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Lãi suất DeFi (APY)

Gửi USDT, USDC, ETH… vào giao thức DeFi để nhận lãi: so sánh APY của 2.000 pool lớn trên các chuỗi. Cập nhật 1 giờ một lần.

Gửi trên sàn (Binance, OKX, Bybit, KuCoin, Gate) lãi bao nhiêu? →

Lãi stablecoin tiêu biểu
4,64%bình quân theo TVL, pool từ 10 triệu $
USDT lãi cao nhất
9,00%ZEROBASE CeDeFi · Ethereum (pool từ 10 triệu $)
Staking ETH
2,27%Lido (stETH)
Số pool theo dõi
2.000TVL từ 1 triệu $
Lãi cao = rủi ro cao. APY không cố định, thay đổi theo từng giờ. Phần “thưởng” trả bằng token của dự án, giá có thể giảm mạnh. Pool có rủi ro IL (tổn thất tạm thời) có thể lỗ khi giá hai token lệch nhau. Tiền gửi còn chịu rủi ro lỗi hợp đồng thông minh và bị tấn công. Không phải lời khuyên đầu tư.
PoolGiao thứcChuỗiTVLAPYGốc + thưởngTB 30 ngàyRủi ro
STETHLido · Ethereum LidoEthereum$22,75B 2,27% 2,27%2,26%—
WBETHBinance staked ETH · Ethereum Binance staked ETHEthereum$8,54B 2,18% 2,18%2,22%—
WEETHether.fi Stake · Ethereum ether.fi StakeEthereum$5,21B 2,37% 2,37%2,28%—
SUSDSSky Lending · Ethereum Sky LendingEthereum$4,72B 3,80% 3,80%3,74%—
USDC Syrup USDCMaple · Ethereum MapleEthereum$2,61B 5,06% 5,06%5,18%—
USYCCircle Usyc · BSC Circle UsycBSC$2,33B 3,62% 3,62%3,35%—
USDY US Dollar YieldOndo Yield Assets · Ethereum Ondo Yield AssetsEthereum$1,28B 3,74% 3,74%3,67%—
SUSDE 7 days unstakingEthena USDe · Ethereum Ethena USDeEthereum$1,19B 5,08% 5,08%4,99%—
RETHRocket Pool · Ethereum Rocket PoolEthereum$1,15B 1,82% 1,82%2,06%—
BNSOLBinance Staked SOL · Solana Binance Staked SOLSolana$1,09B 4,48% 4,48%4,56%—
JITOSOLJito Liquid Staking · Solana Jito Liquid StakingSolana$1,06B 4,88% 4,88%4,76%—
WETHAave V3 · Ethereum Aave V3Ethereum$973,27M 1,29% 1,29%1,35%—
BUIDLBlackrock Buidl · Aptos Blackrock BuidlAptos$967,94M 3,85% 3,85%3,07%—
RSETHKelp · Ethereum KelpEthereum$922,91M 2,44% 2,44%2,33%—
BUIDLBlackrock Buidl · Solana Blackrock BuidlSolana$878,04M 3,85% 3,85%3,33%—
KHYPEKinetiq kHYPE · Hyperliquid L1 Kinetiq kHYPEHyperliquid L1$830,21M 1,92% 1,92%2,02%—
USDG syrupUSDGMaple · Ethereum MapleEthereum$768,55M 4,77% 4,77%4,95%—
SLISBNBLista Liquid Staking · BSC Lista Liquid StakingBSC$764,74M 0,66% 0,66%0,83%—
USDT Syrup USDTMaple · Ethereum MapleEthereum$740,27M 4,97% 4,97%5,34%—
TRXJustLend V1 · Tron JustLend V1Tron$683,23M 0,31% 0,31%0,31%—
LSETHLiquid Collective · Ethereum Liquid CollectiveEthereum$644,40M 2,34% 2,34%2,39%—
LBTCLombard LBTC · Ethereum Lombard LBTCEthereum$602,03M 0,91% 0,91%0,45%—
USDEAave V3 · Plasma Aave V3Plasma$583,81M 0,24% 0,24%0,27%—
SKY SKY Staking EngineSky Lending · Ethereum Sky LendingEthereum$570,33M 4,66% 0,00% + 4,66%6,01%có thưởng
USDS SPK Farming PoolSparkLend · Ethereum SparkLendEthereum$557,16M 3,76% 0,00% + 3,76%4,34%có thưởng
SUSDAI 30d unlockUSD AI · Arbitrum USD AIArbitrum$556,17M 6,25% 6,25%6,70%—
METHmETH Protocol · Ethereum mETH ProtocolEthereum$555,21M 1,91% 1,91%2,04%—
STEAKUSDGMorpho Blue · Robinhood Chain Morpho BlueRobinhood Chain$543,05M 7,29% 4,11% + 3,18%7,05%có thưởng
USDTSpark Savings · Ethereum Spark SavingsEthereum$542,13M 3,75% 3,75%3,69%—
