USD3 interest rates: staking, lending and yield farming
Every liquid DeFi pool that includes USD3: 18 pools across 8 protocols and 1 chains. Live APY with base/reward split, 30-day average and risk flags. Updated 2 h ago
| Pool | APY | 30d avg | TVL ▾ | 30d | Risk | Chain | |
|---|---|---|---|---|---|---|---|
| USD3 3Jane Lending | 6.79% base 6.79% | 6.83% | $72.3M | Stable Single Down | Ethereum | Deposit ↗ | |
| PT-USD3-17DEC2026 Morpho Blue | 1.15% base 0.00% + reward 1.15% | 1.35% | $23.1M | LP IL Reward-heavy Stable/Up | Ethereum | Deposit ↗ | |
| USD3 Morpho Blue | 1.38% base 0.00% + reward 1.38% | 1.72% | $17.0M | Stable Single Reward-heavy Stable/Up | Ethereum | Deposit ↗ | |
| USD3 Pendle V2 · For buying PT-USD3-17DEC2026 | 14.13% base 14.13% | 13.97% | $6.9M | — | Stable Single Down | Ethereum | Deposit ↗ |
| USD3 Pendle V2 · For LP | Maturity 17DEC2026 | 12.10% base 11.55% + reward 0.55% | 12.13% | $6.9M | — | Stable Single Down | Ethereum | Deposit ↗ |
| FRXUSD-USD3 Curve DEX | 7.68% base 2.05% + reward 5.63% | 8.91% | $2.4M | — | Stable LP Reward-heavy Stable/Up | Ethereum | Deposit ↗ |
| USD3 Reserve Protocol | 0.00% base 0.00% | 11.34% | $1.7M | — | Stable Single | Ethereum | Deposit ↗ |
| FRXUSD-USD3 Convex Finance | 12.28% base 2.05% + reward 10.23% | 14.08% | $1.6M | — | Stable LP Reward-heavy Stable/Up | Ethereum | Deposit ↗ |
By protocol
- 3Jane Lendingbest 6.79% · 1 pools · $72.3M
- Morpho Bluebest 1.38% · 2 pools · $40.0M
- Pendle V2best 13.97% · 2 pools · $13.8M
- Curve DEXbest 7.68% · 1 pools · $2.4M
- Reserve Protocolbest 0.00% · 1 pools · $1.7M
- Convex Financebest 12.28% · 1 pools · $1.6M
By chain
- Ethereumbest 13.97% · 8 pools · $131.8M
Borrow USD3 2 markets
Top single-asset USD3 pools by APY TVL ≥ $1M
- Pendle V2 Ethereum · For buying PT-USD3-17DEC202614.13% · 30d 13.97% · $6.9M
- Pendle V2 Ethereum · For LP | Maturity 17DEC202612.10% · 30d 12.13% · $6.9M
- 3Jane Lending Ethereum6.79% · 30d 6.83% · $72.3M
- Morpho Blue Ethereum1.38% · 30d 1.72% · $17.0M
- Reserve Protocol Ethereum0.00% · 30d 11.34% · $1.7M
Paired with USD3
How to earn on USD3
Single-asset options (lending, staking, savings vaults) pay interest without exposing you to another token; your USD3 balance grows and you can withdraw the same asset. Liquidity pairs earn trading fees plus rewards but hold USD3 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.