Current mainstream DeFi yields are continuously declining and have generally fallen below traditional financial platform interest rates.

WuSaidBlockchainW · 2026-04-07T16:07:42+00:00

The current mainstream DeFi yields continue to decline, generally falling below traditional financial platforms. Deposit interest rates on platforms like Aave are only between 2.61% and 2.84%, with only a few products offering higher returns. DeFi faces a "high risk, low return" mismatch issue.

WuSaidBlockchainW

2026-04-07 16:07:42

Abstract generation in progress

According to CoinDesk statistics, current mainstream DeFi yield rates have continued to decline and have generally fallen below interest rates on traditional financial platforms. Among them, Aave USDC deposits are roughly 2.61% annualized, Aave USDT is about 1.84%, and Lido stETH is around 2.53%, all of which are below the 3.14% rate level of Interactive Brokers’ idle cash. Only a small number of products still maintain relatively high yields, such as Ethena sUSDe at about 3.47% and Sky USDS Savings at around 3.75%. At present, competitive returns rely more on support from RWA assets such as U.S. Treasury bills and institutional credit. DeFi is facing a yield mismatch of “higher risk, yet lower than TradFi returns.”

AAVE-8.69%

STETH-2.15%

ENA-2.04%

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