USDY US Dollar YieldOndo Yield Assets · Stellar Ondo Yield AssetsStellar$538,19M 3,74% 3,74%3,67%—
SPARKUSDCMorpho Blue · Base Morpho BlueBase$533,92M 4,52% 4,52%4,13%—
JUPSOLJupiter Staked SOL · Solana Jupiter Staked SOLSolana$532,42M 5,05% 5,05%5,36%—
USTBInvesco Ustb · Ethereum Invesco UstbEthereum$502,78M 3,85% 3,85%3,58%—
BUSD0Usual USD0 · Ethereum Usual USD0Ethereum$500,02M 5,12% 0,00% + 5,12%5,52%có thưởng
WBETHBinance staked ETH · BSC Binance staked ETHBSC$497,38M 2,18% 2,18%2,22%—
USDC EarnJupiter Lend · Solana Jupiter LendSolana$491,61M 5,18% 5,18%5,92%—
SXSRLUSDMorpho Blue · Ethereum Morpho BlueEthereum$482,08M 0,18% 0,18%0,15%—
BUIDLBlackrock Buidl · Avalanche Blackrock BuidlAvalanche$481,51M 3,85% 3,85%3,33%—
CBETHCoinbase Wrapped Staked ETH · Ethereum Coinbase Wrapped Staked ETHEthereum$464,82M 2,34% 2,34%2,29%—
SIRLOINUSDCMorpho Blue · Base Morpho BlueBase$462,29M 6,49% 3,93% + 2,56%5,76%có thưởng
PRIMEHastra · Ethereum HastraEthereum$442,87M 6,29% 6,29%6,16%—
SENRLUSDV2Morpho Blue · Ethereum Morpho BlueEthereum$440,51M 8,05% 5,32% + 2,72%6,11%có thưởng
GROVE-STEAKUSDCMorpho Blue · Base Morpho BlueBase$439,79M 5,03% 5,03%4,70%IL2+ token
USDDJustLend V1 · Tron JustLend V1Tron$405,89M 4,03% 0,00% + 4,03%4,01%có thưởng
GTUSDCPMorpho Blue · Base Morpho BlueBase$405,20M 5,04% 5,04%4,60%—
USDSSparkLend · Ethereum SparkLendEthereum$392,68M 2,69% 2,69%2,65%—
WBNBVenus Core Pool · BSC Venus Core PoolBSC$377,40M 0,02% 0,02%0,03%—
OSETHStakeWise V3 · Ethereum StakeWise V3Ethereum$372,89M 2,19% 2,19%2,29%—
SENPYUSDMAINMorpho Blue · Ethereum Morpho BlueEthereum$367,24M 5,35% 2,29% + 3,06%5,69%có thưởng
SUSDSSky Lending · Arbitrum Sky LendingArbitrum$364,39M 3,80% 3,80%3,74%—
USDSSpark Savings · Arbitrum Spark SavingsArbitrum$364,39M 3,80% 3,80%3,74%—
BNBLista Lending · BSC Lista LendingBSC$363,53M 0,21% 0,21%0,21%—
USDEMorpho Blue · Base Morpho BlueBase$363,14M 5,00% 0,00% + 5,00%4,83%có thưởng
USDEMorpho Blue · Robinhood Chain Morpho BlueRobinhood Chain$361,86M 5,00% 0,00% + 5,00%4,83%có thưởng
BTCBVenus Core Pool · BSC Venus Core PoolBSC$346,84M 0,15% 0,15%0,19%—
REUSDRe · Ethereum ReEthereum$342,44M 6,76% 6,76%6,88%—
LIQUIDETHether.fi Liquid · Ethereum ether.fi LiquidEthereum$327,49M 5,14% 5,14%3,53%—
WETHSparkLend · Ethereum SparkLendEthereum$313,83M 1,41% 1,41%1,43%—
USDCSpark Savings · Ethereum Spark SavingsEthereum$300,87M 3,80% 3,80%3,74%—
ONYCOnRe · Solana OnReSolana$287,50M 11,02% 11,02%11,02%—
DSOLDrift Staked SOL · Solana Drift Staked SOLSolana$282,14M 4,87% 4,87%4,98%—
USAT Janus Henderson AAA CLO FundCentrifuge Protocol · Ethereum Centrifuge ProtocolEthereum$280,11M 5,29% 5,29%3,58%—
USDS Janus Henderson Treasury FundCentrifuge Protocol · Ethereum Centrifuge ProtocolEthereum$277,82M 4,10% 4,10%3,64%—
BUIDL InstitutionalBlackrock Buidl · Ethereum Blackrock BuidlEthereum$273,54M 3,88% 3,88%3,35%—
USDC Janus Henderson AAA CLO FundCentrifuge Protocol · Avalanche Centrifuge ProtocolAvalanche$263,31M 5,29% 5,29%3,59%—
USDY US Dollar YieldOndo Yield Assets · Sei Ondo Yield AssetsSei$259,92M 3,74% 3,74%3,67%—
