EdmundDigital asset yields
What stablecoins, tokenized Treasuries, staked ETH and other digital assets pay today, on the largest platforms, next to what dividend companies pay.
2.73%Median dividend yield of the companies in Edmund
3.64%Tokenized US Treasuries: the on-chain "risk-free" rate
3.98%Stablecoin lending, average
Not a savings account. These yields have no deposit insurance. You can lose money through a hack or software bug, a stablecoin that loses its $1 value, or a platform that fails. A dividend can be cut, but you still own a share of a real company. Most children's accounts cannot hold crypto. Edmund holds no positions and earns nothing from these platforms.
Tap a category to show only its table.
Tokenized US Treasuries 3.64% average
The on-chain risk-free rate. 15 pools, $8.8bn in total. The table shows the largest 12.
| Platform | Asset | Yield now | 30-day avg | Pool size | Edmund's rules | Main risk | |
|---|---|---|---|---|---|---|---|
| Circle USYC RWA |
USYC BSC |
3.62% | 3.31% | $2.3bn | 4/4 ✓ | Issuer, legal and access risk | DefiLlama ↗ |
| Ondo Yield Assets RWA |
USDY Ethereum |
3.71% | 3.63% | $1.3bn | 3/3 ✓ | Issuer, legal and access risk | DefiLlama ↗ |
| BlackRock BUIDL RWA |
BUIDL Aptos |
3.49% | 3.36% | $968M | 5/5 ✓ | Issuer, legal and access risk | DefiLlama ↗ |
| BlackRock BUIDL RWA |
BUIDL Solana |
3.80% | 3.66% | $886M | 5/5 ✓ | Issuer, legal and access risk | DefiLlama ↗ |
| Invesco USTB RWA |
USTB Ethereum |
3.83% | 3.57% | $584M | 4/5 | Issuer, legal and access risk | DefiLlama ↗ |
| Ondo Yield Assets RWA |
USDY Stellar |
3.71% | 3.63% | $538M | 3/3 ✓ | Issuer, legal and access risk | DefiLlama ↗ |
| BlackRock BUIDL RWA |
BUIDL Avalanche |
3.80% | 3.66% | $482M | 5/5 ✓ | Issuer, legal and access risk | DefiLlama ↗ |
| Centrifuge Protocol RWA |
USDS Ethereum |
2.60% | 3.58% | $327M | 4/5 | Issuer, legal and access risk | DefiLlama ↗ |
| Ondo Yield Assets RWA |
USDY Sei |
3.71% | 3.63% | $260M | 3/3 ✓ | Issuer, legal and access risk | DefiLlama ↗ |
| BlackRock BUIDL RWA |
BUIDL Ethereum |
3.83% | 3.69% | $248M | 5/5 ✓ | Issuer, legal and access risk | DefiLlama ↗ |
| BlackRock BUIDL RWA |
BUIDL Ethereum |
3.49% | 3.36% | $196M | 5/5 ✓ | Issuer, legal and access risk | DefiLlama ↗ |
| Ondo Yield Assets RWA |
OUSG XRPL |
3.91% | 3.58% | $185M | 3/3 ✓ | Issuer, legal and access risk | DefiLlama ↗ |
Stablecoins 3.98% average
Savings and lending on platforms above $1bn. 127 pools, $26.1bn in total. The table shows the largest 16.
