CIR Rankings · Stablecoin Yields

Best Stablecoin Yields in 2026

Compare tracked stablecoin yields by base APY, conditional maximum, lockup, availability and product requirements.

6 ranked picksCIR editorial researchData: Latest tracked rate · Checked November 10, 2026

Why trust Coin Interest Rate?

Our team independently tracks and reviews crypto rates, rewards and product features to help readers compare more than the advertised rate. We use official provider websites, product documentation and other relevant sources when evaluating products.

80+ crypto platforms tracked across staking, lending, cards and other digital asset products.
Hundreds of rates tracked alongside features, availability and key risk factors.
Independent comparisons. Compensation does not guarantee favorable coverage. Editorial control remains ours.

Read our full methodology

Stablecoin yields can come from lending, liquidity provision, rewards programs or managed strategies. We order current offers using tracked base and maximum rates, then show distinct categories so readers can compare the listed yield with practical access and terms.

Risk note: Stablecoins and crypto yield products are not FDIC-insured bank savings accounts. Issuer, custody, platform, counterparty, liquidity, smart-contract and regulatory risks can result in partial or total loss.

The short list

Our picks at a glance

1High listed rate

Lune

Listed APY

29.5%

2Base rate without a higher maximum

CoinDepo

Listed APY

17%

3U.S.-available option

Nexo

Listed APY

11.5%

4Flexible-term option

YouHodler

Listed APY

12%

5DeFi option

Robinhood

Listed APY

6Non-U.S. option

Nebeus

Base and maximum APY

0% base · up to 15%

Compare the picks

Compare the details side by side, then open each review to check eligibility, terms and important tradeoffs.

Pick	Category	Base APY	Maximum APY	Lockup	Availability	Checked
Lune	High listed rate	29.5%	Same as base	1-360 days	Worldwide	October 20, 2026
CoinDepo	Base rate without a higher maximum	17%	Same as base	None	Worldwide	November 7, 2026
Nexo	U.S.-available option	11.5%	Same as base	None or 1 month	Worldwide	November 10, 2026
YouHodler	Flexible-term option	12%	Same as base	None	Not available in the US or other restricted jurisdictions	November 10, 2026
Robinhood	DeFi option	7%	Same as base	Unstaking	US and select EU countries	October 25, 2026
Nebeus	Non-U.S. option	0%	15%	1-4 months	UK, Europe and Latin America	October 5, 2026

Detailed review

Why these options made the list

#1 · High listed rate

Lune

Listed APY

29.5%

Availability: Worldwide
Lockup: 1-360 days
Fees: Gas/on-chain transaction fees

Lune appears in the “High listed rate” category. Its tracked stablecoin offer is 29.5%. Terms are listed as 1-360 days; evaluate any maximum alongside its eligibility rules, access and product structure.

Why consider it

+29.5% tracked base rate.
+Lockup: 1-360 days.
+Availability: Worldwide.

Tradeoffs to check

!29.5% APR requires the 360-day Earn pool. Early withdrawal conditions apply; confirm account and regional eligibility before depositing.
!Stablecoin yield is not bank savings and principal can be lost.
!Fees: Gas/on-chain transaction fees.

Full review Visit LuneChecked October 20, 2026

#2 · Base rate without a higher maximum

CoinDepo

Listed APY

17%

Availability: Worldwide
Lockup: None
Fees: Check platform

CoinDepo appears in the “Base rate without a higher maximum” category. Its tracked stablecoin offer is 17%. Terms are listed as none; evaluate any maximum alongside its eligibility rules, access and product structure.

Why consider it

+17% tracked base rate.
+Lockup: None.
+Availability: Worldwide.

Tradeoffs to check

!CoinDepo EURC rate for the annual payout term.
!Stablecoin yield is not bank savings and principal can be lost.
!Fees: Check platform.

Full review Visit CoinDepoChecked November 7, 2026

#3 · U.S.-available option

Nexo

Listed APY

11.5%

Availability: Worldwide
Lockup: None or 1 month
Fees: Limited free withdrawals per month

Nexo appears in the “U.S.-available option” category. Its tracked stablecoin offer is 11.5%. Terms are listed as none or 1 month; evaluate any maximum alongside its eligibility rules, access and product structure.

Why consider it

+11.5% tracked base rate.
+Lockup: None or 1 month.
+Availability: Worldwide.

