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Yieldo / DeFi Yields

On-Chain DeFi Yields

Compare on-chain DeFi yields — liquid staking and stablecoin lending — across audited protocols, next to CEX rates.

Annual rate Get DeFi alerts in Telegram
Protocols
9
Networks
2
Products
15

DeFi yields: what earns income in your position

DeFi services use blockchain programs to carry out financial transactions. Yieldo compares selected A service stakes coins and issues a token representing your share. The token can be used in applications or swapped; the swap price and the time required to redeem the original coins depend on the market and the service’s rules., lending and savings positions. Each row identifies the protocol, asset, network and rate; the comparison below explains what you deposit, the position you receive and where its yield comes from.

Products: 15 Mechanisms reviewed:

Liquid staking

Protocol Asset Network / Position Annual rate Pool TVL Action
Lido ETH Ethereum stETH 2.78% Base rate Data retrieved $22.7B Open staking
Rocket Pool ETH Ethereum rETH 1.81% Base rate Data retrieved $1.2B Open staking
Jito SOL Solana JitoSOL 4.76% Base rate Data retrieved $1.1B Open staking
Coinbase cbETH ETH Ethereum cbETH 2.27% Base rate Data retrieved $464.9M Open staking
Marinade SOL Solana mSOL 5.50% Base rate Data retrieved $230.8M Open staking

Lending

Protocol Asset Network / Position Annual rate Pool TVL Action
Sky (Maker) USDS Ethereum sUSDS 3.80% Base rate Data retrieved $4.9B Open savings position
Aave v3 ETH Ethereum aToken · WETH 1.30% Base rate Data retrieved $956.3M Supply to lending pool
Aave v3 USDT Ethereum aToken · USDT 3.40% Base rate Data retrieved $342.6M Supply to lending pool
Sky (Maker) DAI Ethereum sDAI 1.25% Base rate Data retrieved $199.4M Open savings position
Compound v3 USDC Ethereum Supply balance · USDC · Compound III 3.22% Base rate Data retrieved $41.0M Supply to lending pool
Compound v3 ETH Ethereum Supply balance · WETH · Compound III 1.60% Base rate Data retrieved $24.2M Supply to lending pool
Compound v3 USDT Ethereum Supply balance · USDT · Compound III 3.96% Base rate Data retrieved $15.7M Supply to lending pool
Aave v3 DAI Ethereum aToken · DAI 3.39% Base rate Data retrieved $11.4M Supply to lending pool
Aave v3 USDC Ethereum aToken · USDC 12.32% Base rate Data retrieved $10.1M Supply to lending pool

Synthetic dollar

Protocol Asset Network / Position Annual rate Pool TVL Action
Ethena USDe Ethereum sUSDe 5.11% Base rate Data retrieved $1.2B Open staking Access

Four ways DeFi positions earn yield

Similar rates can come from different activities: Participating in a network with coins allocated to block validation. You can run your own validator or participate through a selected validator or service. Rewards are earned for following the network’s rules. ETH, supplying assets to borrowers or holding sUSDS and sUSDe. Each position has its own accrual and withdrawal mechanism.

Liquid staking · Lido

What you deposit
ETH on Ethereum.
Position
stETH, which can be wrapped into wstETH.
Where yield comes from
Ethereum validator rewards after Lido's fee. Accrual changes the stETH balance; with wstETH, it changes how much stETH each token represents.
How to exit
Request a withdrawal through Lido, wait for fulfilment and claim ETH. Alternatively, swap stETH or wstETH at the market rate.

Lending supply · Aave V3

What you deposit
A supported asset, such as USDC, into the selected Aave market.
Position
aTokens representing the supplied asset and accrued interest.
Where yield comes from
Interest paid by borrowers. The rate changes with borrowing demand and market parameters; accrual increases the aToken balance.
How to exit
Withdraw the underlying asset and interest from the pool's available liquidity. If the position backs a loan, the open borrow also affects how much can be withdrawn.

Savings position · Sky

What you deposit
USDS into the Sky Savings Rate module.
Position
sUSDS: the token count stays the same while its USDS redemption value grows as the rate accrues.
Where yield comes from
The variable Sky Savings Rate set by Sky Governance. It is funded from aggregate protocol surplus generated by lending, treasury strategies and other activities.
How to exit
Redeem sUSDS for USDS through Sky.money. The position has no fixed maturity.

Synthetic dollar staking · Ethena

What you deposit
USDe into Ethena staking.
Position
sUSDe: distributed rewards increase the amount of USDe redeemable per token.
Where yield comes from
A share of Ethena's proceeds from staked backing assets, perpetual Periodic payments between buyers and sellers of perpetual futures. Buyers pay when the rate is positive; sellers pay when it is negative. This mechanism keeps the contract price closer to the underlying asset price. payments, spot–futures basis and liquid stablecoin income.
How to exit
Request an sUSDe withdrawal and claim USDe after the cooldown. Its duration changes with the protocol's parameters.
Access
Ethena does not offer the acquisition of sUSDe to persons with their habitual residence or registered office in the EU or EEA.

Lending pools: current rate and 30-day average

For USDC and USDT positions on Ethereum, this table compares the current total annual rate with the average of observed total annual rates for the same pool over the past 30 days. It shows how the current rate compares with its recent level.

Protocol / Asset Current total rate 30-day average Data retrieved
Aave v3 · USDTEthereum 3.40% 3.77%
Compound v3 · USDCEthereum 3.22% 4.81%
Compound v3 · USDTEthereum 3.96% 4.21%
Aave v3 · USDCEthereum 12.32% 4.36%

Understanding rates and pool size

The annual rate expresses the pace at which a position earns yield. Calculation methods depend on the product: some rates include compounding, while others report an annual accrual rate. The base rate covers the main yield source; the total rate also includes the additional rewards accounted for in the data.

The current rate refers to the retrieval time shown in its row. The 30-day average is the average of observed annual rates over the preceding 30 days. Both columns in the USDC and USDT comparison use the total rate for the same pool.

TVL is shown in dollars for the selected pool. For lending markets, this metric reflects remaining liquidity; for liquid staking, it reflects the value of assets backing the position. Rows in each group are ordered by the selected pool’s TVL.

Network transactions, swaps and asset transfers have separate costs. Those costs depend on your entry and exit route; the published rate describes the yield of the position itself.

Do I need to buy AAVE to earn lending interest on Aave?

A USDC lending position starts by supplying USDC to the relevant Aave market. Your wallet receives aTokens that track the supplied amount and accrued interest. Aave calls this action Supply; buying AAVE is a separate transaction involving a different asset.

Why is the network shown alongside the asset?

A yield position exists on a specific network. USDC on Ethereum and USDC on Solana, for example, have different token addresses despite sharing a ticker. The combination of protocol, asset and network identifies where you supply funds and where the withdrawal takes place.

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