Compare the top stablecoin yields in DeFi. Updated June 2025. Discover where to earn the highest APYs with low risk. Start earning smarter.

If you’ve read my previous posts, you already know this truth:
DeFi platforms often offer higher APYs than any centralized exchange...and don’t even get me started on traditional banks.

Pro tip:
Still torn between staking your ETH on Binance or Aave? This guide  will help you make a smart choice, so you don’t end up chasing regrets instead of rewards. Learn the pros, the traps, and the real differences before locking your funds.

That’s why I went deep into the DeFi jungle, researching protocols, apps, and staking pools to find out which platforms actually offer the juiciest stablecoin yields in 2025.

So go ahead, grab your favorite drink and settle into that comfy couch. This isn’t just another list. It’s your financial taste test, served with a side of alpha.

No hype, no fluff. Just stablecoins, strategies, and smarter earning.

Why Stablecoins Are My Favorite Tool for Passive Crypto Growth

Before we dive deeper, You need to understand what a stablecoin is because everything else in this guide builds on that.

What is a Stablecoin? In simple terms, a stablecoin is a type of cryptocurrency designed to maintain a fixed value, usually pegged to a fiat currency like the US dollar. It's the backbone of DeFi yields.

📘PRO TIP IF YOU Want to learn more about Stablecoins?
Don’t miss this full Stablecoin 2025 guide where I explain what stablecoins are, why they are crucial, and how they’re shaping the future of crypto in 2025.

... OK, let´s continue with the reading...

Back in 2023, I still remember charging via PayPal because… well, it was the only thing I knew. 

BUT...

Every time I got paid for writing a DeFi article, I’d lose almost $30 in fees and awful conversion rates.

And then, life threw me a curveball: one of my clients told me, “I only pay via Binance, in USDT.”

I opened a Binance account and started digging into stablecoins.

And guess how much Binance charged me to withdraw my money? Just $0.05. Insane!

I said "fvck y0u" to PayPal for good and told all my clients: from now on, please pay me in stablecoins.

That’s when the game changed.

Turns out, thousands of freelancers around the world get paid in USDT or USDC, skipping the middlemen and their greedy little fees.

That same client? He hired me to write the whitepaper for a DeFi protocol focused on yield farming.
He paid me $3,000 in USDT. Clean and Instant. 

And I had an epiphany: instead of letting that money sit, maybe it was time to put it to work.

NOTE: I’m not the kind of guy who enjoys staring at charts 24/7 or chasing the next moonshot.
I want predictable, stable income. I want peace of mind.

If you’re like me (someone who prefers low risk, steady growth, and zero drama) then stablecoin is your best options for passive income.

In the rest of this article, I’ll show you the best APYs for stablecoins in DeFi, updated for June 2025.

What Makes Stablecoins So Ideal for Passive Income?

If you’ve ever held SOL or ETH during a dip, then you know the feeling. Heart racing. Constantly refreshing the chart. Not fun (at least for me).

Stablecoins don't do that.

They're pegged to the US dollar or euro, so your balance stays steady.

That makes them perfect for building passive income without stress.

They are perfect if you:

• Are a freelancer like me who wants their earnings to grow quietly in the background

• Are a builder saving up runway

• Want crypto exposure without the chaos of volatile assets

That way, you focus on what you do best.

Meanwhile, your stablecoins do the heavy lifting.

And unlike staking native tokens, stablecoin yields tend to be more predictable. 

But here's the thing. The platform you choose matters more than the coin itself.

In the next section, we’ll break down the most popular options, compare returns, and help you pick the one that fits your risk profile.

Let’s keep your crypto working, not just sitting still.

Best stablecoins to invest in passive income 2025.

Stablecoins are evolving REALLY fast the last 2 years, and so are the ways to earn with them.

In fact, stablecoin transactions have already surpassed Visa in total volume, proving their growing role in the global financial system.

Whether centralized or decentralized, these crypto-dollars offer stability, speed, and strong integration across DeFi protocols. So if you're looking to build passive income in 2025 without the volatility of native tokens, here’s a curated list of the most reliable and widely used stablecoins today.

