High APY Returns: Check Out These 7 New Stablecoin Pools Amid Volatile Market Conditions
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High APY Returns: Check Out These 7 New Stablecoin Pools Amid Volatile Market Conditions
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Navigating Web3 tides with focused insightsAuthor:律动
Bull market is here, and all yield mechanisms are amplifying spreads under bullish sentiment—stablecoin deposits, withdrawals, and lending can now bring "steady happiness." BlockBeats has compiled seven high-APR pools centered around major stablecoins, each offering APY above 10%. Here's an overview:
Huma Finance
Huma Finance is a decentralized yield platform operating on Solana, with returns backed by real-world payment financing activities. Launched in April 2025, it recently reopened deposits for Huma 2.0.
Users deposit USDC to mint LP share tokens: in Classic mode, users receive $PST, earning approximately 10.5% annualized USDC yield while also accumulating basic Huma Feathers; in Maxi mode, users receive $mPST, which earns no interest but offers up to 19× multiplier on Feather rewards. Each wallet can deposit a maximum of 500,000 USDC across both modes.
According to the official Dune dashboard, since the launch of Huma 2.0, the platform has facilitated around $5.62 billion in transaction volume, delivered approximately $4.59 million in total user earnings, and distributed 2.66 billion Feathers. Currently, the platform holds about $150 million in active liquidity, with $104 million allocated to PayFi (payment financing) operations and the remaining $46.015 million in Liquid state, available for immediate redemption.
Silo Finance
Silo Finance is a cross-chain, non-custodial lending protocol featuring "risk-isolated" markets—each asset operates within its own independent Silo, ensuring supply and borrowing do not interfere and risks are contained per asset. Users simply deposit supported tokens (e.g., USDC, ETH, WBTC) into corresponding Silos and automatically earn interest based on market parameters.
As per DeFiLlama data, Silo Finance currently has a total TVL of approximately $228 million, distributed across chains including Sonic ($113M), Avalanche ($46.2M), Ethereum ($44.4M), and Arbitrum ($23.53M). Selecting the USDC Managed Vault shows current APYs ranging from 7% to 13% on Silo Finance.
BFUSD
BFUSD is a "passive-yield-bearing margin asset" launched by Binance, designed specifically for futures traders. Users can exchange USDT or USDC 1:1 for BFUSD and hold it in their U-margined contract accounts. Without staking or additional actions, they automatically receive daily yield in stablecoin form.
According to the official page, BFUSD’s yield consists of three components: Base APY at 3.97%, derived from Binance’s hedging and staking strategy dividends; Derived APY at 4.89%, generated from additional yield allocation under the unified margin model, requiring at least one U-margined contract trade to activate; and Wealth Management APY at 0.40%, sourced from Binance’s wealth management product returns. Combined, these deliver a total estimated APY of 9.26%.
In terms of risk control, BFUSD maintains a system collateralization ratio of 100.87%, backed by a dedicated reserve fund of $10.34 million to ensure redeemability during extreme market volatility. The total BFUSD supply is approximately 1.435 billion, with allocation limits tied to user VIP levels. Higher quotas can be obtained via sub-account activation.
A 0.1% fee is charged on every BFUSD purchase or redemption. Rewards are calculated based on the lowest BFUSD balance recorded in the daily snapshot and are credited directly to the user’s U-margined contract account the following day. Users can view detailed records in the “Rewards History” section.
Orderly
On April 15, 2025, Orderly officially launched OmniVault—a market-making strategy managed by professional market maker Kronos Research. Users need only connect their wallets, select a network (Arbitrum, Base, Optimism, etc.), and deposit USDC into the Vault with one click to begin earning trading fee shares and market-making returns.
As of August 4, 2025, OmniVault’s TVL has surpassed $7.9M, delivering a 30-day annualized yield of 39.15% APY. The vault charges zero performance fees (0%), automatically reinvests all earnings by share, and settles share prices at the end of each 3-hour cycle.
