Best DAI interest rates (November 2026)
Right now 4 DAI pools pass our safety filters. The best 30-day average is 4.56% on sDAI (Gnosis), and the middle of the pack earns about 3.33%.
Last updated · refreshes hourly · Data: DefiLlama ↗
New to this? Read the 30-second versionQuick explainer
- A stablecoin is a token built to stay worth $1. You can lend it out or deposit it in a protocol and earn interest, paid by borrowers or by what the protocol does with the money.
- We rank by the 30-day average (APY), not today's rate, because rates jump around. Tap + on any row for the risks and a link to the source.
- Higher rates usually mean more risk. None of this is insured like a bank account.
Guide: How stablecoin yields work →How to read these tablesGlossary
4 options match
- 1
sDAI
SDAI · Gnosis
4.56%30d avg
Now 4.78%TVL $38.6MSteadyDetails
- Source
- DefiLlama pool page ↗
- 2
Aave V3
DAI · Ethereum
3.33%30d avg
Now 2.98%TVL $18.2MFallingDetails
- 3
SparkLend
DAI · Ethereum
2.84%30d avg
Now 3.09%TVL $72.4MSteadyDetails
- 4
Sky Lending
SDAI · Ethereum
1.25%30d avg
Now 1.25%TVL $188.0MSteadyDetails
Is earning interest on DAI safe?
Safer is not safe. Every pool here is a smart contract that could have a bug, and DAI itself could lose its $1 peg if Sky (formerly MakerDAO) or its backing runs into trouble. Pools with very high rates often pay part of the yield in reward tokens or lend to riskier borrowers. Pools listed under "DAI" include vaults and wrapped versions built on DAI, which add their own manager or strategy risk. Read the full risk explainer.
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