What is the best stablecoin for savings?
Savings is not a yield-maximising use case — it is capital you want back. This ranks stablecoins by safety score first, using vetted APY only to break ties among assets with real liquidity.
Short answer
PayPal USD (PYUSD) currently tops this list with a safety score of 92/100, market cap of $2.78B and 7 chain deployments, paying a vetted APY of 7.21% as of Aug 20, 2026.
Ranked by safety score, tie-broken by vetted APY, among liquidity ≥ $10M assets — updated daily.
| # | Asset | Safety | Vetted APY | Liquidity | Market cap | Peg deviation |
|---|---|---|---|---|---|---|
| 1 | 92 | 7.21% | $325.61M | $2.78B | +0.011% | |
| 2 | 92 | 4.99% | $438.01M | $3.40B | +0.015% | |
| 3 | 89 | 9.81% | $178.29M | $1.86B | +0.035% | |
| 4 | 88 | 8.02% | $4.59B | $72.84B | −0.020% | |
| 5 | 88 | 6.00% | $2.32B | $6.71B | −0.009% | |
| 6 | 81 | 8.78% | $303.66M | $4.00B | −0.021% | |
| 7 | 81 | 2.17% | $344.99M | $4.76B | +0.007% | |
| 8 | 76 | 4.63% | $2.45B | $183.01B | −0.033% | |
| 9 | 74 | 3.18% | $2.92B | $2.92B | NAV | |
| 10 | 74 | — | $35.87B | $10.39M | −0.020% |
Frequently asked
+ − What is the safest stablecoin to hold savings in?
The top row above scores highest on collateral quality, peg stability, liquidity, issuer structure and track record combined — the five things that determine whether you get your dollar back.
+ − Should I chase yield for a savings balance?
No — for money you need back, safety score should dominate the decision and yield should only break a tie between similarly safe options. See our full safety methodology for the weighting.
+ − Is any stablecoin as safe as a bank deposit?
No. None carry deposit insurance on your token balance; some issuers hold reserves at insured banks, but that protects the issuer's account, not yours. Treat every stablecoin as an unsecured claim on the issuer.