Rates
Ranked by real live APY and risk, never by who pays us. We may earn a commission on some links, at no cost to you, and it never changes the order. Information, not financial advice: rates vary and your capital is at risk.
Compare the platforms in our feed. Coverage varies by asset and source availability.
Grades summarize observed risks. They are 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 normalizes APY from every DeFi and CeFi platform 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.
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.
Annual percentage yield: what your money earns over a year, including compounding (earning on top of what you already earned). A 5% APY on $1,000 is roughly $50 in a year if the rate holds.
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.
The best Bitcoin and stablecoin yields, and the biggest rate moves, in one email a week. Free, risk-ranked, unsubscribe any time.
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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