Dashboard Safety Index Stability Tracker Portfolio Calc

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: 04 Dec 2025, 09:04 UTC

Proven Protocols

We strictly index "Blue Chip" protocols like Aave V3, Compound, and Spark. These systems hold billions in TVL and have survived multiple market cycles without insolvency.

Liquidity Depth

High APY is useless if you cannot withdraw. We filter for pools with substantial TVL (> $500k) to ensure minimal slippage and reliable exit liquidity.

Solvency Check

Utilisation rates near 100% create liquidity crises. Our Safety Score penalises pools where borrowing demand outstrips supply, ensuring your funds remain accessible.

Top Rated Safety Pools

Simulate Safe Portfolio
Asset Protocol Chain Safety Score Current APY TVL Utilisation Action
USDT
Aave V3 Ethereum
80
4.26% $6,117.4M 93.43%
USDT
Spark Ethereum
90
4.00% $315.4M N/A
USDC
Spark Ethereum
80
3.53% $57.3M N/A
USDC
Compound V3 Ethereum
88
3.51% $413.2M 87.77%
USDC
Aave V3 Ethereum
90
3.39% $5,241.7M 82.92%
USDT
Compound V3 Ethereum
88
3.38% $178.5M 84.51%
DAI
Spark Ethereum
100
3.34% $409.4M N/A
USDS
Spark Ethereum
100
3.21% $144.1M N/A
USDC
Venus BNB Chain
87
3.11% $85.4M 61.95%
USDC
Aave V3 Base
100
3.09% $402.9M 65.70%
USDC
Aave V3 Avalanche
93
3.04% $187.9M 78.70%
DAI
Aave V3 Ethereum
90
3.03% $185.6M 87.58%
USDC
Aave V3 Polygon
97
3.02% $50.8M 64.26%
EURC
Aave V3 Ethereum
100
2.91% $42.0M 69.67%
USDT
Venus BNB Chain
87
2.90% $277.6M 59.59%
USDT
Compound V3 Arbitrum
89
2.60% $32.4M 65.00%
USDC
Aave V3 Arbitrum
100
2.37% $390.3M 68.59%
USDC
Aave V3 BNB Chain
82
2.32% $26.4M 67.39%
USDS
Aave V3 Ethereum
100
2.24% $54.6M 42.53%
GHO
Aave V3 Arbitrum
82
2.24% $3.9M 66.07%
EURC
Aave V3 Base
90
2.18% $23.9M 53.10%
PYUSD
Spark Ethereum
100
2.09% $170.3M N/A
USDtb
Aave V3 Ethereum
100
1.75% $102.2M 54.02%
EURC
Aave V3 Ethereum
92
1.73% $46.4M 54.04%
PYUSD
Aave V3 Ethereum
100
1.71% $319.6M 59.33%

Safety FAQs

Safety is relative. At DeFiStar, we define "Safety" based on three weighted metrics: 1. Smart Contract Risk (40%): The protocol must be audited and time-tested (Lindy Effect). 2. Liquidity Depth (30%): There must be enough capital (TVL) to allow large withdrawals. 3. Utilisation Health (30%): We penalise pools where >90% of funds are borrowed, as this creates withdrawal friction.

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.

Related Tools

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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