DeFiStar.io

Real-time Stablecoin Yields Tracker

DeFi Risk Radar

The safest pools in DeFi, verified by Audit Scores, Liquidity Depth, and Oracle Pegs.

Active Tracking: 23 Jan 2026, 14:10 UTC
$26,112M
Protected TVL
3.55%
Avg Safe APY
Aave V3
Dominant Safe Protocol
Ethereum
Safest Chain
sUSDS
Sky Protocol • Ethereum
100
TVL Depth $3,980.8M
Current Yield 4.50%
Live Oracle Peg $1.0000
USDS
Sky Protocol • Ethereum
100
TVL Depth $3,980.8M
Current Yield 4.50%
Live Oracle Peg $1.0000
USDe
Aave V3 • Ethereum
100
TVL Depth $1,074.3M
Current Yield 1.88%
Live Oracle Peg $1.0000
RLUSD
Aave V3 • Ethereum
100
TVL Depth $605.6M
Current Yield 1.19%
Live Oracle Peg $1.0000
RLUSD
Aave V3 • Ethereum
100
TVL Depth $586.3M
Current Yield 0.68%
Live Oracle Peg $1.0000
USDC
Aave V3 • Base
100
TVL Depth $415.1M
Current Yield 3.26%
Live Oracle Peg $0.9997
DAI
Spark • Ethereum
100
TVL Depth $386.4M
Current Yield 3.17%
Live Oracle Peg $0.9996
PYUSD
Aave V3 • Ethereum
100
TVL Depth $382.1M
Current Yield 2.25%
Live Oracle Peg $1.0000
USDS
Spark • Ethereum
100
TVL Depth $369.8M
Current Yield 3.04%
Live Oracle Peg $1.0000
USDC
Aave V3 • Arbitrum
100
TVL Depth $351.3M
Current Yield 2.85%
Live Oracle Peg $0.9997
DAI
Aave V3 • Ethereum
100
TVL Depth $204.6M
Current Yield 2.26%
Live Oracle Peg $0.9996
PYUSD
Spark • Ethereum
100
TVL Depth $138.2M
Current Yield 2.00%
Live Oracle Peg $1.0000
USDtb
Aave V3 • Ethereum
100
TVL Depth $102.2M
Current Yield 1.75%
Live Oracle Peg $1.0000
USDS
Aave V3 • Ethereum
100
TVL Depth $54.6M
Current Yield 2.24%
Live Oracle Peg $1.0000
USDC
Aave V3 • Polygon
100
TVL Depth $50.4M
Current Yield 3.08%
Live Oracle Peg $0.9997
EURC
Aave V3 • Ethereum
100
TVL Depth $42.0M
Current Yield 2.91%
Live Oracle Peg FX $1.0800
EURC
Aave V3 • Base
100
TVL Depth $23.3M
Current Yield 1.20%
Live Oracle Peg FX $1.0800
GHO
Aave V3 • Base
100
TVL Depth $10.2M
Current Yield 3.49%
Live Oracle Peg $1.0000
LUSD
Aave V3 • Ethereum
99
TVL Depth $1.9M
Current Yield 1.99%
Live Oracle Peg $1.0003
USDT
Aave V3 • Ethereum
97
TVL Depth $6,847.9M
Current Yield 3.34%
Live Oracle Peg $0.9990
USDT
Spark • Ethereum
97
TVL Depth $296.8M
Current Yield 3.65%
Live Oracle Peg $0.9990
USDtb
Aave V3 • Ethereum
97
TVL Depth $202.7M
Current Yield 0.55%
Live Oracle Peg $1.0000
DAI
Maker DSR • Ethereum
97
TVL Depth $163.8M
Current Yield 6.00%
Live Oracle Peg $0.9996
USDC
Aave V3 • Optimism
96
TVL Depth $2.3M
Current Yield 1.60%
Live Oracle Peg $0.9997
USDT
Compound V3 • Ethereum
95
TVL Depth $220.6M
Current Yield 3.43%
Live Oracle Peg $0.9990
USDC
Aave V3 • Ethereum
93
TVL Depth $5,118.6M
Current Yield 3.74%
Live Oracle Peg $0.9997
USDC
Spark • Ethereum
93
TVL Depth $57.6M
Current Yield 2.77%
Live Oracle Peg $0.9997
USDC
Compound V3 • Ethereum
92
TVL Depth $413.6M
Current Yield 3.84%
Live Oracle Peg $0.9997
USDC
Aave V3 • Optimism
92
TVL Depth $23.6M
Current Yield 3.28%
Live Oracle Peg $0.9997
USDC
Compound V3 • Optimism
92
TVL Depth $4.5M
Current Yield 3.17%
Live Oracle Peg $0.9997

Market Risk Snapshot

Our DeFi risk management dashboard algorithms are currently tracking 30 high-safety liquidity pools. The aggregated data represents a total of $26,112M in verified assets, offering a weighted average yield of 3.55%.

This dynamic selection filters out 95% of the market, displaying only safest DeFi pools with audits that have demonstrated resilience against volatility and smart contract exploits. Currently, Aave V3 appears most frequently in our safety index, indicating a high concentration of audited, blue-chip opportunities within that ecosystem.

