Lending & Deposit Annualized Rates

How much you can earn annualized by lending out cash or depositing into a protocol. Bitfinex is a peer-to-peer margin funding market; Aave is an on-chain lending protocol. The two quote on different cycles — Bitfinex quotes a daily rate, Aave quotes an already-compounded APY — so everything here is normalized to an annualized basis before comparing.

Note: this is not the funding rate. The funding rate is the fee perpetual futures pay to keep their price anchored to spot; what you see here is the interest earned by lending the asset itself. Both use the same unit (annualized), but the risk, term and mechanics are entirely different.

Updated 10:39 UTC, every 10 minutes· 64 non-tradeable rates hidden· 222 markets hidden — deposits closed

Centralised exchanges

You lend inside the exchange and it matches the two sides. No wallet needed, but the funds stay on the exchange.

Bitfinex Funding Market2 marketsBest 11.02%USDExpand

A peer-to-peer lending market where the rate is set by open orders. The table uses the FRR (Flash Return Rate), the reference rate applied when nobody bids. Annualized = daily rate × 365 (simple interest, consistent with the other annualized figures on this site).

AssetPlatformAnnualizedAvailableUtilization
USDViewBitfinex Funding11.02%$117K—
USDTViewBitfinex Funding10.02%$2.6M—

Lending protocols on EVM chains

On-chain lending protocols on Ethereum and compatible chains; needs a wallet and gas. Each protocol's reserves are isolated, so the same coin can differ a lot between protocols and chains.

Aave v3 Deposits38 marketsBest 8.00%USDGExpand

Deposit rates on an on-chain lending protocol, floating with capital utilization. The higher the utilization, the higher the rate — but the more likely withdrawals get stuck. The same symbol can be a different token: on Optimism, native USDC and bridged USDC.e share a symbol yet their rates differ twentyfold, so check the full name.

AssetPlatformAnnualizedAvailableUtilization
USDGGlobal DollarViewEthereum· AaveV3Ethereum8.00%$590K84.3%
GHOGho TokenViewAvalanche· AaveV3Avalanche6.49%$92K90.8%
USDCUSD CoinViewAvalanche· AaveV3Avalanche5.36%$5.9M91.8%
USDCUSD CoinViewEthereum· AaveV3EthereumHorizon5.14%$339K87.5%
GHOGho TokenViewBase· AaveV3Base4.56%$135K90.2%
USDCViewLinea· AaveV3Linea4.47%$112K90.8%
USDCUSD CoinViewBase· AaveV3Base4.46%$17.8M90.6%
USDCUSD CoinViewOptimism· AaveV3Optimism4.31%$962K91.1%
PYUSDPayPal USDViewEthereum· AaveV3Ethereum4.07%$858K89.3%
DAI(PoS) Dai StablecoinViewPolygon· AaveV3Polygon4.00%$1.0M72.3%
USDCUSD CoinViewEthereum· AaveV3Ethereum3.85%$152.0M93.6%
GHOGho TokenViewArbitrum· AaveV3Arbitrum3.68%$66K89.6%
USDTTether USDViewOptimism· AaveV3Optimism3.65%$419K89.3%
USDTTether USDViewLinea· AaveV3Linea3.55%$49K88.1%
USDtTetherTokenViewAvalanche· AaveV3Avalanche3.52%$3.1M88.1%
DAIDai StablecoinViewEthereum· AaveV3Ethereum3.43%$11.7M90.9%
USDCUSD CoinViewEthereum· AaveV3EthereumLido3.26%$1.3M77.3%
USDCUSD CoinViewPolygon· AaveV3Polygon3.25%$10.1M63.2%
USDTTether USDViewEthereum· AaveV3Ethereum3.21%$414.5M85.6%
USDCUSD CoinViewBSC· AaveV3BNB3.19%$2.3M83.6%
RLUSDViewEthereum· AaveV3Ethereum3.19%$645K79.0%
USDTTether USDViewBSC· AaveV3BNB3.06%$11.9M81.8%
GHOGho TokenViewEthereum· AaveV3EthereumLido2.95%$11.3M79.1%
GHOGho TokenViewGnosis· AaveV3Gnosis2.44%$8K73.2%
USDCUSD CoinViewArbitrum· AaveV3Arbitrum2.34%$52.8M76.0%
USDSViewEthereum· AaveV3EthereumLido2.12%$12K78.5%
RLUSDViewEthereum· AaveV3EthereumHorizon1.75%$66.6M58.9%
GHOGho TokenViewEthereum· AaveV3EthereumHorizon1.19%$35.8M40.5%
USDCUSD CoinViewEthereum· AaveV3EthereumEtherFi0.48%$6K29.7%
USDCViewCelo· AaveV3Celo0.37%$79K30.3%
USDSViewEthereum· AaveV3Ethereum0.29%$4.6M6.8%
USDeViewEthereum· AaveV3Ethereum0.24%$246.7M4.8%
USDeViewAvalanche· AaveV3Avalanche0.07%$103K1.4%
sUSDeStaked USDeViewEthereum· AaveV3Ethereum0.00%$126.3M—
sUSDeStaked USDeViewAvalanche· AaveV3Avalanche0.00%$29K0.0%
sUSDeStaked USDeViewEthereum· AaveV3EthereumLido0.00%$46K0.0%
PYUSDPayPal USDViewEthereum· AaveV3EthereumEtherFi0.00%$1120.0%
GHOGho TokenViewEthereum· AaveV3Ethereum0.00%$31.4M76.8%
Aave v4 Deposits27 marketsBest 24.90%USDTExpand

