Anamaria Poinson queq

If you're looking to earn reasonable yield on your idle stablecoins (USDC/USDT/USDT0...), I built this ranking for you. 50 defi protocols ranked by risk, security and yield apy.
S Tier
.@aave — major lending money market and blue chip defi with deep liquidity (tvl) and conservative risk params; yield compresses hardest in downturns.
Category: Lending | Chains: Ethereum + major L2s | Stable APY: ~2–3%
Risk: low but main downside is rate compression.
.@compoundfinance v 3 — old-school lending with fewer moving parts.
Category: Lending | Chains: Ethereum + select L2s | Stable APY: 2–3%
Risk: conservative
.@Uniswap — major fee engine DEX for stable pools.
Category: DEX LP | Chains: Ethereum + L2s | Stable APY: 1–60%
Risk: fee volatility, incentive ending, pool selection.
.@CurveFinance — stablecoin plumbing for DeFi.
Category: Stable AMM | Chains: Ethereum + L2s | Stable APY: 2–7%
Risk: low
.@Morpho — marketplace for curated vault risk + lending vaults.
Category: Lending | Chains: Ethereum + Base | Stable APY: 3–7% (vault-dependent)
Risk: low
.@sparkdotfi — lending + liquidity hub.
Category: Lending | Chains: Ethereum + Base | Stable APY: 2–5%
Risk: conservative
A Tier
.@maplefinance — onchain credit with strategies often steadier than most incentive farms.
Category: Credit | Chain: Ethereum | Stable APY: 4–5%
Risk: credit cycle/borrower risk.
.@AerodromeFi — Base’s incentives machine.
Category: DEX LP | Chain: Base | Stable APY: ~7%
Risk: emissions are heavy
.@yearnfi — delegated strategy yield aggregator + vaults.
Chains: Ethereum + L2s | Stable APY: 1–5%
Risk: strategy risk
.@pendle_fi — turns yield into a tradable product.
Category: Yield derivatives | Chains: multi-chain | Stable APY: 6–9%
Risk: yield structure complexity.
.@Balancer — AMM built for stable + composable liquidity.
Category: DEX LP | Chains: Ethereum + select L2s | Stable APY: ~3%
Risk: pool complexity, boosted mechanics.
.@ConvexFinance — yield optimizer.
Category: Yield | Chains: Ethereum | Stable APY: 4–7%
Risk: dependency on Curve incentives.
.@KaminoFinance — Solana’s lend + vault hub.
Category: Lending/vaults | Chain: Solana | Stable APY: ~3%
Risk: chain concentration.
.@orca_so — Solana LP yields with incentives + volume.
Category: DEX LP | Chain: Solana | Stable APY: 1–80%
Risk: LP variance
.@AuraFinance — Convex-for-Balancer.
Category: Yield booster | Chains: Ethereum | Stable APY: ~8%
Risk: extra dependency stack.
B Tier
.@0xfluid — unified liquidity layer built by @Instadapp team; designed for capital efficiency.
Category: Lending + DEX | Chains: Ethereum, Arbitrum, Base (multi-chain) | Stable APY: 3–4%
Risk: model complexity
.@eulerfinance — permissionless markets with more variance.
Category: Lending | Chains: EVM | Stable APY: 1–7%
Risk: market factors + complexity.
.@FolksFinance — Strong in its home ecosystem; xChain adds extra plumbing.
Category: Lending | Chains: Algorand + xChain | Stable APY: 3–7%
Risk: crosschain mechanics + ecosystem concentration.
.@VenusProtocol — BNB Chain money market.
Category: Lending | Lead chain: BNB Chain | Stable APY: ~2%
Risk: chain concentration
.@GearboxProtocol — Leverage changes everything.
Category: Leveraged lending | Chains: EVM | Stable APY: 2–7%
Risk: liquidation/oracle/leverage risk.
.@SiloFinance — Isolated markets reduce contagion, but your market choice matters.
Category: Lending | Chains: EVM | Stable APY: 1–8%
Risk: market-specific
.@beefyfinance — Aggregator across chains; quality depends on the chain + strategy.
Category: Yield vaults | Chains: multi-chain | Stable APY: 3–9%
Risk: strategy + chain dependence.
.@MoonwellDeFi — Base lending option; smaller than the giants.
Category: Lending | Lead chain: Base | Stable APY: ~4%
Risk: couldn’t decipher
.@Dolomite_io — More features, more surfaces.
Category: Money market / margin | Lead chain: Arbitrum | Stable APY: 2–4%
Risk: complexity
.@merkl_xyz — Incentive router: good for boosts, not “set and forget.”
Category: Incentives | Chains: multi-chain | Stable APY: 0.4–2%
Risk: incentives can disappear overnight.
.@SushiSwap — Long-running DEX; yields depend on the pool.
Category: DEX LP | Chains: multi-chain | Stable APY: 1–9%
Risk: pool selection
.@CamelotDEX — Arbitrum-native DEX incentives.
Category: DEX LP | Lead chain: Arbitrum | Stable APY: 1–11%
Risk: emissions + liquidity migration.
.@AcrossProtocol — Bridge yield is still bridge risk.
Category: Bridge liquidity | Chains: multi-chain | Stable APY: 1–3%
Risk: bridge exposure.
.@symbiosis_fi — Crosschain routing yield.
Category: Crosschain | Chains: multi-chain | Stable APY: 4–9%
Risk: crosschain dependencies.
C Tier — High risk
.@katana — high-yield venue with limited depth.
Category: Yield/strategy | Stable APY: 30–40%
.@bluefinapp — trading venue where yield stability depends on incentives/volume.
Category: DEX/perps | Stable APY: 3–36%
.@avantisfi — trading/perps-driven yield surfaces.
Category: Perps/trading | Stable APY: ~11%
.@GMX_IO — perps liquidity/revenue share. The yield here is cycle-dependent.
Category: Perps | Chains: Arbitrum + other L2s | Stable APY: 1–5%
.@GainsNetwork_io — perps/trading yield protocol where yield depends on volume and market conditions.
Category: Perps | Stable APY: ~10%
.@yield — structured yield where return comes with counterpart risk.
Category: Structured/credit | Stable APY: ~12%
.@upshift — Category: Yield strategy | Stable APY: 9–13%
.@hyperion_xyz — Category: Yield/strategy | Stable APY: 19–24%
.@superformxyz — crosschain vault router with a dependency stack risk factor
.@ston_fi — TON DEX with high risk of ecosystem concentration
Honorary mentions
.@metromxyz
.@goldfinch_fi
.@WildcatFi
.@KiloEx_perp
.@TakaraLend
.@project0
.@autopools
.@StakeDAOHQ
.JustLend
Let me know what you think of this list.