| Platform | Asset | Yield now | 30-day avg | Pool size | Edmund's rules | Main risk | |
|---|---|---|---|---|---|---|---|
| Sky Lending CDP |
SUSDS Ethereum |
3.80% | 3.69% | $4.8bn | 6/6 ✓ | Collateral and smart-contract risk | DefiLlama ↗ |
| Maple Lending |
USDC Ethereum |
5.10% | 5.19% | $2.8bn | 6/6 ✓ | Borrower default and smart-contract risk | DefiLlama ↗ |
| Ethena USDe Basis Trading |
SUSDE Ethereum |
4.79% | 4.93% | $1.2bn | 7/7 ✓ | Strategy, exchange and funding-rate risk | DefiLlama ↗ |
| Maple Lending |
USDT Ethereum |
5.34% | 5.28% | $745M | 6/6 ✓ | Borrower default and smart-contract risk | DefiLlama ↗ |
| Spark Savings Yield |
USDT Ethereum |
3.75% | 3.63% | $663M | 6/7 | Smart-contract and strategy risk | DefiLlama ↗ |
| Aave V3 Lending |
USDE Plasma |
0.25% | 0.30% | $579M | 7/7 ✓ | Borrower default and smart-contract risk | DefiLlama ↗ |
| Maple Lending |
USDG Ethereum |
4.80% | 4.99% | $576M | 6/6 ✓ | Borrower default and smart-contract risk | DefiLlama ↗ |
| SparkLend Lending |
USDS Ethereum |
3.99% — base + 3.99% reward |
4.53% | $559M | 6/7 | Borrower default and smart-contract risk | DefiLlama ↗ |
| Morpho Blue Lending |
STEAKUSDG Robinhood Chain |
6.89% 3.79% base + 3.11% reward |
7.05% | $536M | 5/6 | Borrower default and smart-contract risk | DefiLlama ↗ |
| Jupiter Lend Lending |
USDC Solana |
5.69% | 6.13% | $487M | 6/7 | Borrower default and smart-contract risk | DefiLlama ↗ |
| Morpho Blue Lending |
SENRLUSDV2 Ethereum |
5.39% 2.80% base + 2.59% reward |
6.20% | $486M | 6/7 | Borrower default and smart-contract risk | DefiLlama ↗ |
| Morpho Blue Lending |
SIRLOINUSDC Base |
5.73% 3.10% base + 2.63% reward |
5.72% | $471M | 6/7 | Borrower default and smart-contract risk | DefiLlama ↗ |
| Aave V3 Lending |
USDT Ethereum |
3.11% | 3.83% | $436M | 7/7 ✓ | Borrower default and smart-contract risk | DefiLlama ↗ |
| JustLend V1 Lending |
USDD Tron |
4.04% 0.00% base + 4.04% reward |
4.00% | $417M | 5/6 | Borrower default and smart-contract risk | DefiLlama ↗ |
| Morpho Blue Lending |
GTUSDCP Base |
4.61% | 4.52% | $413M | 7/7 ✓ | Borrower default and smart-contract risk | DefiLlama ↗ |
| Morpho Blue Lending |
SPARKUSDC Base |
4.14% | 4.06% | $410M | 7/7 ✓ | Borrower default and smart-contract risk | DefiLlama ↗ |
Staked ETH 2.22% average
Paid in ETH. The price of ETH moves. 8 pools, $40.6bn in total. The table shows the largest 8.
| Platform | Asset | Yield now | 30-day avg | Pool size | Edmund's rules | Main risk | |
|---|---|---|---|---|---|---|---|
| Lido Liquid Staking |
STETH Ethereum |
2.23% | 2.24% | $23.6bn | 5/5 ✓ | Slashing, smart-contract and token price risk | DefiLlama ↗ |
| Binance staked ETH Liquid Staking |
WBETH Ethereum |
2.24% | 2.23% | $8.6bn | 6/6 ✓ | Slashing, smart-contract and token price risk | DefiLlama ↗ |
| ether.fi Stake Liquid Staking |
WEETH Ethereum |
2.27% | 2.29% | $5.4bn | 5/6 | Slashing, smart-contract and token price risk | DefiLlama ↗ |
| Rocket Pool Liquid Staking |
RETH Ethereum |
1.86% | 2.13% | $1.3bn | 6/6 ✓ | Slashing, smart-contract and token price risk | DefiLlama ↗ |
| Kelp Liquid Restaking |
RSETH Ethereum |
2.21% | 2.32% | $980M | 6/6 ✓ | Slashing, restaking and smart-contract risk | DefiLlama ↗ |
| Binance staked ETH Liquid Staking |
WBETH BSC |
2.24% | 2.23% | $519M | 6/6 ✓ | Slashing, smart-contract and token price risk | DefiLlama ↗ |
| ether.fi Stake Liquid Staking |
WEETH Linea |
2.27% | 2.29% | $183M | 5/6 | Slashing, smart-contract and token price risk | DefiLlama ↗ |
| ether.fi Stake Liquid Staking |
WEETH Base |
2.27% | 2.29% | $51M | 5/6 | Slashing, smart-contract and token price risk | DefiLlama ↗ |
ETH lent 0.71% average
Plain ETH supplied to lending markets. 15 pools, $3.3bn in total. The table shows the largest 12.