Aave's fourth-generation protocol is a separate deployment from v3 (different API, different contracts), so it gets its own section. It is currently live only on Ethereum, Avalanche and Base; v4 reports directly whether each reserve can be supplied (canSupply), and markets that cannot be supplied are already excluded.

AssetPlatformAnnualizedAvailableUtilization
USDTTether USDViewEthereum· Aave v424.90%$2K—
GHOGho TokenViewEthereum· Aave v44.36%$690K—
USDCUSD CoinViewEthereum· Aave v44.08%$26.5M—
USDCUSD CoinViewEthereum· Aave v44.08%$8.2M—
GHOGho TokenViewEthereum· Aave v43.60%$51K—
USDTTether USDViewEthereum· Aave v43.56%$3.0M—
USDCUSD CoinViewEthereum· Aave v43.52%$7.8M—
USDCUSD CoinViewEthereum· Aave v43.41%$3.0M—
USDTTether USDViewEthereum· Aave v43.32%$3.0M—
GHOGho TokenViewEthereum· Aave v43.30%$607K—
USDCUSD CoinViewEthereum· Aave v43.14%$2.8M—
USDCUSD CoinViewEthereum· Aave v43.14%$10—
USDTTether USDViewEthereum· Aave v43.05%$6.1M—
USDTTether USDViewEthereum· Aave v43.05%$21.0M—
USDGGlobal DollarViewEthereum· Aave v42.92%$34.1M—
USDGGlobal DollarViewEthereum· Aave v42.92%$209K—
USDCUSD CoinViewBase· Aave v42.52%$5.3M—
USDGGlobal DollarViewEthereum· Aave v42.33%$79.0M—
RLUSDViewEthereum· Aave v40.80%$122—
USDCUSD CoinViewAvalanche· Aave v40.56%$9.3M—
USDCUSD CoinViewAvalanche· Aave v40.56%$999K—
USDtTetherTokenViewAvalanche· Aave v40.28%$9.0M—
USDtTetherTokenViewAvalanche· Aave v40.28%$1.1M—
USDeViewEthereum· Aave v40.00%$26.9M—
USDeViewEthereum· Aave v40.00%$1.4M—
sUSDeStaked USDeViewEthereum· Aave v40.00%$4.6M—
sUSDeStaked USDeViewEthereum· Aave v40.00%$6—
Compound v38 marketsBest 6.16%USDCExpand

A lending protocol on Ethereum, Arbitrum, Base and other chains. v3 splits markets by base asset (a USDC market, a USDT market, an ETH market); every other asset in a market serves only as collateral and earns no interest — so only the assets that actually generate interest are listed here. Data comes from DefiLlama (the protocol itself exposes no public rate API).

