Answers · Yield
What interest can I earn by lending stablecoins on Aave, Morpho or Spark right now?
Short answer
100 stablecoin lending markets and vaults (the top 100 by rate) in our data state a yield. The highest right now is Concrete — CTCOLBUSD1 vault (Colb USD1) on Ethereum at 92.34% (variable, DefiLlama 2026-11-11). The range runs from 7.11% (Sentora Curator — PYUSD vault (Sentora PRIME) on Ethereum) to 92.34%. 12 of them can be bought on a DEX without KYC. Yields are variable and not guaranteed.
Lending a stablecoin into a DeFi market earns the interest borrowers pay. Rates move with demand, sometimes daily; none needs KYC. The risk is the protocol and the collateral behind the loans, not a bank.
How this list is made: computed from the live TokenBank dataset each time the page is built — 100 matching rows, each linked to its own page and source.
Figures from our live dataset · data as of 2026-11-11 · this answer as JSON · not investment advice
| Token | Issuer | Yield / return | Minimum | KYC to buy | Chain |
|---|---|---|---|---|---|
| DL-CONCRETE-CTCOLBUSD1-ETHEREUM Concrete — CTCOLBUSD1 vault (Colb USD1) on Ethereum | Concrete (protocol) | 92.34% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-PENDLEV2-SUSDFR-ETHEREUM-7E58 Pendle — PT-sUSDfr-28JAN2027 (fixed rate to 2027-01-28) on Ethereum | Pendle (protocol) | 25.42% (fixed to 2027-01-28, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | No KYC on a DEX | Ethereum |
| DL-PENDLEV2-SUSDFR-ETHEREUM-503C Pendle V2 — SUSDFR vault (For LP | Maturity 28JAN2027) on Ethereum | Pendle V2 (protocol) | 22.25% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-NEUTRALTRADE-USDC-SOLANA-1235 Neutral Trade — USDC vault (Options Market Making) on Solana | Neutral Trade (protocol) | 20.66% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Solana |
| DL-PENDLEV2-REUSDE-ETHEREUM-2C9D Pendle — PT-reUSDe-10DEC2026 (fixed rate to 2026-12-10) on Ethereum | Pendle (protocol) | 18.09% (fixed to 2026-12-10, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | No KYC on a DEX | Ethereum |
| DL-PENDLEV2-REUSDE-ETHEREUM-BFB4 Pendle V2 — REUSDE vault (For LP | Maturity 10DEC2026) on Ethereum | Pendle V2 (protocol) | 16.9% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-PENDLEV2-SUSDX-ETHEREUM-23A7 Pendle — PT-sUSDx-03DEC2026 (fixed rate to 2026-12-03) on Ethereum | Pendle (protocol) | 16.85% (fixed to 2026-12-03, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | No KYC on a DEX | Ethereum |
| DL-PENDLEV2-APYUSD-ETHEREUM-73D6 Pendle V2 — APYUSD vault (For LP | Maturity 11FEB2027) on Ethereum | Pendle V2 (protocol) | 16.21% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-PENDLEV2-SUSDX-ETHEREUM-4984 Pendle V2 — SUSDX vault (For LP | Maturity 03DEC2026) on Ethereum | Pendle V2 (protocol) | 16.15% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-YEARNFINANCE-USDC-BASE Yearn Finance — USDC vault on Base | Yearn Finance (protocol) | 16.14% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Base |
| DL-PENDLEV2-USD3-ETHEREUM-B649 Pendle — PT-USD3-17DEC2026 (fixed rate to 2026-12-17) on Ethereum | Pendle (protocol) | 15.35% (fixed to 2026-12-17, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | No KYC on a DEX | Ethereum |
| DL-ACCOUNTABLE-USDC-MONAD-5935 Accountable — USDC lending (Earn ACC Points) on Monad | Accountable (protocol) | 14.82% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Monad |
| DL-EULERV2-USDC-MONAD Euler V2 — USDC lending (Clearstar Earn USDC) on Monad | Euler V2 (protocol) | 14.67% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Monad |
| DL-PENDLEV2-APYUSD-ETHEREUM-2B92 Pendle — PT-apyUSD-11FEB2027 (fixed rate to 2027-02-11) on Ethereum | Pendle (protocol) | 14.31% (fixed to 2027-02-11, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | No KYC on a DEX | Ethereum |
