TokenBank auf Deutsch · Stablecoin-Zinsen
Wo gibt es die höchsten Zinsen auf USDC und USDT?
Kurz gesagt
275 Lending-Märkte für Stablecoins mit Zins in unseren Daten, auf 25 Netzwerken. Der Median liegt bei 5,1 %. Am höchsten: Accountable — USDC lending (Earn ACC Points) mit 20,43 %. Die Zinsen ändern sich laufend; sehr hohe Sätze enthalten oft Anreize oder kleine Märkte.
Auf DeFi-Lending-Märkten verleiht man Stablecoins an Kreditnehmer, die dafür Sicherheiten hinterlegen. Der Zins ist variabel und folgt der Nachfrage nach Krediten. Es bleibt Smart-Contract-Risiko, und manche Sätze enthalten Belohnungspunkte oder Token-Anreize, die nicht dauerhaft gezahlt werden. Einlagensicherung gibt es keine.
Datenstand 2026-10-28 · Keine Anlageberatung. Wer kaufen darf, bestimmt der Emittent. · English
50 von 275 angezeigt · alle über die offene API
| Token | Emittent | Rendite | Mindestbetrag | Blockchain | Status |
|---|---|---|---|---|---|
| Accountable — USDC lending (Earn ACC Points) on Ethereum DL-ACCOUNTABLE-USDC-ETHEREUM-3F3D | Accountable (protocol) | 20.43% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | aktiv |
| Euler V2 — USDC lending (Clearstar Earn USDC) on Monad DL-EULERV2-USDC-MONAD | Euler V2 (protocol) | 13.79% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Monad | aktiv |
| 3Jane Lending — SUSD3 lending on Ethereum DL-3JANELENDING-SUSD3-ETHEREUM | 3Jane Lending (protocol) | 13.6% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | aktiv |
| Accountable — USDC lending on Ethereum DL-ACCOUNTABLE-USDC-ETHEREUM-3889 | Accountable (protocol) | 13.44% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | aktiv |
| Accountable — USDC lending (Earn ACC Points) on Monad DL-ACCOUNTABLE-USDC-MONAD-5935 | Accountable (protocol) | 13.16% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Monad | aktiv |
| Accountable — USDC lending on Ethereum DL-ACCOUNTABLE-USDC-ETHEREUM-0E00 | Accountable (protocol) | 12.13% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | aktiv |
| Accountable — USDC lending on Monad DL-ACCOUNTABLE-USDC-MONAD-D0B9 | Accountable (protocol) | 12.09% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Monad | aktiv |
| Rhea Lend — USDT lending on Near DL-RHEALEND-USDT-NEAR | Rhea Lend (protocol) | 11.93% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Near | aktiv |
| Morpho Blue — FCUSDT lending on Ethereum DL-MORPHOBLUE-FCUSDT-ETHEREUM | Morpho Blue (protocol) | 11.7% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | aktiv |
| Rhea Lend — USDC lending on Near DL-RHEALEND-USDC-NEAR | Rhea Lend (protocol) | 11.44% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Near | aktiv |
| Pareto Credit — USDC lending (Bastion) on Ethereum DL-PARETOCREDIT-USDC-ETHEREUM-131F | Pareto Credit (protocol) | 10.59% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | aktiv |
| Accountable — USDC lending (Earn ACC Points) on Monad DL-ACCOUNTABLE-USDC-MONAD-1A9C | Accountable (protocol) | 9.74% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Monad | aktiv |
| Pareto Credit — USDC lending (Adaptive Frontier) on Ethereum DL-PARETOCREDIT-USDC-ETHEREUM-33C3 | Pareto Credit (protocol) | 9.38% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | aktiv |
| Morpho Blue — APYXAPXUSD lending on Ethereum DL-MORPHOBLUE-APYXAPXUSD-ETHEREUM | Morpho Blue (protocol) | 9.14% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | aktiv |
| Morpho Blue — NOONECOUSDC lending on Base DL-MORPHOBLUE-NOONECOUSDC-BASE | Morpho Blue (protocol) | 9.03% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Base | aktiv |
| Morpho Blue — ROXCUSDC lending on Ethereum DL-MORPHOBLUE-ROXCUSDC-ETHEREUM | Morpho Blue (protocol) | 8.82% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | aktiv |
| Morpho Blue — AUGUSTUSDCV2 lending on Monad DL-MORPHOBLUE-AUGUSTUSDCV2-MONAD | Morpho Blue (protocol) | 8.7% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Monad | aktiv |
| Lista Lending — USDT lending on BSC DL-LISTALENDING-USDT-BSC | Lista Lending (protocol) | 8.64% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | BSC | aktiv |
| Loopscale Lending — USD.INFRA lending on Solana DL-LOOPSCALELENDING-USDINFRA-SOLANA | Loopscale Lending (protocol) | 8.62% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Solana | aktiv |
| Kamino Lend — USDC lending (Plume x Re7 USDC) on Solana DL-KAMINOLEND-USDC-SOLANA-0BA9 | Kamino Lend (protocol) | 8.42% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Solana | aktiv |
| Morpho Blue — HUMAUSDC lending on Ethereum DL-MORPHOBLUE-HUMAUSDC-ETHEREUM | Morpho Blue (protocol) | 8.39% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | aktiv |
| Sky Lending — USDS lending (GROVE Farming Pool) on Ethereum DL-SKYLENDING-USDS-ETHEREUM | Sky Lending (protocol) | 8.27% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | aktiv |
| Dolomite — USD1 lending on Ethereum DL-DOLOMITE-USD1-ETHEREUM | Dolomite (protocol) | 8.22% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | aktiv |
