Ethereum (ETH) interest rates: staking, lending and yield farming
Every liquid DeFi pool that includes ETH: 789 pools across 65 protocols and 24 chains. Live APY with base/reward split, 30-day average and risk flags. Updated 47 min ago
4.60%
Best single-asset APY
29.97%
Best APY incl. pairs
1.16%
Median APY
$2.81B
Liquidity in ETH pools
66 / 789
Single-asset / all pools
Best single-asset option right now: 4.86% at Fluid Lite on Ethereum ($186.8M TVL, 30d avg 4.60%).
| Pool | APY | 30d avg | TVL ▾ | 30d | Risk | Chain | |
|---|---|---|---|---|---|---|---|
| ETH JustLend V1 | <0.01% base <0.01% | <0.01% | $1.16B | Single Stable/Up | Tron | Deposit ↗ | |
| ETH Fluid Lite | 4.86% | 4.60% | $186.8M | Single Stable/Up | Ethereum | Deposit ↗ | |
| ETH Liquity V1 | 0.00% | 0.00% | $175.4M | Single | Ethereum | Deposit ↗ | |
| ETH Fluid Lending | 1.70% base 1.70% | 1.85% | $104.7M | Single Stable/Up | Ethereum | Deposit ↗ | |
| ETH StakeWise V3 · Genesis Vault | 2.40% base 2.40% | 2.33% | $101.9M | Single Stable/Up | Ethereum | Deposit ↗ | |
| ETH-STETH Curve DEX | 1.35% base 1.35% | 1.26% | $98.1M | LP Stable/Up | Ethereum | Deposit ↗ | |
| WSTETH-ETH Fluid DEX | 0.65% base 0.65% | 0.26% | $85.5M | LP Stable/Up | Ethereum | Deposit ↗ | |
| ETH Fluid Lending | 1.70% base 1.70% | 1.85% | $64.0M | Single Stable/Up | Ethereum | Deposit ↗ | |
| ETH Spark Savings | 1.45% base 1.45% | 1.65% | $56.9M | Single Stable/Up | Ethereum | Deposit ↗ | |
| ETH-USDC GMX V2 Perps | 4.48% base 4.48% | 10.84% | $54.0M | LP IL Stable/Up | Arbitrum | Deposit ↗ | |
| ETH-STETH Convex Finance | 1.35% base 1.35% | 1.25% | $53.0M | LP Stable/Up | Ethereum | Deposit ↗ | |
| ETH Compound V3 | 1.27% base 1.27% | 1.44% | $46.0M | Single Stable/Up | Ethereum | Deposit ↗ | |
| ETH-USDC Uniswap V4 · 0.30% | 32.25% base 32.25% | 14.43% | $42.0M | LP IL Down | Ethereum | Deposit ↗ | |
| ETH-USDT Uniswap V4 · 0.30% | 85.82% base 85.82% | 26.14% | $27.7M | LP IL Down | Ethereum | Deposit ↗ | |
| ETH Liquity V2 | 0.00% | 0.00% | $25.7M | Single | Ethereum | Deposit ↗ | |
| ETH-STETH Curve DEX | 1.79% base 1.59% + reward 0.20% | 1.56% | $23.3M | LP Stable/Up | Ethereum | Deposit ↗ | |
| ETH Venus Core Pool | 0.60% base 0.60% | 0.46% | $22.0M | Single Stable/Up | BNB Chain | Deposit ↗ | |
| ETH-STETH Convex Finance | 1.90% base 1.59% + reward 0.31% | 1.67% | $21.1M | LP Stable/Up | Ethereum | Deposit ↗ | |
| THUSD-USDC-ETH Concrete · thUSD Genesis Vault - USDC Ethereum | 0.00% base 0.00% | 0.00% | $20.5M | LP IL | Ethereum | Deposit ↗ | |
| ETH-LINK Uniswap V4 · 0.30% | 45.32% base 45.32% | 29.97% | $19.9M | LP IL Down | Ethereum | Deposit ↗ | |
| ETH-ETH GMX V2 Perps | 0.98% base 0.98% | 4.64% | $18.3M | LP Stable/Up | Arbitrum | Deposit ↗ | |
| ETH-WBTC Uniswap V4 · 0.30% | 11.60% base 11.60% | 6.95% | $15.7M | LP IL Down | Ethereum | Deposit ↗ | |
| ETH-OSETH Fluid DEX | 0.00% base 0.00% | 0.00% | $14.9M | LP | Ethereum | Deposit ↗ | |
| ETH Bancor V3 | 0.05% base 0.05% | 0.03% | $13.9M | Single Stable/Up | Ethereum | Deposit ↗ | |
| WEETH-ETH Fluid DEX | 0.07% base 0.07% | 0.24% | $13.6M | LP Stable/Up | Ethereum | Deposit ↗ | |
| ETH-AZTEC Uniswap V4 · 0.05% | 1.55% base 1.55% | 0.94% | $12.2M | LP IL Stable/Up | Ethereum | Deposit ↗ | |
| ETH Midas RWA · mRe7ETH | 1.30% base 1.30% | 1.94% | $11.7M | Single Stable/Up | Optimism | Deposit ↗ | |
