Bitfinex Funding
USD 10.46%
Best across periods: 2d 5.47% / 7d 6.37% / 30d 5.87% / 120d 10.46%
⚡ Want this automated across periods? See Yieldsforge → Stablecoin Lending Rates — Live
5 platforms · auto-refreshed every 15 min · CeFi + DeFi
Today's top APY
16.54 %
≈ +0.00% over 0 days · matures 2026-06-18
↑ 0.48%
/ 7d
Trusted picks
Core platforms we track continuously
Bitfinex Funding
USDT 6.50%
Best across periods: 2d 3.29% / 7d 3.29% / 30d 3.04% / 120d 6.50%
⚡ Want this automated across periods? See Yieldsforge → Aave v3
USDC 4.61%
↑ 8.48%
● Stable 📉 Predicted down next 30d
3.26% 30d range 12.18%
Aave v3
USDT 4.42%
↓ 0.30%
● Stable 📈 Predicted up/stable next 30d
2.68% 30d range 12.60%
Morpho (Steakhouse USDC)
USDC 3.77%
↑ 0.26%
● Stable 📈 Predicted up/stable next 30d
3.15% 30d range 4.72%
Sky Savings Rate
USDS 3.65%
● Stable 📈 Predicted up/stable next 30d
Compound v3
USDC 3.17%
● Stable 📈 Predicted up/stable next 30d
2.57% 30d range 4.46%
Premium (5–10%)
TVL ≥ $10M, whitelisted protocols, 5–10% APY
Morpho ALPHAUSDCCOREV2
ALPHAUSDCCOREV2 9.58%
↓ 2.40%
● Stable
6.61% 30d range 14.23%
Morpho FAUSDE
FAUSDE 9.14%
↓ 10.81%
● Stable 📈 Predicted up/stable next 30d
6.34% 30d range 17.24%
Pendle USDAT
USDAT 9.09%
≈ +1.37% over 55 days to maturity
Matures 2026-08-27
↑ 0.24%
● Stable
Morpho AUGUSTUSDCV2
AUGUSTUSDCV2 8.56%
↓ 0.73%
● Stable 📈 Predicted up/stable next 30d
6.88% 30d range 15.78%
Aave v3
USDC 8.55%
● Stable
7.75% 30d range 8.85%
Pendle SNUSD
SNUSD 8.44%
≈ +0.00% over 0 days to maturity
Matures 2026-06-04
↑ 0.16%
● Stable 📈 Predicted up/stable next 30d
Morpho SENPYUSDPRIMEV2
SENPYUSDPRIMEV2 8.14%
↑ 1.79%
● Stable 📈 Predicted up/stable next 30d
7.04% 30d range 8.85%
Pendle SUSDAI
SUSDAI 8.03%
≈ +2.29% over 104 days to maturity
Matures 2026-10-15
↓ 0.29%
● Stable 📈 Predicted up/stable next 30d
Morpho CSUSDC
CSUSDC 7.61%
↓ 0.11%
● Stable
6.25% 30d range 11.21%
Morpho HYPERUSDCA
HYPERUSDCA 7.57%
↓ 1.80%
● Stable 📈 Predicted up/stable next 30d
6.48% 30d range 8.97%
Morpho FEUSDC2
FEUSDC2 7.53%
↓ 5.88%
● Stable 📉 Predicted down next 30d
5.32% 30d range 16.80%
Aave v3
USDT 7.31%
● Stable
2.68% 30d range 12.60%
Aave v3 GHO
GHO 7.24%
● Stable
Pendle USDAI
USDAI 6.81%
≈ +0.00% over 0 days to maturity
Matures 2026-06-18
↓ 0.20%
● Stable 📉 Predicted down next 30d
Aave v3 USDE
USDE 6.78%
↓ 2.40%
● Stable 📉 Predicted down next 30d
4.36% 30d range 15.75%
Euler v2 PYUSD
PYUSD 6.60%
↓ 3.74%
● Stable 📈 Predicted up/stable next 30d
4.32% 30d range 8.72%
Euler v2 RLUSD
RLUSD 6.48%
↓ 4.52%
● Stable 📈 Predicted up/stable next 30d
4.35% 30d range 9.17%
Morpho FEUSDC
FEUSDC 6.09%
↑ 0.31%
● Stable
4.57% 30d range 8.87%
Fluid
USDC 5.90%
● Stable 📈 Predicted up/stable next 30d
5.08% 30d range 7.05%
Aave v3 SGHO
SGHO 5.81%
↓ 1.82%
● Stable 📈 Predicted up/stable next 30d
3.75% 30d range 6.71%
Fluid GHO
GHO 5.79%
↓ 0.70%
● Stable 📈 Predicted up/stable next 30d
3.56% 30d range 14.92%
Fluid
USDC 5.66%
● Stable 📈 Predicted up/stable next 30d
4.51% 30d range 7.17%
Morpho BBQUSDC
BBQUSDC 5.57%
↑ 0.90%
● Stable
