Navi Lending — Staking Pools & DeFi Yield

Explore all yield opportunities on Navi Lending — 31 active pools across 1 blockchain with a combined TVL of $154.93M. Find the best Navi Lending pool for your risk profile and start earning passive DeFi income today.

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Protocol Overview

Total Pools

Total TVL

$154.93M

Best APY

18.52%

Chains

Stable Pools

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Top Navi Lending Pools

The table below shows up to 20 of Navi Lending's highest-TVL pools. Click any pool for its full APY history, risk analysis, and step-by-step staking guide.

Pool	Chain	APY	TVL	Tags
ENZOBTC	Sui	0.00%	$33.22M
HASUI	Sui	1.19%	$26.49M
MBTC	Sui	0.00%	$22.91M
BUCK	Sui	0.12%	$20.85M	Stable
VSUI	Sui	1.12%	$10.18M
SUI	Sui	2.90%	$5.22M
USDC	Sui	4.35%	$4.82M	Stable
DEEP	Sui	15.65%	$4.18M
LBTC	Sui	1.80%	$3.44M
SUIETH	Sui	0.65%	$3.20M
WBTC	Sui	0.39%	$3.03M
WAL	Sui	16.85%	$3.00M
USDY	Sui	3.02%	$2.35M	Stable
XBTC	Sui	4.54%	$2.20M
NAVX	Sui	0.02%	$2.10M
XAUM	Sui	3.38%	$1.77M
SUIUSDT	Sui	4.03%	$1.55M	Stable
XAUM	Sui	4.55%	$1.28M
NS	Sui	18.52%	$617.2K
YBTC.B	Sui	0.00%	$562.8K

View all 31 Navi Lending pools →

About Navi Lending

Navi Lending is a decentralized finance protocol operating across Sui. The protocol enables crypto holders to earn yield through automated smart contracts — no custodians, no KYC, and full transparency via on-chain data.

With $154.93M in total TVL across 31 pools, Navi Lending represents a significant segment of the DeFi yield landscape. Users interact directly with the protocol's smart contracts via any compatible Web3 wallet, maintaining full custody of their assets throughout.

How Navi Lending Generates Yield

Navi Lending creates yield for depositors through diverse pool mechanics. Yield sources include trading fees from every swap routed through liquidity pools, interest paid by borrowers in lending markets, and protocol incentive distributions to attract and retain liquidity. The specific yield source varies by pool — check each pool's APY breakdown (Base APY vs. Reward APY) to understand where the yield comes from.

Base APY represents sustainable fee income; Reward APY comes from token incentives that can change as protocol programs evolve. For long-term positions, prioritize pools with strong base APY. For short-term yield farming, high-reward-APY pools can be lucrative if entered and exited strategically before incentive programs wind down.

Navi Lending Across Blockchains

Navi Lending is primarily deployed on Sui, with 31 pools available. The protocol takes advantage of this network's specific capabilities to deliver competitive yields to liquidity providers.

Security & Risk Profile

Before depositing into any Navi Lending pool, assess the specific risks. Pools with the IL tag involve multi-asset positions where price divergence can reduce your effective return. Pools with the Stable tag use stablecoin assets, minimizing price volatility risk on your principal. All DeFi pools carry inherent smart contract risk — verify Navi Lending's audit status from their official documentation before depositing large amounts.

Navi Lending Pool Risk Summary
Pool Type	APY Range	IL Risk	Recommended For
Stablecoin pools	3–15% typical	None	Conservative yield, capital preservation
Single-asset pools	Varies	None	Yield on existing holdings without ratio risk
Multi-asset AMM pools	Higher	Moderate–High	Active yield farmers comfortable with IL

How to Use Navi Lending Effectively

To maximize returns on Navi Lending: start with pools that have high TVL (lower exit slippage), check whether APY is fee-based or emission-based, and review the protocol's incentive program timeline. For multi-asset pools, calculate your expected IL at various price scenarios before committing — many DeFi calculators are available online for this purpose.

For tax purposes, each reward claim from Navi Lending pools is typically a taxable event in most jurisdictions. Keep records of your deposits, withdrawals, and reward harvests with timestamps and USD values at the time of each transaction.

Frequently Asked Questions

What is Navi Lending?

Navi Lending is a DeFi protocol offering 31 yield pools across 1 blockchain networks. It enables crypto holders to earn passive yield through stablecoin pools, liquidity provision, and protocol incentives. Total TVL across all Navi Lending pools is $154.93M.

What is the best APY on Navi Lending?

The highest current APY on Navi Lending tracked by APY Hub is 18.52%. Rates vary by pool and change daily based on utilization, trading volume, and incentive programs. Browse all Navi Lending pools sorted by APY to find the current best opportunity.

How do I stake on Navi Lending?

To start earning on Navi Lending: acquire the required tokens from an exchange, set up a Sui wallet, visit the official Navi Lending app, connect your wallet, select a pool, and deposit. Your yield begins accruing immediately with no lockup period in most pools.

Is Navi Lending audited and safe?

Most established DeFi protocols like Navi Lending conduct regular security audits. Verify audit status on the official Navi Lending documentation or their GitHub repository. The protocol's TVL of $154.93M indicates significant user trust, but always check audits and never invest more than you can afford to lose.

On which blockchains does Navi Lending operate?

Navi Lending is deployed on Sui. Cross-chain deployments allow users to access Navi Lending pools on the chain with the most suitable fees and liquidity for their needs.

Navi Lending Tokens Available on These Exchanges