The Vault Row · earn on dollars you hold
Dollars in a bank earn the bank. Here they can earn for you.
Stablecoins lent on open lending markets earn what borrowers pay, in the open, with no bank in the middle. These are live rates from long-running protocols, side by side, with the risks in plain words. Get your dollars onto the right chain here, then deposit.
Live rates · read 11 Nov, 10:00 UTC
What dollars earn right now
- FluidUSDT on Ethereum9.80%a year, now
- Base rate9.80%
- 30-day average4.86%
- In the pool$126M
Get USDT on EthereumOpen Fluid opens a new tab. The House stays open here, come back when you are done. - Sky savingsUSDS on Ethereum6.10%a year, now
- Base rate0.00%
- Extra rewards6.10%
- 30-day average6.00%
- In the pool$142M
Get USDS on EthereumOpen Sky savings opens a new tab. The House stays open here, come back when you are done. - AaveUSDC on Ethereum5.66%a year, now
- Base rate3.89%
- Extra rewards1.77%
- 30-day average5.85%
- In the pool$55M
- AaveUSDT on Ethereum5.20%a year, now
- Base rate3.47%
- Extra rewards1.73%
- 30-day average5.58%
- In the pool$59M
- FluidUSDC on Arbitrum4.83%a year, now
- Base rate4.83%
- 30-day average5.16%
- In the pool$54M
Get USDC on ArbitrumOpen Fluid opens a new tab. The House stays open here, come back when you are done. - FluidUSDC on Ethereum4.63%a year, now
- Base rate4.63%
- 30-day average6.01%
- In the pool$134M
Get USDC on EthereumOpen Fluid opens a new tab. The House stays open here, come back when you are done. - AaveUSDC on Ethereum3.89%a year, now
- Base rate3.89%
- 30-day average4.19%
- In the pool$170M
- AaveUSDT on Ethereum3.47%a year, now
- Base rate3.47%
- 30-day average4.00%
- In the pool$269M
- CompoundUSDC on Ethereum3.19%a year, now
- Base rate3.19%
- 30-day average4.47%
- In the pool$41M
Get USDC on EthereumOpen Compound opens a new tab. The House stays open here, come back when you are done. - AaveUSDC on Arbitrum2.87%a year, now
- Base rate2.87%
- 30-day average2.60%
- In the pool$37M
Source: DefiLlama's open yields data, kept to long-running lending protocols, pools over $20M and plain single-coin deposits. Rates change every block. Not advice.
Before you deposit
Fair questions
Mostly from borrowers, who pay interest to borrow your dollars and post more collateral than they take. Some pools add extra rewards, and savings rates like Sky's are paid by the protocol itself; each card shows the base rate and any extras separately.
Yes. Smart contracts can fail, and in a sharp crash a market can be left with bad debt. Large, long-running pools lower that risk; they do not remove it. Only deposit what you can afford to have locked or lost.
No. These are public rates, read live from DefiLlama, so you can compare in one place. The choice, and the research, are yours.
Usually at any time, as long as the pool has dollars not lent out. When almost everything is borrowed, withdrawals wait until borrowers repay.