DeFiStar.io

Real-time Stablecoin Yields Tracker

The Safety Index

Prioritising capital preservation. We filter the noise to highlight pools with high solvency scores, deep liquidity, and audited smart contracts.
Data Updated: 23 Jan 2026, 13:00 UTC

Protocol Reputation

We weigh the Protocol Score heavily. Blue chips like Aave and Compound benefit from years of time-tested resilience (Lindy Effect) and rigorous audit histories, forming the "Base Strength" of the score.

Liquidity Bonuses

High APY is useless if you cannot withdraw. Our algorithm awards Safety Bonuses to pools with deep TVL (> $100M) and penalises low liquidity, ensuring minimal slippage on exit.

Risk Penalties

Scores are actively reduced by Risk Penalties. We detect "Utilisation Squeezes" (>90% borrowed) and volatility spikes, deducting points to reflect the increased risk of a liquidity crisis.

Top Rated Safety Pools
Simulate Safe Portfolio
Asset Protocol Chain Safety Score Current APY TVL Utilisation Action
DAI
Maker DSR Ethereum
85/100
6.00% $163.8M N/A
USDS
Sky Protocol Ethereum
100/100
4.50% $3,983.8M 64.03%
USDC
Aave V3 Ethereum
80/100
3.72% $5,127.0M 91.34%
USDT
Spark Ethereum
90/100
3.62% $298.3M N/A
USDT
Compound V3 Ethereum
88/100
3.54% $221.1M 88.47%
GHO
Aave V3 Base
100/100
3.49% $10.2M 66.21%
EURC
Aave V3 Ethereum
90/100
3.34% $64.4M 78.61%
USDT
Aave V3 Ethereum
90/100
3.34% $6,845.8M 86.88%
USDC
Aave V3 Base
98/100
3.25% $418.5M 70.60%
DAI
Spark Ethereum
100/100
3.17% $386.4M N/A
USDC
Aave V3 Polygon
97/100
3.08% $50.4M 65.25%
USDS
Spark Ethereum
100/100
3.04% $362.7M N/A
EURC
Aave V3 Ethereum
100/100
2.91% $42.0M 69.67%
USDC
Aave V3 Arbitrum
88/100
2.85% $351.6M 78.95%
USDC
Spark Ethereum
80/100
2.77% $57.6M N/A
DAI
Aave V3 Ethereum
90/100
2.26% $204.6M 79.58%
USDS
Aave V3 Ethereum
100/100
2.24% $54.6M 42.53%
PYUSD
Spark Ethereum
100/100
2.00% $138.2M N/A
USDe
Aave V3 Ethereum
100/100
1.88% $1,075.8M 69.11%
USDtb
Aave V3 Ethereum
100/100
1.75% $102.2M 54.02%
USDC
Aave V3 Optimism
82/100
1.60% $2.3M 60.28%
RLUSD
Aave V3 Ethereum
100/100
1.19% $605.6M 40.77%
RLUSD
Aave V3 Ethereum
100/100
0.68% $586.3M 20.46%
USDtb
Aave V3 Ethereum
90/100
0.55% $202.7M 33.70%
Safety FAQs

The Safety Score (0-100) is a probabilistic risk assessment derived from three layers:

1. Base Strength: A weighted average of the Asset Quality (40%), Protocol Trust (40%), and Chain Security (20%).
2. Risk Penalties: Points are deducted for high-risk behaviors, such as Utilisation Squeezes (>90%), low TVL (<$1M), or volatile yield spikes.
3. Safety Bonuses: Points are added for "Fortress" characteristics, such as extreme liquidity depth or stable historical performance.

This algorithm aligns with our detailed Risk Audits, ensuring that a score of 80+ genuinely represents a "Low Risk" environment.

Aave V3 introduces Isolation Mode and Efficiency Mode (E-Mode), which compartmentalise risk. If one asset collapses, it does not necessarily drain the entire protocol. Furthermore, Aave is governed by a DAO and holds a Safety Module (insurance fund) to cover deficit events.

While protocols like Aave have internal Safety Modules, these pools do not come with FDIC/FSCS-style insurance. Third-party insurance protocols (like Nexus Mutual) can provide cover against smart contract failure. We recommend users investigate these options for large deposits.
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Source: DeFiStar.io (2026). "DeFi Yield Analytics". Analytics by MooniTooki. Ref: DFS-260123-1301-9531. Retrieved 23 Jan 2026, 13:01 UTC

Data Sources: Safety scores derived from Aave, Compound, and Spark on-chain metrics including TVL, utilisation, and protocol maturity.
Risk Disclosure: "Safe" refers to relative risk scores based on historical data and does not guarantee solvency. DeFi involves inherent risks including smart contract failure.
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