TokenBank 繁體中文 · 高收益代幣
目前收益率最高的代幣有哪些？
重點
我們的資料中有44個列明收益率的代幣，排名前列的是reUSDe（11.8%）、ONyc（11.02%）、REENTAL（10%）。最高為reUSDe（Re Protocol）的11.8%，整體中位數3.8%。收益率每日變動，越高通常風險越大；以美元計價的還要承擔港元或新台幣兌美元的匯率風險。
這裡把列明收益率的代幣由高至低排列。高收益率幾乎一定代表較高風險：借款人違約、獎勵代幣貶值、智能合約漏洞、流動性不足等。收益率會變動，所列數值只是過去或目前的水平，並不代表將來。
資料日期 2026-11-09 · 非投資建議。誰可以購買由發行人決定。 · English
| 代幣 | 發行人 | 收益率 | 最低投資額 | 區塊鏈 | 狀態 |
|---|---|---|---|---|---|
| Re Protocol reUSDe (mezzanine reinsurance tranche) reUSDe | Re Protocol (Resilience (BVI) Ltd; underwriting Cover Reinsurance SPC, Cayman, CIMA) | ~11.8% (Re app, 2026-10-28) checked 28 Oct 2026 | 沒有最低金額 | Ethereum / Berachain | 存續中 |
| OnRe ONyc (tokenized reinsurance, Solana) ONyc | OnRe (OnRe SAC Ltd, Bermuda, BMA) | ~11.0% (estimated, onre.finance, 2026-10-28) checked 28 Oct 2026 | 沒有最低金額 | Solana | 存續中 |
| Reental (tokenized EU real estate) REENTAL | Reental | 10-12% (projected annual rental return, per project) checked 19 Oct 2026 | €500 / project | Ethereum | 存續中 |
| RealT (tokenized US rental real estate) REALT | RealToken | Payouts suspended (stated median rent 9.82%) checked 12 Oct 2026 | ~$50 每枚代幣 | Gnosis Chain / Ethereum | 存續中 |
| Nexo Earn (Stablecoins) NEXO-EARN | Nexo | Up to 9.5% on USDT / 8.5% on USDC (by tier and region) checked 19 Oct 2026 | 沒有最低金額 | Custodial (in-app) | 存續中 |
| Hamilton Lane SCOPE (tokenized) SCOPE | Hamilton Lane / Securitize | 8.78% annualized since inception (I-USD, total return, to 31 Aug 2026) checked 19 Oct 2026 | Via Securitize (lowered vs. TradFi minimums) | Polygon / Ethereum | 存續中 |
| Apollo Diversified Credit Fund (tokenized) ACRED | Apollo / Securitize | ~6.93% (target, 浮動) checked 9 Nov 2026 | Qualified investors via Securitize | Ethereum / Solana / Polygon (+) | 存續中 |
| Re Protocol reUSD (senior reinsurance tranche) reUSD | Re Protocol (Resilience (BVI) Ltd; underwriting Cover Reinsurance SPC, Cayman, CIMA) | ~6.8% (Re app, 2026-10-28) checked 28 Oct 2026 | 沒有最低金額 | Ethereum / Solana / Base / Arbitrum / Avalanche and more | 存續中 |
| usd.ai (staked) sUSDai | usd.ai | ~6.77% (浮動) checked 9 Nov 2026 | 沒有最低金額 | Arbitrum | 存續中 |
| Curve Savings crvUSD scrvUSD | Curve Finance | ~5.83% (浮動) checked 9 Nov 2026 | 沒有最低金額 | Ethereum | 存續中 |
| Janus Henderson Anemoy AAA CLO Fund JAAA | Janus Henderson (Centrifuge / Anemoy) | ~5.8% (stated by Anemoy, undated) checked 19 Oct 2026 | 沒有最低金額 (deJAAA) | Ethereum / Base / Solana (deJAAA) | 存續中 |
| Marinade Staked SOL mSOL | Marinade | ~5.47% (in SOL) checked 9 Nov 2026 | 沒有最低金額 | Solana | 存續中 |
| Staked Frax USD sfrxUSD | Frax Finance | ~5.3% (~4-5%) checked 9 Nov 2026 | 沒有最低金額 | Ethereum / Fraxtal | 存續中 |
| Maple Syrup USDC syrupUSDC | Maple Finance | ~5.08% checked 9 Nov 2026 | 沒有最低金額 | Ethereum / Solana / Base | 存續中 |
| Ethena Staked USDe sUSDe | Ethena Labs | ~5.0% (浮動) checked 9 Nov 2026 | 沒有最低金額 | Ethereum (+L2) | 存續中 |
| Jito Staked SOL jitoSOL | Jito | ~4.83% (in SOL, incl. MEV) checked 9 Nov 2026 | 沒有最低金額 | Solana | 存續中 |
| Usual USD0++ USD0++ | Usual | ~4.47% (T-bill base + USUAL rewards) checked 9 Nov 2026 | 沒有最低金額 | Ethereum | 存續中 |
| Figure YLDS YLDS | Figure Markets | ~4% (SOFR-linked) checked 23 Jul 2026 · over 30 days old | 沒有最低金額 | Provenance / Ethereum | 存續中 |
| Jupiter Lend (USDC) JUP-LEND | Jupiter (protocol) | ~4% (浮動) checked 23 Jul 2026 · over 30 days old | 沒有最低金額 | Solana | 存續中 |
| JustLend USDD (Tron) USDD-JL | JustLend DAO (Tron) | ~4% (浮動) checked 23 Jul 2026 · over 30 days old | 沒有最低金額 | Tron | 存續中 |
| BlackRock USD Institutional Digital Liquidity Fund BUIDL | BlackRock / Securitize | ~3.84% checked 9 Nov 2026 | $5M (機構) | Ethereum (+8) | 存續中 |
