Stablecoins are cryptocurrencies pegged to the dollar that let you earn yields without exposure to crypto price volatility. APYData compares the best APY on USDC, USDT, USDS and other stablecoins, in both DeFi protocols (Aave, Morpho, Fluid, Sky) and CeFi platforms (Binance, Maple Finance, Euler). An ideal product for generating dollar-denominated returns.
| # | Entity | Product | APY | Score | Risk | Liquidity | View |
|---|---|---|---|---|---|---|---|
| 1 |
Morpho
|
Gauntlet USDC Prime (Base) | 5.66% | 3.0 | High | Instant | View → |
| 2 |
Morpho
|
Morpho Steakhouse USDC (Base) | 5.36% | 4.0 | Medium | Instant | View → |
| 3 |
Fluid
|
Fluid — USDC Supply (Ethereum) | 5.32% | 4.0 | Medium | Instant | View → |
| 4 |
Moonwell
|
Moonwell — USDC Supply (Base) | 5.03% | 3.9 | Medium | Instant | View → |
| 5 |
Binance
|
Binance USDC Savings Flexible | 5.00% | 5.2 | Low | Instant | View → |
| 6 |
Fluid
|
Fluid — USDC Supply (Arbitrum) | 4.95% | 3.9 | Medium | Instant | View → |
| 7 |
Morpho
|
Superstate PYUSD Main (Ethereum) | 4.78% | 2.9 | High | Instant | View → |
| 8 |
Maple Finance
|
Maple USDC Lending | 4.77% | 2.9 | Medium | Varies | View → |
| 9 |
Fluid
|
Fluid — USDT Supply (Ethereum) | 4.46% | 3.9 | Medium | Instant | View → |
| 10 |
Maple Finance
|
Maple USDT Lending | 4.38% | 2.8 | Medium | Varies | View → |
| 11 |
Euler
|
Euler v2 PYUSD Lending (Ethereum) | 4.01% | 2.8 | High | Instant | View → |
| 12 |
Binance
|
Binance USDT Savings Flexible | 4.00% | 5.0 | Low | Instant | View → |
| 13 |
Jupiter
|
Jupiter Lend USDC | 3.79% | 3.8 | Medium | Instant | View → |
| 14 |
Spark
|
SparkLend Supply USDS | 3.68% | 3.8 | Medium | Instant | View → |
| 15 |
Sky
|
Sky Savings sUSDS | 3.60% | 3.7 | Medium | Instant | View → |
| 16 |
Spark
|
Spark Savings USDC | 3.60% | 3.7 | Medium | Instant | View → |
| 17 |
Sky
|
Sky Savings sUSDS (Arbitrum) | 3.60% | 3.7 | Medium | Instant | View → |
| 18 |
Ondo Finance
|
Ondo USDY (Tokenized Treasuries) | 3.55% | 4.0 | Low | Varies | View → |
| 19 |
Aave
|
Aave v3 Staked GHO (sGHO) | 3.26% | 3.7 | Medium | Instant | View → |
| 20 |
Compound
|
Compound V3 — USDC (Ethereum) | 3.23% | 4.9 | Low | Instant | View → |
Stablecoins are cryptocurrencies pegged to the US dollar. The most widely used — USDC, USDT and USDS — combine dollar stability with the ability to earn yield on DeFi protocols or CeFi platforms.
Yields come from real loan demand: traders and protocols that need stablecoin liquidity pay interest to depositors. Unlike tokens with artificially high APYs, stablecoin yields are backed by real market demand.
DeFi (Aave, Morpho, Fluid, Euler): you control your assets via your own wallet. Higher APY and no centralised counterparty risk, but requires technical knowledge.
CeFi (Binance, Maple Finance): the platform holds your assets. Simpler interface, more accessible for beginners.
The best European bank deposits offer up to 3.5% APY with DGS guarantee (up to €100,000). Stablecoins offer between 3.75% and 6.7%, but without deposit guarantee. The yield difference compensates for the additional risk.
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