| DL-3JANELENDING-SUSD3-ETHEREUM 3Jane Lending — SUSD3 lending on Ethereum | 3Jane Lending (protocol) | 14.25% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-CONCRETE-CTDEFIUSDT-ETHEREUM Concrete — CTDEFIUSDT vault (Concrete Decentralized Finance USDT) on Ethereum | Concrete (protocol) | 13.86% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-PENDLEV2-USD3-ETHEREUM-0E59 Pendle V2 — USD3 vault (For LP | Maturity 17DEC2026) on Ethereum | Pendle V2 (protocol) | 13.3% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-UPSHIFT-XUPUSDC-ETHEREUM Upshift — XUPUSDC vault on Ethereum | Upshift (protocol) | 13.15% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-MEZOVAULTS-SMUSD-MEZO Mezo Vaults — SMUSD vault on Mezo | Mezo Vaults (protocol) | 12.79% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Mezo |
| DL-PENDLEV2-USDX-ETHEREUM-B0B3 Pendle — PT-USDx-03DEC2026 (fixed rate to 2026-12-03) on Ethereum | Pendle (protocol) | 12.69% (fixed to 2026-12-03, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | No KYC on a DEX | Ethereum |
| DL-LOOPSCALELENDING-USDINFRA-SOLANA Loopscale Lending — USD.INFRA lending on Solana | Loopscale Lending (protocol) | 12.66% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Solana |
| DL-PENDLEV2-STRUSD-ETHEREUM-5768 Pendle — PT-strUSD-26NOV2026 (fixed rate to 2026-11-26) on Ethereum | Pendle (protocol) | 12.4% (fixed to 2026-11-26, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | No KYC on a DEX | Ethereum |
| DL-ACCOUNTABLE-USDC-ETHEREUM-0E00 Accountable — USDC lending on Ethereum | Accountable (protocol) | 12.13% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-ACCOUNTABLE-USDC-MONAD-D0B9 Accountable — USDC lending on Monad | Accountable (protocol) | 12.01% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Monad |
| DL-PENDLEV2-REUSD-ETHEREUM-7ABA Pendle — PT-reUSD-10DEC2026 (fixed rate to 2026-12-10) on Ethereum | Pendle (protocol) | 11.55% (fixed to 2026-12-10, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | No KYC on a DEX | Ethereum |
| DL-PENDLEV2-STRUSD-MONAD-BB23 Pendle — PT-strUSD-04FEB2027 (fixed rate to 2027-02-04) on Monad | Pendle (protocol) | 11.45% (fixed to 2027-02-04, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | No KYC on a DEX | Monad |
| DL-ACCOUNTABLE-USDC-ETHEREUM-3889 Accountable — USDC lending on Ethereum | Accountable (protocol) | 11.32% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-RESUPPLY-CRVUSD-ETHEREUM-15A3 Resupply — CRVUSD lending (Curvelend - WBTC collateral) on Ethereum | Resupply (protocol) | 10.98% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-PENDLEV2-STRUSD-MONAD-CC3A Pendle V2 — STRUSD vault (For LP | Maturity 04FEB2027) on Monad | Pendle V2 (protocol) | 10.91% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Monad |
| DL-MORPHOBLUE-FCUSDT-ETHEREUM Morpho Blue — FCUSDT lending on Ethereum | Morpho Blue (protocol) | 10.78% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-PENDLEV2-STRUSD-ETHEREUM-6DFC Pendle V2 — STRUSD vault (For LP | Maturity 26NOV2026) on Ethereum | Pendle V2 (protocol) | 10.77% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-ACCOUNTABLE-USDC-MONAD-1A9C Accountable — USDC lending (Earn ACC Points) on Monad | Accountable (protocol) | 10.7% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Monad |
| DL-DOLOMITE-USDC-ETHEREUM Dolomite — USDC lending on Ethereum | Dolomite (protocol) | 10.63% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-PARETOCREDIT-USDC-ETHEREUM-131F Pareto Credit — USDC lending (Bastion) on Ethereum | Pareto Credit (protocol) | 10.59% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-RHEALEND-USDC-NEAR Rhea Lend — USDC lending on Near | Rhea Lend (protocol) | 10.43% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Near |
| DL-CONVEXFINANCE-CRVUSD-ETHEREUM-1C76 Convex Finance — CRVUSD vault (Curve Lend – syrupUSDC collateral) on Ethereum | Convex Finance (protocol) | 10.38% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-MORPHOBLUE-SKYMONEYUSDCRISKCAPITAL-ETHEREUM Morpho Blue — SKYMONEYUSDCRISKCAPITAL lending on Ethereum | Morpho Blue (protocol) | 10.11% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-AGUA-USDC-ETHEREUM Agua — USDC vault (Global Carry Vault) on Ethereum | Agua (protocol) | 10% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-AGUA-USDC-MONAD Agua — USDC vault (Global Carry Vault) on Monad | Agua (protocol) | 10% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Monad |
