Rates
Recent quotes first, then history, liquidity and risk-weighted yield. We may earn commissions; they never affect order. Rates vary and capital is at risk. Not financial advice.
Compare the platforms in our feed. Coverage varies by asset and source availability.
Median of recent quotes for Treasury-linked products. Fees, access and risks differ from holding Treasury bills directly.
Each grade weighs the protocol, the pool and, for stablecoins, whether the dollar itself still trades at $1. Not a guarantee of safety or returns.
Our default order weighs yield and risk. Commissions do not affect rankings. Read the methodology.
It depends on the asset and how much risk you accept. DeFi lending, liquidity pools, vaults, staking, fixed-rate terms and custodial CeFi earn all pay different rates that move constantly. BitcoinYield ranks the live options for Bitcoin, USDC and stablecoins across DeFi and centralized earn by yield and risk together, with a transparent A-D risk grade next to each, so a fragile headline number never tops the list on its own.
BitcoinYield compares source-reported annual rates, with APR and APY labeled separately, from the DeFi and CeFi platforms it tracks into one table per asset, ranked by yield and risk together, splitting organic yield from incentive-token rewards and showing pool depth and grade, so you can see the real spread for any asset (BTC, ETH, SOL, USDC, USDT, DAI and more) at a glance, each row stamped with when it was fetched.
No. A high headline rate is often propped up by incentive tokens or comes with thin liquidity, lockups, or de-peg risk. BitcoinYield shows the base-versus-reward split and a risk grade so you can weigh yield against risk instead of chasing the top number.
It depends on the product. Borrowers pay lending interest, traders pay liquidity-pool fees, and some products distribute investment income or token incentives. Holding a payment stablecoin alone does not establish a right to interest. Check the specific product, its source of income, withdrawal terms and eligibility.
The median reported yield of Treasury-linked products in our feed provides context, not a risk-free floor. A similar APY does not mean two products hold the same assets or carry the same risks. Tokenized products still have issuer, custody, liquidity and technology risks, and their fees and investor restrictions vary.
A quick, no-jargon primer on the words you’ll see across the table.
A token designed to track a reference value, often the US dollar. USDC, USDT and DAI target $1, but can lose that peg. A stablecoin is not a bank deposit.
APR is an annual rate before compounding. APY includes a source’s compounding assumptions. We show the reported convention and do not convert between them. Neither is a guaranteed return.
DeFi uses on-chain protocols, often requiring deposits into smart contracts that can fail or restrict withdrawals. CeFi means a company holds your funds. Both involve risks beyond the quoted rate.
No yield is risk-free. We grade every option A to D and show the risks next to the rate, so you can weigh them. As a rule, a higher APY usually means higher risk, not free money.
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Live yield data from DefiLlama across DeFi protocols (Aave, Morpho, Lido, Pendle and more), plus OKX and Bybit for centralized earn and Babylon for BTC-native staking.
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