稳定币收益,每条链,每一天。

一个地方就能找到最佳稳定币 APY — 看看哪些协议真的为 USDC、USDT、DAI 等主流稳定币付出超过 10%。每小时刷新一次,覆盖我们能触及的每条链。

数据更新于 51 minutes ago

追踪中的池子 124
协议数 96
链 21

最低 APY

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安全 16 中等 37 高风险 71 空投

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显示 124 个 APY ≥ 10.0% 的池子

协议	资产	链	APY	7d	TVL
Yearn · Morpho Gauntlet AUSD Vault Compounder Yield Aggregator Katana	AUSD	Katana	272.76%	—	$82.63K
Wildcat · Kinto Phoenix Facility USD Coin Uncollateralized Lending Ethereum	USDC	Ethereum	50.00%	—	$1.28M
Yearn · Spark USDS Compounder Yield Aggregator Ethereum	USDS	Ethereum	37.21%	—	$1.04M
Yearn · Morpho Steakhouse Prime AUSD Compounder Yield Aggregator Katana	AUSD	Katana	32.06%	—	$63.62K
Yearn · AUSD yVault Yield Aggregator Katana	AUSD	Katana	29.05%	—	$144.63K
Morpho · Steakhouse High Yield USDC Lending Polygon	USDC	Polygon	26.06%	—	$62.88K
Yearn · Curve msUSD-frxUSD Factory Yield Aggregator Ethereum	FRXMSUSD	Ethereum	25.86%	—	$1.31M
Beefy · reUSDe 10Dec26 Yield Aggregator Ethereum	REUSDE	Ethereum	25.19% 1.90% + 22.83%	—	$386.55K
Travessia Credit RWA Lending Ethereum	USDT	Ethereum	22.04%	+0.00 pp	$102.63K
Compound V3 Lending OP Mainnet	USDC	OP Mainnet	20.26%	+17.23 pp	$80.33K
Pendle · PT-REUSDE Yield Aggregator Ethereum	REUSDE	Ethereum	19.60%	—	$10.47M
Pendle · PT-SUSD3 Yield Aggregator Ethereum	SUSD3	Ethereum	18.91%	—	$991.80K
Morpho · Gauntlet DAI Core Lending Ethereum	DAI	Ethereum	18.70%	—	$1.94M
Wildcat · Halalcash Levered Tether USD Uncollateralized Lending Ethereum	USDT	Ethereum	18.50%	—	$219.86K
Wildcat · Halal Cash Levered Tether USD Uncollateralized Lending Ethereum	USDT	Ethereum	18.50%	—	$105.66K
Wildcat · Halalcash Levered USD Coin Uncollateralized Lending Ethereum	USDC	Ethereum	18.50%	—	$105.55K
Wildcat · Kain Warwick USD Coin Uncollateralized Lending Ethereum	USDC	Ethereum	18.00%	—	$6.72M
Fusion by IPOR Yield Aggregator Ethereum	USDC	Ethereum	18.00%	-0.14 pp	$558.54K
Travessia Credit RWA Lending Ethereum	AUSD	Ethereum	17.10%	+0.00 pp	$168.21K
Current Lending Sui	USDC	Sui	17.08% 0.69% + 16.40%	+3.99 pp	$993.72K
Silo · USDC / SAVUSD Lending Avalanche	USDC	Avalanche	16.91%	—	$474.76K
Accountable Uncollateralized Lending Ethereum	USDC	Ethereum	16.48% 6.46% + 10.02%	+15.62 pp	$4.03M
cSigma Finance RWA Lending Ethereum	USDC	Ethereum	15.58%	-0.05 pp	$422.38K
ScrubVault Basis Trading Kava	USDT	Kava	15.00%	-1.25 pp	$99.16K
Liqwid Lending Cardano	USDM	Cardano	14.80%	-0.80 pp	$379.33K
Apyx Protocol RWA Ethereum	APXUSD	Ethereum	14.41%	-0.03 pp	$142.52M
