USDAI — 5.66% APY Staking Pool

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: July 2026 · Data: DeFiLlama · Updated every 4h

APY data sourced from DeFiLlama. Not financial advice — verify rates before depositing.

Pool Statistics

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

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 1: Buy USDAI

Purchase USDAI on Bybit, BINGX, or MEXC. Choose the Arbitrum network for withdrawal to avoid bridging fees. Confirm the network before completing the transfer.

Step 2: Set Up a Wallet

Install MetaMask or use a Ledger hardware wallet. Add the Arbitrum network if it is not detected automatically. Never store your seed phrase digitally.

Step 3: Get Arbitrum for Gas

Buy a small amount of Arbitrum's native token to pay transaction fees — usually $1–10 worth is sufficient for several transactions.

Step 4: Connect to Pendle

Visit the official Pendle app. Bookmark the URL directly. Never click links from DMs, social media, or email — phishing sites mimic real protocols exactly.

Step 5: Approve and Deposit

Approve the token spend in your wallet, then confirm the deposit transaction. Yield begins accruing in the next block after confirmation.

Step 6: Track and Harvest

Check your position regularly. Some pools require manual reward claims — harvest and reinvest to compound your 5.66% APY over time.

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 ~$35 in gas within a week (≈ $5/day in yield). Scale your position accordingly — smaller deposits are better suited to low-fee chains.

Risk Assessment — USDAI

Every DeFi investment involves risk. Key risks for this pool:

• Smart Contract Risk — All DeFi protocols carry smart contract risk. Verify Pendle's audit history and bug bounty program before depositing.
• Liquidity Risk — Current TVL of $35.88M supports normal-size positions without significant slippage on entry or exit.
• Impermanent Loss — Single-asset or stablecoin pool — impermanent loss risk is minimal or non-existent for this pool type.
• Asset Price Risk — Stablecoin pool — principal value is stable regardless of broader crypto market moves.
• Protocol Risk — Review Pendle's documentation, audit reports, and community reputation before committing large positions.

Frequently Asked Questions