| ETH-USDT Uniswap V4 · 0.05% | 19.92% base 19.92% | 3.75% | $11.6M | LP IL Down | Ethereum | Deposit ↗ | |
| ETH-USDC Uniswap V4 · 0.05% | 16.33% base 16.33% | 9.62% | $10.8M | LP IL Down | Ethereum | Deposit ↗ | |
| ETH Aave V3 | 0.53% base 0.53% | 0.54% | $10.4M | Single Stable/Up | BNB Chain | Deposit ↗ | |
| ETH-WBTC Uniswap V4 · 0.05% | 8.79% base 8.79% | 7.06% | $9.3M | LP IL Down | Ethereum | Deposit ↗ | |
| ETH-ZIK Uniswap V4 · 0.05% | <0.01% base <0.01% | <0.01% | $8.4M | — | LP IL Stable/Up | Ethereum | Deposit ↗ |
| ETH-USDC Uniswap V4 · 0.05% | 15.30% base 15.30% | 28.75% | $8.3M | — | LP IL Down | Arbitrum | Deposit ↗ |
| ETH Fluid Lending | 1.16% base 1.16% | 1.22% | $5.9M | — | Single Stable/Up | Arbitrum | Deposit ↗ |
| ETH-AAVE Uniswap V4 · 0.30% | 13.13% base 13.13% | 18.67% | $5.7M | — | LP IL Down | Ethereum | Deposit ↗ |
| ETH-WBNB Uniswap V3 · 0.05% | 11.44% base 11.44% | 11.97% | $5.6M | — | LP IL Down | BNB Chain | Deposit ↗ |
| YOG-ETH Morpho Blue | 2.63% base 2.45% + reward 0.18% | 1.89% | $5.6M | — | LP IL Down | Katana | Deposit ↗ |
| RSETH-ETH Fluid DEX | 3.06% base 3.06% | 0.41% | $5.2M | — | LP Stable/Up | Ethereum | Deposit ↗ |
| ETH-WLFI Uniswap V4 · 0.99% | 4.36% base 4.36% | 6.30% | $4.7M | — | LP IL Stable/Up | Ethereum | Deposit ↗ |
| ETH-UNI Uniswap V4 · 0.30% | 58.56% base 58.56% | 48.48% | $4.5M | — | LP IL Down | Ethereum | Deposit ↗ |
| ETH Harvest Finance · IPOR - Base ETH Lending Optimizer | 3.18% base 3.18% | 3.67% | $3.9M | — | Single Stable/Up | Base | Deposit ↗ |
| ETH Fluid Lending | 0.88% base 0.88% | 1.18% | $3.8M | — | Single Stable/Up | Base | Deposit ↗ |
| ETH-USDC Uniswap V4 · 0.30% | 21.27% base 21.27% | 18.25% | $3.4M | — | LP IL Stable/Up | Arbitrum | Deposit ↗ |
| ETH-STKGHO Uniswap V4 · 88.00% | 0.00% base 0.00% | 0.00% | $3.0M | — | LP IL | Ethereum | Deposit ↗ |
| FUSDT-BTC-ETH Curve DEX | 0.00% base 0.00% | 0.00% | $3.0M | — | LP IL | Fantom | Deposit ↗ |
| FLUID-ETH Fluid DEX | 0.00% base 0.00% | 0.00% | $3.0M | — | LP IL | Ethereum | Deposit ↗ |
| ETH Vesper · Aggressive | 24.98% base 24.98% | 28.68% | $2.8M | — | Single Down | Ethereum | Deposit ↗ |
| ETH-DPHN Uniswap V4 · 1.00% | 0.00% base 0.00% | 0.00% | $2.7M | — | LP IL | Base | Deposit ↗ |
| WSTETH-ETH Fluid DEX | 0.19% base 0.19% | 0.46% | $2.7M | — | LP Stable/Up | Base | Deposit ↗ |
| ETH-CTM Uniswap V4 · 0.00% | 0.03% base 0.03% | <0.01% | $2.6M | — | LP IL Down | Ethereum | Deposit ↗ |
By protocol
- JustLend V1best <0.01% · 1 pools · $1.16B
- Uniswap V4best 48.48% · 29 pools · $208.8M
- Fluid Litebest 4.60% · 1 pools · $186.8M
- Fluid Lendingbest 1.70% · 6 pools · $182.0M
- Liquity V1best 0.00% · 1 pools · $175.4M
- Fluid DEXbest 0.41% · 8 pools · $129.0M
- Curve DEXbest 1.56% · 4 pools · $126.0M
- StakeWise V3best 2.33% · 1 pools · $101.9M
- GMX V2 Perpsbest 8.67% · 5 pools · $76.5M
- Convex Financebest 1.67% · 2 pools · $74.1M
By chain
- Ethereumbest 48.48% · 48 pools · $1.32B
- Tronbest <0.01% · 1 pools · $1.16B
- Arbitrumbest 18.25% · 12 pools · $100.5M
- BNB Chainbest 11.44% · 4 pools · $39.6M
- Basebest 3.18% · 6 pools · $15.9M
- Optimismbest 1.30% · 1 pools · $11.7M
- Starknetbest 32.59% · 4 pools · $7.0M
- Katanabest 1.89% · 1 pools · $5.6M
- Fantombest 0.00% · 1 pools · $3.0M
- Solanabest 0.19% · 1 pools · $2.4M
