A clear guide to earning on reserve stablecoins

Compare stablecoin yields without the complexity

We filter DeFi pools by liquidity and risk, estimate the potential return, and explain the next step.

✓ No wallet connection✓ DefiLlama data✓ Risk explained
One-minute shortlist

What do you already have?

Enter your amount and assets — we will start with a ready-made plan.

Stablecoins one or more
Network and allocationAll 3 networks · optional+
Network optional
If you are unsure, keep all networks selected.
Deposit + future withdrawalEthereum · $3.00–$25.00Arbitrum · $0.15–$1.60Base · $0.08–$1.10Your wallet will show the exact fee.
We will start with a recommended allocation; the full catalog is available below.
Matching options

Compare at your own pace

Yield calculated for $10,000. Rates may change. What is APY?

Beta: currently covering 0 protocols. More are coming soon.
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Recommended plan

Allocation within your rules

Uses the rules in My portfolio. This replaces the allocation rather than adding to existing positions. Unallocated capital stays in reserve; no reserve income is assumed. All concentration limits are based on total capital, including reserve.

No live DeFiLlama response. Automatic recommendations and portfolio creation are disabled. Demo APY and TVL are not used.

Move the selected protocols and amounts to your local portfolio
0analyzed
0passed the main filter
0outside recommendations
View full catalog0 matching options · search, sort and compare0+
Quick search

Find a protocol or pool you know

Search the full DeFiLight database regardless of the shortlist filters.

Exit liquidity is a separate signalWe compare your amount with the current stablecoin balance in the Aave, Compound or Spark contract. This metric does not yet affect the score.No on-chain data loaded.
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Outside the main shortlist

Wild zone

These pools score below 70: indicators are unfavorable or data is incomplete. They are not automatically recommended.

Advanced yield calculatorNo matching options+

Calculation for one selected pool using the full entered amount, not its allocated share in the plan.

Deposit amount$10,000
Selected rateNo data

Calculation unavailable without market data.

An estimate that assumes unchanged APY. Costs are approximate and exclude bridging, buying ETH and exchange fees.

How the DeFiLight Score is calculated5 factors · automated model, not an audit+

Scale 0–100: higher is more favorable. A preliminary market-indicator assessment, not a smart-contract security rating or a probability of capital protection. Recommendation ranking is a separate calculation.

up to 35 pointsPool TVL

More funds in the pool increase the score. TVL is not available withdrawal liquidity.

up to 20 pointsStructure

Points only for known single/no labels. Unknown structure: 0. This is not a strategy audit.

up to 15 pointsAPY source

A lower known reward share earns more points. Missing reward breakdown: 0 points.

up to 15 pointsAPY level

Extreme rates reduce the score.

up to 15 pointsAge

Protocol year comes from a directory, not a vault check. Unknown age: 0 points.

Model limitation:it does not yet account for audit quality, admin keys, bug bounties or recent contract changes.
Local mode · this device only

My portfolio

Save a suggested plan or real positions here and track total yield and concentration. Without an account, data stays in this browser only.

Market data is unavailable. Saved principal is preserved; no yield or scores are substituted.

First step

Your portfolio is empty

Move the suggested allocation plan here or add a real position manually.

Set your rules below before generating a plan.

Your positions

Empty
Add your first positionChoose a protocol from the current DeFiLight database and enter an amount.

Data is not sent to a server or synced. Clearing browser data will delete the portfolio, so use a backup when moving it.

DeFi glossaryPlain explanations of APY, TVL, networks and fees+
DeFi glossary

Terms explained in plain English

Short explanations of the terms you see in cards and before depositing.

Yield

APY

Expected annual yield including compounding. DeFi rates are variable and can change at any time.

Liquidity

TVL

The total value deposited in a pool or protocol. A large TVL indicates scale, but does not guarantee safety.

Depositing

Pool

A market or vault inside a protocol where users deposit assets. One protocol can have many pools with different terms.

DeFi basics

Protocol

A set of smart contracts and rules that enable lending, swaps and other financial operations without a bank.

Risk

Smart contract

A program on a blockchain that executes operations automatically. Bugs or configuration errors can lead to losses.

Wallet

Network

The blockchain where an asset lives, such as Ethereum, Arbitrum or Base. The token and protocol must use the same network.

Fees

Gas

The fee for executing a transaction. On Ethereum, Arbitrum and Base it is normally paid with a small amount of ETH.

Yield

APY source

Base yield comes from capital use; reward yield comes from extra tokens. Rewards tend to change faster and may end.

Assets

Stablecoin

A crypto asset designed to stay near one US dollar. The peg can break, and issuer and reserve risks differ by coin.

Management

Portfolio

Your positions and unallocated funds together. It shows total yield and helps avoid concentration in one place.

Risk

Preliminary DeFiLight score

An automated score from 0 to 100 based on TVL, pool structure, APY source, age and yield level. It is not an audit.

Management

Cash reserve

Capital deliberately kept outside DeFi for fees, urgent withdrawals or future opportunities.

Risk

Diversification

Spreading capital across stablecoins, protocols and networks so you do not depend on only one of them.

Wallet

Connect

Sharing your public wallet address with a protocol site. Connecting alone does not move funds; always review later wallet prompts.

Wallet

Approve

Permission for a smart contract to use a token. Check the asset, contract address and allowance before confirming.

Withdrawal

Withdraw

Returning a deposited asset from a protocol to your wallet address on the same network.

How depositing worksA practical guide from wallet setup to withdrawal+
Practical guide

From your wallet to withdrawing funds

DeFiLight helps you choose an option and explains the process. Deposits happen only on the external protocol site and are confirmed in your own wallet.

i
DeFiLight never receives or transfers your funds

We do not connect your wallet, request a seed phrase, sign transactions, or represent MetaMask, Trust Wallet or any listed protocol.

1
Prepare your walletNetwork, gas and a test amount
+
Before depositing, check that
  • the stablecoin is on the correct network
  • you have ETH for gas
  • your seed phrase is stored offline only
  • your first transaction will be a small test
2
Deposit fundsOn the official protocol site
+
  1. 1
    Check the address and network

    Open MetaMask, choose the right account and make sure the stablecoin is on the network shown in the protocol card.

  2. 2
    Keep funds for gas

    Ethereum, Arbitrum and Base normally require ETH. Keep a small balance for both depositing and withdrawing.

  3. 3
    Open the official protocol site

    Use the DeFiLight card link and verify the domain. Connect shares your public address but does not move funds.

  4. 4
    Review the token approval

    If this is the first use, MetaMask may request an Approve transaction. Check the token, allowance and contract address.

  5. 5
    Complete Supply or Deposit

    Enter the amount, check the network, APY and fee again, then confirm and wait for the transaction.

  6. 6
    Verify the position

    Return to the protocol, confirm that the position is visible and save the transaction hash from Activity.

Never enter your seed phrase on a website.Connect through the wallet prompt or WalletConnect.
3
Verify the position and withdrawalHow to retrieve funds safely
+
  1. 1
    Find the position

    Open Dashboard, Portfolio or Positions on the official site.

  2. 2
    Choose Withdraw

    Withdraw a small test amount first and wait for confirmation.

  3. 3
    Check the network and balance

    Confirm the token returned on the correct network, then withdraw the rest.

Shield
Important

Yield without the illusion of a guarantee

This is not a bank depositFunds are not insured and protocols run through smart contracts.

APY can changeThe displayed rate reflects current conditions and is not fixed for a year.

Risk cannot be eliminatedEven a large, established protocol can encounter a failure.

Ready to explore the options?

Start with the amount you already have

No registration or wallet connection required.