Stablecoin Yield + Safety Score
USDT, USDC, DAI — yield × risk
📚 Learn more — how it works, FAQ & guide Click to expand
Learn more — how it works, FAQ & guide
Click to expand
Stablecoin Yield + Safety Score
Compare stablecoin yields with reserve transparency, regulatory exposure, depeg history, smart-contract risk. Risk-adjusted return matters more than headline APY.
How to use this tool
- 1
Pick stablecoin
USDT, USDC, DAI, USDe etc.
- 2
Pick yield platform
CeFi, DeFi, native protocol.
- 3
Risk-adjusted score
APY × safety factor.
Frequently Asked Questions
Why isn't the highest APY best?
High APY = high risk. Anchor 20% APY (UST, 2022) = $40B wiped out in 3 days. Reasonable stablecoin DeFi yield: 4-7%. Above 10% sustained = either subsidy ending soon or hidden risk.
USDT vs USDC vs DAI safety?
USDC: full audit, US-regulated, 100% backed. USDT: less transparent, larger but more controversy. DAI: decentralized, mostly USDC-backed. USDe: synthetic, Ethena-issued, newer + complex.
Smart-contract risk?
Even safe stablecoin in unsafe protocol = risk. Check: protocol TVL ($1B+ for safety), audit firms, time-since-launch, insurance coverage. Newer protocols often offer high yield to attract TVL.
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