AssetPlatformAnnualizedAvailableUtilization
USDCViewEthereum· compound-v36.16%$34.8M—
USDCViewBase· compound-v36.07%$864K—
USDTViewOP Mainnet· compound-v34.41%$136K—
USDCViewOP Mainnet· compound-v33.39%$161K—
USDTViewEthereum· compound-v33.23%$16.7M—
USDCViewArbitrum· compound-v33.13%$1.9M—
USDTViewArbitrum· compound-v32.34%$5.2M—
USDCViewArbitrum· compound-v31.72%$263K—
Morpho120 marketsBest 42.52%USDCExpand

A lending protocol on Ethereum and other chains, built from mutually isolated markets: each “collateral / loan asset” pair is its own market, and the same pair is split into several markets by different liquidation thresholds (LLTV), so the same coin can appear on several rows. Those flagged “anomalous” are mostly the interest rate model's saturated value (e.g. 297,995%) — the model outputs that value when utilization reaches 100% — and are not a genuinely obtainable yield.

AssetPlatformAnnualizedAvailableUtilization
USDCViewEthereum· USDC/srRoyUSDC42.52%$63K96.0%
RLUSDViewEthereum· RLUSD/wstETH15.19%$88K93.0%
DAIDai StablecoinViewEthereum· DAI/sUSDe10.71%$101K92.7%
USDCUSD CoinViewBase· USDC/cbDOGE9.92%$210K92.1%
RLUSDViewEthereum· RLUSD/cbBTC9.83%$756K93.6%
USDCViewEthereum· USDC/CarryTradeUSDTRYLeverage9.70%$431K85.2%
USDCViewEthereum· USDC/dCOMP8.83%$1.5M90.0%
USDCViewEthereum· USDC/PT-trUSD-26NOV20268.57%$198K90.2%
USDCViewEthereum· USDC/aguaUSDCgc8.44%$488K91.4%
USDCViewEthereum· USDC/OETH8.33%$952K90.8%
USDCViewEthereum· USDC/mHyperBTC7.97%$340K88.0%
USDCViewMonad· USDC/earnAUSD7.56%$856K90.4%
USDCViewEthereum· USDC/PT-reUSD-10DEC20267.22%$16.7M87.6%
USDCViewEthereum· USDC/mM1-USD6.94%$1.1M87.6%
USDCViewMonad· USDC/aHyperBTC6.87%$171K91.0%
USDTTether USDViewEthereum· USDT/v-wmtUSDT6.74%$349K90.1%
USDCViewEthereum· USDC/etrUSD6.62%$180K90.1%
USDCViewEthereum· USDC/strUSD6.52%$1.8M88.3%
USDCViewMonad· USDC/aHYPER6.50%$6.4M83.3%
USDCViewMonad· USDC/PT-USDat-14JAN20276.44%$2.6M89.7%
USDTTether USDViewEthereum· USDT/PT-reUSD-10DEC20266.38%$1.6M88.4%
USDCViewEthereum· USDC/savUSD6.37%$781K89.9%
USDCViewEthereum· USDC/PT-USD3-17DEC20266.25%$4.0M85.5%
RLUSDViewEthereum· RLUSD/FXRP6.19%$842K90.2%
USDCViewEthereum· USDC/siUSD6.07%$976K87.8%
USDCViewEthereum· USDC/v-wmtUSDC6.06%$435K90.0%
PYUSDPayPal USDViewEthereum· PYUSD/PST6.01%$6.8M89.6%
USDCUSD CoinViewBase· USDC/cbADA5.99%$256K90.2%
