSDAI10.77% · 23 pools
TRX11.20% · 14 pools
STEAKUSDC4.28% · 8 pools
OSETH2.16% · 6 pools
JUPSOL5.35% · 17 pools
GTUSDCP4.28% · 6 pools
CBETH10.00% · 48 pools
BTCB0.18% · 43 pools
USDG7.21% · 91 pools
METH1.89% · 6 pools
SKY4.21% · 11 pools
USTB3.49% · 4 pools
KBTC0.03% · 11 pools
CRVUSD6.93% · 181 pools
How to read this table
APY is the yearly return with compounding, as reported by each protocol for the last day. The small line under it splits it into base (interest paid by borrowers or trading fees) and reward (extra tokens paid by the protocol, which can end any time). 30d avg smooths out spikes. TVL is the money currently in the pool: bigger pools move less when you deposit and are harder to manipulate.
The default “safe list” hides pools with less than $1M of liquidity, pools flagged as outliers, and rates above 300%. Those are almost always noise. Risk chips mark stablecoin pools, single-asset pools (no impermanent loss), pairs with impermanent-loss exposure, and reward-heavy rates. Nothing here is advice; read the methodology before you deposit.
Questions people ask
What is DeFiEarns?
A reference of live interest rates in decentralised finance. We track 16,454 pools from 497 protocols on 103 chains and show, for every token, where it earns the most and at what risk.
What is the difference between APR and APY?
APR is the simple yearly rate. APY assumes rewards are reinvested (compounded) and is therefore slightly higher. We show APY as reported by each protocol; the “base” part comes from interest or trading fees, the “reward” part from token emissions.
Why are some pools hidden by default?
The default view hides pools under $1M of liquidity, pools flagged as outliers by the data source, and APYs above 300%. Those numbers are usually noise: tiny pools, one-day spikes or unsustainable emissions. Tick “Show all pools” to see everything.
How often is the data updated?
Every hour. Each page shows when the last update ran. Historical charts are refreshed daily.
Where does the data come from?
On-chain data aggregated by the open DefiLlama yields API, plus protocol metadata. CeFi rates on the CeFi page are checked by hand. Details in the methodology.