Find rates for your crypto. Compare the risks, sources and track record behind each yield.
Ranked by yield and risk together: rates that have held for 30 days, in markets over $10M graded A to C, come first, then yield weighed by its grade. We may earn commissions; they never affect the order. Rates change and capital is at risk. Not financial advice.
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The US Treasury's rate on Sep 25, the benchmark to weigh any dollar yield against. Tokenized Treasury funds in our feed report a median of about 3.31% after fees.
Each grade weighs the protocol, the pool and, for stablecoins, whether the dollar still trades at $1 and what backs it. Not a guarantee of safety or returns.
Every signal behind a grade, and how grades set the order, is published in 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.
Start from the 3-month US Treasury bill yield, which BitcoinYield shows from the US Treasury's own daily data: what a stablecoin yield pays for its extra risks is roughly the amount it exceeds that rate. The median yield of tokenized Treasury funds in our feed shows what holding Treasuries on-chain returns after fees. 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 token designed to track a reference value, often the US dollar. What backs it differs: cash and Treasury bills (USDC), crypto collateral (DAI), a trading strategy (USDe) or loans to borrowers, and each can lose its $1 peg in its own way. 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.
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Live yield data from DefiLlama across DeFi protocols (Aave, Morpho, Lido, Pendle and more), plus exchange earn from Binance, Bitfinex, CoinRabbit and Gate.io, and Babylon for BTC-native staking.