| Aave V4 — USDT lending (Core) on Ethereum DL-AAVEV4-USDT-ETHEREUM | Aave V4 (protocol) | 8.14% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | aktiv |
| Morpho Blue — ROXUSDCY lending on Ethereum DL-MORPHOBLUE-ROXUSDCY-ETHEREUM | Morpho Blue (protocol) | 8.13% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | aktiv |
| Pareto Credit — USDC lending (FalconX) on Ethereum DL-PARETOCREDIT-USDC-ETHEREUM-2EB2 | Pareto Credit (protocol) | 8.06% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | aktiv |
| Morpho Blue — BBQUSDG lending on Arbitrum DL-MORPHOBLUE-BBQUSDG-ARBITRUM | Morpho Blue (protocol) | 8% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Arbitrum | aktiv |
| Morpho Blue — GTUSDGP lending on Arbitrum DL-MORPHOBLUE-GTUSDGP-ARBITRUM | Morpho Blue (protocol) | 8% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Arbitrum | aktiv |
| Morpho Blue — M1USDC lending on Ethereum DL-MORPHOBLUE-M1USDC-ETHEREUM | Morpho Blue (protocol) | 7.92% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | aktiv |
| Morpho Blue — Y10KAUSD lending on Monad DL-MORPHOBLUE-Y10KAUSD-MONAD | Morpho Blue (protocol) | 7.85% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Monad | aktiv |
| Morpho Blue — HYPERUSDCA lending on Monad DL-MORPHOBLUE-HYPERUSDCA-MONAD | Morpho Blue (protocol) | 7.8% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Monad | aktiv |
| Morpho Blue — RESERVOIRUSDC lending on Ethereum DL-MORPHOBLUE-RESERVOIRUSDC-ETHEREUM | Morpho Blue (protocol) | 7.8% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | aktiv |
| Morpho Blue — SATUSDC lending on Monad DL-MORPHOBLUE-SATUSDC-MONAD | Morpho Blue (protocol) | 7.64% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Monad | aktiv |
| Morpho Blue — CSUSDCCORE lending on Ethereum DL-MORPHOBLUE-CSUSDCCORE-ETHEREUM | Morpho Blue (protocol) | 7.6% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | aktiv |
| Morpho Blue — GUSDTQ lending on Ethereum DL-MORPHOBLUE-GUSDTQ-ETHEREUM | Morpho Blue (protocol) | 7.56% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | aktiv |
| Morpho Blue — UNIUSDT lending on Ethereum DL-MORPHOBLUE-UNIUSDT-ETHEREUM | Morpho Blue (protocol) | 7.56% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | aktiv |
| Kamino Lend — USDC lending (Kamino Institutional USDC) on Solana DL-KAMINOLEND-USDC-SOLANA-513E | Kamino Lend (protocol) | 7.53% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Solana | aktiv |
| Kamino Lend — USDG lending (Steakhouse USDG High Yield) on Solana DL-KAMINOLEND-USDG-SOLANA-C21A | Kamino Lend (protocol) | 7.51% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Solana | aktiv |
| Morpho Blue — ARMUSDTP lending on Ethereum DL-MORPHOBLUE-ARMUSDTP-ETHEREUM | Morpho Blue (protocol) | 7.5% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | aktiv |
| Morpho Blue — STEAKUSDT lending on Ethereum DL-MORPHOBLUE-STEAKUSDT-ETHEREUM-EF5D | Morpho Blue (protocol) | 7.48% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | aktiv |
| Accountable — AUSD lending on Monad DL-ACCOUNTABLE-AUSD-MONAD-06C8 | Accountable (protocol) | 7.47% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Monad | aktiv |
| Morpho Blue — GTUSDTP lending on Ethereum DL-MORPHOBLUE-GTUSDTP-ETHEREUM | Morpho Blue (protocol) | 7.47% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | aktiv |
| Morpho Blue — CSAAUSD lending on Monad DL-MORPHOBLUE-CSAAUSD-MONAD | Morpho Blue (protocol) | 7.39% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Monad | aktiv |
| Loopscale Lending — USDC lending on Solana DL-LOOPSCALELENDING-USDC-SOLANA-D449 | Loopscale Lending (protocol) | 7.28% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Solana | aktiv |
| Accountable — USDC lending (Earn ACC Points) on Monad DL-ACCOUNTABLE-USDC-MONAD-313B | Accountable (protocol) | 7.26% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Monad | aktiv |
| Morpho Blue — PENDLEUSDCHY lending on Ethereum DL-MORPHOBLUE-PENDLEUSDCHY-ETHEREUM | Morpho Blue (protocol) | 7.25% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | aktiv |
| Morpho Blue — K3USDC lending on Base DL-MORPHOBLUE-K3USDC-BASE | Morpho Blue (protocol) | 7.24% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Base | aktiv |
| Morpho Blue — GTUSDT lending on Ethereum DL-MORPHOBLUE-GTUSDT-ETHEREUM | Morpho Blue (protocol) | 7.22% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | aktiv |
| Current — USDC lending (MainMarket) on Sui DL-CURRENT-USDC-SUI | Current (protocol) | 7.2% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Sui | aktiv |
| Morpho Blue — VBGTUSDT lending on Ethereum DL-MORPHOBLUE-VBGTUSDT-ETHEREUM | Morpho Blue (protocol) | 7.2% (variable, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | aktiv |
Häufige Fragen
Ist das wie Tagesgeld?
Nein. Es gibt keine Einlagensicherung, der Zins ist variabel, und es besteht Smart-Contract- und Stablecoin-Risiko.
Warum ist ein Satz so viel höher als der Rest?
Oft durch Belohnungspunkte oder Token-Anreize, durch einen kleinen Markt mit hoher Auslastung oder durch riskantere Sicherheiten. Solche Sätze halten selten lange.
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