| DL-GAMILABS-EARNUSDC-STELLAR Gami Labs — EARNUSDC vault (Gami earnUSDC) on Stellar | Gami Labs (protocol) | 10% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Stellar |
| DL-PENDLEV2-SIUSD-ETHEREUM-0757 Pendle — PT-siUSD-07JAN2027 (fixed rate to 2027-01-07) on Ethereum | Pendle (protocol) | 9.84% (fixed to 2027-01-07, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | No KYC on a DEX | Ethereum |
| DL-GAMILABS-GAMIUSDC-ETHEREUM Gami Labs — GAMIUSDC vault (Gami USDC) on Ethereum | Gami Labs (protocol) | 9.67% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-PENDLEV2-REUSD-ETHEREUM-346F Pendle V2 — REUSD vault (For LP | Maturity 10DEC2026) on Ethereum | Pendle V2 (protocol) | 9.4% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-PARETOCREDIT-USDC-ETHEREUM-33C3 Pareto Credit — USDC lending (Adaptive Frontier) on Ethereum | Pareto Credit (protocol) | 9.38% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-MORPHOBLUE-NOONECOUSDC-BASE Morpho Blue — NOONECOUSDC lending on Base | Morpho Blue (protocol) | 9.34% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Base |
| DL-PENDLEV2-SUSDAI-ARBITRUM-0AB4 Pendle V2 — SUSDAI vault (For LP | Maturity 25FEB2027) on Arbitrum | Pendle V2 (protocol) | 9.31% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Arbitrum |
| DL-CONCRETE-CTZIGUSD1-ETHEREUM Concrete — CTZIGUSD1 vault (ZIG USD1) on Ethereum | Concrete (protocol) | 9.23% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-AUTOFINANCE-USDC-BASE AUTOfinance — USDC vault (baseUSD) on Base | AUTOfinance (protocol) | 9.13% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Base |
| DL-LAGOON-GAMIUSDC-ETHEREUM Lagoon — GAMIUSDC vault on Ethereum | Lagoon (protocol) | 9.11% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-UPSHIFT-UPUSDC-ETHEREUM Upshift — UPUSDC vault on Ethereum | Upshift (protocol) | 9.09% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-PENDLEV2-SUSDAI-ARBITRUM-B44D Pendle — PT-sUSDai-25FEB2027 (fixed rate to 2027-02-25) on Arbitrum | Pendle (protocol) | 9.04% (fixed to 2027-02-25, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | No KYC on a DEX | Arbitrum |
| DL-MORPHOBLUE-GPYUSDSE-STABLE Morpho Blue — GPYUSDSE lending on Stable | Morpho Blue (protocol) | 9.01% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Stable |
| DL-LAGOON-9SUSDC-ETHEREUM Lagoon — 9SUSDC vault on Ethereum | Lagoon (protocol) | 9% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-SUPERFORM-SUPERUSDC-ETHEREUM Superform — SUPERUSDC vault (SuperVault) on Ethereum | Superform (protocol) | 8.82% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-PENDLEV2-SIUSD-ETHEREUM-562F Pendle V2 — SIUSD vault (For LP | Maturity 07JAN2027) on Ethereum | Pendle V2 (protocol) | 8.76% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-VECTISFINANCE-USDC-SOLANA Vectis Finance — USDC vault (UltraX Arb V2) on Solana | Vectis Finance (protocol) | 8.49% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Solana |
| DL-DOLOMITE-USD1-ETHEREUM Dolomite — USD1 lending on Ethereum | Dolomite (protocol) | 8.39% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-RHEALEND-USDT-NEAR Rhea Lend — USDT lending on Near | Rhea Lend (protocol) | 8.36% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Near |
| DL-MORPHOBLUE-HYPERUSDCA-MONAD Morpho Blue — HYPERUSDCA lending on Monad | Morpho Blue (protocol) | 8.32% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Monad |
| DL-MORPHOBLUE-M1USDC-ETHEREUM Morpho Blue — M1USDC lending on Ethereum | Morpho Blue (protocol) | 8.31% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-KAMINOLEND-USDC-SOLANA-0BA9 Kamino Lend — USDC lending (Plume x Re7 USDC) on Solana | Kamino Lend (protocol) | 8.27% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Solana |
