Which tokenized assets can an AI agent buy on its own, without KYC — and which pays the most?
44 yield tokens in our data can be bought by an agent with no KYC. 21 pay a fixed rate if held to maturity — all Pendle principal tokens, from 2.22% to 18.64% (highest: PT-reUSDe-10DEC2026), most maturing within months; the highest rates sit on the youngest and riskiest synthetic dollars. Highest variable yields: sUSDai ~6.24% (variable); syrupUSDC ~5.14%; jitoSOL ~4.78% (in SOL, incl. MEV). None is in euros — every one is in US dollars or a crypto asset. Rates are variable unless stated and not guaranteed; the higher the rate, the more risk the underlying strategy carries.
An AI agent with its own wallet can buy a token only if nothing in the token stops it: no whitelist, no account with the issuer, no identity check on the market where it trades. This list shows the tokens where that is so — freely transferable, held in self-custody, buyable on a decentralised exchange or protocol. It describes how the token works, not who may buy it: an issuer can still not offer a product in some countries. Most tokenized securities and funds are not here, because their tokens move only between whitelisted wallets.
Figures from our live dataset · data as of 2026-10-18 · not investment advice
| Token | Issuer | Yield / return | Minimum | KYC to buy | Chain |
|---|---|---|---|---|---|
| DL-PENDLEV2-REUSDE-ETHEREUM-2C9D Pendle — PT-reUSDe-10DEC2026 (fixed rate to 2026-12-10) on Ethereum | Pendle (protocol) | 18.64% (fixed to 2026-12-10, DefiLlama 2026-10-18) | None | No KYC on a DEX | Ethereum |
| DL-PENDLEV2-SUSDX-ETHEREUM-23A7 Pendle — PT-sUSDx-03DEC2026 (fixed rate to 2026-12-03) on Ethereum | Pendle (protocol) | 18.57% (fixed to 2026-12-03, DefiLlama 2026-10-18) | None | No KYC on a DEX | Ethereum |
| DL-PENDLEV2-APYUSD-ETHEREUM-9FE3 Pendle — PT-apyUSD-05NOV2026 (fixed rate to 2026-11-05) on Ethereum | Pendle (protocol) | 15.94% (fixed to 2026-11-05, DefiLlama 2026-10-18) | None | No KYC on a DEX | Ethereum |
| DL-PENDLEV2-USD3-ETHEREUM-B649 Pendle — PT-USD3-17DEC2026 (fixed rate to 2026-12-17) on Ethereum | Pendle (protocol) | 15.11% (fixed to 2026-12-17, DefiLlama 2026-10-18) | None | No KYC on a DEX | Ethereum |
| DL-PENDLEV2-SIUSD-ETHEREUM-28C5 Pendle — PT-siUSD-22OCT2026 (fixed rate to 2026-10-22) on Ethereum | Pendle (protocol) | 13.69% (fixed to 2026-10-22, DefiLlama 2026-10-18) | None | No KYC on a DEX | Ethereum |
| DL-PENDLEV2-USDX-ETHEREUM-B0B3 Pendle — PT-USDx-03DEC2026 (fixed rate to 2026-12-03) on Ethereum | Pendle (protocol) | 13.43% (fixed to 2026-12-03, DefiLlama 2026-10-18) | None | No KYC on a DEX | Ethereum |
| DL-PENDLEV2-REUSD-ETHEREUM-7ABA Pendle — PT-reUSD-10DEC2026 (fixed rate to 2026-12-10) on Ethereum | Pendle (protocol) | 12.13% (fixed to 2026-12-10, DefiLlama 2026-10-18) | None | No KYC on a DEX | Ethereum |
| DL-PENDLEV2-SIERRA-ETHEREUM-B01F Pendle — PT-SIERRA-22OCT2026 (fixed rate to 2026-10-22) on Ethereum | Pendle (protocol) | 11.97% (fixed to 2026-10-22, DefiLlama 2026-10-18) | None | No KYC on a DEX | Ethereum |
| DL-PENDLEV2-STRUSD-ETHEREUM-5768 Pendle — PT-strUSD-26NOV2026 (fixed rate to 2026-11-26) on Ethereum | Pendle (protocol) | 11.51% (fixed to 2026-11-26, DefiLlama 2026-10-18) | None | No KYC on a DEX | Ethereum |
| DL-PENDLEV2-SIUSD-ETHEREUM-0757 Pendle — PT-siUSD-07JAN2027 (fixed rate to 2027-01-07) on Ethereum | Pendle (protocol) | 10.02% (fixed to 2027-01-07, DefiLlama 2026-10-18) | None | No KYC on a DEX | Ethereum |
