DeFi Staking Pools for Pt — Compare APY & TVL

Explore 20 DeFi yield opportunities across protocols and blockchains. Sort by APY or TVL, filter by chain or protocol, and click any pool to see its full history, risk profile, and step-by-step staking guide. Data sourced from DeFiLlama, updated daily.

Sort by: TVL ↓ APY ↓
PoolProtocolChain APY ↕ TVL ↕ Tags
PT SUSDE 7MAY2026 Aave V3 Ethereum 0.00% $185.66M IL
PT USDG 28MAY2026 Morpho V1 Ethereum 0.00% $14.77M IL
PT REUSD 25JUN2026 Morpho V1 Ethereum 0.00% $14.66M IL
PT SRUSDE 2APR2026 Morpho V1 Ethereum 0.00% $13.96M IL
PT USDE 7MAY2026 Aave V3 Ethereum 0.00% $10.98M IL
PT SAVUSD 14MAY2026 Morpho V1 Ethereum 0.00% $6.07M IL
PT AVUSD 14MAY2026 Morpho V1 Ethereum 0.00% $5.63M IL
SY AVLT Merkl Hyperliquid L1 6.63% $3.78M IL
SY SAVUSD Merkl Ethereum 0.00% $3.39M IL
PT USDAI 18JUN2026 Morpho V1 Arbitrum 0.00% $3.29M IL
PT SRNUSD 28MAY2026 Morpho V1 Ethereum 0.00% $3.05M IL
SPT PT IBT Merkl Avalanche 0.00% $2.90M IL
PT SW AVUSD(AVUSD) 2026 05 15 Merkl Avalanche 0.00% $2.81M IL
PT SNUSD 4JUN2026 Morpho V1 Ethereum 0.00% $2.62M IL
PLP DETH 23APR2026 Merkl Ethereum 0.00% $2.51M IL
PT SIUSD 26MAR2026 Morpho V1 Ethereum 0.00% $2.37M IL
PLP AVUSD 14MAY2026 Merkl Ethereum 0.00% $2.34M IL
PT KHYPE 19MAR2026 Morpho V1 Hyperliquid L1 0.00% $1.74M IL
PT KHYPE 19MAR2026 Hypurrfi Pooled Hyperliquid L1 0.00% $1.54M IL
PT USDG 28MAY2026 Morpho V1 Ethereum 0.00% $1.46M IL

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How to Read the Pool Table

Each row in the table above represents a single DeFi liquidity pool or staking opportunity. Here's how to interpret what you see:

APY (Annual Percentage Yield)

The annualized return if the current rate holds for 12 months, including compounding. This number fluctuates daily — sometimes hourly — based on trading volume, liquidity, and protocol incentives. Higher APY typically means higher risk or higher utilization. Always verify the current rate on the protocol's own interface before depositing.

TVL (Total Value Locked)

The total USD value of assets deposited in the pool at current market prices. TVL is a proxy for trust and liquidity depth. A pool with $500M TVL will let you enter and exit large positions with minimal slippage. A pool with $50K TVL is illiquid — a $10K deposit could shift the price significantly.

Risk Tags

TagMeaningWhat to Watch
StableStablecoin pool — low price volatilitySmart contract risk, depegging events
ILImpermanent loss risk — multi-asset poolPrice divergence between paired assets
Multi3+ assets in the poolComplex rebalancing, higher gas costs

DeFi Staking Strategies by Risk Tolerance

Not every DeFi pool suits every investor. Your optimal strategy depends on your risk tolerance, the assets you hold, and how actively you want to manage your position. Here's a framework for choosing the right type of pool.

Conservative: Stablecoin Lending and Stable AMMs

If protecting principal is your priority, stablecoin pools are your best option. Lending USDC on Aave or providing USDC/USDT liquidity on Curve eliminates most of the price risk while still earning 3–15% APY — well above traditional savings accounts. The main risks are smart contract failure (mitigated by using well-audited, high-TVL protocols) and stablecoin depegging events.

