Best stablecoin yields on Arbitrum
USDC, USDT, DAI, USDS, USDe and other dollar-pegged coins: every liquid pool with live APY, the base/reward split and a 30-day average. Sorted by liquidity so the biggest, most reliable markets come first.
4.14%
Median single-asset APY
14.30%
Best APY (liquid)
33
Liquid pools
$1.61B
Total liquidity
19
Protocols
| Pool | APY | 30d avg | TVL ▾ | 30d | Risk | |
|---|---|---|---|---|---|---|
| SUSDAI USD AI · 30d unlock | 6.99% base 6.99% | 7.31% | $493.0M | Stable Single Down | Deposit ↗ | |
| USDS Spark Savings | 3.60% base 3.60% | 3.55% | $362.7M | Stable Single Stable/Up | Deposit ↗ | |
| SUSDS Sky Lending | 3.60% base 3.60% | 3.55% | $362.7M | Stable Single Stable/Up | Deposit ↗ | |
| USDC Fluid Lending | 4.33% base 4.33% | 4.22% | $61.1M | Stable Single Stable/Up | Deposit ↗ | |
| USDAI Pendle V2 · For LP | Maturity 15OCT2026 | 1.75% base 1.70% + reward 0.05% | 1.40% | $50.3M | Stable Single Stable/Up | Deposit ↗ | |
| USDAI Pendle V2 · For buying PT-USDai-15OCT2026 | 8.82% base 8.82% | 7.86% | $50.3M | Stable Single Down | Deposit ↗ | |
| SUSDAI Fluid Lending | 0.00% base 0.00% | 0.00% | $44.3M | Stable Single | Deposit ↗ | |
| SUSDAI Fluid Lending | 0.00% base 0.00% | 0.00% | $35.1M | Stable Single | Deposit ↗ | |
| USDC Aave V3 | 2.63% base 2.63% | 2.51% | $34.4M | Stable Single Stable/Up | Deposit ↗ | |
| SUSDAI-USDC Fluid DEX | <0.01% base <0.01% | 0.16% | $17.9M | Stable LP Stable/Up | Deposit ↗ | |
| SUSDAI Pendle V2 · For buying PT-sUSDai-15OCT2026 | 11.14% base 11.14% | 10.77% | $13.1M | Stable Single Down | Deposit ↗ | |
| SUSDAI Pendle V2 · For LP | Maturity 15OCT2026 | 8.26% base 8.07% + reward 0.19% | 8.79% | $13.1M | Stable Single Stable/Up | Deposit ↗ | |
| BUIDL BlackRock BUIDL | 3.23% base 3.23% | 3.24% | $8.6M | — | Stable Single Stable/Up | Deposit ↗ |
| USDT ZEROBASE CeDeFi | 9.00% base 7.00% + reward 2.00% | 9.00% | $7.6M | — | Stable Single Down | Deposit ↗ |
| GAMIUSDC T3tris Finance · perf 20.0% | 0.00% base 0.00% | 0.00% | $6.0M | — | Stable Single | Deposit ↗ |
| GTUSDA Gauntlet · Gauntlet USD Alpha | 4.68% base 4.68% | 4.80% | $5.0M | — | Stable Single Stable/Up | Deposit ↗ |
| USDC Gains Network | 35.99% base 35.99% | 14.30% | $4.6M | — | Stable Single Down | Deposit ↗ |
| USDT Compound V3 | 2.51% base 2.51% | 2.58% | $4.4M | — | Stable Single Stable/Up | Deposit ↗ |
| USDY Ondo Yield Assets · US Dollar Yield | 3.58% base 3.58% | 3.56% | $3.6M | — | Stable Single Stable/Up | Deposit ↗ |
| BITGETUSDT0 Morpho Blue | 4.13% base 4.13% | 3.14% | $3.6M | — | Stable Single Down | Deposit ↗ |
| USDAI-USDC Fluid DEX | 0.12% base 0.12% | 1.19% | $3.1M | — | Stable LP Stable/Up | Deposit ↗ |
| USDC Compound V3 | 2.86% base 2.86% | 2.81% | $3.0M | — | Stable Single Stable/Up | Deposit ↗ |
| SUSDAI Pendle V2 · For buying PT-sUSDai-25FEB2027 | 9.87% base 9.87% | 9.68% | $3.0M | — | Stable Single Stable/Up | Deposit ↗ |
| SUSDAI Pendle V2 · For LP | Maturity 25FEB2027 | 9.62% base 9.18% + reward 0.44% | 9.91% | $3.0M | — | Stable Single Down | Deposit ↗ |
| BBQUSDC Morpho Blue | 4.16% base 4.16% | 5.12% | $2.4M | — | Stable Single Down | Deposit ↗ |
| GHO Fluid Lending | 5.95% base 5.95% | 5.27% | $2.3M | — | Stable Single Stable/Up | Deposit ↗ |