| Platform | Asset | Yield now | 30-day avg | Pool size | Edmund's rules | Main risk | |
|---|---|---|---|---|---|---|---|
| JustLend V1 Lending |
ETH Tron |
0.00% | 0.00% | $1.2bn | 5/5 ✓ | Borrower default and smart-contract risk | DefiLlama ↗ |
| Aave V3 Lending |
WETH Ethereum |
1.31% | 1.39% | $977M | 6/6 ✓ | Borrower default and smart-contract risk | DefiLlama ↗ |
| SparkLend Lending |
WETH Ethereum |
1.36% | 1.44% | $350M | 6/6 ✓ | Borrower default and smart-contract risk | DefiLlama ↗ |
| Morpho Blue Lending |
WETH Base |
0.00% | 0.00% | $201M | 6/6 ✓ | Borrower default and smart-contract risk | DefiLlama ↗ |
| Compound V3 Lending |
WETH Ethereum |
0.00% | 0.00% | $152M | 6/6 ✓ | Borrower default and smart-contract risk | DefiLlama ↗ |
| Compound V3 Lending |
WETH Ethereum |
0.00% | 0.00% | $93M | 6/6 ✓ | Borrower default and smart-contract risk | DefiLlama ↗ |
| Fluid Lending Lending |
ETH Ethereum |
1.81% | 1.89% | $60M | 6/6 ✓ | Borrower default and smart-contract risk | DefiLlama ↗ |
| Fluid Lending Lending |
ETH Ethereum |
1.81% | 1.89% | $58M | 6/6 ✓ | Borrower default and smart-contract risk | DefiLlama ↗ |
| Compound V2 Lending |
WETH Ethereum |
0.00% | 0.00% | $53M | 5/5 ✓ | Borrower default and smart-contract risk | DefiLlama ↗ |
| Aave V3 Lending |
WETH Base |
3.35% 1.40% base + 1.95% reward |
2.81% | $44M | 4/6 | Borrower default and smart-contract risk | DefiLlama ↗ |
| Compound V3 Lending |
ETH Ethereum |
1.50% | 1.41% | $31M | 5/6 | Borrower default and smart-contract risk | DefiLlama ↗ |
| Aave V3 Lending |
WETH Arbitrum |
0.94% | 1.01% | $31M | 5/6 | Borrower default and smart-contract risk | DefiLlama ↗ |
Wrapped BTC 0.01% average
BTC has no native yield. It is mostly collateral. 37 pools, $12.9bn in total. The table shows the largest 12.
| Platform | Asset | Yield now | 30-day avg | Pool size | Edmund's rules | Main risk | |
|---|---|---|---|---|---|---|---|
| Morpho Blue Lending |
CBBTC Base |
0.00% | 0.00% | $3.3bn | 6/6 ✓ | Borrower default and smart-contract risk | DefiLlama ↗ |
| Aave V3 Lending |
WBTC Ethereum |
0.00% | 0.00% | $2.8bn | 6/6 ✓ | Borrower default and smart-contract risk | DefiLlama ↗ |
| Aave V3 Lending |
CBBTC Ethereum |
0.00% | 0.00% | $1.4bn | 6/6 ✓ | Borrower default and smart-contract risk | DefiLlama ↗ |
| Morpho Blue Lending |
CBBTC Ethereum |
0.00% | 0.00% | $698M | 6/6 ✓ | Borrower default and smart-contract risk | DefiLlama ↗ |
| JustLend V1 Lending |
BTC Tron |
0.01% | 0.01% | $544M | 5/5 ✓ | Borrower default and smart-contract risk | DefiLlama ↗ |
| Compound V3 Lending |
WBTC Ethereum |
0.00% | 0.00% | $398M | 6/6 ✓ | Borrower default and smart-contract risk | DefiLlama ↗ |
| Venus Core Pool Lending |
BTCB BSC |
0.17% | 0.19% | $353M | 5/5 ✓ | Borrower default and smart-contract risk | DefiLlama ↗ |
| Morpho Blue Lending |
KBTC Ethereum |
0.00% | 0.00% | $351M | 6/6 ✓ | Borrower default and smart-contract risk | DefiLlama ↗ |
| SparkLend Lending |
CBBTC Ethereum |
0.00% | 0.00% | $256M | 6/6 ✓ | Borrower default and smart-contract risk | DefiLlama ↗ |
| Morpho Blue Lending |
WBTC Ethereum |
0.00% | 0.00% | $250M | 6/6 ✓ | Borrower default and smart-contract risk | DefiLlama ↗ |
| Aave V3 Lending |
WBTC Arbitrum |
0.02% | 0.02% | $244M | 6/6 ✓ | Borrower default and smart-contract risk | DefiLlama ↗ |
| Aave V3 Lending |
CBBTC Base |
0.01% | 0.01% | $239M | 6/6 ✓ | Borrower default and smart-contract risk | DefiLlama ↗ |
Tokenized gold 0.00% average
Gold pays nothing. The market is small. 5 pools, $100M in total. The table shows the largest 5.
