Best USD3 yield
The top-ranked USD3 yield is 6.40% APY on 3Jane Lending (Ethereum, private credit), risk grade C. Yield on USD3. Two yield-accruing tokens use this ticker, 3Jane's credit-backed USD3 and Reserve's basket of yield-bearing dollars, so check which one a pool holds before depositing.
Live USD3 yields
Ranked by rate and risk together. Grades run from A (lowest risk) to D (highest). We may earn commissions; they never change the order. Capital is at risk. Not financial advice. How we rank
Ethereum · USD3-SCRVUSD · Curve · Liquidity pool
Ethereum · USD3-SCRVUSD · Liquidity pool
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The top pick, in detail
Yield position
The US Treasury’s rate on Oct 1. This offer is 2.2 percentage points above it. Tokenized Treasury funds in our feed report a median of about 3.53% across 9 products. Similar yields do not imply similar risks. Fees, custody and redemption terms differ.
How the benchmark is sourcedRisk & durability
The risk behind the top USD3 rate, and the depth supporting it.
- Rate predicted to fall+2
- Moderate liquidity (under $25M, $12M available of $93M deposited)+1
- Peg not independently verified+1
- Private credit: loans to institutions (borrower default risk)+2
How this yield works. Lend to institutional borrowers whose loans are underwritten and enforced off-chain, not by an on-chain liquidation. The yield is their interest; the main risk is borrower default.
The risk grade is a transparent read of incentive reliance, pool depth, peg health and prior incidents, not a guarantee. The 30-day average summarizes reported rates, not realized returns: when today’s APY sits far above it, the yield is likely incentive-driven and tends to fall back.
How each kind of USD3 yield works
- Private credit
Lend to institutional borrowers whose loans are underwritten and enforced off-chain, not by an on-chain liquidation. The yield is their interest; the main risk is borrower default.
- Fixed rate
Lock a fixed yield to maturity. Rate certainty in exchange for a lock-up.
- DeFi lending
Supply the asset to an on-chain money market and earn borrower interest. Non-custodial; smart-contract risk.
- Liquidity pool
Provide liquidity to a pool and earn fees plus incentives. Impermanent-loss risk on volatile pairs.