Earn ETH on centralised platforms hand-checked
| Platform | Product | Base APY | Max APY | Lock-up | Where | Checked | |
|---|---|---|---|---|---|---|---|
| NexoMax rate requires Platinum tier and payout in NEXO | Flexible | 3.00% | 8.00% | none / fixed term for max | Non-US | Sep 13, 2026 | Visit ↗ |
| KrakenBonded staking pays more, unbonding takes days | Staking | 2.50% | 3.50% | flexible or bonded | Most, US limited | Sep 13, 2026 | Visit ↗ |
| CoinbaseCoinbase takes a commission from staking rewards | Staking | 2.00% | 2.80% | unstaking queue | Most, some US states excluded | Sep 13, 2026 | Visit ↗ |
CeFi rates are checked by hand from the platforms’ own pages and can change without notice. “Max” usually needs a loyalty tier, a token holding or a lock-up. Custodial products carry counterparty risk.
Borrow ETH 23 markets
| Market | Chain | Borrow APY | Supply APY | Supplied | Borrowed | LTV |
|---|---|---|---|---|---|---|
| ETHCompound V3 | Ethereum | 1.85% | 1.27% | $125.3M | $79.3M | 0% |
| ETHFluid Lending | Ethereum | 6.05% | 1.70% | $104.7M | $50.0M | 87% |
| ETHFluid Lending | Ethereum | 5.82% | 1.70% | $64.0M | $32.9M | 87% |
| ETHLiquity V1 | Ethereum | 0.50% | 0.00% | $175.4M | $26.3M | 91% |
| ETHVenus Core Pool | BNB Chain | 1.51% | 0.60% | $44.1M | $22.1M | 80% |
Top single-asset ETH pools by APY TVL ≥ $1M
- Vesper Ethereum · Aggressive24.98% · 30d 28.68% · $2.8M
- Fluid Lite Ethereum4.86% · 30d 4.60% · $186.8M
- Harvest Finance Base · IPOR - Base ETH Lending Optimizer3.18% · 30d 3.67% · $3.9M
- Harvest Finance Base · Euler - Clearstar Fusion3.04% · 30d 3.26% · $1.0M
- StakeWise V3 Ethereum · Genesis Vault2.40% · 30d 2.33% · $101.9M
- Nostra Money Market Starknet1.84% · 30d 1.84% · $2.4M
- Fluid Lending Ethereum1.70% · 30d 1.85% · $104.7M
- Fluid Lending Ethereum1.70% · 30d 1.85% · $64.0M
Paired with ETH
How to earn on ETH
Single-asset options (lending, staking, savings vaults) pay interest without exposing you to another token; your ETH balance grows and you can withdraw the same asset. Liquidity pairs earn trading fees plus rewards but hold ETH 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 ETH APY right now?
The highest single-asset rate with at least $1M of liquidity is 4.86% at Fluid Lite on Ethereum ($186.8M TVL). Including liquidity pairs, ETH pays up to 45.32% at Uniswap V4. Rates are refreshed hourly; the 30-day average for that pool is 4.60%.
Where can I earn interest on ETH?
65 protocols currently list ETH pools. The largest by liquidity: JustLend V1 ($1.16B), Uniswap V4 ($208.8M), Fluid Lite ($186.8M), Fluid Lending ($182.0M), Liquity V1 ($175.4M). Each row in the table links to the protocol’s deposit page.
Can I earn on ETH on a centralised exchange instead?
Yes. We list 3 CeFi products for ETH; the highest advertised rate is 8.00% at Nexo (base 3.00%). Custodial platforms remove smart-contract risk but add counterparty risk: the platform holds your coins.
Can I borrow ETH?
23 lending markets let you borrow ETH against collateral. See ETH borrow rates for the cheapest one.
Is ETH yield safe?
It depends on the pool. Single-asset lending and staking avoid impermanent loss; liquidity pairs do not. The median ETH rate across liquid pools is 1.16%; anything far above it usually carries reward-token risk or a very small market. Our methodology explains every column and flag.