| DL-PENDLEV2-SUSDAI-ARBITRUM-B44D Pendle — PT-sUSDai-25FEB2027 (fixed rate to 2027-02-25) on Arbitrum | Pendle (protocol) | 8.8% (fixed to 2027-02-25, DefiLlama 2026-10-18) | None | No KYC on a DEX | Arbitrum |
| DL-PENDLEV2-USDAT-ETHEREUM-C359 Pendle — PT-USDat-14JAN2027 (fixed rate to 2027-01-14) on Ethereum | Pendle (protocol) | 8.02% (fixed to 2027-01-14, DefiLlama 2026-10-18) | None | No KYC on a DEX | Ethereum |
| DL-PENDLEV2-MAPOLLO-ETHEREUM-43FB Pendle — PT-mAPOLLO-18MAR2027 (fixed rate to 2027-03-18) on Ethereum | Pendle (protocol) | 7.04% (fixed to 2027-03-18, DefiLlama 2026-10-18) | None | No KYC on a DEX | Ethereum |
| sUSDai usd.ai (staked) | usd.ai | ~6.24% (variable) | None | No KYC on a DEX | Arbitrum |
| DL-PENDLEV2-SRUSDE-ETHEREUM-1CE7 Pendle — PT-srUSDe-22OCT2026 (fixed rate to 2026-10-22) on Ethereum | Pendle (protocol) | 5.57% (fixed to 2026-10-22, DefiLlama 2026-10-18) | None | No KYC on a DEX | Ethereum |
| DL-PENDLEV2-SUSDD-ETHEREUM-714F Pendle — PT-sUSDD-26NOV2026 (fixed rate to 2026-11-26) on Ethereum | Pendle (protocol) | 5.47% (fixed to 2026-11-26, DefiLlama 2026-10-18) | None | No KYC on a DEX | Ethereum |
| DL-PENDLEV2-AUSD-MONAD-653D Pendle — PT-AUSD-17DEC2026 (fixed rate to 2026-12-17) on Monad | Pendle (protocol) | 5.28% (fixed to 2026-12-17, DefiLlama 2026-10-18) | None | No KYC on a DEX | Monad |
| DL-PENDLEV2-SUSDS-ETHEREUM-0A3E Pendle — PT-sUSDS-26NOV2026 (fixed rate to 2026-11-26) on Ethereum | Pendle (protocol) | 5.27% (fixed to 2026-11-26, DefiLlama 2026-10-18) | None | No KYC on a DEX | Ethereum |
| syrupUSDC Maple Syrup USDC | Maple Finance | ~5.14% | None | No KYC on a DEX | Ethereum / Solana / Base |
| DL-PENDLEV2-SUSDE-ETHEREUM-FC9A Pendle — PT-sUSDe-26NOV2026 (fixed rate to 2026-11-26) on Ethereum | Pendle (protocol) | 5.09% (fixed to 2026-11-26, DefiLlama 2026-10-18) | None | No KYC on a DEX | Ethereum |
| DL-PENDLEV2-SUSDE-PLASMA-194E Pendle — PT-sUSDe-22OCT2026 (fixed rate to 2026-10-22) on Plasma | Pendle (protocol) | 5.03% (fixed to 2026-10-22, DefiLlama 2026-10-18) | None | No KYC on a DEX | Plasma |
| DL-PENDLEV2-SUSDE-MONAD-7985 Pendle — PT-sUSDe-22OCT2026 (fixed rate to 2026-10-22) on Monad | Pendle (protocol) | 5.02% (fixed to 2026-10-22, DefiLlama 2026-10-18) | None | No KYC on a DEX | Monad |
| jitoSOL Jito Staked SOL | Jito | ~4.78% (in SOL, incl. MEV) | None | No KYC on a DEX | Solana |
| USD0++ Usual USD0++ | Usual | ~4.78% (T-bill base + USUAL rewards) | None | No KYC on a DEX | Ethereum |
| sUSDe Ethena Staked USDe | Ethena Labs | ~4.71% (variable) | None | No KYC on a DEX | Ethereum (+L2) |
| mSOL Marinade Staked SOL | Marinade | ~4.6% (in SOL) | None | No KYC on a DEX | Solana |
| sUSDf Falcon USDf (staked) | Falcon Finance | ~4.58% (variable) | None | No KYC on a DEX | Ethereum |
| JUP-LEND Jupiter Lend (USDC) | Jupiter (protocol) | ~4% (variable) | None | No KYC on a DEX | Solana |
| USDD-JL JustLend USDD (Tron) | JustLend DAO (Tron) | ~4% (variable) | None | No KYC on a DEX | Tron |
| MORPHO Morpho Vaults (USDC) | Morpho (vaults by curators) | ~4-8% (variable, per vault) | None | No KYC on a DEX | Ethereum / Base (+) |
| USDN Noble Dollar | Noble | ~4% (T-bill based) | None | No KYC on a DEX | Cosmos (Noble) / IBC |
| sfrxUSD Staked Frax USD | Frax Finance | ~4.9% (~4-5%) | None | No KYC on a DEX | Ethereum / Fraxtal |