Safety First Methodology

Safety Score 85+ Only: This dashboard strictly filters for pools with a Safety Score of 85 or higher. This score, generated by our internal engine, uses a weighted formula: Asset Strength (40%), Protocol Trust (40%), and Chain Security (20%), with penalties and bonuses applied based on real-time metrics.

Peg Verification: Even a safe protocol is risky if the asset fails. We cross-reference every pool with live Chainlink Oracle data to ensure the underlying asset is holding its $1.00 peg.

Calculation Transparency (How We Score)

Safety Score (0-100 Scale)

Each pool receives a proprietary Safety Score based on a weighted formula:

Base Score = (Asset Strength × 0.4) + (Protocol Trust × 0.4) + (Chain Security × 0.2)
  • Asset Strength (40% weight): Blue-chip stablecoins (USDC, USDT, DAI) with proven peg stability and transparent collateral score highest. Lesser-known assets receive lower scores.
  • Protocol Trust (40% weight): Established protocols like Aave, Compound, and Maker with extensive audit history, time in market, and clean security records score highest.
  • Chain Security (20% weight): Ethereum mainnet scores 100. Major L2s (Arbitrum, Optimism, Base) score 85-88. Newer or less decentralised chains score lower.

Risk Penalties (Deducted from Base)

  • Low TVL (<$1M): -5 to -15 pts (liquidity risk)
  • High Utilisation (>90%): -10 pts (withdrawal risk)
  • Extreme APY (>15%): -5 to -10 pts (volatility/sustainability risk)
  • Low Utilisation (<5%): -5 pts (inefficient/zombie pool)

Safety Bonuses (Added to Base)

  • Deep Liquidity (>$100M TVL): +5 pts
  • Optimal Utilisation (40-70%): +3 pts
  • Stable Yield Range (3-7% APY): +2 pts

Scores are recalculated hourly based on live on-chain data. Only pools scoring 85+ appear on this dashboard.

TVL-Weighted Average Yield

The "Avg Safe APY" displayed represents the dollar-weighted average yield across all filtered pools:

Weighted APY = SUM(pool.tvl × pool.apy) / SUM(pool.tvl)

Example Calculation:

  • Pool A: $10,000M TVL × 3.0% APY = $300M annual yield
  • Pool B: $1,000M TVL × 5.0% APY = $50M annual yield
  • Total: $11,000M TVL, $350M annual yield
  • Weighted APY: $350M ÷ $11,000M = 3.18%

This method reflects the actual average yield an investor would earn by distributing capital proportionally across all pools. Large pools naturally have more weight in the calculation.

Current Values: $26,112M total TVL, 3.55% weighted average yield across 30 pools.

Filter Criteria

  • Safety Score: Must be ≥85/100 (top 5% of all pools)
  • Minimum TVL: >$1,000,000 (ensures adequate liquidity depth)
  • Peg Stability: Stablecoins must maintain ±1% of $1.00 peg
  • Asset Type: Focus on major stablecoins and verified assets
  • Protocol Status: Active, non-deprecated pools only

Dominance Metrics

Dominant Safe Protocol: Aave V3

Determined by frequency count (which protocol appears most often in filtered results). Currently tracking 19 pools from Aave V3.

Safest Chain: Ethereum

Determined by frequency count (which blockchain has the most high-safety pools). Currently tracking 22 pools on Ethereum.

Peg Monitoring

All stablecoin pegs are monitored in real-time via Chainlink Price Feed Oracles:

  • ✅ Green Peg: Within 1% of $1.00 target (considered stable)
  • ⚠️ Yellow Warning: Deviation >1% but <2% (monitoring closely)
  • 🚨 Red Alert: Deviation >2% (significant depeg event)
  • 💱 FX Notation: Non-USD assets (EURC, EURT) display forex rate, not flagged as depegged

Analysing DeFi Risk Factors

To maintain a high Safety Score, pools must score well across our three-pillar methodology:

Optimising Your Yield Strategy

While no DeFi activity is entirely risk-free, utilising the Risk Radar allows investors to mitigate exposure to common vectors such as impermanent loss and rug pulls. By focussing on established protocols with proven track records, users can build a yield farming portfolio that balances attractive returns with capital preservation.

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Source: DeFiStar.io (2026). "DeFi Yield Analytics". Analytics by MooniTooki. Ref: DFS-260123-1431-4223. Retrieved 23 Jan 2026, 14:31 UTC

Disclaimer: This risk dashboard is for informational purposes only. Safety scores are calculated based on historical data and on-chain metrics but do not guarantee future performance or security. Always conduct your own due diligence. Terms of Service apply.

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Notice: This website provides informational analytics and data services only. We are not authorised or regulated by the Financial Conduct Authority (FCA). We do not offer, facilitate, or provide any financial services or products, including cryptocurrencies, digital assets, or derived products. Content on this site does not constitute financial advice.
DeFiStar.io is an independent data utility. We do not accept listing fees, we do not have an affiliate relationship with protocols, and we do not sell financial products. Our rankings are 100% algorithmic based on on-chain liquidity and smart contract data.
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