Stablecoin yield report: October 2026 edition

What did DeFi stablecoin pools pay in October 2026?

1. The typical large stablecoin pool paid 4.19%. Weighted by the money in each pool, the average was 4.20%, across 25 chains, 83 protocols and about $14.9B of deposits.
2. 285 of the 335 pools (85%) paid under 8%, and 5 (1.5%) paid 20% or more.
3. Single-stablecoin pools paid more than stablecoin-to-stablecoin pairs: a median of 4.41% across 273 single-asset pools, against 2.30% across 62 pairs.
4. USDC had the most large single-asset pools: 152, with a median APY of 5.36%. USDT followed with 35 pools at 3.69%.
5. Pools of $1M to $10M had a median of 4.34%, more than the 3.80% of pools over $100M.
6. Of the 127 pools whose data splits base and reward APY, 79 (62%) paid some rewards and 41 (32%) got more than half their APY from them.
7. 9 of the 16 sUSDe pools of $1M or more reported a 0% APY. sUSDe’s own yield builds up in its price, so a pool that holds it as collateral has little or nothing of its own to pay.

Source: web3juice catalogue of public DeFi pool data, retrieved 2026-10-15 at 18:15 UTC. Pools with at least $1M TVL. APYs are as reported at that time, change constantly and are not a promise of returns.

How were stablecoin APYs spread?

Source: web3juice catalogue of public DeFi pool data, retrieved 2026-10-15 at 18:15 UTC. Pools with at least $1M TVL. APYs are as reported at that time, change constantly and are not a promise of returns.

Which stablecoins paid the most?

Single-asset pools only, so each row is one coin on its own: lending markets, savings vaults and staking pools. Coins with fewer than three pools of $1M or more are left out.

Source: web3juice catalogue of public DeFi pool data, retrieved 2026-10-15 at 18:15 UTC. Pools with at least $1M TVL. APYs are as reported at that time, change constantly and are not a promise of returns. “Middle half” is the 25th to 75th percentile.

Which chains paid more on stablecoins?

Source: web3juice catalogue of public DeFi pool data, retrieved 2026-10-15 at 18:15 UTC. Pools with at least $1M TVL. APYs are as reported at that time, change constantly and are not a promise of returns. The 8 chains with the most pools of $1M or more.

Ethereum held 169 of the 335 pools and $10.0B of the $14.9B deposited. Chain medians differ partly because some chains fund incentive programmes to attract deposits, so check what pays a rate before comparing chains on it.

Do larger stablecoin pools pay less?

Source: web3juice catalogue of public DeFi pool data, retrieved 2026-10-15 at 18:15 UTC. Pools with at least $1M TVL. APYs are as reported at that time, change constantly and are not a promise of returns.

Size alone says little about risk in either direction, but a small pool’s rate moves more as deposits come and go. See yield-bearing stablecoins for why some of the largest pools report almost nothing.

How much stablecoin yield came from reward tokens?

A pool’s APY can be base interest (paid by borrowers or trading fees) plus rewards (extra tokens, often from an incentive programme that can end). Only 127 of the 335 pools reported the two parts separately, so this table covers those pools only.

Source: web3juice catalogue of public DeFi pool data, retrieved 2026-10-15 at 18:15 UTC. Pools with at least $1M TVL. APYs are as reported at that time, change constantly and are not a promise of returns. The two medians are taken separately, so they do not add up to the median total APY.

How was this report measured?

• Data and timing. One export of the web3juice catalogue: 16,896 pools across 104 chains and 502 protocols, collected from public DeFi data feeds and retrieved on 15 October 2026 at 18:15 UTC. Every row in the export carried that same retrieval time. The feeds’ own observation times are not part of the export, so a figure may be older than the retrieval time by up to one feed refresh.
• Pool selection. Active pools whose every asset carries one of 19 recognised stablecoin labels: 1,115 pools, of which 843 hold a single stablecoin and 272 pair two. Of these, the 335 with at least $1M of total value locked (TVL) are the report’s pools.
• What is left out. 780 stablecoin pools under $1M, and none without a reported APY or TVL. Pools with any non-stablecoin asset are outside the filter. Yield-bearing tokens (sUSDS, sUSDe, sDAI, syrupUSDC, USDY) are not counted as stablecoins and appear only in the finding about sUSDe. 16 of the 335 pools reported a 0% APY and are included.
• APY. The total annual yield each pool reported at that moment, including reward tokens where reported. It is not a forecast and not a realised return.
• Base and reward APY. Counted only where a pool reports both parts (127 pools). A blank reward figure is treated as “not reported”, not as zero. A pool “paid some rewards” if its reward APY was above zero.
• Medians and percentiles. Each pool counts once, whatever its size. Percentiles interpolate linearly between ranked pool APYs. The deposit-weighted average weights each pool by its TVL. Coin rows use single-asset pools of that coin only; chain rows show the 8 chains with the most pools.
• Known limits. One moment, not a monthly average. Stablecoin labels are not a check of token contracts or pegs. APYs are as the feeds reported them and are not independently verified. Nothing here assesses a pool’s risk.
• Editions. Each monthly edition is generated the same way from that day’s export, keeps its own address and is not changed after it goes live.

Want the pools behind these numbers? Search and filter them in the explorer. Weighing a rate? Try the APY calculator.

How to cite this report

web3juice, “Stablecoin yield report, October 2026 edition”, data retrieved 15 October 2026 at 18:15 UTC, https://web3juice.com/stablecoin-yield-report/2026-10.

Please quote figures with their retrieval date. Nothing in this report is financial advice.

All editions

• October 2026 edition, retrieved 15 October 2026: 335 pools, median APY 4.19%.