Tradeoffs to check

!Confirm the eligible stablecoin and balance tier.
!Stablecoin yield is not bank savings and principal can be lost.
!Fees: Limited free withdrawals per month.

Full review Visit NexoChecked November 10, 2026

#4 · Flexible-term option

YouHodler

Listed APY

12%

Availability: Not available in the US or other restricted jurisdictions
Lockup: None
Fees: Yes

YouHodler appears in the “Flexible-term option” category. Its tracked stablecoin offer is 12%. Terms are listed as none; evaluate any maximum alongside its eligibility rules, access and product structure.

Why consider it

+12% tracked base rate.
+Lockup: None.
+Availability: Not available in the US or other restricted jurisdictions.

Tradeoffs to check

!Confirm the eligible stablecoin and balance tier.
!Stablecoin yield is not bank savings and principal can be lost.
!Fees: Yes.

Full review Visit YouHodlerChecked November 10, 2026

#5 · DeFi option

Robinhood

Listed APY

Availability: US and select EU countries
Lockup: Unstaking
Fees: Yes

Robinhood appears in the “DeFi option” category. Its tracked stablecoin offer is 7%. Terms are listed as unstaking; evaluate any maximum alongside its eligibility rules, access and product structure.

Why consider it

+7% tracked base rate.
+Lockup: Unstaking.
+Availability: US and select EU countries.

Tradeoffs to check

!Estimated variable rate; eligible US users; self-custody wallet lending through a Morpho vault. Confirm availability and account eligibility before depositing.
!Stablecoin yield is not bank savings and principal can be lost.
!Fees: Yes.

Full review Visit RobinhoodChecked October 25, 2026

#6 · Non-U.S. option

Nebeus

Base and maximum APY

0% base · up to 15%

Availability: UK, Europe and Latin America
Lockup: 1-4 months
Fees: Check platform

Nebeus appears in the “Non-U.S. option” category. Its tracked stablecoin offer is 0% base · up to 15%. Terms are listed as 1-4 months; evaluate any maximum alongside its eligibility rules, access and product structure.

Why consider it

+0% tracked base rate and 15% conditional maximum.
+Lockup: 1-4 months.
+Availability: UK, Europe and Latin America.

Tradeoffs to check

!Baobab stablecoin renting offer advertised up to 15% APR. Promoted as a limited-time new-user offer; confirm current eligibility, minimum deposit, payout currency and selected lockup in account. Separate from lower-rate flexible programs.
!Stablecoin yield is not bank savings and principal can be lost.
!Fees: Check platform.

Full review Visit NebeusChecked October 5, 2026

How we chose these picks

1.We reviewed platforms currently included in CIR’s public stablecoin comparisons and required a positive tracked stablecoin rate.
2.We use asset-specific rate records whenever available so the percentage remains connected to its source, terms and review date.
3.The initial order considers the highest tracked rate, using the base rate as the secondary signal.
4.Category labels identify distinct options for base yield, U.S. access, flexible terms, DeFi and non-U.S. availability; they are not universal best-in-category claims.
5.Conditional maximums are separated from base rates because not every user, balance or term will qualify.

Read the full Coin Interest Rate methodology

How stablecoin yield differs from savings interest

A bank savings account generally pays interest from a regulated banking balance and may qualify for deposit insurance. Stablecoin yield requires a crypto product to deploy or reward digital assets through a different economic mechanism.

That mechanism matters as much as the percentage. Lending yield depends on borrowers and counterparties, liquidity provision introduces market and smart-contract exposure, and managed strategies add operator and strategy risk.

Compare the base rate before considering a promotional maximum.
Identify which stablecoin and product category produce the yield.
Review custody, withdrawal, lockup and geographic restrictions.
Use the provider source and checked date to verify current terms.

Frequently asked questions

Which stablecoin has the highest yield?

The highest tracked rate changes and may depend on the platform, stablecoin, balance, term, region or promotion. Compare the available base rate with the conditions required for the maximum.

Is stablecoin yield the same as a high-yield savings account?

No. Stablecoin products can involve issuer, platform, custody, lending, liquidity and smart-contract risks and generally do not have the protections of an insured bank deposit.

Why are base and maximum APY shown separately?

A base APY is the tracked starting rate, while a maximum may require a larger balance, fixed term, membership tier, token holding, promotion or other condition. Showing both prevents a conditional maximum from appearing universally available.