Ondo US Dollar Yield (USDY) interest rates: staking, lending and yield farming
Every liquid DeFi pool that includes USDY: 14 pools across 6 protocols and 9 chains. Live APY with base/reward split, 30-day average and risk flags. Updated 2 h ago
3.56%
Best single-asset APY
3.56%
Best APY incl. pairs
3.58%
Median APY
$2.25B
Liquidity in USDY pools
11 / 14
Single-asset / all pools
Best single-asset option right now: 3.58% at Ondo Yield Assets on Solana ($180.2M TVL, 30d avg 3.56%).
| Pool | APY | 30d avg | TVL ▾ | 30d | Risk | Chain | |
|---|---|---|---|---|---|---|---|
| USDY Ondo Yield Assets · US Dollar Yield | 3.58% base 3.58% | 3.56% | $1.20B | Stable Single Down | Ethereum | Deposit ↗ | |
| USDY Ondo Yield Assets · US Dollar Yield | 3.58% base 3.58% | 3.56% | $535.9M | Stable Single Down | Stellar | Deposit ↗ | |
| USDY Ondo Yield Assets · US Dollar Yield | 3.58% base 3.58% | 3.56% | $258.9M | Stable Single Stable/Up | Sei | Deposit ↗ | |
| USDY Ondo Yield Assets · US Dollar Yield | 3.58% base 3.58% | 3.56% | $180.2M | Stable Single Stable/Up | Solana | Deposit ↗ | |
| USDY Ondo Yield Assets · US Dollar Yield | 3.58% base 3.58% | 3.56% | $28.7M | Stable Single Stable/Up | Mantle | Deposit ↗ | |
| USDY Ondo Yield Assets · US Dollar Yield | 3.58% base 3.58% | 3.56% | $14.6M | Stable Single Stable/Up | Sui | Deposit ↗ | |
| USDY Ondo Yield Assets · US Dollar Yield | 3.58% base 3.58% | 3.56% | $14.2M | Stable Single Stable/Up | Noble | Deposit ↗ | |
| USDY Ondo Yield Assets · US Dollar Yield | 3.58% base 3.58% | 3.56% | $6.4M | — | Stable Single Stable/Up | Osmosis | Deposit ↗ |
| USDY Ondo Yield Assets · US Dollar Yield | 3.58% base 3.58% | 3.56% | $3.6M | — | Stable Single Stable/Up | Arbitrum | Deposit ↗ |
| USDY-USDC Orca DEX | 0.02% base 0.02% | 0.63% | $2.9M | — | Stable LP Stable/Up | Solana | Deposit ↗ |
| USDC-USDY Cetus CLMM · 1% | 0.07% base 0.04% + reward 0.04% | 0.12% | $2.1M | — | Stable LP Reward-heavy Stable/Up | Sui | Deposit ↗ |
| USDY NAVI Lending | 2.85% base 0.85% + reward 2.00% | 2.93% | $1.9M | — | Stable Single Reward-heavy Stable/Up | Sui | Deposit ↗ |
By protocol
- Ondo Yield Assetsbest 3.56% · 9 pools · $2.24B
- Orca DEXbest 0.02% · 1 pools · $2.9M
- Cetus CLMMbest 0.07% · 1 pools · $2.1M
- NAVI Lendingbest 2.85% · 1 pools · $1.9M
By chain
- Ethereumbest 3.56% · 1 pools · $1.20B
- Stellarbest 3.56% · 1 pools · $535.9M
- Seibest 3.56% · 1 pools · $258.9M
- Solanabest 3.56% · 2 pools · $183.1M
- Mantlebest 3.56% · 1 pools · $28.7M
- Suibest 3.56% · 3 pools · $18.6M
- Noblebest 3.56% · 1 pools · $14.2M
- Osmosisbest 3.56% · 1 pools · $6.4M
- Arbitrumbest 3.56% · 1 pools · $3.6M
Borrow USDY 2 markets
Top single-asset USDY pools by APY TVL ≥ $1M
- Ondo Yield Assets Ethereum · US Dollar Yield3.58% · 30d 3.56% · $1.20B
- Ondo Yield Assets Stellar · US Dollar Yield3.58% · 30d 3.56% · $535.9M
- Ondo Yield Assets Sei · US Dollar Yield3.58% · 30d 3.56% · $258.9M
- Ondo Yield Assets Solana · US Dollar Yield3.58% · 30d 3.56% · $180.2M
- Ondo Yield Assets Mantle · US Dollar Yield3.58% · 30d 3.56% · $28.7M
- Ondo Yield Assets Sui · US Dollar Yield3.58% · 30d 3.56% · $14.6M
- Ondo Yield Assets Noble · US Dollar Yield3.58% · 30d 3.56% · $14.2M
- Ondo Yield Assets Osmosis · US Dollar Yield3.58% · 30d 3.56% · $6.4M
Paired with USDY
How to earn on USDY
Single-asset options (lending, staking, savings vaults) pay interest without exposing you to another token; your USDY balance grows and you can withdraw the same asset. Liquidity pairs earn trading fees plus rewards but hold USDY together with a second asset, so the value moves with both prices (impermanent loss). The “Single” chip marks the first kind.
Each row links to the protocol’s own deposit page. Check the chain first: the same protocol can pay different rates on Ethereum, Base or Arbitrum, and moving funds costs a bridge fee (see bridges). Rates refresh hourly; the 30-day average shows whether today’s number is typical.
Questions people ask
What is the best USDY APY right now?
The highest single-asset rate with at least $1M of liquidity is 3.58% at Ondo Yield Assets on Solana ($180.2M TVL). Rates are refreshed hourly; the 30-day average for that pool is 3.56%.
Where can I earn interest on USDY?
6 protocols currently list USDY pools. The largest by liquidity: Ondo Yield Assets ($2.24B), Orca DEX ($2.9M), Cetus CLMM ($2.1M), NAVI Lending ($1.9M). Each row in the table links to the protocol’s deposit page.
Can I borrow USDY?
2 lending markets let you borrow USDY against collateral. See USDY borrow rates for the cheapest one.
Is USDY yield safe?
It depends on the pool. Single-asset lending and staking avoid impermanent loss; liquidity pairs do not. The median USDY rate across liquid pools is 3.58%; anything far above it usually carries reward-token risk or a very small market. Our methodology explains every column and flag.