Earn ratesStablecoins
Stablecoin yield, compared
What dollar stablecoins earn right now on exchanges and onchain: the best product for each coin and the highest rates across all of them, read every hour.
Rates for your wallet
EVM, Solana, TON, Tron, Bitcoin, Litecoin, Bitcoin Cash, Dogecoin, Zcash. Nothing to connect or sign.
Best rate by stablecoin
USDTTether38.77%18.43%
WhiteBit · 1080-day lock38.77%
Kamino on Solana5555 offers
USDCUSD Coin17.30%17.30%WhiteBit · 1080-day lock10.22%
Aave on Linea115115 offers
USDeEthena USDe5.00%5.00%
Gate.io5.00%
Ethena on Ethereum44 offers
DAIDai5.93%—5.93%
Morpho on Ethereum88 offers
USDSSky Dollar11.57%11.57%WhiteBit · 360-day lock5.27%
Yearn on Ethereum1515 offers
USD1World Liberty USD17.95%4.37%
Binance7.95%
Dolomite on Ethereum77 offers
PYUSDPayPal USD7.32%—7.32%Kamino on Solana77 offers
FDUSDFirst Digital USD2.88%0.32%Binance2.88%
Venus on BSC33 offers
RLUSDRipple USD5.44%1.20%
Bybit5.44%Morpho on Ethereum44 offers
USDDUSDD5.09%5.09%Gate.io—22 offers
TUSDTrueUSD1.58%1.58%Binance1.33%
JustLend on Tron22 offers
GHOGHO6.35%—6.35%
Fluid on Ethereum44 offers
crvUSDcrvUSD9.25%—9.25%Yearn on Ethereum88 offers
FRAXFrax3.45%3.45%Binance—22 offersRead November 4 at 13:44 UTC. Exchange column: the highest rate on any exchange or perp DEX, fixed terms included, small-cap promotions and new-user offers left out.
Highest stablecoin rates on exchanges
WhiteBitLending · Fixed 1080dUSDT18.43%APRWhiteBitLending · Fixed 1080dUSDC17.30%APRWhiteBitLending · Fixed 360dUSDS11.57%APRBybitOn-chain Earn · FlexibleUSDC7.21%APRBybitOn-chain Earn · FlexibleUSDT6.80%APR
MEXCEarn · FlexibleUSDT6.00%APRMEXCEarn · FlexibleUSDC6.00%APRGate.ioLending · FlexibleUSDD5.09%APRGate.ioLending · FlexibleUSDe5.00%APRBinanceEarn · FlexibleUSD14.37%APRGate.ioLending · FlexibleUSDC4.33%APRBinanceEarn · FlexibleUSDT3.76%APRHighest stablecoin rates onchain
Kamino
Solana · $8.8M TVLUSDT38.77%Aave
Linea · $1.1M TVLUSDC10.22%
Euler
Ethereum · $2.0M TVLUSDC9.73%YearnEthereum · $1.4M TVLcrvUSD9.25%KaminoSolana · $17.3M TVLUSDC9.11%MorphoEthereum · $1.5M TVLUSDC9.00%DolomiteEthereum · $131.6M TVLUSDC8.42%KaminoSolana · $3.4M TVLUSDC8.18%DolomiteEthereum · $309.2M TVLUSD17.95%
Yo Protocol
Base · $7.4M TVLUSDC7.81%KaminoSolana · $7.3M TVLUSDC7.64%YearnEthereum · $7.5M TVLUSDC7.36%Rates are published by the venues and protocols and change constantly; check them on the venue before depositing. Pools under $1 million in deposits and rates above 200% are left out. Information only, not financial advice; see the disclaimer.
Questions people ask
On exchanges, USDT at WhiteBit: 18.43% with a 1080-day lock, as read on November 4 at 13:44 UTC. Onchain, USDT in Kamino on Solana: 38.77% APY. Promotions with a small cap and new-user offers are left out of these figures; each coin’s page lists them.
7.21% on USDC at Bybit, a product that can be left at any time. Flexible rates follow demand for borrowing and move often, some every hour.
From lending. Exchanges lend stablecoins to margin traders, onchain markets such as Aave, Morpho and Kamino lend them to borrowers who post collateral, and some coins, such as USDe, pass on the yield of their own strategy. When demand for borrowing rises, so do the rates.
No yield comes without risk. On an exchange the deposit is the exchange’s to hold; onchain it sits in smart contracts that can fail; a stablecoin itself can lose its peg. A higher rate usually means more risk, not a better deal. Nothing here is a recommendation.
Exchanges mostly quote APR, the simple yearly rate; onchain pools quote APY, which counts interest on interest. The APY vs APR entry shows how to convert one into the other.
Rates by coin
Your stablecoins and their rates in one place
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