cSigma Finance RWA Lending Ethereum	USDT	Ethereum	14.33%	-0.03 pp	$58.21K
Fusion by IPOR Yield Aggregator Ethereum	USDC	Ethereum	14.29%	-0.72 pp	$57.52K
Accountable Uncollateralized Lending Ethereum	USDC	Ethereum	14.25%	+0.00 pp	$1.04M
Wildcat · 0d Arcx USD Coin Uncollateralized Lending Ethereum	USDC	Ethereum	14.00%	—	$548.73K
Pendle · PT-NOPAL Yield Aggregator Ethereum	NOPAL	Ethereum	14.00%	—	$3.55M
Convex Finance Yield Ethereum	CRVUSD	Ethereum	13.99% 10.21% + 3.78%	+9.47 pp	$312.33K
Lagoon Onchain Capital Allocator Ethereum	SYNUSDX	Ethereum	13.72%	+0.76 pp	$350.10K
Yearn · Compound V3 USDC.e Lender Yield Aggregator Polygon	USDC	Polygon	13.50%	—	$73.97K
ForgeYields Onchain Capital Allocator Starknet	USDC	Starknet	13.36%	+4.22 pp	$636.64K
ForgeYields Onchain Capital Allocator Ethereum	USDC	Ethereum	13.36%	+4.22 pp	$208.41K
Mystic Finance Lending Lending Flare	COREUSDT0	Flare	13.33% 4.41% + 8.92%	-0.53 pp	$21.56M
Pendle · PT-USP Yield Aggregator Ethereum	USP	Ethereum	13.23%	—	$219.15K
Wildcat · Elk Crypto Tether USD Uncollateralized Lending Ethereum	USDT	Ethereum	13.14%	—	$177.11K
Wildcat · Elk Crypto USD Coin Uncollateralized Lending Ethereum	USDC	Ethereum	13.14%	—	$117.71K
Liqwid Lending Cardano	DJED	Cardano	13.10%	-0.27 pp	$1.20M
Kinetic Lending Flare	USDC.E	Flare	13.07% 7.76% + 5.31%	+1.90 pp	$165.73K
Fusion by IPOR Yield Aggregator Ethereum	RUSD	Ethereum	13.00%	-3.51 pp	$962.18K
Harvest Finance Yield Aggregator Base	USDC	Base	12.99%	-0.08 pp	$1.86M
Tori Finance Basis Trading Ethereum	STRUSD	Ethereum	12.99%	—	$25.07M
3Jane Lending Uncollateralized Lending Ethereum	SUSD3	Ethereum	12.98%	-0.43 pp	$8.35M
Ember Protocol Onchain Capital Allocator Ethereum	USDC	Ethereum	12.90%	+0.00 pp	$6.10M
Balancer · Balancer syzUSD-CSUSDC Yield Monad	USDC	Monad	12.83% 0.00% + 12.83%	—	$362.12K
Balancer · USDp-csbUSDC Yield Hyperliquid	USDC + USDP	Hyperliquid	12.79% 0.07% + 12.73%	—	$1.03M
Fusion by IPOR Yield Aggregator Ethereum	USDC	Ethereum	12.73%	-2.02 pp	$122.41K
Morpho · Gauntlet USDC Lending Unichain	USDC	Unichain	12.72%	—	$351.28K
Strata Markets Yield Ethereum	JRMHYPER	Ethereum	12.69%	+0.33 pp	$430.67K
Snowbl Capital Onchain Capital Allocator Base	USDC	Base	12.68%	—	$310.57K
PiggyBank Yield Solana	USDC	Solana	12.63%	—	$1.89M
Liqwid Lending Cardano	USDT	Cardano	12.62%	-0.27 pp	$203.26K
Kinetic Lending Flare	USDT0	Flare	12.42% 10.31% + 2.11%	+3.65 pp	$496.71K
cSigma Finance RWA Lending Ethereum	CSUSD	Ethereum	12.41%	+3.49 pp	$59.54K
Fusion by IPOR Yield Aggregator Ethereum	PYUSD	Ethereum	12.39%	-1.40 pp	$397.84K
