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 September 11, 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

EarnPark

Listed APY

20%

3U.S.-available option

CoinDepo

Base and maximum APY

17% base · up to 23%

4Flexible-term option

YouHodler

Listed APY

20%

5DeFi option

Billz

Base and maximum APY

3% base · up to 10%

6Non-U.S. option

Nebeus

Listed APY

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	August 11, 2026
EarnPark	Base rate without a higher maximum	20%	Same as base	None	Worldwide (services limited in the US)	July 26, 2026
CoinDepo	U.S.-available option	17%	23%	None	Worldwide	August 6, 2026
YouHodler	Flexible-term option	20%	Same as base	None	Not available in the US/Canada	September 11, 2026
Billz	DeFi option	3%	10%	Flexible	Europe, United States and Canada	Check provider
Nebeus	Non-U.S. option	15%	Same as base	1-4 months	UK, Europe and Latin America	September 11, 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

!Confirm the eligible stablecoin and balance tier.
!Stablecoin yield is not bank savings and principal can be lost.
!Fees: Gas/on-chain transaction fees.

Full review Visit LuneRate checked August 11, 2026

#2 · Base rate without a higher maximum

EarnPark

Listed APY

20%

Availability: Worldwide (services limited in the US)
Lockup: None
Fees: Yes (network fees)

EarnPark appears in the “Base rate without a higher maximum” category. Its tracked stablecoin offer is 20%. Terms are listed as none; evaluate any maximum alongside its eligibility rules, access and product structure.

Why consider it

+20% tracked base rate.
+Lockup: None.
+Availability: Worldwide (services limited in the US).

Tradeoffs to check

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

Full review Visit EarnParkRate checked July 26, 2026

#3 · U.S.-available option

CoinDepo

Base and maximum APY

17% base · up to 23%

Availability: Worldwide
Lockup: None
Fees: Check platform

CoinDepo appears in the “U.S.-available option” category. Its tracked stablecoin offer is 17% base · up to 23%. Terms are listed as none; evaluate any maximum alongside its eligibility rules, access and product structure.

Why consider it

+17% tracked base rate and 23% conditional maximum.
+Lockup: None.
+Availability: Worldwide.

Tradeoffs to check

!The maximum rate may require a tier, term, balance or other condition.
!Stablecoin yield is not bank savings and principal can be lost.
!Fees: Check platform.

Full review Visit CoinDepoRate checked August 6, 2026

#4 · Flexible-term option

YouHodler

Listed APY

20%

Availability: Not available in the US/Canada
Lockup: None
Fees: Yes

YouHodler appears in the “Flexible-term option” category. Its tracked stablecoin offer is 20%. Terms are listed as none; evaluate any maximum alongside its eligibility rules, access and product structure.

Why consider it

+20% tracked base rate.
+Lockup: None.
+Availability: Not available in the US/Canada.

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 YouHodlerRate checked September 11, 2026

#5 · DeFi option

Billz

Base and maximum APY

3% base · up to 10%

Availability: Europe, United States and Canada
Lockup: Flexible
Fees: 2.5% payment execution fee, gas fees

Billz appears in the “DeFi option” category. Its tracked stablecoin offer is 3% base · up to 10%. Terms are listed as flexible; evaluate any maximum alongside its eligibility rules, access and product structure.

Why consider it

+3% tracked base rate and 10% conditional maximum.
+Lockup: Flexible.
+Availability: Europe, United States and Canada.

Tradeoffs to check

!The maximum rate may require a tier, term, balance or other condition.
!Stablecoin yield is not bank savings and principal can be lost.
!Fees: 2.5% payment execution fee, gas fees.

Full review Visit Billz

#6 · Non-U.S. option

Nebeus

Listed APY

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 15%. Terms are listed as 1-4 months; evaluate any maximum alongside its eligibility rules, access and product structure.

Why consider it

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

Tradeoffs to check

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

Full review Visit NebeusRate checked September 11, 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.