PYUSD Earn (Sentora Market)Jupiter Lend · Solana Jupiter LendSolana$251,20M 3,92% 3,92%3,53%—
SGHOAave V3 · Ethereum Aave V3Ethereum$246,08M 4,50% 4,50%4,50%—
USDEAave V3 · Ethereum Aave V3Ethereum$245,06M 0,23% 0,23%0,23%—
WBTCAave V3 · Arbitrum Aave V3Arbitrum$234,41M 0,02% 0,02%0,02%—
MSOLMarinade Liquid Staking · Solana Marinade Liquid StakingSolana$228,91M 5,44% 5,44%5,03%—
DFDVSOL 0% rewards feeDFDV Staked SOL · Solana DFDV Staked SOLSolana$216,70M 4,86% 4,86%4,96%—
SAVAX Unstaking Cooldown: 15daysBenqi Staked Avax · Avalanche Benqi Staked AvaxAvalanche$215,14M 3,59% 3,59%4,76%—
SENPYUSDPRIMEV2Morpho Blue · Ethereum Morpho BlueEthereum$211,11M 5,77% 3,84% + 1,93%6,24%có thưởng
EARNETH Lido earnETHMellow Core · Ethereum Mellow CoreEthereum$202,33M 3,43% 3,43%3,50%—
SDAISky Lending · Ethereum Sky LendingEthereum$197,31M 1,25% 1,25%1,25%—
INFSanctum Infinity · Solana Sanctum InfinitySolana$195,48M 5,21% 5,21%5,47%—
OUSG Short-term US Government SecuritiesOndo Yield Assets · XRPL Ondo Yield AssetsXRPL$185,45M 3,97% 3,97%3,63%—
STUSDS Expert ModeSky Lending · Ethereum Sky LendingEthereum$185,09M 6,51% 6,51%5,53%—
USDY US Dollar YieldOndo Yield Assets · Solana Ondo Yield AssetsSolana$180,13M 3,74% 3,74%3,67%—
WEETHether.fi Stake · Linea ether.fi StakeLinea$175,52M 2,37% 2,37%2,28%—
USDC 4-day lockupHyperliquid HLP · Hyperliquid L1 Hyperliquid HLPHyperliquid L1$174,30M 3,69% 3,69%3,72%—
BUIDLBlackrock Buidl · Ethereum Blackrock BuidlEthereum$172,54M 3,54% 3,54%3,05%—
BUIDLBlackrock Buidl · BSC Blackrock BuidlBSC$170,03M 3,88% 3,88%3,08%—
WSTETHFluid Lending · Ethereum Fluid LendingEthereum$166,36M 0,04% 0,04%0,04%—
ETHFluid Lite · Ethereum Fluid LiteEthereum$165,32M 4,19% 0,00%4,57%—
PSOL 0% rewards feePhantom SOL · Solana Phantom SOLSolana$163,73M 5,38% 5,38%5,55%—
ETHXStader · Ethereum StaderEthereum$162,37M 2,27% 2,27%2,22%—
WETH-USDC 0.3%Uniswap V3 · Base Uniswap V3Base$157,87M 41,51% ⚠ 41,51%54,34%IL2+ token
BBSOLBybit Staked SOL · Solana Bybit Staked SOLSolana$153,37M 4,86% 4,86%4,77%—
STEAKEURCVMorpho Blue · Ethereum Morpho BlueEthereum$153,22M 3,00% 3,00%3,00%—
APXUSD apyUSD vaultApyx Protocol · Ethereum Apyx ProtocolEthereum$152,32M 13,05% 13,05%12,95%—
STEAKUSDCMorpho Blue · Base Morpho BlueBase$147,04M 5,03% 5,03%4,60%—
USDCAave V3 · Ethereum Aave V3Ethereum$141,40M 3,85% 3,85%4,37%—
USDCFluid Lending · Ethereum Fluid LendingEthereum$141,19M 5,98% 5,98%5,75%—
USD1Lista Lending · BSC Lista LendingBSC$138,21M 1,34% 1,34%1,27%—
USDS GROVE Farming PoolSky Lending · Ethereum Sky LendingEthereum$137,26M 7,95% 0,00% + 7,95%5,41%có thưởng
GTUSDCPMorpho Blue · Base Morpho BlueBase$136,73M 5,03% 5,03%4,60%—
USDTAave V3 · Ethereum Aave V3Ethereum$135,03M 6,88% 6,88%3,68%—
OUSG Short-term US Government SecuritiesOndo Yield Assets · Ethereum Ondo Yield AssetsEthereum$134,95M 3,97% 3,97%3,63%—

Đang hiện 100 pool lớn nhất theo TVL.

APY = lãi suất năm có tính lãi kép. “Gốc” đến từ phí / lãi vay thật; “thưởng” là token dự án tặng thêm. Pool có APY bất thường so với lịch sử được đánh dấu ⚠. Bấm vào pool để xem chi tiết trên DefiLlama. Nguồn: DefiLlama.

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