| sUSDS Sky Savings Token | Sky (MakerDAO) | ~3.8% | None | No KYC on a DEX | Ethereum (+Solana, Base) |
| AAVE-USDC Aave USDC Lending | Aave (protocol) | ~3.76% (variable) | None | No KYC on a DEX | Ethereum (+many L2s) |
| USDY Ondo US Dollar Yield | Ondo Finance | ~3.69% | ~$50 (secondary market) | No KYC on a DEX | Ethereum / Solana (+10) |
| SPARK Spark Savings | Spark (Sky ecosystem) | ~3.6% (variable) | None | No KYC on a DEX | Ethereum / Arbitrum / Base |
| mTBILL Midas mTBILL | Midas | ~3.42% (tracks T-bills) | None | No KYC on a DEX | Ethereum (+L2s, Algorand) |
| CENTRIFUGE Centrifuge RWA Vaults | Centrifuge (vaults per manager) | ~3-6% (per vault, variable) | None | No KYC on a DEX | Ethereum / Avalanche (+) |
| weETH ether.fi Staked ETH | ether.fi | ~2.27% (in ETH + restaking) | None | No KYC on a DEX | Ethereum (+L2s) |
| DL-PENDLEV2-WSTETH-ETHEREUM-97F2 Pendle — PT-wstETH-30DEC2027 (fixed rate to 2027-12-30) on Ethereum | Pendle (protocol) | 2.22% (fixed to 2027-12-30, DefiLlama 2026-10-18) | None | No KYC on a DEX | Ethereum |
| stETH Lido Staked ETH | Lido DAO | ~2.2% (in ETH) | None (any amount of ETH) | No KYC on a DEX | Ethereum (+L2s) |
| rETH Rocket Pool Staked ETH | Rocket Pool | ~1.98% (in ETH) | From ~0.01 ETH | No KYC on a DEX | Ethereum (+L2s) |
| sDAI Savings DAI | Sky (MakerDAO) | ~1.25% | None | No KYC on a DEX | Ethereum (+Gnosis, L2) |
| scrvUSD Curve Savings crvUSD | Curve Finance | ~0.71% (variable) | None | No KYC on a DEX | Ethereum |
More questions
How does an AI agent actually buy one of these tokens?
It needs a self-custody wallet holding a stablecoin (usually USDC) and a little of the chain’s native token for fees. It then swaps the stablecoin for the token on a decentralised exchange or deposits it into the protocol — one signed transaction, no account. TokenBank’s API (?permissionless=true) and MCP server return the token, its chain and where to buy it.
Why are tokenized funds like BUIDL or BENJI not on this list?
Because their tokens move only between wallets the issuer has whitelisted after an identity check. An agent can hold them only after its principal has been onboarded by the issuer.
What is a fixed-rate token here?
A Pendle principal token (PT): bought below face value, it redeems 1:1 at a set maturity date, so the rate is locked in for whoever holds it to maturity. Selling earlier happens at the market price, and the underlying token’s own risk stays.
Which one has the lowest minimum?
sUSDai (usd.ai), with no minimum. The highest stated minimum here is USDY, with minimum ~$50 (secondary market).
Where does the yield of the top five come from?
DL-PENDLEV2-REUSDE-ETHEREUM-2C9D: Discount to face value — the yield REUSDE earns until maturity, sold upfront. DL-PENDLEV2-SUSDX-ETHEREUM-23A7: Discount to face value — the yield SUSDX earns until maturity, sold upfront. DL-PENDLEV2-APYUSD-ETHEREUM-9FE3: Discount to face value — the yield APYUSD earns until maturity, sold upfront. DL-PENDLEV2-USD3-ETHEREUM-B649: Discount to face value — the yield USD3 earns until maturity, sold upfront. DL-PENDLEV2-SIUSD-ETHEREUM-28C5: Discount to face value — the yield SIUSD earns until maturity, sold upfront.
Are these yields fixed?
23 of 44 are variable: the rate moves with markets and is not guaranteed. The figures on this page were last checked between 2026-07-23 and 2026-10-18.