Filter to see only stable pools: use the sort controls above to find stablecoin opportunities. The Stable tag identifies these pools in the table.

Moderate: Blue-Chip Asset Pools

Providing liquidity with ETH, WBTC, or other top-10 assets on established protocols like Uniswap V3, Curve, or Balancer offers higher yields than stablecoin positions while maintaining exposure to assets you'd hold anyway. The risk here is impermanent loss — if ETH doubles versus USDC in a pool, you'll have less ETH than you started with, even though your dollar value increased. For long-term ETH bulls, this can reduce effective ETH accumulation.

Aggressive: High-APY Protocol Incentive Pools

Newer protocols or small-cap token pools frequently offer APYs of 100–1,000%+ to attract initial liquidity. These rates are almost always driven by token emissions — the protocol pays you in its own governance token. When the incentive program ends or the token price drops, APY collapses. These pools suit short-term yield farming strategies where you monitor positions actively and exit before the music stops.

DeFi Risk-Return Framework
ProfileIdeal PoolsExpected APYManagement
ConservativeStablecoin lending/AMM, liquid staking3–15%Set and forget (monthly check)
ModerateETH/BTC pairs, yield aggregators10–40%Weekly monitoring
AggressiveIncentive pools, new protocols40–500%+Daily active management

Understanding Pool Fees and Costs

Yield is only part of the equation — the cost of entering, managing, and exiting a DeFi position can significantly impact net returns, especially for smaller positions.

Protocol Fees

Most AMM protocols charge a swap fee on every trade through the pool (typically 0.01–1% depending on the pool tier). A portion of this fee goes to liquidity providers as yield. Lending protocols charge a spread between supply and borrow rates. Both are already factored into the displayed APY — no hidden charges on the yield side.

Gas Fees

Every blockchain interaction (deposit, withdrawal, reward claim) requires a gas fee paid in the native token. On Ethereum mainnet, gas can range from $5–$50 per transaction. On L2s like Arbitrum or Base, gas is typically $0.05–$1. For small positions (under $500), mainnet gas can eat a significant portion of yields — consider L2 pools instead.

Break-Even Analysis

Before depositing, calculate your break-even point: (gas cost to enter + exit) ÷ (daily yield). If gas costs $20 total and your pool earns $2/day, you break even in 10 days. Pools with higher APY break even faster, making gas efficiency less critical.

Frequently Asked Questions

What is the highest APY in DeFi right now?

APY Hub currently tracks 20 pools. Yields range from 1% for conservative stablecoin strategies to 1,000%+ for high-risk incentive pools. Sort by APY to see the highest available rates — but always check TVL and protocol reputation before depositing.

How is DeFi APY calculated?

APY is calculated from the annualized yield of the pool based on recent fee income, token incentives, and compounding frequency. For a pool earning 0.1% per day, the annualized APY is approximately 44% (1.001^365 - 1). Rates update daily as on-chain activity changes.

What is a safe TVL for a DeFi pool?

There is no universal threshold, but pools with $10M+ TVL have demonstrated significant user trust. Pools above $100M TVL have passed market tests across multiple cycles. Below $1M TVL, liquidity is thin and exit may cause slippage.

What do the Stable and IL tags mean?

"Stable" means the pool uses stablecoin assets — price risk on the principal is minimal. "IL" means the pool is at risk of impermanent loss — a multi-asset pool where token prices can diverge, reducing your effective yield or even causing losses relative to simply holding.

Can I lose money in a DeFi staking pool?

Yes. You can lose principal through smart contract exploits, impermanent loss, oracle attacks, or rug pulls on newer protocols. You can also lose value if the deposited asset's price drops significantly. Always start with established protocols, understand the risk tags, and never invest more than you can afford to lose.

Best Platforms to Start Earning

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.

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