💼 If you’re holding USDT, USDC, or other stablecoins and are tired of watching them collect dust — it’s time to put them to work.
Below is a selection of platforms offering real yields on stablecoin deposits.
1. Jupiter (up to 9% APY)
Operates within the Solana ecosystem and offers deposits in USDC, USDT, EURC, and other popular stablecoins.
The rate varies depending on the pool, as well as participation in the Fluid protocol, which provides access to over 40 yield strategies.
Jupiter is known for its high liquidity and transaction speed, while Solana’s low fees make operations much cheaper than on Ethereum.
2. Kamino (10–12% APY)
Kamino is more than a deposit — it’s a full liquidity and lending infrastructure.
You can supply USDC or USDT, participating in pools that support DEX trading and provide liquidity to traders.
The rate depends on the demand for borrowed funds: the higher the market activity, the higher the yield.
Kamino is considered one of the most resilient projects on Solana due to its automated risk management and dynamic allocation strategies.
3. Huma Finance (around 9% APY)
Huma presents itself as a PayFi platform — a blend of DeFi and traditional finance.
Its yields come not from internal tokens but from funding real-world assets and tokenized contracts.
Deposits in USDC are accepted.
For investors, it’s a way to diversify risk and tap into real-economy returns beyond purely digital assets.
4. Hylo (up to 14.3% APY)
One of the highest-yielding platforms on the list.
It offers up to 15% APY through its wrapped token sHYUSD — a version of HyloUSD backed by assets and embedded yield mechanisms.
Hylo also provides mirror assets, enabling users to participate in profitable strategies without direct exposure to their main holdings.
5. Almanak (12–14.6% APY)
Almanak is a multi-chain solution supporting deposits in USDC, USDT, and other stablecoins.
Returns depend on the chosen strategy — from simple liquidity pools to complex automated strategies with rebalancing.
The platform focuses on algorithmic capital management, minimizing manual effort and optimizing yield without constant oversight.
What You Should Know
Yield is not a guarantee.
Despite attractive rates, all these projects remain part of the crypto ecosystem, where the risks of failure, hacks, or scams never disappear.
Even the most robust protocols can face vulnerabilities or smart contract bugs.
So, don’t put all your capital into one project — better diversify across several platforms and test withdrawals before making large deposits.
⚠️ Bottom line:
The era of “idle” stablecoins is fading away.
With smart allocation and basic risk management, you can turn passive tokens into a steady income source — without dealing with volatile cryptocurrencies.
Save this list so your stables don’t sit under the pillow — but actually earn you interest.
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