Best USDai yield
The top-ranked USDai yield is 6.90% APY on USD AI (Arbitrum, tokenized fund), risk grade C. Yield on USD.AI's USDai and staked sUSDai, a credit-backed dollar, graded for its off-chain credit risk.
Live USDai 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
Arbitrum · sUSDai · Matures 15 Oct 2026 · Liquidity pool
Arbitrum · sUSDai · Matures 25 Feb 2027 · Liquidity pool
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The top pick, in detail
Yield position
The US Treasury’s rate on Oct 1. This offer is 2.7 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 USDai rate, and the depth supporting it.
- Rate predicted to fall+1
- Credit-backed dollar (borrower default risk)+2
- Real-world asset (off-chain issuer & redemption risk)+2
How this yield works. A token representing shares of an off-chain fund (Treasury bills, credit or other real-world assets). The yield is the fund's return; issuer, redemption and investor-eligibility limits apply.
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 USDai yield works
- Tokenized fund
A token representing shares of an off-chain fund (Treasury bills, credit or other real-world assets). The yield is the fund's return; issuer, redemption and investor-eligibility limits apply.
- Fixed rate
Lock a fixed yield to maturity. Rate certainty in exchange for a lock-up.
- Liquidity pool
Provide liquidity to a pool and earn fees plus incentives. Impermanent-loss risk on volatile pairs.