USDAI — 5.66% APY Staking Pool

Stablecoin

The USDAI pool on Pendle (Arbitrum) currently yields 5.66% APY with $35.88M in total value locked. Deposit your USDAI and earn passive DeFi yield — no KYC, no lockup, self-custodied.

By APY Hub · Reviewed by Ankit Sharma · Last reviewed: May 2026

Start Earning 5.66%

Pool Statistics

APY

5.66%

Base APY

5.66%

TVL

$35.88M

Protocol

Pendle

Chain

Arbitrum

Tokens

USDAI

Get Exchange Bonus — Buy USDAI

Affiliate disclosure: APY Hub may earn a commission from partner links on this page. Bonuses and rates are subject to each exchange's terms; verify current offers before depositing.

Tangem

Safe wallet

10% discount

Ledger

Secure hardware wallet

Fast delivery

APY & TVL History

Historical APY and TVL data for USDAI, sourced from the DeFiLlama API. Use the charts to assess whether the current yield is a recent spike or a sustained rate. Sudden APY jumps often indicate new incentive programs — verify whether they are ongoing before making deposit decisions.

About USDAI

The USDAI pool is a decentralized yield-generating position managed by the Pendle protocol on the Arbitrum blockchain. Depositors provide USDAI liquidity and receive a share of the fees and rewards generated by pool activity — with no intermediaries, no KYC, and full on-chain transparency.

With 5.66% APY and $35.88M in total value locked, this pool represents an active liquidity opportunities in the Arbitrum DeFi ecosystem. The TVL figure reflects real user confidence — every dollar locked is a deposit from someone who chose this pool over thousands of alternatives.

How This Pool Generates Yield

Yield in USDAI comes from trading fees and protocol activity (5.66% base APY). This fee-based yield is more sustainable than token-emission models since it directly reflects real economic activity through the pool.

Unlike centralized staking on exchanges, your deposit in USDAI is secured by Pendle's open-source smart contracts on Arbitrum. You can verify the exact contract addresses, see every transaction in the pool, and withdraw your position at any time without requiring anyone's permission.

Who Should Use USDAI?

This pool suits investors who already hold USDAI and want to put those assets to work beyond simply holding. As a stablecoin pool, it offers yield without price volatility risk on the principal — ideal for conservative DeFi participants.

How to Stake USDAI in Pendle

Get Exchange Bonus

Follow these steps to start earning 5.66% APY in the USDAI pool. The entire process takes 15–30 minutes for first-time DeFi users.

Step-by-Step Guide: Staking USDAI in Pendle
Step	Action	Details & Tips
1	Buy USDAI	Purchase on Bybit, BINGX, or MEXC. Choose the Arbitrum network for withdrawal to save bridging fees.
2	Set up a wallet	Install MetaMask or use a Ledger hardware wallet. Add the Arbitrum network if not auto-detected.
3	Get Arbitrum for gas	Buy a small amount of Arbitrum's native token to pay transaction fees (usually $1–10 worth).
4	Connect to Pendle	Visit the official Pendle app. Bookmark the URL. Never use links from DMs or social media.
5	Approve & deposit	Approve the token spend, confirm the deposit transaction. Yield starts accruing in the next block.
6	Track & harvest	Check back regularly. Some pools require manual reward claims — harvest and reinvest to maximize APY.

Gas Costs and Break-Even

On Arbitrum, expect to spend approximately $0.10–$2 in gas for the deposit and withdrawal transactions combined. At 5.66% APY, a $32222 deposit recovers $5 in gas within a week. Scale your position accordingly — smaller deposits are better suited to low-fee chains.

Risk Assessment — USDAI

Every DeFi investment involves risk. The table below summarizes the key risk factors specific to the USDAI pool. Read carefully before depositing.

USDAI — Full Risk Analysis
Risk Factor	Level	Description
Impermanent Loss	✅ Low/None	Single-asset or stablecoin pool — impermanent loss risk is minimal or non-existent.
Asset Price Risk	🟢 Low	Stablecoin — principal value is stable regardless of crypto market moves.
Exposure Type	🟢 Single Asset	You're exposed to one asset — simpler risk profile, no price divergence between paired tokens.
Smart Contract	⚠️ Inherent	All DeFi protocols carry smart contract risk. Verify Pendle's audit history before depositing.
Liquidity Risk	🟢 Adequate	$35.88M TVL supports normal-size positions without significant slippage.
Protocol Risk	🟡 Verify audits	Review Pendle's documentation, audit reports, and community reputation before committing large positions.

Frequently Asked Questions

What is the current APY for USDAI?

The current APY for the USDAI pool on Pendle is 5.66%. This rate updates daily based on pool utilization, trading volume, and protocol incentives. Always verify the live rate on the Pendle interface before depositing, as rates can shift significantly within hours.

What is the TVL of USDAI?

The total value locked (TVL) in the USDAI pool is currently $35.88M. Higher TVL indicates greater user trust and deeper liquidity — larger positions can enter and exit with minimal price impact.

How do I stake in USDAI?

Acquire USDAI on a CEX like Bybit or BINGX, withdraw to a Arbitrum-compatible wallet, visit the official Pendle interface, connect your wallet, and deposit into the USDAI pool. Your yield begins accruing immediately.

Is USDAI safe to use?

Pendle is a DeFi protocol. As with all DeFi, smart contract risk is inherent. Check Pendle's audit history before depositing significant funds.

How do I withdraw from USDAI?

Connect your wallet to the Pendle interface, navigate to your position, and select "Withdraw" or "Remove Liquidity." Your principal plus accrued yield returns to your wallet, minus gas fees on the Arbitrum network.

Buy USDAI and Start Earning Today