| BITGETUSDC Morpho Blue | 3.41% base 3.41% | 3.58% | $2.1M | — | Stable Single Stable/Up | Deposit ↗ |
| SUSDAI-USDC Curve DEX | 3.69% base 3.69% | 4.20% | $1.4M | — | Stable LP Stable/Up | Deposit ↗ |
| USDC-USDT Uniswap V3 · 0.01% | 6.48% base 6.48% | 3.97% | $1.3M | — | Stable LP Down | Deposit ↗ |
| USDC Dolomite | 4.39% base 4.39% | 4.40% | $1.3M | — | Stable Single Stable/Up | Deposit ↗ |
| SRROYSUSDAI Royco V2 · Staked USDai · Senior | 6.20% base 6.20% | 5.82% | $1.1M | — | Stable Single Down | Deposit ↗ |
| DAI Aave V3 | 2.08% base 2.08% | 1.95% | $1.0M | — | Stable Single Stable/Up | Deposit ↗ |
| USDC-USDSM Curve DEX | 0.00% base 0.00% | <0.01% | $1.0M | — | Stable LP | Deposit ↗ |
By stablecoin
- SUSDAIbest 10.77% · 9 pools · $624.0M
- USDS Sky USDSbest 3.55% · 1 pools · $362.7M
- SUSDS Sky Savings USDSbest 3.55% · 1 pools · $362.7M
- USDC USD Coinbest 14.30% · 10 pools · $129.1M
- USDAIbest 7.86% · 3 pools · $103.7M
- USDT Tetherbest 9.00% · 3 pools · $13.4M
- BUIDL BlackRock BUIDLbest 3.23% · 1 pools · $8.6M
- GAMIUSDCbest 0.00% · 1 pools · $6.0M
- GTUSDAbest 4.68% · 1 pools · $5.0M
- USDY Ondo US Dollar Yieldbest 3.56% · 1 pools · $3.6M
- BITGETUSDT0best 3.14% · 1 pools · $3.6M
- BBQUSDCbest 4.16% · 1 pools · $2.4M
- GHO Aave GHObest 5.27% · 1 pools · $2.3M
- BITGETUSDCbest 3.41% · 1 pools · $2.1M
- SRROYSUSDAIbest 5.82% · 1 pools · $1.1M
- DAI Daibest 1.95% · 1 pools · $1.0M
- USDSMbest 0.00% · 1 pools · $1.0M
Where stablecoin yield comes from
Three sources. Lending markets (Aave, Morpho, Spark, Compound) pay you the interest that borrowers pay, minus a protocol fee; rates rise when leverage demand rises. Savings tokens (sUSDS, sUSDe, USDY, BUIDL) pass through treasury-bill income or funding-rate income. Liquidity pools (Curve, Uniswap) pay trading fees, sometimes topped up with reward tokens. The base/reward split under each APY tells you which part is durable.
Compare the base rate with the median above: a stablecoin pool paying three times the median is either tiny, new, or paying in a token you may not want. Custodial alternatives are on the CeFi rates page.
Questions people ask
What is the best stablecoin yield on Arbitrum right now?
The highest APY among stablecoin pools with at least $1M of liquidity is 14.30%. The median stablecoin single-asset rate is 4.14%. Rates refresh every hour.
Which stablecoins pay the most?
Rates differ by coin and venue. SUSDAI up to 10.77%, USDS up to 3.55%, SUSDS up to 3.55%, USDC up to 14.30%, USDAI up to 7.86%, USDT up to 9.00%. Open a coin page for every pool.
Why do stablecoin APYs differ so much between protocols?
Lending markets pay what borrowers pay, minus a protocol cut. Liquidity pools earn trading fees. Some pools add token rewards on top (shown as “reward” in the APY split), and those emissions can stop at any time. Higher APY usually means a smaller market, a newer protocol or extra risk.
Are stablecoin yields safe?
No yield is risk-free. Stablecoins can lose their peg, smart contracts can be exploited, and lending markets can run out of liquidity. Prefer large TVL, audited protocols and rates that are close to the median. See our methodology.