• USDC (USD Coin)
  USDC is a centralized stablecoin issued by Circle, operating across Ethereum, Solana, Polygon, and other major blockchains. It’s backed 1:1 by fiat reserves held in U.S. banks and short-term Treasuries.
  Its transparency and strong compliance make it a favorite among institutions and platforms, offering stability and wide integration for earning passive income through lending, saving, and automated DeFi strategies.
  
  
• USDT (Tether)
  Tether’s USDT is the most widely used centralized stablecoin, issued by Tether Ltd and available on nearly every major blockchain, including Ethereum, Tron, and BNB Chain. It’s backed by a mix of U.S. Treasuries, cash equivalents, and other financial assets.
  Due to its deep liquidity and wide acceptance, it remains a go-to asset for users seeking steady exposure in passive income protocols across CeFi and DeFi ecosystems.
  
  
• DAI
  DAI is a decentralized stablecoin governed by the MakerDAO protocol, running entirely on Ethereum. It’s backed by overcollateralized crypto assets such as ETH and USDC.
  As a permissionless, transparent option, DAI appeals to DeFi-native users who want to earn yield without relying on centralized issuers, offering more autonomy and composability for building passive income strategies.
  
  
• USDY (Ondo US Dollar Yield)
  USDY is a centralized stablecoin issued by Ondo Finance and operates on Ethereum and other EVM-compatible chains. It’s backed by real-world assets like short-term U.S. Treasuries, held off-chain.
  Designed specifically for passive income, USDY simplifies access to yield by embedding return mechanisms directly into the token, making it an appealing option for users looking for hands-off earning opportunities with real asset exposure.
  
  
• YLDS (by Figure Markets)
  YLDS is a yield-enabled stablecoin issued by Figure Markets, functioning on the Provenance blockchain. It’s centralized and backed by U.S. government securities, with the added distinction of regulatory approval in the U.S.
  This token is purpose-built for passive income, distributing interest automatically without needing to stake or lock funds, making it user-friendly for conservative earners.
  
  
• sUSDS / USDe (Ethena)
  sUSDS and USDe are decentralized, yield-bearing stablecoins introduced by protocols like Sperax and Ethena. They operate on Ethereum and other DeFi-native chains, using a mix of crypto-collateral and algorithmic mechanisms.
  Built with passive income in mind, they offer on-chain integration and automated earning, ideal if you want to keep everything transparent, trustless, and under their control.
  
  
• sGHO (Aave’s Native Stablecoin)
  

  sGHO is a decentralized stablecoin launched by the Aave protocol and native to its v3 lending markets. It’s backed by crypto collateral deposited in Aave and governed by Aave Governance, ensuring transparency and decentralized control.

  With over $5B in TVL and a built-in Safety Module acting as insurance, sGHO appeals to users seeking DeFi-native passive income with the added peace of mind that comes from a battle-tested protocol.

The 7 Best Platforms for Stablecoin Yield 

Wondering where to find the best stablecoin yield in DeFi this 2025? Ok, for this list forget the 500% APY promises from shady algo coins.

This list is for grownups who want real yield, low stress, and platforms you don’t need to Google twice to check if they still exist.

Here we go...

Yearn Finance: The OG That Still Knows How to Cook Vaults

It honestly took me a while to give Yearn another look. I thought it had already peaked... but I was wrong.

Yearn’s auto-vaults still do their thing better than most shiny new platforms out there.

How does it work?
You deposit stablecoins like USDT, and Yearn allocates your funds into optimized strategies, like lending on Aave V3, without you lifting a finger. No chasing APYs, no switching vaults every week.

Right now, the historical APY is around 8.15%, with an estimated return closer to 3.5% at the moment. You can exit anytime.

Yes, gas on Ethereum still bites, but you’re getting a battle-tested protocol, audited strategies, and over $2.4M TVL in just this vault alone.

It’s not sexy, but it’s stable.
Like that one friend who never flakes and always shows up when it matters.

If you want more information about this option, click here.

Curve + Convex: Turn Your Stablecoins Into a Passive Income Machine

If you’ve got DAI, USDC or USDT just sitting around, you might want to put them to work. Curve is already a go-to place for stablecoin swaps with low fees. But when you combine it with Convex, you unlock extra rewards—without doing anything crazy.

