USDY — 3.55% APY Staking Pool

Stablecoin

The USDY pool on Ondo Yield Assets (Sei) currently yields 3.55% APY with $108.69M in total value locked. Deposit your USDY and earn passive DeFi yield — no KYC, no lockup, self-custodied.

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

Start Earning 3.55%

Pool Statistics

APY

3.55%

Base APY

3.55%

TVL

$108.69M

Protocol

Ondo Yield Assets

Chain

Sei

Tokens

USDY

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APY & TVL History

Historical APY and TVL data for USDY, 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 USDY

The USDY pool is a decentralized yield-generating position managed by the Ondo Yield Assets protocol on the Sei blockchain. Depositors provide USDY 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 3.55% APY and $108.69M in total value locked, this pool represents one of the larger and more established liquidity opportunities in the Sei 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 USDY comes from trading fees and protocol activity (3.55% 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 USDY is secured by Ondo Yield Assets's open-source smart contracts on Sei. 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 USDY?

This pool suits investors who already hold USDY 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 USDY in Ondo Yield Assets

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Follow these steps to start earning 3.55% APY in the USDY pool. The entire process takes 15–30 minutes for first-time DeFi users.

Step-by-Step Guide: Staking USDY in Ondo Yield Assets
Step	Action	Details & Tips
1	Buy USDY	Purchase on Bybit, BINGX, or MEXC. Choose the Sei network for withdrawal to save bridging fees.
2	Set up a wallet	Install MetaMask or use a Ledger hardware wallet. Add the Sei network if not auto-detected.
3	Get Sei for gas	Buy a small amount of Sei's native token to pay transaction fees (usually $1–10 worth).
4	Connect to Ondo Yield Assets	Visit the official Ondo Yield Assets 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 Sei, expect to spend approximately $2–$30 in gas for the deposit and withdrawal transactions combined. At 3.55% APY, a $51408 deposit recovers $5 in gas within a week. Scale your position accordingly — smaller deposits are better suited to low-fee chains.

Risk Assessment — USDY

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

USDY — 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. Ondo Yield Assets has processed billions in TVL, suggesting extensive battle-testing.
Liquidity Risk	🟢 Adequate	$108.69M TVL supports normal-size positions without significant slippage.
Protocol Risk	🟢 Established	Ondo Yield Assets has sustained significant TVL over time, indicating strong market confidence.

Frequently Asked Questions

What is the current APY for USDY?

The current APY for the USDY pool on Ondo Yield Assets is 3.55%. This rate updates daily based on pool utilization, trading volume, and protocol incentives. Always verify the live rate on the Ondo Yield Assets interface before depositing, as rates can shift significantly within hours.

What is the TVL of USDY?

The total value locked (TVL) in the USDY pool is currently $108.69M. Higher TVL indicates greater user trust and deeper liquidity — larger positions can enter and exit with minimal price impact.

How do I stake in USDY?

Acquire USDY on a CEX like Bybit or BINGX, withdraw to a Sei-compatible wallet, visit the official Ondo Yield Assets interface, connect your wallet, and deposit into the USDY pool. Your yield begins accruing immediately.

Is USDY safe to use?

Ondo Yield Assets is a well-established protocol with significant TVL and a proven track record. As with all DeFi, smart contract risk is inherent. Check Ondo Yield Assets's audit history before depositing significant funds.

How do I withdraw from USDY?

Connect your wallet to the Ondo Yield Assets 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 Sei network.

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