Best fit for tokenized Treasury exposure
Ondo USDY
USDY links its return to a tokenized short-term Treasury and bank-deposit structure.
Important: It is not a bank deposit or ordinary stablecoin, and eligibility is limited.
Last verified
Stablecoin yield comparison
Compare the yield source before the rate.
Users may be able to earn yield on assets such as USDT or USDC, but returns, access and risks differ significantly by platform and product type.
Editorially verified:
Which option fits me?
Choose a structure before comparing a rate
These are fit-based starting points, not universal rankings.
Consider for simple centralized access
Binance Simple Earn
Eligible account holders can check flexible or locked products in one custodial platform.
Important: Rates, quotas and country availability are account-specific and can change.
Last verified
CHECK AVAILABLE RATEBest fit for self-custody users
Uniswap Liquidity Pools
Liquidity positions stay onchain and earn trading fees rather than a quoted savings rate.
Important: Impermanent loss, depeg, smart-contract and network risks apply.
Last verified
CHECK AVAILABLE RATEConsider if flexible access matters
Nexo USDC Savings
The official product describes flexible and fixed-term USDC options.
Important: Eligibility, portfolio thresholds, tiers and counterparty risk apply.
Last verified
VIEW CURRENT TERMSDirect answer
These products are not interchangeable.
Centralized savings, liquidity pools and tokenized Treasury products produce returns differently. A higher advertised yield usually comes with higher or less familiar risk.
Centralized savings
A platform holds assets and sets account rates and terms.
Liquidity pools
Fees depend on trading activity, pool composition and position management.
Tokenized Treasuries
Return comes from underlying instruments through a token and legal structure.
Compare
Stablecoin yield products
| Product | Asset | Type | Advertised rate | Access | Main risk | Action |
|---|---|---|---|---|---|---|
| Ondo USDYVerified 2026-07-31 | USDY | tokenized treasury | 3.55% APYvariable | No fixed lockup stated; subscriptions and redemptions follow product terms | Not a bank deposit or ordinary stablecoin; eligibility, token price and redemption mechanics apply. | |
| Binance Simple EarnVerified 2026-07-31 | USDT / USDC | centralized savings | Not publicly verifiedvariable | Flexible and locked products may be offered | Rates, tiers, quotas and country availability can change; promotional maximums are not normal rates. | CHECK AVAILABLE RATE |
| Uniswap Liquidity PoolsVerified 2026-07-31 | Stablecoin pairs | liquidity pool | Not publicly verifiednot-applicable | No fixed lockup at protocol level | Impermanent loss, depeg, out-of-range positions, smart-contract failure and network fees. | CHECK AVAILABLE RATE |
| Nexo USDC SavingsVerified 2026-07-31 | USDC | centralized savings | Up to 6.5% annual interesttiered | Flexible or fixed-term options | Not a bank deposit; rate, loyalty tier, jurisdiction and counterparty conditions apply. | VIEW CURRENT TERMS |
Tokenized Treasury exposure
Ondo USDY
3.55% APY
variable · USDY
- Access
- No fixed lockup stated; subscriptions and redemptions follow product terms
- Main risk
- Not a bank deposit or ordinary stablecoin; eligibility, token price and redemption mechanics apply.
- Availability
- Designed for qualifying non-US individuals and organizations.
centralized savings
Binance Simple Earn
Not publicly verified
variable · USDT / USDC
- Access
- Flexible and locked products may be offered
- Main risk
- Rates, tiers, quotas and country availability can change; promotional maximums are not normal rates.
- Availability
- Product availability must be checked in the user’s Binance account and jurisdiction.
Self-custody DeFi option
Uniswap Liquidity Pools
Not publicly verified
not-applicable · Stablecoin pairs
- Access
- No fixed lockup at protocol level
- Main risk
- Impermanent loss, depeg, out-of-range positions, smart-contract failure and network fees.
- Availability
- Permissionless protocol access, subject to interface, wallet, network and local legal restrictions.
Centralized flexible option
Nexo USDC Savings
Up to 6.5% annual interest
tiered · USDC
- Access
- Flexible or fixed-term options
- Main risk
- Not a bank deposit; rate, loyalty tier, jurisdiction and counterparty conditions apply.
- Availability
- Not all services or assets are available in every jurisdiction; users must check their account.
Bank USD savings and crypto yield are not equivalent
| Factor | Bank USD savings | Crypto stablecoin yield |
|---|---|---|
| Deposit insurance | May apply within legal limits at an eligible insured bank. | Generally absent; token and platform structures differ. |
| Principal protection | Account terms and applicable banking law define protection. | No general principal guarantee; depeg and product loss are possible. |
| Yield source | Bank lending, reserves and monetary conditions. | Lending, trading fees, incentives or underlying financial instruments. |
| Main risks | Bank, inflation and rate risk within the applicable framework. | Issuer, counterparty, custody, smart-contract, liquidity and depeg risk. |
| Liquidity | Often liquid, subject to account terms. | May be flexible, locked, gated or dependent on onchain liquidity. |
| Regulatory protection | Country-specific banking and consumer protections may apply. | Varies widely by product, provider and jurisdiction. |
Higher advertised yield usually comes with higher or less familiar risk.
How we verify rates and terms
Binance Simple Earn sources
Last verified 2026-07-31.
Risk and affiliate disclosure
Stablecoins can depeg, platforms can fail, smart contracts can be exploited, withdrawals can be delayed and advertised rates can fall. Some links may support CU, but that does not decide which products are included.