| DL-STEAKHOUSEFINANCIAL-HIGHYIELDTERMAUSD-ETHEREUM Steakhouse Financial — HIGHYIELDTERMAUSD vault on Ethereum | Steakhouse Financial (protocol) | 8.22% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-MORPHOBLUE-Y10KAUSD-MONAD Morpho Blue — Y10KAUSD lending on Monad | Morpho Blue (protocol) | 8.17% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Monad |
| DL-MORPHOBLUE-RESERVOIRUSDC-ETHEREUM Morpho Blue — RESERVOIRUSDC lending on Ethereum | Morpho Blue (protocol) | 8.12% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-STRATAMARKETS-SRUSDAT-ETHEREUM Strata Markets — SRUSDAT vault (fixed-rate) on Ethereum | Strata Markets (protocol) | 8.11% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-PARETOCREDIT-USDC-ETHEREUM-2EB2 Pareto Credit — USDC lending (FalconX) on Ethereum | Pareto Credit (protocol) | 8.07% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-YUZUMONEY-SYZUSD-MONAD Yuzu Money — SYZUSD vault on Monad | Yuzu Money (protocol) | 8.06% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Monad |
| DL-YUZUMONEY-SYZUSD-PLASMA Yuzu Money — SYZUSD vault on Plasma | Yuzu Money (protocol) | 8.06% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Plasma |
| DL-YUZUMONEY-SYZUSD-SEI Yuzu Money — SYZUSD vault on Sei | Yuzu Money (protocol) | 8.06% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Sei |
| DL-MORPHOBLUE-ROXCUSDC-ETHEREUM Morpho Blue — ROXCUSDC lending on Ethereum | Morpho Blue (protocol) | 8.05% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-MORPHOBLUE-AUGUSTUSDCV2-MONAD Morpho Blue — AUGUSTUSDCV2 lending on Monad | Morpho Blue (protocol) | 8.03% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Monad |
| DL-SKYLENDING-STUSDS-ETHEREUM Sky Lending — STUSDS lending (Expert Mode) on Ethereum | Sky Lending (protocol) | 7.98% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-MORPHOBLUE-FEUSDCV2-HYPERLIQUIDL1 Morpho Blue — FEUSDCV2 lending on Hyperliquid L1 | Morpho Blue (protocol) | 7.92% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Hyperliquid L1 |
| DL-MORPHOBLUE-ROXUSDCY-ETHEREUM Morpho Blue — ROXUSDCY lending on Ethereum | Morpho Blue (protocol) | 7.87% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-PENDLEV2-SUSDE-MONAD-9ED8 Pendle V2 — SUSDE vault (For LP | Maturity 28JAN2027) on Monad | Pendle V2 (protocol) | 7.85% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Monad |
| DL-KAMINOLEND-USDG-SOLANA-C21A Kamino Lend — USDG lending (Steakhouse USDG High Yield) on Solana | Kamino Lend (protocol) | 7.83% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Solana |
| DL-ACCOUNTABLE-AUSD-MONAD-06C8 Accountable — AUSD lending on Monad | Accountable (protocol) | 7.8% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Monad |
| DL-LAGOON-TULIPAUSDC-ETHEREUM Lagoon — TULIPAUSDC vault on Ethereum | Lagoon (protocol) | 7.8% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-KAMINOLEND-USDC-SOLANA-6D68 Kamino Lend — USDC lending (Kamino Institutional Commodity Yield) on Solana | Kamino Lend (protocol) | 7.78% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Solana |
| DL-MORPHOBLUE-PENDLEUSDCHY-ETHEREUM Morpho Blue — PENDLEUSDCHY lending on Ethereum | Morpho Blue (protocol) | 7.78% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-AVANTAVUSD-SAVUSD-AVALANCHE Avant avUSD — SAVUSD vault (ERC-4626: savUSD → avUSD) on Avalanche | Avant avUSD (protocol) | 7.67% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Avalanche |
| DL-MORPHOBLUE-SATUSDC-MONAD Morpho Blue — SATUSDC lending on Monad | Morpho Blue (protocol) | 7.67% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Monad |
| DL-MAKINA-USDSHFMK-ETHEREUM Makina — USDSHFMK vault (Steakhouse USD Machine) on Ethereum | Makina (protocol) | 7.64% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-KAMINOLEND-USDC-SOLANA-513E Kamino Lend — USDC lending (Kamino Institutional USDC) on Solana | Kamino Lend (protocol) | 7.6% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Solana |
| DL-PENDLEV2-AUSD-MONAD-E762 Pendle V2 — AUSD vault (For LP | Maturity 17DEC2026) on Monad | Pendle V2 (protocol) | 7.6% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Monad |