USDCUSD CoinViewBase· USDC/cbZEC5.98%$239K90.8%
USDCViewEthereum· USDC/PT-siUSD-7JAN20275.95%$271K91.4%
USDCViewEthereum· USDC/mF-ONE5.79%$2.5M88.7%
USDCUSD CoinViewBase· USDC/JitoSOL5.76%$403K90.2%
USDCViewEthereum· USDC/reUSD5.72%$1000K90.1%
PYUSDPayPal USDViewEthereum· PYUSD/PRIME5.69%$19.1M90.7%
USDCUSD CoinViewBase· USDC/cbXRP5.65%$6.6M89.7%
USDCViewEthereum· USDC/USD35.62%$3.7M83.6%
USDCViewEthereum· USDC/AUTO5.41%$121K89.3%
USDCViewEthereum· USDC/wFalconX5.21%$2.6M90.1%
USDCUSD CoinViewBase· USDC/SOL5.09%$833K89.4%
USDCViewEthereum· USDC/PT-USDat-14JAN20275.04%$605K89.7%
USDCUSD CoinViewBase· USDC/cbETH4.99%$1.6M90.3%
USDCUSD CoinViewBase· USDC/mGLO4.98%$3.9M89.8%
USDGGlobal DollarViewRobinhood Chain· USDG/mGLO4.95%$3.3M90.2%
USDCViewEthereum· USDC/sUSN4.95%$422K73.9%
USDCViewEthereum· USDC/PST4.95%$7.1M82.2%
USDCViewEthereum· USDC/PT-apyUSD-5NOV20264.92%$979K85.6%
USDCUSD CoinViewBase· USDC/WETH4.89%$10.2M90.3%
USDCUSD CoinViewBase· USDC/wstETH4.87%$233K90.3%
USDCViewEthereum· USDC/nvPRIME4.86%$129K90.1%
PYUSDPayPal USDViewEthereum· PYUSD/weETH4.85%$2.9M90.1%
USDCUSD CoinViewBase· USDC/cbETH4.84%$180K90.3%
USDCUSD CoinViewBase· USDC/cbBTC4.77%$172.9M90.2%
USDCViewEthereum· USDC/wUSCC4.72%$770K90.2%
USDCUSD CoinViewBase· USDC/savUSD4.62%$845K80.3%
USDCViewEthereum· USDC/weETH4.61%$3.9M90.1%
USDCViewEthereum· USDC/steakEURCV4.60%$1.2M90.1%
USDCViewEthereum· USDC/LBTC4.60%$313K84.7%
USDCViewEthereum· USDC/WETH4.57%$896K90.1%
USDCViewEthereum· USDC/AA_FalconXUSDC4.53%$1.0M87.1%
USDCViewEthereum· USDC/PRIME4.52%$307K90.8%
USDCViewEthereum· USDC/cbBTC4.50%$34.1M90.1%
USDCViewEthereum· USDC/wstETH4.50%$3.2M90.1%
USDCViewEthereum· USDC/WBTC4.50%$153K90.1%
USDCViewEthereum· USDC/wstETH4.50%$1.2M90.1%
USDCViewEthereum· USDC/WBTC4.50%$12.9M90.1%
USDCUSD CoinViewBase· USDC/sUSN4.34%$373K89.7%
USDCViewHyperEVM· USDC/WHYPE4.32%$1.2M86.4%
USDCViewEthereum· USDC/cbBTC4.31%$99K90.3%
USDCViewEthereum· USDC/wsrUSD4.31%$1.6M82.2%
USDCViewEthereum· USDC/rETH4.22%$311K90.1%
USDCViewHyperEVM· USDC/kHYPE4.22%$1.1M84.4%
USDCViewHyperEVM· USDC/kHYPE4.18%$1.6M83.8%
USDCUSD CoinViewBase· USDC/USDe4.15%$37.2M90.3%
USDCViewEthereum· USDC/PT-sUSDS-26NOV20264.12%$1.7M90.3%
PYUSDPayPal USDViewEthereum· PYUSD/syrupUSDC4.04%$6.2M90.0%
USDCViewEthereum· USDC/stUSDS3.98%$825K89.8%
USDSViewEthereum· USDS/cbBTC3.96%$232K90.4%