| Spiko US T-Bills Money Market Fund USTBL | Spiko (SICAV, France) | 3.82% (net of fees, last 31 days) checked 19 Oct 2026 | €1 (≈$1,000 實際約) | Stellar / Ethereum | 存續中 |
| Sky Savings Token sUSDS | Sky (MakerDAO) | ~3.8% checked 9 Nov 2026 | 沒有最低金額 | Ethereum (+Solana, Base) | 存續中 |
| Ondo US Dollar Yield USDY | Ondo Finance | ~3.75% checked 9 Nov 2026 | ~$50 (次級市場) | Ethereum / Solana (+10) | 存續中 |
| Coinbase USDC Rewards CB-USDC | Coinbase | ~3.75% (Coinbase One members; varies by region and membership) checked 19 Oct 2026 | 沒有最低金額 | Custodial (in-app) | 存續中 |
| Franklin OnChain US Government Money Fund BENJI | Franklin Templeton | 3.73% (7-day current yield, 30 Sep 2026) checked 19 Oct 2026 | 低 (Benji app) | Stellar / Base / Ethereum | 存續中 |
| Aave USDC Lending AAVE-USDC | Aave (protocol) | ~3.7% (浮動) checked 9 Nov 2026 | 沒有最低金額 | Ethereum (+many L2s) | 存續中 |
| Falcon USDf (staked) sUSDf | Falcon Finance | ~3.66% (浮動) checked 9 Nov 2026 | 沒有最低金額 | Ethereum | 存續中 |
| Spark Savings SPARK | Spark (Sky ecosystem) | ~3.6% (浮動) checked 23 Jul 2026 · over 30 days old | 沒有最低金額 | Ethereum / Arbitrum / Base | 存續中 |
| Janus Henderson Anemoy Treasury Fund JTRSY | Anemoy / Janus Henderson (Centrifuge) | ~3.59% checked 25 Aug 2026 · over 30 days old | $500,000 (機構) | Ethereum (+6) | 存續中 |
| Morpho Vaults (USDC) MORPHO | Morpho (vaults by curators) | ~3.5-5% (net, largest USDC vaults; 浮動) checked 19 Oct 2026 | 沒有最低金額 | Ethereum / Base (+) | 存續中 |
| Ondo Short-Term US Government Treasuries OUSG | Ondo Finance | ~3.5% checked 9 Nov 2026 | $5,000 | Ethereum / Solana / Polygon | 存續中 |
| WisdomTree Treasury Money Market Digital Fund WTGXX | WisdomTree | ~3.5% date not stated | 低 (app-based) | Stellar / Ethereum (share records) | 存續中 |
| OpenEden TBILL TBILL | OpenEden | ~3.45% (T-bill level) checked 9 Nov 2026 | KYC onboarding; verify current minimum | Ethereum / Arbitrum | 存續中 |
| Midas mTBILL mTBILL | Midas | ~3.42% (tracks T-bills) checked 18 Oct 2026 | 沒有最低金額 | Ethereum (+L2s, Algorand) | 存續中 |
| Superstate Short Duration US Government Securities Fund USTB | Superstate / Invesco | ~3.35% (T-bill level) checked 9 Nov 2026 | Qualified purchasers (high) | Ethereum / Solana | 存續中 |
| Circle USYC USYC | Circle (Hashnote Intl. Short Duration Yield Fund) | ~3.29% (T-bill level) checked 9 Nov 2026 | 機構 channels | Ethereum / Solana / Canton / Sui | 存續中 |
| Centrifuge RWA Vaults CENTRIFUGE | Centrifuge (vaults per manager) | ~3-6% (per vault, 浮動) checked 23 Jul 2026 · over 30 days old | 沒有最低金額 | Ethereum / Avalanche (+) | 存續中 |
| ether.fi Staked ETH weETH | ether.fi | ~2.97% (in ETH + restaking) checked 9 Nov 2026 | 沒有最低金額 | Ethereum (+L2s) | 存續中 |
| Spiko EU T-Bills Money Market Fund EUTBL | Spiko (SICAV, France) | 2.41% (net of fees, last 31 days) checked 19 Oct 2026 | €1 (≈€1,000 實際約) | Stellar / Ethereum / Base | 存續中 |
| Coinbase Wrapped Staked ETH cbETH | Coinbase | ~2.28% (in ETH, after fee) checked 9 Nov 2026 | 沒有最低金額 | Ethereum / Base | 存續中 |
| Lido Staked ETH stETH | Lido DAO | ~2.25% (in ETH) checked 9 Nov 2026 | 沒有最低金額 (any amount of ETH) | Ethereum (+L2s) | 存續中 |
| Rocket Pool Staked ETH rETH | Rocket Pool | ~1.93% (in ETH) checked 9 Nov 2026 | 起 ~0.01 ETH | Ethereum (+L2s) | 存續中 |
| Savings DAI sDAI | Sky (MakerDAO) | ~1.25% checked 9 Nov 2026 | 沒有最低金額 | Ethereum (+Gnosis, L2) | 存續中 |
常見問題
收益率特別高的代幣可信嗎？
極高的收益率大多來自暫時性的獎勵代幣補貼，或反映借款人、抵押品、合約的較高風險。應先弄清收益從何而來。
列出的收益率是固定的嗎？
不是。大部分是浮動收益率，會隨市況和發行人的運作而改變，並無保證。
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