Dai / USDS
DAI: rates for your exact amount
DAI: rates for your exact amountEvery open DAI product in your country, sorted by what you earn. Interest is paid in DAI itself.
Reference without venue risk: the US Treasury 13-week bill yields 4.16% a year (9 Oct 2026). A row marked "below the reference" pays less than that while carrying the venue's risk. source ↗ · the reference over time →
| Venue | You earn | Highest rate | Tier | Product | Term | Conditions | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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| Sky | 3.73%below the reference | Highest rate3.73% | B3/5· Medium risk | Sky · Ethereum | FlexibleWithdraw any time | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Sky | 3.73%below the reference | Highest rate3.73% | B3/5· Medium risk | Sky · Arbitrum | FlexibleWithdraw any time | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Spark Savings | 3.73%below the reference | Highest rate3.73% | B3/5· Medium risk | Spark Savings · Arbitrum | FlexibleWithdraw any time | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| SparkLend | 2.81%below the reference | Highest rate2.81% | B3/5· Medium risk | SparkLend · Ethereum | FlexibleWithdraw any time | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| SparkLend | 2.66%below the reference | Highest rate2.66% | B3/5· Medium risk | SparkLend · Ethereum | FlexibleWithdraw any time | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Sky | 1.24%below the reference | Highest rate1.24% | B3/5· Medium risk | Sky · Ethereum | FlexibleWithdraw any time | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Not open to everyone (new users, VIP) or a rate spike | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Crypto.com | 4.23% | Highest rate6.50% | C3/5· Higher risk | Crypto Earn Fixed 90d (Level Up Pro) | 90 days | VIP required | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Crypto.com | 3.25%below the reference | Highest rate5.00% | C3/5· Higher risk | Crypto Earn Fixed 90d (Level Up Plus) | 90 days | VIP required | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Crypto.com | 2.11%below the reference | Highest rate3.25% | C3/5· Higher risk | Crypto Earn Fixed 30d (Level Up Pro) | 30 days | VIP required | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Crypto.com | 1.63%below the reference | Highest rate2.50% | C3/5· Higher risk | Crypto Earn Fixed 30d (Level Up Plus) | 30 days | VIP required | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Tier: A lowest risk, D active incident. The number after the letter is the criteria met.
Best rate each day (10,000 USD deposit) · Flexible
Show the numbers
| Day | Sky | Spark Savings | SparkLend |
|---|---|---|---|
| 11 Oct 2026 | 3.73% | 3.73% | 2.81% |
| 10 Oct 2026 | 3.73% | 3.73% | 2.81% |
| 9 Oct 2026 | 3.73% | 3.73% | 2.81% |
| 8 Oct 2026 | 3.73% | 3.73% | 2.81% |
| 7 Oct 2026 | 3.54% | 3.54% | 2.67% |
| 6 Oct 2026 | 3.54% | 3.54% | 2.67% |
| 5 Oct 2026 | 3.54% | 3.54% | 2.67% |
| 4 Oct 2026 | 3.54% | 3.54% | 2.67% |
| 3 Oct 2026 | 3.54% | 3.54% | 2.67% |
| 2 Oct 2026 | 3.54% | 3.54% | 2.67% |
| 1 Oct 2026 | 3.54% | 3.54% | 2.67% |
| 30 Sept 2026 | 3.54% | 3.54% | 2.67% |
| 29 Sept 2026 | 3.54% | 3.54% | 2.67% |
| 28 Sept 2026 | 3.54% | 3.54% | 2.67% |
| 27 Sept 2026 | 3.54% | 3.54% | 2.67% |
| 24 Sept 2026 | 3.60% | 3.60% | 2.71% |
Risk of DAI itself B3/5· Medium risk
The coin is rated on its own; a product’s overall tier is the worse of the coin and the venue.
- Meets: Collateral is public and anyone can verify it on the blockchain
- Falls short: Reserves include over-collateralized crypto assets on the blockchain
- Falls short: Issuer has no licence from a major regulator (EU MiCA, New York, Singapore…)
- Meets: Operating since 2017-12 (8 years)
- Meets: No material depeg in the last 3 years (earlier: Depegged along with USDC during the SVB collapse due to the large share of USDC in its collateral (2023-03, low of 0.88 USD))
- Note: DAI is being converted 1:1 into USDS (launched 09/2024), now Sky's main stablecoin; some exchanges have dropped DAI support on some networks. USDS has upgradeable contracts, so governance could add a freeze function; DAI is immutable.
- Note: Indirect dependence on USDC (about 35% via the PSM) and smart contract / governance risk.
- Note: S&P Global Stablecoin Stability Assessment (2025-12): 4 on a 1–5 scale (constrained). For reference only, not part of the risk tier.