DeFiEarns

USD interest rates: staking, lending and yield farming

Every liquid DeFi pool that includes USD: 11 pools across 5 protocols and 3 chains. Live APY with base/reward split, 30-day average and risk flags. Updated 2 h ago

Best single-asset APY
0.00%
Best APY incl. pairs
0.00%
Median APY
$29.1M
Liquidity in USD pools
1 / 11
Single-asset / all pools
All pools Single asset Best APY Morpho Blue Uniswap V2
Pool APY 30d avg TVL ▾ 30d Risk Chain
MM1-USD Morpho Blue 0.00% base 0.00% 0.00% $18.2M LP IL Ethereum Deposit ↗
WETH-USD Uniswap V2 0.00% base 0.00% 0.00% $8.8M LP IL Ethereum Deposit ↗

By protocol

By chain

  • Ethereumbest 0.00% · 2 pools · $27.1M

Borrow USD 1 markets

MarketChainBorrow APYSupply APYSuppliedBorrowedLTV
MM1-USDMorpho Blue Ethereum 9.23% 0.00% $18.2M $7.7M 86%

All USD borrow markets →

Paired with USD

How to earn on USD

Single-asset options (lending, staking, savings vaults) pay interest without exposing you to another token; your USD balance grows and you can withdraw the same asset. Liquidity pairs earn trading fees plus rewards but hold USD 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 USD APY right now?
The highest rate with at least $1M of liquidity is 0.00% at Uniswap V2 on Ethereum. It is a liquidity pair, so the return also depends on the other asset.
Where can I earn interest on USD?
5 protocols currently list USD pools. The largest by liquidity: Morpho Blue ($18.2M), Uniswap V2 ($8.8M). Each row in the table links to the protocol’s deposit page.
Can I borrow USD?
1 lending markets let you borrow USD against collateral. See USD borrow rates for the cheapest one.
Is USD yield safe?
It depends on the pool. Single-asset lending and staking avoid impermanent loss; liquidity pairs do not. The median USD rate across liquid pools is 0.00%; anything far above it usually carries reward-token risk or a very small market. Our methodology explains every column and flag.