Curated · Conservative tier

Conservative stablecoin yields for institutional-grade allocation

10 pre-vetted positions. Methodology-graded. Risk-disclosed. Updated every 10 minutes. Built for allocators with $250K–$5M in stablecoins asking “what now?”

How we picked these. Pools below are filtered from the live DefiLlama universe by (a) stablecoin-to-stablecoin pair (no impermanent-loss exposure to volatile assets), (b) TVL ≥ $25.0M (institutional liquidity floor), (c) APY ≤ 12% (defensible conservative upper bound), (d) real-yield ratio > 0 (some component of yield comes from base interest, not pure token emissions), and (e) not an algorithmic stablecoin protocol. Sorted by TVL descending. This is methodology classification, not investment advice — see methodology for the full scoring framework.

#	Pool	Chain	TVL	APY (total)	Base / Reward
1	sky-lending SUSDS	Ethereum	$6.06B	3.65%	3.65% / 0.00%	—
2	maple USDC	Ethereum	$3.39B	4.83%	4.83% / 0.00%	—
3	spark-savings USDT	Ethereum	$1.27B	2.50%	2.50% / 0.00%	—
4	spark-savings USDC	Ethereum	$956.2M	3.65%	3.65% / 0.00%	—
5	maple USDT	Ethereum	$927.0M	4.39%	4.39% / 0.00%	—
6	ondo-yield-assets USDY	Ethereum	$742.5M	3.55%	3.55% / 0.00%	—
7	morpho-blue STEAKUSDC	Base	$468.0M	4.62%	4.62% / 0.00%	—
8	jupiter-lend USDC	Solana	$453.2M	4.53%	3.46% / 1.08%	—
9	aave-v3 USDE	MegaETH	$398.8M	0.01%	0.01% / 0.00%	—
10	morpho-blue GTUSDCP	Base	$367.4M	4.62%	4.62% / 0.00%	—

Full universe

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Methodology

How StableLens grades pools →

Six compliance dimensions plus ten yield-risk dimensions. Apache 2.0.

Not investment advice. StableLens publishes methodology classifications based on disclosed criteria. These are not investment recommendations. Stablecoin and DeFi positions carry material risk including peg deviation, smart-contract exploit, and total loss of capital. Allocation decisions remain with the allocator.