USDCViewEthereum· USDC/wJAAA3.94%$235K90.3%
PYUSDPayPal USDViewEthereum· PYUSD/cbBTC3.93%$165K90.3%
PYUSDPayPal USDViewEthereum· PYUSD/WBTC3.85%$117K90.2%
USDCViewEthereum· USDC/apyUSD3.82%$3.3M82.0%
USDCViewEthereum· USDC/PT-fxSAVE-29OCT20263.79%$117K89.0%
USDSViewEthereum· USDS/stUSDS3.76%$100K90.0%
USDCViewEthereum· USDC/PT-sUSDE-26NOV20263.73%$753K90.6%
PYUSDPayPal USDViewEthereum· PYUSD/sUSDe3.73%$11.6M89.4%
RLUSDViewEthereum· RLUSD/USDe3.67%$5.8M90.1%
USDGGlobal DollarViewRobinhood Chain· USDG/syrupUSDG3.67%$14.4M89.1%
RLUSDViewEthereum· RLUSD/weETH3.65%$13.2M87.1%
RLUSDViewEthereum· RLUSD/syrupUSDC3.64%$227K81.2%
USDGGlobal DollarViewRobinhood Chain· USDG/USDe3.62%$44.5M87.4%
USDSViewEthereum· USDS/PT-sUSDS-26NOV20263.60%$431K90.2%
USDTTether USDViewEthereum· USDT/PT-sUSDS-26NOV20263.56%$740K85.3%
USDTTether USDViewEthereum· USDT/reUSD3.54%$232K78.9%
PYUSDPayPal USDViewEthereum· PYUSD/kBTC3.50%$17.2M87.8%
USDTTether USDViewEthereum· USDT/sUSDai3.45%$2.4M74.5%
USDTTether USDViewEthereum· USDT/PT-USDat-14JAN20273.41%$4.0M74.5%
USDGGlobal DollarViewArbitrum One· USDG/syrupUSDG3.23%$3.6M91.0%
USDCViewEthereum· USDC/PT-apxUSD-5NOV20263.12%$239K85.7%
USDTTether USDViewEthereum· USDT/XAUt3.09%$568K82.0%
RLUSDViewEthereum· RLUSD/kBTC3.08%$29.0M88.0%
USDGGlobal DollarViewRobinhood Chain· USDG/spUSDG2.72%$907K90.0%
USDCUSD CoinViewBase· USDC/cbADA2.61%$262K76.3%
USDTTether USDViewEthereum· USDT/weETH2.55%$285K85.1%
USDTTether USDViewEthereum· USDT/sUSDS2.52%$6.0M90.0%
USDTTether USDViewEthereum· USDT/WBTC2.52%$1.2M84.7%
USDTTether USDViewEthereum· USDT/cbBTC2.52%$2.2M84.7%
USDTTether USDViewEthereum· USDT/wstETH2.52%$490K85.1%
USDTTether USDViewEthereum· USDT/wstETH2.50%$22.4M85.1%
USDTTether USDViewEthereum· USDT/WBTC2.50%$14.1M85.0%
USDTTether USDViewEthereum· USDT/sUSDS2.50%$2.5M85.1%
USDCUSD CoinViewBase· USDC/cbXRP2.41%$444K73.3%
USDCViewArbitrum One· USDC/wstETH2.41%$251K79.5%
USDCViewArbitrum One· USDC/WBTC2.41%$431K79.7%
USDTTether USDViewEthereum· USDT/weETH2.40%$807K82.7%
USDCViewArc· USDC/cirBTC2.25%$14.1M92.8%
RLUSDViewEthereum· RLUSD/WBTC2.04%$3.0M87.8%
USDCViewEthereum· USDC/PT-USD3-17DEC20261.94%$737K60.0%
USDCViewEthereum· USDC/fxSAVE1.91%$11.7M62.5%
PYUSDPayPal USDViewEthereum· PYUSD/mWIN1.26%$606K90.2%
USDTTether USDViewEthereum· USDT/PST0.00%$999K0.0%
Spark6 marketsBest 3.56%USDCExpand