Pendle · PT-40ACRESUSDC Yield Aggregator Base	40ACRESUSDC	Base	12.38%	—	$97.88K
Beefy · USDC (Edge UltraYield) Yield Aggregator Monad	USDC	Monad	12.37%	—	$75.89K
Lazy Yield Ethereum	USDC	Ethereum	12.26%	+4.89 pp	$1.02M
Curve LlamaLend Lending Ethereum	CRVUSD	Ethereum	12.24% 10.21% + 2.02%	+10.45 pp	$384.08K
Takara Lend Lending Sei	USDT0	Sei	12.10% 10.07% + 2.03%	—	$424.82K
Pendle · PT-USD3 Yield Aggregator Ethereum	USD3	Ethereum	12.02%	—	$27.25M
Ember Protocol Onchain Capital Allocator Sui	USDC	Sui	12.00% 8.00% + 4.00%	+0.00 pp	$7.00M
Wildcat · KappaLab Ethena USDe Uncollateralized Lending Ethereum	USDE	Ethereum	12.00%	—	$965.24K
Isle Finance RWA Lending Hedera	USDC	Hedera	12.00%	+0.00 pp	$514.42K
Wildcat · TRV USD Coin Uncollateralized Lending Ethereum	USDC	Ethereum	12.00%	—	$221.95K
Mainstreet Basis Trading Ethereum	MSUSD	Ethereum	12.00%	+0.00 pp	$74.21M
Accountable Uncollateralized Lending Monad	USDC	Monad	11.99% 11.60% + 0.39%	+0.03 pp	$50.76M
Morpho · Steakhouse EURC Lending Base	EURC	Base	11.98%	—	$428.93K
Isle Finance RWA Lending Hedera	USDC	Hedera	11.98%	+0.00 pp	$398.05K
SMARDEX USDN Basis Trading Ethereum	USDN	Ethereum	11.91%	+1.39 pp	$652.03K
Sky Lending CDP Ethereum	USDS	Ethereum	11.87%	—	$236.82M
Ember Protocol Onchain Capital Allocator Sui	USDC	Sui	11.86% 6.81% + 5.05%	+1.82 pp	$1.12M
Lagoon Onchain Capital Allocator Ethereum	TULIPAUSDC	Ethereum	11.83%	+2.74 pp	$9.04M
Accountable Uncollateralized Lending Ethereum	USDC	Ethereum	11.71%	-1.82 pp	$2.13M
Takara Lend Lending Sei	USDC	Sei	11.61% 5.85% + 5.76%	—	$353.86K
Stable Jack V1 Yield Avalanche	AUSD	Avalanche	11.48%	-0.07 pp	$454.20K
Kinetic Lending Flare	USDT0	Flare	11.47% 9.19% + 2.28%	+1.92 pp	$630.40K
Kinza Finance Lending BSC	USDT	BSC	11.46%	+3.45 pp	$129.93K
Morpho · Gauntlet EURC Core Lending Base	EURC	Base	11.32%	—	$54.28K
Peapods Finance Yield Base	USDC	Base	11.24%	-1.13 pp	$228.46K
Peapods Finance Yield Ethereum	USDC	Ethereum	11.12%	+1.71 pp	$394.83K
Wildcat · Hyperithm Wildcat USD Coin Uncollateralized Lending Ethereum	USDC	Ethereum	11.00%	—	$1.21M
Wildcat · Hyperithm Wildcat Tether USD Uncollateralized Lending Ethereum	USDT	Ethereum	11.00%	—	$319.10K
GAIB RWA Ethereum	SAID	Ethereum	10.94%	+0.38 pp	$19.21M
Monetrix Basis Trading Hyperliquid L1	SUSDM	Hyperliquid L1	10.89%	+0.60 pp	$2.16M
HyperLend Pooled Lending Hyperliquid L1	USDC	Hyperliquid L1	10.79%	-0.42 pp	$8.07M
Curvance Lending Monad	AUSD	Monad	10.71% 6.19% + 4.53%	+0.92 pp	$941.40K
Midas RWA RWA Ethereum	USDC	Ethereum	10.71%	+1.06 pp	$1.98M
Midas RWA RWA Monad	USDC	Monad	10.71%	+1.06 pp	$632.93K