Here’s how it works:

You start by connecting your wallet (like MetaMask) to Curve and depositing an equal value of USDT and USDe into the liquidity pool. That gives you LP tokens, which are basically a receipt proving you’re part of the pool.

Next, you head over to Convex and stake those LP tokens. Thanks to the veCRV boost, this combo can earn you up to 16.11% vAPR, plus extra rewards in CVX tokens. It’s like stacking two income streams on top of each other.

If you’re serious about finding the best stablecoin yield DeFi 2025 has to offer, this setup delivers strong returns with no lock-up period. You can pull out anytime, no strings attached.

It takes a few steps to get started, but once it’s live, your stablecoins start working smarter — not harder.

If you need further information about this investment option, click here.

Aave v3 (sGHO) – Saving With Aave’s Pet Stablecoin Isn’t Boring Anymore

I’ll admit it took me a bit to warm up to GHO. I used to think, “Why would I use Aave’s own stablecoin when I already trust USDT or USDC?” But I was wrong. GHO is not only easy to mint or buy, but it also comes with a pretty sweet ~8% APY.

How does it work?
You lend GHO directly into the Aave v3 pool and start earning passively. No lock-ins, no hassle. And if you don’t feel like dealing with GHO, you can just lend USDT or USDC and still earn around 7–8%. What really impressed me was Aave’s $5B+ TVL and their Security Module, which basically acts as an insurance fund.
That kind of backup gives a sense of peace when staking stablecoins.

It’s like putting your money in a DeFi vault with CeFi vibes… only you keep control.

If you are interested, click here to take a look.

Molecula.io: The Crypto Wealth Manager You Wish Your Bank Had Been

Never heard of Molecula? That’s the point. While others scream “500% APY,” Molecula quietly delivers ~8% APY on USDT  but with low risk, no lockups, and real transparency.

Launched in January 2025, it's a DeFi-native alternative to money market funds (minus the TradFi baggage)

How does it work?

You just deposit your USDT from any wallet, and Molecula takes care of the rest. Behind the scenes, it spreads your funds across top DeFi protocols and adjusts automatically to keep things safe and profitable. No complicated steps, no need to chase yields. It runs smoothly while you relax.

You can take your money out anytime. Your earnings (around 8% APY) stay in USDT, and you’ll always have access to your funds. No staking, no learning curves. Molecula feels like a simple savings app, but it’s powered by DeFi.

Even if you’re new, you’ll get it right away.

Curve + Convex: Efficient Yield with Boosted Stability

I used to think Curve was just for whales and DeFi insiders. But if you're holding stablecoins and want solid yield, this combo deserves your attention.

How does it work?
You deposit your stablecoins (DAI, USDC, USDT) into Curve’s classic 3Pool or its boosted version with sDAI. On their own, these pools offer modest returns. But once you stake your LP tokens via Convex, you unlock additional rewards, including veCRV boosts and CVX incentives.

At the time of writing, the projected vAPR for the USD3+sDAI pool sits at around 18.41%, with no lock-in and full flexibility to withdraw. The contracts are audited, and both Curve and Convex have a strong track record across multiple market cycles.

It’s not flashy. But if you're looking for reliable, automated stablecoin yield without chasing trends, this setup quietly does the job, and does it well.

Click here if you want to take a look.

Pendle Finance – DeFi for Time Travelers (Fixed Yield Included)

This one honestly took me a while to wrap my head around. But once I got it... wow. Pendle is for people who like knowing exactly how much they'll earn, and when.

How does it work?
You deposit sGHO, which is Aave’s native stablecoin, into Pendle and get two things in return: a Principal Token (PT) that guarantees 1:1 at maturity, and the chance to earn rewards along the way. Hold it until August 27, 2025, and you’ll lock in a fixed 1.21% APY.

Nothing fancy, just predictable.

But here’s where it gets better.
If you decide to stake or LP, the boosted yield can climb all the way up to 18.08% APY. That’s serious upside for a stablecoin position.

