PayPal USD (PYUSD) interest rates: staking, lending and yield farming
Every liquid DeFi pool that includes PYUSD: 38 pools across 19 protocols and 4 chains. Live APY with base/reward split, 30-day average and risk flags. Updated 2 h ago
8.58%
Best single-asset APY
8.58%
Best APY incl. pairs
3.49%
Median APY
$519.2M
Liquidity in PYUSD pools
17 / 38
Single-asset / all pools
Best single-asset option right now: 10.42% at Sentora Curator on Ethereum ($2.3M TVL, 30d avg 8.58%).
| Pool | APY | 30d avg | TVL ▾ | 30d | Risk | Chain | |
|---|---|---|---|---|---|---|---|
| PYUSD Sentora Curator · Kamino Sentora PYUSD | 5.24% base 2.77% + reward 2.48% | 6.01% | $136.8M | Stable Single Down | Solana | Deposit ↗ | |
| PYUSD SparkLend | 0.86% base 0.86% | 0.49% | $133.6M | Stable Single Stable/Up | Ethereum | Deposit ↗ | |
| PYUSD-USDS Uniswap V4 · 0.00% | 0.13% base 0.13% | 0.09% | $100.1M | Stable LP Down | Ethereum | Deposit ↗ | |
| PYUSD-USDC Curve DEX | 5.02% base 0.42% + reward 4.60% | 5.44% | $38.0M | Stable LP Reward-heavy Down | Ethereum | Deposit ↗ | |
| PYUSD-USDC Orca DEX | 0.37% base 0.37% | 0.28% | $19.6M | Stable LP Stable/Up | Solana | Deposit ↗ | |
| PYUSD-USDC Kamino Liquidity | 0.31% base 0.31% | 0.22% | $19.6M | Stable LP Stable/Up | Solana | Deposit ↗ | |
| PYUSD Kamino Lend · Ethena Market | 3.33% base 3.33% | 3.53% | $17.9M | Stable Single Down | Solana | Deposit ↗ | |
| PYUSD-PRIME Orca DEX | 1.04% base 1.04% | 1.12% | $9.6M | LP IL Down | Solana | Deposit ↗ | |
| PYUSD Kamino Lend · Figure Market | 3.29% base 3.29% | 4.41% | $8.5M | — | Stable Single Stable/Up | Solana | Deposit ↗ |
| PYUSD Kamino Lend · Sentora xStocks Market | <0.01% base <0.01% | <0.01% | $7.0M | — | Stable Single Stable/Up | Solana | Deposit ↗ |
| PYUSD Kamino Lend · Maple Market | 3.22% base 3.22% | 3.90% | $5.9M | — | Stable Single Stable/Up | Solana | Deposit ↗ |
| PYUSD-USDC Convex Finance | 0.42% base 0.42% + reward <0.01% | 0.28% | $5.9M | — | Stable LP Stable/Up | Ethereum | Deposit ↗ |
| PYUSD Kamino Lend · SOL/BTC Market | 2.27% base 2.27% | 3.33% | $5.7M | — | Stable Single Stable/Up | Solana | Deposit ↗ |
| PYUSD Sentora Curator · Sentora PRIME | 10.42% base 10.42% | 8.58% | $2.3M | — | Stable Single Down | Ethereum | Deposit ↗ |
| PYUSD-USDE Orca DEX | 6.37% base 6.37% | 1.43% | $2.2M | — | Stable LP Stable/Up | Solana | Deposit ↗ |
| PYUSD-CRVUSD Curve DEX | 3.37% base 0.26% + reward 3.11% | 3.73% | $1.2M | — | Stable LP Reward-heavy Stable/Up | Ethereum | Deposit ↗ |
By protocol
- Sentora Curatorbest 8.58% · 2 pools · $139.0M
- SparkLendbest 0.49% · 1 pools · $133.6M
- Uniswap V4best 0.09% · 1 pools · $100.1M
- Kamino Lendbest 3.33% · 5 pools · $45.1M
- Curve DEXbest 5.02% · 2 pools · $39.2M
- Orca DEXbest 1.43% · 3 pools · $31.4M
- Kamino Liquiditybest 0.22% · 1 pools · $19.6M
- Convex Financebest 0.28% · 1 pools · $5.9M
Borrow PYUSD 9 markets
| Market | Chain | Borrow APY | Supply APY | Supplied | Borrowed | LTV |
|---|---|---|---|---|---|---|
| PYUSDKamino Lend | Solana | 3.98% | 3.22% | $61.1M | $55.2M | 0% |
| PYUSDSparkLend | Ethereum | 4.04% | 0.86% | $175.0M | $41.5M | 0% |
| PYUSDKamino Lend | Solana | 3.46% | 2.27% | $40.6M | $34.9M | 80% |
| PYUSDKamino Lend | Solana | 5.04% | 3.29% | $31.9M | $23.4M | 0% |
| PYUSDAave V3 | Ethereum | 4.92% | 3.90% | $7.5M | $6.6M | 0% |
Top single-asset PYUSD pools by APY TVL ≥ $1M
- Sentora Curator Ethereum · Sentora PRIME10.42% · 30d 8.58% · $2.3M
- Sentora Curator Solana · Kamino Sentora PYUSD5.24% · 30d 6.01% · $136.8M
- Kamino Lend Solana · Ethena Market3.33% · 30d 3.53% · $17.9M
- Kamino Lend Solana · Figure Market3.29% · 30d 4.41% · $8.5M
- Kamino Lend Solana · Maple Market3.22% · 30d 3.90% · $5.9M
- Kamino Lend Solana · SOL/BTC Market2.27% · 30d 3.33% · $5.7M
- SparkLend Ethereum0.86% · 30d 0.49% · $133.6M
- Kamino Lend Solana · Sentora xStocks Market<0.01% · 30d <0.01% · $7.0M
Paired with PYUSD
How to earn on PYUSD
Single-asset options (lending, staking, savings vaults) pay interest without exposing you to another token; your PYUSD balance grows and you can withdraw the same asset. Liquidity pairs earn trading fees plus rewards but hold PYUSD 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 PYUSD APY right now?
The highest single-asset rate with at least $1M of liquidity is 10.42% at Sentora Curator on Ethereum ($2.3M TVL). Rates are refreshed hourly; the 30-day average for that pool is 8.58%.
Where can I earn interest on PYUSD?
19 protocols currently list PYUSD pools. The largest by liquidity: Sentora Curator ($139.0M), SparkLend ($133.6M), Uniswap V4 ($100.1M), Kamino Lend ($45.1M), Curve DEX ($39.2M). Each row in the table links to the protocol’s deposit page.
Can I borrow PYUSD?
9 lending markets let you borrow PYUSD against collateral. See PYUSD borrow rates for the cheapest one.
Is PYUSD yield safe?
It depends on the pool. Single-asset lending and staking avoid impermanent loss; liquidity pairs do not. The median PYUSD rate across liquid pools is 3.49%; anything far above it usually carries reward-token risk or a very small market. Our methodology explains every column and flag.