4.87% 30d range 6.56%
Morpho SKYMONEYUSDCRISKCAPITAL
SKYMONEYUSDCRISKCAPITAL 5.55%
↑ 1.52%
● Stable
4.33% 30d range 6.58%
Morpho SENPYUSDMAIN
SENPYUSDMAIN 5.36%
↓ 1.04%
● Stable 📉 Predicted down next 30d
4.27% 30d range 7.70%
Morpho SENRLUSDV2
SENRLUSDV2 5.36%
● Stable 📉 Predicted down next 30d
4.79% 30d range 5.84%
Morpho STEAKUSDTBETHENA
STEAKUSDTBETHENA 5.30%
↓ 0.17%
● Stable 📉 Predicted down next 30d
4.41% 30d range 6.66%
Fluid
USDT 5.29%
● Stable 📈 Predicted up/stable next 30d
3.54% 30d range 7.81%
Morpho GTUSDCF
GTUSDCF 5.27%
↑ 1.67%
● Stable
4.04% 30d range 10.58%
Morpho GTUSDCRWA
GTUSDCRWA 5.20%
↑ 1.78%
● Stable
3.99% 30d range 9.70%
Aave v3 USDTB
USDTB 5.18%
↓ 0.31%
● Stable 📉 Predicted down next 30d
4.81% 30d range 5.93%
Morpho MWUSDC
MWUSDC 5.05%
↑ 0.23%
● Stable
3.55% 30d range 5.96%
Morpho BBQUSDC
BBQUSDC 5.04%
↑ 1.41%
● Stable
3.88% 30d range 7.53%
High yield (>10%)
TVL ≥ $10M, APY > 10%. Higher APY typically means more strategy risk (leverage, reward decay, lockups) — verify the yield source before depositing.
Pendle APYUSD
APYUSD 16.54%
≈ +0.00% over 0 days to maturity
Matures 2026-06-18
↑ 0.48%
● Stable
Pendle SUSDAT
SUSDAT 12.68%
≈ +1.91% over 55 days to maturity
Matures 2026-08-27
↓ 1.65%
● Stable
Pendle APXUSD
APXUSD 11.05%
≈ +0.00% over 0 days to maturity
Matures 2026-06-18
↓ 4.43%
● Stable
Morpho ALPHAUSDCDELTAV2
ALPHAUSDCDELTAV2 11.03%
↓ 0.98%
● Stable
8.03% 30d range 16.73%
Want it automated?
Yieldsforge automates a backtested lending strategy: picks the best rate across funding periods, catches short-term spikes, auto re-grabs offers. Funding-only API key — no withdrawals; principal stays in your exchange account.
Learn about Yieldsforge →Frequently asked questions
Why do rates vary so much across platforms?
CeFi rates (Bitfinex Funding) come from trading demand. DeFi rates (Aave, Compound, Morpho) come from borrowers paying interest, priced automatically by utilization. Sky Savings Rate is set by SKY governance vote. Risk profile, withdrawal speed, and custody differ — never pick a platform on APY alone.
How often is the data refreshed?
All 5 platforms refresh automatically every 15 minutes via official APIs. Each row shows 'Updated N min ago' so you can spot stale data.
Are these affiliate links?
Some CeFi links carry an affiliate code that earns us a commission when you sign up; your fees and terms are unaffected. DeFi protocols (Aave / Compound / Morpho / Sky) have no affiliate program, so those links go straight to the official app.
Why does the CeFi variable rate look so low sometimes?
CeFi funding markets price the rate from real-time borrower demand. When demand is quiet, the spot APY can sit near its floor — but it can spike past 20% during demand surges. An automated strategy is designed to catch those spikes rather than chase a static snapshot.
Do you track me?
No. This page has zero Google Analytics, Plausible, or any other browser tracker, and we don't log clicks. We only see aggregate server-side page views via Cloudflare's built-in analytics.