Best USDS interest rates (November 2026)
Right now 8 USDS pools pass our safety filters. The best 30-day average is 5.72% on Sky Lending (Ethereum), and the middle of the pack earns about 3.77%.
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
8 options match
- 1
Sky Lending
USDS · Ethereum
5.72%30d avg
Now 5.96%TVL $145.9MSteadyDetails
- Note
- GROVE Farming Pool
- Reward tokens
- 5.96% of the rate is paid in reward tokens, which can fall in price.
- Source
- DefiLlama pool page ↗Sky Lending website ↗
- 2
SparkLend
USDS · Ethereum
4.14%30d avg
Now 3.49%TVL $552.4MFallingDetails
- Note
- SPK Farming Pool
- Reward tokens
- 3.49% of the rate is paid in reward tokens, which can fall in price.
- Source
- DefiLlama pool page ↗SparkLend website ↗
- 3
Spark Savings
USDS · Arbitrum
3.77%30d avg
Now 3.80%TVL $476.2MSteadyDetails
- 4
Spark Savings
USDS · Base
3.77%30d avg
Now 3.80%TVL $12.1MSteadyDetails
- 5
Sky Lending
SUSDS · Ethereum
3.77%30d avg
Now 3.80%TVL $4.48BSteadyDetails
- 6
Sky Lending
SUSDS · Arbitrum
3.77%30d avg
Now 3.80%TVL $476.2MSteadyDetails
- 7
Centrifuge Protocol
USDS · Ethereum
3.76%30d avg
Now 6.21%TVL $97.2MRisingDetails
- Note
- Janus Henderson Treasury Fund
- Source
- DefiLlama pool page ↗Centrifuge Protocol website ↗
- 8
SparkLend
USDS · Ethereum
2.70%30d avg
Now 2.94%TVL $337.9MSteadyDetails
Is earning interest on USDS safe?
Safer is not safe. Every pool here is a smart contract that could have a bug, and USDS itself could lose its $1 peg if Sky 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 "USDS" include vaults and wrapped versions built on USDS, which add their own manager or strategy risk. Read the full risk explainer.
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