| Platform | Asset | Yield now | 30-day avg | Pool size | Edmund's rules | Main risk | |
|---|---|---|---|---|---|---|---|
| Aave V3 Lending |
XAUT Ethereum |
0.00% | 0.00% | $57M | 6/6 ✓ | Borrower default and smart-contract risk | DefiLlama ↗ |
| TermMax Lending |
XAUT Ethereum |
0.00% | 0.00% | $24M | 4/6 | Borrower default and smart-contract risk | DefiLlama ↗ |
| Aave V4 Lending |
XAUT Ethereum |
0.00% | 0.00% | $7M | 4/6 | Borrower default and smart-contract risk | DefiLlama ↗ |
| Morpho Blue Lending |
XAUT Ethereum |
0.00% | 0.00% | $7M | 5/6 | Borrower default and smart-contract risk | DefiLlama ↗ |
| Aave V4 Lending |
PAXG Ethereum |
0.00% | 0.00% | $5M | 4/6 | Borrower default and smart-contract risk | DefiLlama ↗ |
Other RWAs (credit, reinsurance) 6.45% average
Above the Treasury rate means credit or insurance risk. 11 pools, $3.1bn in total. The table shows the largest 11.
| Platform | Asset | Yield now | 30-day avg | Pool size | Edmund's rules | Main risk | |
|---|---|---|---|---|---|---|---|
| USD AI RWA |
SUSDAI Arbitrum |
6.23% | 6.95% | $554M | 4/4 ✓ | Issuer, legal and access risk | DefiLlama ↗ |
| Usual USD0 RWA |
BUSD0 Ethereum |
5.19% — base + 5.19% reward |
5.75% | $503M | 4/5 | Issuer, legal and access risk | DefiLlama ↗ |
| Hastra RWA |
PRIME Ethereum |
6.10% | 6.17% | $448M | 3/4 | Issuer, legal and access risk | DefiLlama ↗ |
| Re RWA |
REUSD Ethereum |
6.76% | 6.90% | $326M | 3/4 | Issuer, legal and access risk | DefiLlama ↗ |
| Centrifuge Protocol RWA |
USAT Ethereum |
3.84% | 3.72% | $293M | 5/5 ✓ | Issuer, legal and access risk | DefiLlama ↗ |
| OnRe RWA |
ONYC Solana |
11.02% | 11.02% | $283M | 4/4 ✓ | Issuer, legal and access risk | DefiLlama ↗ |
| Centrifuge Protocol RWA |
USDC Avalanche |
3.84% | 3.74% | $263M | 5/5 ✓ | Issuer, legal and access risk | DefiLlama ↗ |
| Apyx Protocol RWA |
APXUSD Ethereum |
12.91% | 12.99% | $154M | 3/4 | Issuer, legal and access risk | DefiLlama ↗ |
| Hastra RWA |
PRIME Solana |
6.10% | 6.17% | $115M | 3/4 | Issuer, legal and access risk | DefiLlama ↗ |
| Securitize Tokenized AAA CLO Fund RWA |
STAC Ethereum |
3.39% | 3.94% | $104M | 3/4 | Issuer, legal and access risk | DefiLlama ↗ |
| Hastra RWA |
AUTO Solana |
9.68% | 9.70% | $102M | 3/4 | Issuer, legal and access risk | DefiLlama ↗ |
Edmund's rules for digital yields
A pool gets ✓ when it passes every rule that can be checked. The number shows how many rules it passes.
- Platform above $1bn. A large platform has more at stake and more users watching it.
- Pool above $50M. A deep pool lets you exit without moving the rate.
- At least 80% base yield. Base yield comes from real borrowers or staking. Reward tokens can stop or fall in price.
- Yield stable over 30 days. A yield far from its 30-day average is often a short spike.
- Platform audited. An audit does not remove smart-contract risk, but no audit is a red flag.
- Live for at least 1 year. A platform that survived a full year of markets is less likely to fail in a new way.
- Stablecoin holds its peg. The price of the coin is within 1% of $1 now.
Source: DefiLlama (yields.llama.fi, api.llama.fi). Only platforms above $1bn and pools above $20M (real-world assets above $100M). 16165 pools scanned. Updated 2026-10-21 09:22 UTC. Yields change every day.
Compare a digital yield with a dividend company over 20 years, in the Pro view.
Open the Pro view →