DeFi protocol (you keep your wallet, funds sit in a smart contract)
Spark SavingsA5/5· Lower risk
Facts last reviewed 24 Sept 2026
sUSDS/sDAI savings deposits via Spark, earning the Sky Savings Rate set by Sky governance. No incidents recorded.
Compare a move (switching cost) →History: published and paid rates, incidents, legal status →
Why this tier
- Meets: Operating since 2023-05 (3 years)
- Meets: Audited by 2 firms: ChainSecurity, Cantina
- Meets: Bug bounty programme (Immunefi, up to $5M)
- Meets: Large TVL: $1.5B
- Meets: No recorded incident causing user losses in the core product
- Note: Risk of the asset itself: Principal risk is the solvency and depeg of USDS/DAI; Spark Vaults V2 adds risk from allocating idle liquidity.
Tier history
- 29 Sept 2026A· Lower riskLower risk
Products
| Coin | You earn | Highest rate | Tier | Product | Term | Conditions |
|---|---|---|---|---|---|---|
| USDT | 3.68% | Highest rate3.68% | B2/5· Medium risk | Spark Savings · Ethereum | FlexibleWithdraw any time | |
| USDC | 3.73% | Highest rate3.73% | A5/5· Lower risk | Spark Savings · Ethereum | FlexibleWithdraw any time | |
| DAI | 3.73% | Highest rate3.73% | B3/5· Medium risk | Spark Savings · Arbitrum | FlexibleWithdraw any time | |
| ETH | 1.49% | Highest rate1.49% | A5/5· Lower risk | Spark Savings · Ethereum | FlexibleWithdraw any time |
USDT
USDC
DAI
ETHTier: A lowest risk, D active incident. The number after the letter is the criteria met.