Midas RWA RWA Ethereum	USDC	Ethereum	10.54%	+0.03 pp	$45.94M
Midas RWA RWA Monad	USDC	Monad	10.54%	+0.03 pp	$2.94M
Midas RWA RWA Plasma	USDC	Plasma	10.54%	+0.03 pp	$329.51K
Makina Onchain Capital Allocator Ethereum	INTMKSRROYUSDC	Ethereum	10.50%	—	$12.96M
Accountable Uncollateralized Lending Monad	USDC	Monad	10.50% 10.00% + 0.50%	+0.01 pp	$5.20M
Wildcat · MNNC Trading USD Coin Uncollateralized Lending Ethereum	USDC	Ethereum	10.50%	—	$1.82M
Yearn · USDC.e-1 yVault Yield Aggregator Polygon	USDC	Polygon	10.49%	—	$71.95K
Balancer · USDp-gamiUSDC Yield Avalanche	USDC + USDP	Avalanche	10.36% 0.00% + 10.36%	—	$702.72K
Balancer · Yuzu Surge syzUSD / wnAUSD Yield Monad	AUSD	Monad	10.36% 0.00% + 10.36%	—	$160.96K
Lista Lending Lending Ethereum	USDC	Ethereum	10.34% 3.36% + 6.98%	+0.78 pp	$1.68M
Pendle · PT-AID Yield Aggregator Ethereum	AID	Ethereum	10.34%	—	$54.46K
Pendle · PT-REUSD Yield Aggregator Ethereum	REUSD	Ethereum	10.32%	—	$68.97M
Pendle · PT-SIERRA Yield Aggregator Ethereum	SIERRA	Ethereum	10.23%	—	$22.85M
Pendle · PT-YNRWAX Yield Aggregator Ethereum	YNRWAX	Ethereum	10.20%	—	$921.63K
Accountable Uncollateralized Lending Monad	USDC	Monad	10.18% 9.68% + 0.50%	+0.50 pp	$8.97M
Unitas Basis Trading BSC	SUSDU	BSC	10.16%	+0.23 pp	$42.21M
Pendle · PT-EEARN Yield Aggregator Ethereum	EEARN	Ethereum	10.16%	—	$1.05M
Spectra V2 Yield Katana	YVVBUSDC	Katana	10.14% 7.63% + 2.51%	+1.01 pp	$491.17K
Goldfinch RWA Lending Ethereum	USDC	Ethereum	10.12%	+0.00 pp	$36.72M
Pendle · PT-SUSDAI Yield Aggregator Arbitrum	SUSDAI	Arbitrum	10.06%	—	$53.41M
Midas RWA RWA Ethereum	USDC	Ethereum	10.00%	-3.80 pp	$73.21M
Wildcat · Selini USD Coin Uncollateralized Lending Ethereum	USDC	Ethereum	10.00%	—	$7.99M
Wildcat · Selini Tether USD Uncollateralized Lending Ethereum	USDT	Ethereum	10.00%	—	$7.30M
Bitway Earn Basis Trading BSC	U	BSC	10.00%	+0.00 pp	$4.79M
Upshift Onchain Capital Allocator Ethereum	COREUSDC	Ethereum	10.00%	+0.00 pp	$3.05M
Wildcat · Hyperithm Wildcat USDe Uncollateralized Lending Ethereum	USDE	Ethereum	10.00%	—	$1.91M
Wildcat · Hyperithm WildcatFast USD Coin Uncollateralized Lending Ethereum	USDC	Ethereum	10.00%	—	$1.80M
Wildcat · Key USD Coin Uncollateralized Lending Ethereum	USDC	Ethereum	10.00%	—	$1.57M
Wildcat · GardePrime USD Coin Uncollateralized Lending Ethereum	USDC	Ethereum	10.00%	—	$1.05M
Wildcat · Rhinofi USDT0 Uncollateralized Lending Plasma	USDT0	Plasma	10.00%	—	$1.01M
Parallel Protocol V3 CDP Avalanche	SUSDP	Avalanche	10.00%	+0.00 pp	$265.18K
Wildcat · DVC USD Coin Uncollateralized Lending Ethereum	USDC	Ethereum	10.00%	—	$56.79K

