What is the best stablecoin for yield?
Yield above the T-bill rate is compensation for a risk somebody has decided to take. This list only includes stablecoins with a vetted rate sourced from a protocol holding over $100M TVL, a safety score of 70+, and liquidity deep enough to actually exit.
Short answer
World Liberty Financial USD (USD1) currently tops this list with a safety score of 81/100, market cap of $4.00B and 8 chain deployments, paying a vetted APY of 8.78% as of Aug 20, 2026.
Ranked by vetted APY where liquidity ≥ $10M and safety score ≥ 70 — updated daily.
| # | Asset | Vetted APY | Safety | Liquidity | Market cap | Chains |
|---|---|---|---|---|---|---|
| 1 | 8.78% | 81 | $303.66M | $4.00B | ||
| 2 | 8.02% | 88 | $4.59B | $72.84B | ||
| 3 | 7.21% | 92 | $325.61M | $2.78B | ||
| 4 | 6.88% | 71 | $646.67M | $234.56M | ||
| 5 | 6.35% | 71 | $362.50M | $193.65M | ||
| 6 | 6.00% | 88 | $2.32B | $6.71B | ||
| 7 | 4.99% | 92 | $438.01M | $3.40B | ||
| 8 | 4.63% | 76 | $2.45B | $183.01B | ||
| 9 | 4.50% | 73 | $1.50B | $4.08B | ||
| 10 | 4.04% | 70 | $408.32M | $1.51B |
Frequently asked
+ − What is the best stablecoin for yield right now?
The top row above is live: it is the highest vetted APY among stablecoins with liquidity above $10M and a safety score of 70 or higher. Rates move daily with borrowing demand, so treat it as today's number, not a locked-in rate.
+ − Why do some high-yield stablecoins not appear on this list?
They are excluded by the gate, not omitted by accident: either the rate is unvetted (sourced from a protocol under $100M TVL), liquidity is below $10M, or the safety score is under 70. Chasing a rate that fails one of those checks is usually where losses happen.
+ − Is stablecoin yield guaranteed?
No. It is paid by borrowers, a Treasury pass-through, or protocol incentives, and every one of those sources can shrink or stop. A safety score of 70+ says the collateral and peg mechanics are sound — it says nothing about whether the current rate persists.