Recent annual rates range from 0.15% to 60.4% across 51 platforms. APR and APY use different compounding conventions; check the labels in the table.
The US Treasury’s rate on Sep 25. This offer is 1.5 percentage points above it. Tokenized Treasury funds in our feed report a median of about 3.31% across 9 products. Similar yields do not imply similar risks. Fees, custody and redemption terms differ.
How the benchmark is sourcedThe risk behind the top USDT rate, and the depth supporting it.
How this yield works. Stake to cover a protocol's losses (bad debt or insurance claims) in return for a premium. Your deposit is first in line to be cut when a loss occurs, and withdrawals usually wait out a cooldown.
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.
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.
Each Earn link opens the platform’s own page. How we stay neutral.
Stake to cover a protocol's losses (bad debt or insurance claims) in return for a premium. Your deposit is first in line to be cut when a loss occurs, and withdrawals usually wait out a cooldown.
Supply the asset to an on-chain money market and earn borrower interest. Non-custodial; smart-contract risk.
Deposit a stablecoin in its issuer's savings contract and earn a rate the protocol sets and pays from its own revenue (borrower fees, reserve yield). Withdrawals do not wait on borrowers, but governance can change the rate at any time.
An automated strategy that compounds yield on your behalf. Non-custodial; strategy and contract risk.
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.
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.
Provide liquidity to a pool and earn fees plus incentives. Impermanent-loss risk on volatile pairs.
A custodial earn account at a centralized platform. Convenient; counterparty and custody risk.
A synthetic-dollar or basis strategy: yield comes from perpetual-funding and staking, not lending. Funding-rate, negative-carry and de-peg risk.
Not sure which route fits? Tell us your asset and risk and BitcoinYield will rank it.