A lending protocol on Ethereum, tied to the Sky ecosystem. Also sourced from DefiLlama. The list excludes pure collateral assets — their supply rate is 0, and listing them would only clutter the table.

AssetPlatformAnnualizedAvailableUtilization
USDCViewEthereum· sparklend3.56%$4.7M—
USDTViewEthereum· sparklend3.40%$15.9M—
DAIViewEthereum· sparklend2.85%$76.0M—
USDSViewEthereum· sparklend2.70%$390.2M—
RLUSDViewEthereum· sparklend1.74%$15.1M—
PYUSDViewEthereum· sparklend0.85%$77.5M—

Lending protocols on other chains

Lending protocols on non-EVM chains: Solana, BNB Chain, Sui. Moving funds across chains costs extra and takes time, so this column suits people who already hold assets on that chain.

Kamino (Solana)22 marketsBest 8.11%FDUSDExpand

A lending protocol on Solana, organized by Market. This list takes a few of the most liquid markets from the protocol's list, not all of them.

AssetPlatformAnnualizedAvailableUtilization
FDUSDViewSolana· SOL/BTC Market8.11%$12K70.1%
USDCViewSolana· Altcoins Market6.73%$116K58.2%
PYUSDViewSolana· JLP Market6.72%$40K96.7%
USDTViewSolana· Fartcoin Market6.15%$7K73.6%
USDTViewSolana· JLP Market5.08%$92K95.0%
USDSViewSolana· SOL/BTC Market4.80%$155K94.8%
USDTViewSolana· SOL/BTC Market4.69%$769K93.7%
USDGViewSolana· SOL/BTC Market4.57%$3.2M92.5%
USDGViewSolana· JLP Market4.57%$37K93.5%
USDCViewSolana· JLP Market4.32%$1.5M92.8%
USDCViewSolana· SOL/BTC Market4.32%$13.3M90.0%
PYUSDViewSolana· Ethena Market4.16%$4.2M95.3%
PYUSDViewSolana· SOL/BTC Market4.04%$4.1M87.3%
USD1ViewSolana· SOL/BTC Market3.60%$12K59.8%
USDTViewSolana· Ethena Market3.45%$1369.8%
USDCViewSolana· Fartcoin Market1.41%$16K22.1%
PYUSDViewSolana· Altcoins Market0.03%$15K4.0%
USDCViewSolana· Ethena Market0.00%$00.0%
USDeViewSolana· Ethena Market0.00%$126.7M0.0%
sUSDeViewSolana· Ethena Market0.00%$16K0.0%
USDCViewSolana· SOL/BTC Market0.00%$00.0%
USDCViewSolana· SOL/BTC Market0.00%$00.0%
Venus (BNB Chain)2 marketsBest 2.43%DAIExpand

A lending protocol on BNB Chain whose rate floats with utilization. VN token amounts are denominated in vToken, which has a different precision from the underlying asset; the actual utilization is derived as “borrows / (cash + borrows)”.

AssetPlatformAnnualizedAvailableUtilization
DAIDai TokenViewBNB Chain· Venus DAI2.43%$775K51.7%
FDUSDFirst Digital USDViewBNB Chain· Venus FDUSD2.37%$3.1M51.1%
Navi (Sui)3 marketsBest 5.17%USDCExpand

A lending protocol on Sui. The rate the protocol reports is a 1e27-scaled integer, converted here to an annualized decimal.

AssetPlatformAnnualizedAvailableUtilization
USDCViewSui· Navi Lending5.17%$7.4M76.9%
USDTViewSui· Navi Lending0.93%$1.7M20.3%
FDUSDViewSui· Navi Lending0.53%$20K14.6%
Other Assets20 marketsBest 16.54%mUSDExpand

Deposit rates for non-stablecoins. The figures can be high, but the principal itself moves, so these annualized rates are not directly comparable with stablecoins.

AssetPlatformAnnualizedAvailableUtilization
mUSDMetaMask USDViewEthereum· AaveV3Ethereum16.54%$4K85.9%
AUSDViewEthereum· AUSD/sUSDai14.51%$229K92.7%
apxUSDViewEthereum· apxUSD/PT-apyUSD-5NOV202610.25%$1.0M83.2%
apxUSDViewEthereum· apxUSD/apyUSD10.14%$629K90.3%
AUSDViewMonad· AUSD/strUSD8.55%$610K91.1%
USDtbViewEthereum· USDtb/sUSDe8.06%$87K91.2%
AUSDViewMonad· AUSD/naccUSDC7.80%$179K90.5%
USDT0ViewStable· USDT0/sthUSD7.58%$1.9M88.6%
EURmMento EuroViewCelo· AaveV3Celo7.50%$1K90.6%
USD₮0ViewHyperEVM· USD₮0/kHYPE7.24%$790K86.0%
USD₮0ViewHyperEVM· USD₮0/UBTC7.18%$183K85.6%
USD₮0ViewHyperEVM· USD₮0/WHYPE7.16%$691K85.3%
AUSDViewMonad· AUSD/mROX5.82%$575K91.1%
AUSDViewEthereum· AUSD/PST5.59%$639K90.2%
AUSDViewMonad· AUSD/siUSD5.42%$254K91.3%
AUSDViewAvalanche· AaveV3Avalanche4.96%$13K90.3%
AUSDViewEthereum· AUSD/sUSDai4.93%$703K90.4%
AUSDViewMonad· AUSD/YZM4.83%$109K89.5%
msUSDMetronome Synth USDViewEthereum· msUSD/siUSD4.35%$104K93.3%
EURCViewSolana· SOL/BTC Market4.32%$81K83.1%