Additionally, Orderly commits to allocating up to 40% of its protocol revenue and a portion of liquidation fund fees to OmniVault to enhance overall LP returns.
StandX
StandX is a Perps DEX currently in Alpha testing, co-founded by former Binance Futures lead Aaron Gong and his ex-Goldman Sachs colleague, and funded by the Solana Foundation. Its core product is DUSD—users can mint DUSD 1:1 using USDT or USDC.
On StandX’s “Deposit USDT to Mint DUSD” interface, users can directly select their deposit asset (e.g., USDT) and enter an amount (the system instantly displays how much DUSD they will receive). The current strategy offers an APY of 10.6%. A 0.1% fee applies upon redemption.
Holding DUSD grants access to dual yield streams: one from staking major assets like ETH and SOL, and another from funding fees earned through hedging short-term perpetual contracts. DUSD’s real-time APY has briefly approached 13%, though the seven-day average shown on the official site is around 7.5%.
Wasabi
Wasabi Protocol is a "CultureFi" leveraged trading platform founded in 2022, initially focused on leveraged long/short strategies for niche assets such as NFTs and memecoins, later expanding into broader DeFi leverage and market-making. Backers include Electric Capital, Alliance DAO, and Memeland.
Wasabi Earn, launched on the Base network, allows users to open Finance in Coinbase’s Base App, select Wasabi Earn, and deposit USDC with one click to automatically start earning up to 20% annualized yield.
This yield originates from Wasabi’s on-chain leveraged trading strategies: deposited USDC serves as liquidity across up to 456 trading pairs, funding market-making and leveraged lending. Interest paid by borrowers is ultimately returned to depositors. To date, the platform has supported $1.23B in total trading volume, with accumulated TVL reaching $23.8M.
Wildcat-KAI2USDC
Wildcat Labs, founded in 2022 and headquartered in the UK, is a "risk-isolated," uncollateralized lending protocol where each market (Silo) operates independently, preventing contagion from liquidations or vulnerabilities across markets. To date, Wildcat has deployed over five distinct asset markets across Ethereum and other mainnets, with total TVL exceeding $70 million (including the latest USDC market, which has surpassed $2.1M in borrowings).
On August 1, 2025, Bodhi Ventures—a Web3 venture firm led by Synthetix founder and Infinex co-founder Kain Warwick—launched its third USDC market on Wildcat, publicly seeking $10M in USDC with a fixed lending APR of 16%. The market is open-ended with no maturity date.
There is no minimum deposit requirement—any address that passes OFAC verification can deposit USDC. Upon deposit, users receive freely tradable debt tokens named “KAI2USDC.” Currently, $2M of the $10M capacity has been utilized, leaving $7.8M available, with 78 hours remaining. Withdrawals follow a 96-hour redemption period plus a maximum 192-hour grace period. A 0.1% fee applies to redemptions; late withdrawals incur a 0.1% penalty interest.
Aave
Last week, Ethena Liquid Leverage launched on Aave. Combined with the bull market-driven widening gap between APY and borrowing rates, short-term APY from looping strategies on Aave can reach as high as 50%.
By depositing 50% sUSDe and 50% USDe into Aave’s stablecoin E-Mode, users can borrow USDC or USDT, swap the borrowed stablecoins back into USDe, redeposit, and borrow again—repeating the cycle. Each loop generates additional native yield from sUSDe and captures the funding rate differential from USDe.
To date, typical borrowing APR (funding rate) is around 11%, while the base supply APR for depositing USDe/sUSDe is near 12%, creating a spread of approximately 7%. With five loops, the theoretical APY reaches 12% + 4 × (12% – 5%) = 40% APY. Adding Ethena’s extra incentives for Liquid Leverage (currently subsidized until end of August), short-term peak APY can rise to around 50%. However, this boost is temporary and expected to sharply decline after subsidies end.
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