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AI 代理能用自己的錢包買哪些代幣？
重點
我們的資料中有40個 AI 代理可用自己錢包購買的生息代幣，來自23家發行人。收益率最高的是PT-reUSDe-10DEC2026 (fixed rate to 2026-12-10)的18.89%。收益率會變動，並無保證。
這裡列出列明收益率、可在二級市場免 KYC（身分驗證）買賣，並可存放於自行託管錢包的代幣。直接向發行人認購或贖回時可能仍須身分驗證。誰可以購買由發行人決定。
資料日期 2026-10-28 · 非投資建議。誰可以購買由發行人決定。 · English
| 代幣 | 發行人 | 收益率 | 最低投資額 | 區塊鏈 | 狀態 |
|---|---|---|---|---|---|
| Pendle — PT-reUSDe-10DEC2026 (fixed rate to 2026-12-10) on Ethereum DL-PENDLEV2-REUSDE-ETHEREUM-2C9D | Pendle (protocol) | 18.89% (fixed to 2026-12-10, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | 存續中 |
| Pendle — PT-apyUSD-05NOV2026 (fixed rate to 2026-11-05) on Ethereum DL-PENDLEV2-APYUSD-ETHEREUM-9FE3 | Pendle (protocol) | 16.77% (fixed to 2026-11-05, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | 存續中 |
| Pendle — PT-sUSDx-03DEC2026 (fixed rate to 2026-12-03) on Ethereum DL-PENDLEV2-SUSDX-ETHEREUM-23A7 | Pendle (protocol) | 16.5% (fixed to 2026-12-03, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | 存續中 |
| Pendle — PT-USD3-17DEC2026 (fixed rate to 2026-12-17) on Ethereum DL-PENDLEV2-USD3-ETHEREUM-B649 | Pendle (protocol) | 15.21% (fixed to 2026-12-17, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | 存續中 |
| Pendle — PT-USDx-03DEC2026 (fixed rate to 2026-12-03) on Ethereum DL-PENDLEV2-USDX-ETHEREUM-B0B3 | Pendle (protocol) | 12.55% (fixed to 2026-12-03, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | 存續中 |
| Pendle — PT-reUSD-10DEC2026 (fixed rate to 2026-12-10) on Ethereum DL-PENDLEV2-REUSD-ETHEREUM-7ABA | Pendle (protocol) | 12.01% (fixed to 2026-12-10, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | 存續中 |
| Pendle — PT-strUSD-26NOV2026 (fixed rate to 2026-11-26) on Ethereum DL-PENDLEV2-STRUSD-ETHEREUM-5768 | Pendle (protocol) | 11.34% (fixed to 2026-11-26, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | 存續中 |
| OnRe ONyc (tokenized reinsurance, Solana) ONyc | OnRe (OnRe SAC Ltd, Bermuda, BMA) | ~11.0% (estimated, onre.finance, 2026-10-28) checked 28 Oct 2026 | None | Solana | 存續中 |
| Pendle — PT-sUSDai-25FEB2027 (fixed rate to 2027-02-25) on Arbitrum DL-PENDLEV2-SUSDAI-ARBITRUM-B44D | Pendle (protocol) | 9.35% (fixed to 2027-02-25, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Arbitrum | 存續中 |
| Pendle — PT-siUSD-07JAN2027 (fixed rate to 2027-01-07) on Ethereum DL-PENDLEV2-SIUSD-ETHEREUM-0757 | Pendle (protocol) | 9.34% (fixed to 2027-01-07, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | 存續中 |
| Pendle — PT-USDat-14JAN2027 (fixed rate to 2027-01-14) on Ethereum DL-PENDLEV2-USDAT-ETHEREUM-C359 | Pendle (protocol) | 7.53% (fixed to 2027-01-14, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | 存續中 |
| Pendle — PT-mAPOLLO-18MAR2027 (fixed rate to 2027-03-18) on Ethereum DL-PENDLEV2-MAPOLLO-ETHEREUM-43FB | Pendle (protocol) | 7.04% (fixed to 2027-03-18, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | 存續中 |
| usd.ai (staked) sUSDai | usd.ai | ~6.24% (variable) checked 18 Oct 2026 | None | Arbitrum | 存續中 |
| Pendle — PT-sUSDS-26NOV2026 (fixed rate to 2026-11-26) on Ethereum DL-PENDLEV2-SUSDS-ETHEREUM-0A3E | Pendle (protocol) | 5.44% (fixed to 2026-11-26, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | 存續中 |
| Pendle — PT-AUSD-17DEC2026 (fixed rate to 2026-12-17) on Monad DL-PENDLEV2-AUSD-MONAD-653D | Pendle (protocol) | 5.36% (fixed to 2026-12-17, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Monad | 存續中 |
| Pendle — PT-sUSDD-26NOV2026 (fixed rate to 2026-11-26) on Ethereum DL-PENDLEV2-SUSDD-ETHEREUM-714F | Pendle (protocol) | 5.35% (fixed to 2026-11-26, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | 存續中 |