And no, you don’t have to stress about impermanent loss (there’s none at maturity). It’s one of the cleanest plays if you like knowing what you’ll earn and when.

More than $10.9M has already flowed into this pool. People are starting to catch on.

If you’re the type who prefers certainty over speculation, this might just be your zone.

Click here if you want to take a look.

Radiant Capital – DeFi Rewards With a Side of Vesting Drama

Not everything that shines in DeFi is as straightforward as it looks. Radiant offers a tempting 7–8% APY for lending your USDT or USDC on Arbitrum. And that’s just the start. 

How does it work?
You deposit your stablecoins and earn two kinds of yield: a base APY and a juicy RDNT reward. At the time of writing, the RDNT APR alone hits over 40% with leverage.

There’s no mention of vesting or mandatory lock-ups on the interface. But keep this in mind: most of the extra rewards are paid in RDNT, and this token’s price can swing like a rollercoaster.
So while the numbers look great, it’s up to you to decide whether to hold, swap, or dump.

Radiant is fully audited and still standing after a major exploit in 2023. That resilience counts, specially in crypto, builders who keep shipping deserve a second look.

Use it if you want to boost your stablecoin yield and you’re not scared of RDNT price volatility. Just keep your risk goggles on.

Click here to see more details.

Best Stablecoin Yield Platforms Comparison Table (2025)

Looking for a quick comparison of the top platforms offering real stablecoin yield in 2025?
This table ranks them by APY, lock-up terms, and other key features.

Curious how stablecoin yield compares to staking or farming?
Don’t miss my other guides on DeFi yield strategies.

How to Choose the Right Platform for You

Ok here I gotta tell you a true: a high APY looks sexy, but that alone doesn’t mean it’s the right move for you.

Think of choosing a DeFi yield app like choosing your morning coffee.

Sure, the cheapest option from a vending machine might look good, but one sip and you're full of regret. You want quality beans, clean water, and a barista who knows what they’re doing.

Same with APY.

A high return sounds great, but what matters is how it’s generated. Is the stablecoin liquid? Is the protocol audited? Are your funds safe if something goes wrong?

Here’s how to figure out your perfect fit:

• Do you want fixed or variable income?
  If you hate surprises and prefer to know exactly how much you’ll earn, Pendle is your zone. If you're okay with flexible rates that can change, Yearn or Aave might suit you better.

• Are you DeFi-native or just crypto-curious?
  If you’re comfy using MetaMask and bridging to Arbitrum, go ahead and dive into Curve+Convex or Radiant. But if you're newer and want clean UX, Molecula gives you that plug-and-earn vibe without the rabbit hole.

• Will you need to withdraw often?
  Some protocols are flexible (like Yearn, Molecula, Aave). Others (like Pendle) give you the best yield if you wait till maturity. Know your patience level.

• Do you understand what the reward token is?
  If your APY is paid in RDNT or CVX, make sure you understand how (and if) you can cash it out. Sometimes a “40% APR” in a volatile token ends up worth less than a quiet 8% in USDT.

• Check the protocol’s TVL
  Total Value Locked is like the crowd outside a restaurant. If thousands of people are already there, chances are the food (or in this case, the yield) is legit. Low TVL isn’t always bad — but high TVL on audited platforms shows trust, usage, and better liquidity if you ever want to exit fast.

Bottom line: Don’t just follow the numbers. Follow what matches your lifestyle, your risk appetite, and your learning curve.

Final Thoughts on Earning Passive Income with Stablecoins in 2025

Whether you're a freelancer stacking savings, a founder preserving runway, or just someone tired of low bank returns, stablecoins can work for you. But remember: it’s not only about chasing the highest APY. It’s about understanding the protocol, and aligning each move with your real-life goals.

Do your homework. Prioritize transparency, liquidity, and track record over shiny numbers. And always ask: “Can I sleep well with this strategy?”

The DeFi space rewards curiosity and caution in equal measure.

Now it’s your turn to make your money move: smartly, steadily, and on your terms.

✍️ Written by El Salvador CopyBiker - Crypto Content Specialist.

Helping your audience actually understand your Web3 product (no PhD required).

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