USDAI interest rates: staking, lending and yield farming
Every liquid DeFi pool that includes USDAI: 13 pools across 7 protocols and 4 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 | |
|---|---|---|---|---|---|---|---|
| USDAI Pendle V2 · For LP | Maturity 15OCT2026 | 1.75% base 1.70% + reward 0.05% | 1.40% | $50.3M | Stable Single Stable/Up | Arbitrum | Deposit ↗ | |
| USDAI Pendle V2 · For buying PT-USDai-15OCT2026 | 8.82% base 8.82% | 7.86% | $50.3M | Stable Single Down | Arbitrum | Deposit ↗ | |
| USDAI-USDC Fluid DEX | 0.12% base 0.12% | 1.19% | $3.1M | — | Stable LP Stable/Up | Arbitrum | Deposit ↗ |
| PT-USDAI-15OCT2026 Morpho Blue | 0.00% base 0.00% | 0.00% | $2.4M | — | LP IL | Arbitrum | Deposit ↗ |
By protocol
- Pendle V2best 7.86% · 2 pools · $100.6M
- Fluid DEXbest 0.12% · 1 pools · $3.1M
- Morpho Bluebest 0.00% · 1 pools · $2.4M
By chain
- Arbitrumbest 7.86% · 4 pools · $106.1M
Borrow USDAI 2 markets
Top single-asset USDAI pools by APY TVL ≥ $1M
- Pendle V2 Arbitrum · For buying PT-USDai-15OCT20268.82% · 30d 7.86% · $50.3M
- Pendle V2 Arbitrum · For LP | Maturity 15OCT20261.75% · 30d 1.40% · $50.3M
Paired with USDAI
How to earn on USDAI
Single-asset options (lending, staking, savings vaults) pay interest without exposing you to another token; your USDAI balance grows and you can withdraw the same asset. Liquidity pairs earn trading fees plus rewards but hold USDAI 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.