| Maple Syrup USDC syrupUSDC | Maple Finance | ~5.14% checked 18 Oct 2026 | None | Ethereum / Solana / Base | 存續中 |
| Jito Staked SOL jitoSOL | Jito | ~4.78% (in SOL, incl. MEV) checked 18 Oct 2026 | None | Solana | 存續中 |
| Usual USD0++ USD0++ | Usual | ~4.78% (T-bill base + USUAL rewards) checked 18 Oct 2026 | None | Ethereum | 存續中 |
| Pendle — PT-sUSDe-26NOV2026 (fixed rate to 2026-11-26) on Ethereum DL-PENDLEV2-SUSDE-ETHEREUM-FC9A | Pendle (protocol) | 4.73% (fixed to 2026-11-26, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | 存續中 |
| Ethena Staked USDe sUSDe | Ethena Labs | ~4.71% (variable) checked 18 Oct 2026 | None | Ethereum (+L2) | 存續中 |
| Marinade Staked SOL mSOL | Marinade | ~4.6% (in SOL) checked 18 Oct 2026 | None | Solana | 存續中 |
| Falcon USDf (staked) sUSDf | Falcon Finance | ~4.58% (variable) checked 18 Oct 2026 | None | Ethereum | 存續中 |
| Pendle — PT-sUSDe-28JAN2027 (fixed rate to 2027-01-28) on Monad DL-PENDLEV2-SUSDE-MONAD-CD86 | Pendle (protocol) | 4.42% (fixed to 2027-01-28, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Monad | 存續中 |
| Jupiter Lend (USDC) JUP-LEND | Jupiter (protocol) | ~4% (variable) checked 23 Jul 2026 · over 30 days old | None | Solana | 存續中 |
| JustLend USDD (Tron) USDD-JL | JustLend DAO (Tron) | ~4% (variable) checked 23 Jul 2026 · over 30 days old | None | Tron | 存續中 |
| Staked Frax USD sfrxUSD | Frax Finance | ~4.9% (~4-5%) checked 18 Oct 2026 | None | Ethereum / Fraxtal | 存續中 |
| Sky Savings Token sUSDS | Sky (MakerDAO) | ~3.8% checked 18 Oct 2026 | None | Ethereum (+Solana, Base) | 存續中 |
| Aave USDC Lending AAVE-USDC | Aave (protocol) | ~3.76% (variable) checked 18 Oct 2026 | None | Ethereum (+many L2s) | 存續中 |
| Ondo US Dollar Yield USDY | Ondo Finance | ~3.69% checked 18 Oct 2026 | ~$50 (secondary market) | Ethereum / Solana (+10) | 存續中 |
| Spark Savings SPARK | Spark (Sky ecosystem) | ~3.6% (variable) checked 23 Jul 2026 · over 30 days old | None | Ethereum / Arbitrum / Base | 存續中 |
| Morpho Vaults (USDC) MORPHO | Morpho (vaults by curators) | ~3.5-5% (net, largest USDC vaults; variable) checked 19 Oct 2026 | None | Ethereum / Base (+) | 存續中 |
| Midas mTBILL mTBILL | Midas | ~3.42% (tracks T-bills) checked 18 Oct 2026 | None | Ethereum (+L2s, Algorand) | 存續中 |
| Centrifuge RWA Vaults CENTRIFUGE | Centrifuge (vaults per manager) | ~3-6% (per vault, variable) checked 23 Jul 2026 · over 30 days old | None | Ethereum / Avalanche (+) | 存續中 |
| ether.fi Staked ETH weETH | ether.fi | ~2.27% (in ETH + restaking) checked 18 Oct 2026 | None | Ethereum (+L2s) | 存續中 |
| Lido Staked ETH stETH | Lido DAO | ~2.2% (in ETH) checked 18 Oct 2026 | None (any amount of ETH) | Ethereum (+L2s) | 存續中 |
| Pendle — PT-wstETH-30DEC2027 (fixed rate to 2027-12-30) on Ethereum DL-PENDLEV2-WSTETH-ETHEREUM-97F2 | Pendle (protocol) | 2.2% (fixed to 2027-12-30, DefiLlama 2026-10-28) checked 28 Oct 2026 | None | Ethereum | 存續中 |
| Rocket Pool Staked ETH rETH | Rocket Pool | ~1.98% (in ETH) checked 18 Oct 2026 | From ~0.01 ETH | Ethereum (+L2s) | 存續中 |
| Savings DAI sDAI | Sky (MakerDAO) | ~1.25% checked 18 Oct 2026 | None | Ethereum (+Gnosis, L2) | 存續中 |
| Curve Savings crvUSD scrvUSD | Curve Finance | ~0.71% (variable) checked 18 Oct 2026 | None | Ethereum | 存續中 |
常見問題
有供代理使用的工具嗎？
TokenBank 為代理提供投資組合指南（https://tokenbank.world/agents/portfolio）及 MCP 伺服器（mcp.tokenbank.world）。兩者只提供資料，並非投資建議。
免 KYC 就不受監管嗎？
不是。只是二級市場買賣不需身分驗證，當地法規仍然適用，請自行確認。
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