| DL-LISTALENDING-USDC-BSC Lista Lending — USDC lending on BSC | Lista Lending (protocol) | 7.59% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | BSC |
| DL-LAGOON-SYNUSD-ETHEREUM Lagoon — SYNUSD+ vault on Ethereum | Lagoon (protocol) | 7.57% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-PENDLEV2-USDAT-ETHEREUM-C359 Pendle — PT-USDat-14JAN2027 (fixed rate to 2027-01-14) on Ethereum | Pendle (protocol) | 7.55% (fixed to 2027-01-14, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | No KYC on a DEX | Ethereum |
| DL-NEUTRALTRADE-USDC-SOLANA-D6B2 Neutral Trade — USDC vault (Neutral Autopilot) on Solana | Neutral Trade (protocol) | 7.54% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Solana |
| DL-SENTORACURATOR-USDC-ETHEREUM Sentora Curator — USDC vault (Sentora USD) on Ethereum | Sentora Curator (protocol) | 7.54% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-ACCOUNTABLE-USDC-MONAD-313B Accountable — USDC lending (Earn ACC Points) on Monad | Accountable (protocol) | 7.49% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Monad |
| DL-BENQILENDING-USDC-AVALANCHE Benqi Lending — USDC lending on Avalanche | Benqi Lending (protocol) | 7.4% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Avalanche |
| DL-FLUIDLENDING-GHO-PLASMA Fluid Lending — GHO lending on Plasma | Fluid Lending (protocol) | 7.4% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Plasma |
| DL-MORPHOBLUE-KABUUSDC-ETHEREUM Morpho Blue — KABUUSDC lending on Ethereum | Morpho Blue (protocol) | 7.4% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-FLUIDLITE-USDC-ETHEREUM Fluid Lite — USDC vault on Ethereum | Fluid Lite (protocol) | 7.38% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-MORPHOBLUE-APYXUSDC-ETHEREUM Morpho Blue — APYXUSDC lending on Ethereum | Morpho Blue (protocol) | 7.36% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-MORPHOBLUE-BBQUSDG-ARBITRUM Morpho Blue — BBQUSDG lending on Arbitrum | Morpho Blue (protocol) | 7.2% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Arbitrum |
| DL-MORPHOBLUE-GTUSDGP-ARBITRUM Morpho Blue — GTUSDGP lending on Arbitrum | Morpho Blue (protocol) | 7.19% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Arbitrum |
| DL-ACCOUNTABLE-AUSD-MONAD-6E69 Accountable — AUSD lending on Monad | Accountable (protocol) | 7.14% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Monad |
| DL-SENTORACURATOR-PYUSD-ETHEREUM Sentora Curator — PYUSD vault (Sentora PRIME) on Ethereum | Sentora Curator (protocol) | 7.11% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
How to choose
These rates float with borrowing demand and can halve or double within days, so any ranking is a snapshot. The risk sits in the protocol’s smart contracts and in the collateral behind the loans; larger, older markets have survived more stress. Supplied funds can usually be withdrawn at any time — but only while enough of the pool is not lent out, so at very high utilisation withdrawals can have to wait.
More questions
Which of them can I buy without KYC?
12 of 100 can be bought on a DEX without identity verification. For the rest, the source does not state the secondary-market gate.
Where does the yield of the top five come from?
DL-CONCRETE-CTCOLBUSD1-ETHEREUM: Vault strategy (mostly lending). DL-PENDLEV2-SUSDFR-ETHEREUM-7E58: Discount to face value — the yield SUSDFR earns until maturity, sold upfront. DL-PENDLEV2-SUSDFR-ETHEREUM-503C: Vault strategy (mostly lending). DL-NEUTRALTRADE-USDC-SOLANA-1235: Vault strategy (mostly lending). DL-PENDLEV2-REUSDE-ETHEREUM-2C9D: Discount to face value — the yield REUSDE earns until maturity, sold upfront.
Which is the largest?
By size, DL-SKYLENDING-STUSDS-ETHEREUM at $162M, followed by DL-PARETOCREDIT-USDC-ETHEREUM-2EB2 at $144M and DL-SENTORACURATOR-USDC-ETHEREUM at $113M. Size is not safety, but a larger product usually means a deeper market to sell into.
Are these yields fixed?
88 of 100 are variable: the rate moves with markets and is not guaranteed. The figures on this page were last checked on 2026-11-11.
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