EARNAUSD interest rates: staking, lending and yield farming

Every liquid DeFi pool that includes EARNAUSD: 8 pools across 5 protocols and 1 chains. Live APY with base/reward split, 30-day average and risk flags. Updated 2 h ago

8.63%

Best single-asset APY

8.63%

Best APY incl. pairs

0.59%

Median APY

$56.1M

Liquidity in EARNAUSD pools

6 / 8

Single-asset / all pools

Best single-asset option right now: 8.63% at Pendle V2 on Monad ($2.2M TVL, 30d avg 9.34%).

All pools Single asset Best APY Upshift Morpho Blue Pendle V2 Curvance

Pool	APY	30d avg	TVL ▾	30d	Risk	Chain
EARNAUSD Upshift	5.65% base 5.32% + reward 0.33%	5.42%	$31.5M		Stable Single Stable/Up	Monad	Deposit ↗
EARNAUSD Morpho Blue	0.00% base 0.00%	1.96%	$8.8M	—	Stable Single	Monad	Deposit ↗
PT-EARNAUSD-8OCT2026 Morpho Blue	0.00% base 0.00%	0.00%	$8.2M	—	LP IL	Monad	Deposit ↗
EARNAUSD Pendle V2 · For LP \| Maturity 08OCT2026	8.29% base 7.20% + reward 1.09%	9.10%	$2.2M	—	Stable Single Stable/Up	Monad	Deposit ↗
EARNAUSD Pendle V2 · For buying PT-earnAUSD-08OCT2026	8.63% base 8.63%	9.34%	$2.2M	—	Stable Single Stable/Up	Monad	Deposit ↗
EARNAUSD Curvance · earnAUSD/AUSD	0.31% base 0.00% + reward 0.31%	0.72%	$1.7M	—	Stable Single Reward-heavy Stable/Up	Monad	Deposit ↗

By protocol

Upshiftbest 5.42% · 1 pools · $31.5M
Morpho Bluebest 0.00% · 2 pools · $16.9M
Pendle V2best 8.63% · 2 pools · $4.4M
Curvancebest 0.31% · 1 pools · $1.7M

By chain

Monadbest 8.63% · 6 pools · $54.5M

Borrow EARNAUSD 4 markets

Market	Chain	Borrow APY	Supply APY	Supplied	Borrowed	LTV
EARNAUSDMorpho Blue	Monad	6.98%	0.00%	$8.8M	$7.5M	92%
PT-EARNAUSD-8OCT2026Morpho Blue	Monad	23.55%	0.00%	$8.2M	$6.9M	92%
EARNAUSDCurvance	Monad	11.22%	0.31%	$1.7M	$1.2M	92%
PT-EARNAUSD-8OCT2026Curvance	Monad	8.96%	0.00%	$775K	$404K	92%

All EARNAUSD borrow markets →

Top single-asset EARNAUSD pools by APY TVL ≥ $1M

Pendle V2 Monad · For buying PT-earnAUSD-08OCT20268.63% · 30d 9.34% · $2.2M
Pendle V2 Monad · For LP | Maturity 08OCT20268.29% · 30d 9.10% · $2.2M
Upshift Monad5.65% · 30d 5.42% · $31.5M
Curvance Monad · earnAUSD/AUSD0.31% · 30d 0.72% · $1.7M
Morpho Blue Monad0.00% · 30d 1.96% · $8.8M

Paired with EARNAUSD

How to earn on EARNAUSD

Single-asset options (lending, staking, savings vaults) pay interest without exposing you to another token; your EARNAUSD balance grows and you can withdraw the same asset. Liquidity pairs earn trading fees plus rewards but hold EARNAUSD together with a second asset, so the value moves with both prices (impermanent loss). The “Single” chip marks the first kind.

Each row links to the protocol’s own deposit page. Check the chain first: the same protocol can pay different rates on Ethereum, Base or Arbitrum, and moving funds costs a bridge fee (see bridges). Rates refresh hourly; the 30-day average shows whether today’s number is typical.

Questions people ask

What is the best EARNAUSD APY right now?

The highest single-asset rate with at least $1M of liquidity is 8.63% at Pendle V2 on Monad ($2.2M TVL). Rates are refreshed hourly; the 30-day average for that pool is 9.34%.

Where can I earn interest on EARNAUSD?

5 protocols currently list EARNAUSD pools. The largest by liquidity: Upshift ($31.5M), Morpho Blue ($16.9M), Pendle V2 ($4.4M), Curvance ($1.7M). Each row in the table links to the protocol’s deposit page.

Can I borrow EARNAUSD?

4 lending markets let you borrow EARNAUSD against collateral. See EARNAUSD borrow rates for the cheapest one.

Is EARNAUSD yield safe?

It depends on the pool. Single-asset lending and staking avoid impermanent loss; liquidity pairs do not. The median EARNAUSD rate across liquid pools is 0.59%; anything far above it usually carries reward-token risk or a very small market. Our methodology explains every column and flag.