下方还在追踪 23 个 perp-DEX 金库 — 完全不同的物种(做市商 PnL,不是借贷),无论 APY 如何都显示。

Perp-DEX 金库 · 23 个追踪中

存入稳定币,赚取平台做市商 PnL。无论 APY 如何都显示,因为 perp 金库的收益波动很大 —— 收藏起来抓住高峰。

金库	资产	链	APR	TVL
Orderly · Smaug Derivatives 多链	USDC	多链	17.17%	$632.61K
Orderly OmniVault Derivatives 多链	USDC	多链	13.00%	$7.18M
Jupiter JLP Derivatives Solana	USDC	Solana	9.30%	$830.75M
Lighter LLP Derivatives zkLighter	USDC	zkLighter	9.17%	$77.45M
Rho X Liquidity Provider Derivatives Ethereum	USDT	Ethereum	8.85%	$993.45K
Avantis Derivatives Base	USDC	Base	8.32%	$29.37M
KiloEx Derivatives BSC	USDT	BSC	6.52%	$162.05K
dYdX MegaVault Derivatives dYdX Chain	USDC	dYdX Chain	5.99%	$1.83M
Storm Trade Derivatives TON	USDT	TON	5.80%	$3.61M
IPOR Derivatives Derivatives Ethereum	USDT	Ethereum	4.65%	$89.78K
Aevo Yield Vault Derivatives Aevo	USDC	Aevo	4.00%	$1.72M
KiloEx Derivatives Opbnb	USDT	Opbnb	4.00%	$285.59K
KiloEx Derivatives Opbnb	FDUSD	Opbnb	3.72%	$71.12K
Gains Network Derivatives Arbitrum	USDC	Arbitrum	3.55%	$7.25M
Gains Network Derivatives MegaETH	USDM	MegaETH	3.46%	$66.98K
Gains Network Derivatives Polygon	USDC	Polygon	2.82%	$268.83K
Gains Network Derivatives Base	USDC	Base	2.81%	$1.13M
IPOR Derivatives Derivatives Ethereum	USDC	Ethereum	2.36%	$169.10K
IPOR Derivatives Derivatives Arbitrum	USDC	Arbitrum	1.94%	$227.95K
Paradex Trading Vault Derivatives Starknet	USDC	Starknet	0.54%	$10.18M
KiloEx Derivatives Base	USDC	Base	0.36%	$287.50K
Pacifica Money Market Derivatives Solana	USDC	Solana	0.00%	$9.96M
Hyperliquid HLP Derivatives Hyperliquid L1	USDC	Hyperliquid L1	-0.02%	$256.57M

稳定币收益常见问题

现在 DeFi 中最佳的稳定币 APY 是多少?

顶级稳定币池子每小时都在变化。Stablesonar 列出所有在 USDC、USDT、DAI 等主要稳定币上支付超过 10% APY 的协议 — 实时排序列表就在本页顶部。数据栏上方的刷新时间戳显示数据最后更新时间。

哪种稳定币的收益最高?

取决于链和协议。USDC 通常在 Aave、Morpho 和 Pendle 上名列前茅,但 Hyperliquid、Base、Monad 等较新的生态系统经常为流动性支付更多。按资产筛选面板可以并排比较 USDC、USDT、DAI、USDe。

最佳的稳定币收益策略有哪些?

主要策略包括:借贷(Aave、Morpho、Compound)、固定收益池(Pendle PT/YT)、自动复利金库(Beefy)、永续 DEX 做市(Hyperliquid、Jupiter、dYdX、Orderly),以及参与积分 / 空投计划的农耕协议。我们为每个池子标注风险等级,方便你根据风险偏好匹配策略。

高稳定币 APY 安全吗?

更高的 APY 几乎总是意味着更高的风险。Stablesonar 根据 TVL 规模和收益水平将每个池子标记为安全、中等或高风险,但任何智能合约都可能被攻击,过去主流稳定币也曾脱锚。请阅读免责声明,核查审计报告,绝不要存入超出你承受能力的金额。

数据多久更新一次,来源是什么?

Stablesonar 每小时刷新一次。我们通过 Morpho、Pendle、Aave 和 Beefy 的公开 API 直接拉取实时数据,并将 DeFiLlama 用作其他支持协议的回退层。Perp-DEX 金库(Hyperliquid、Jupiter、dYdX、Orderly)通过其原生端点追踪。

稳定币收益,每条链,每一天。

显示 124 个 APY ≥ 10.0% 的池子

⚡ 实时 Perp-DEX 金库 · 23 个追踪中

稳定币收益常见问题

Perp-DEX 金库 · 23 个追踪中