Main Takeaways

Binance has renewed its partnership with Islamabad United as the Official Crypto Exchange Partner for PSL Season 11.
The partnership will continue fan-focused initiatives that advance blockchain education in Pakistan.
New Pakistani users can receive a PKR 1,000 welcome reward between February 4-15, 2026, subject to eligibility requirements.Binance has renewed its partnership with Islamabad United as the Official Crypto Exchange Partner for Pakistan Super League (PSL) Season 11. Building on a successful inaugural collaboration in PSL Season 10, Binance will retain its back-of-shirt jersey placement for the second consecutive year.
By engaging cricket fans across the country, Binance and Islamabad United will collaborate on fan-focused initiatives that promote blockchain education while continuing to support Pakistan's broader crypto community through responsible digital engagement.
Supporting Pakistan's Growing
Digital-asset Ecosystem
Pakistan remains a key market for Binance - home to a young, tech-savy population increasingly exploring digital assets. Following Binance's No-Objection Certificate from PVARA, this renewal reflects Binance's long-term commitment to fostering a safe, sustainable crypto ecosystem in the country."Cricket is deeply woven into Pakistan's culture, and Islamabad United gives us an incredible platform to engage with millions of passionate fans across the country," said Tarik Erk, Binance's Regional Head for MENAT and Senior Executive Officer, Abu Dhabi.
"Following our No-Objection Certificate from PVARA, renewing this partnership signals our long-term commitment to Pakistan's digital-asset ecosystem. We're excited to build on last year's success and continue making blockchain technology accessible to communities nationwide."
"Binance has been an excellent partner, and we're thrilled to have them back for PSL 11. This collaboration allows us to connect our passionate fanbase with new opportunities in the digital space. As champions on the field, we're equally committed to being at the forefront of innovation off it, and this partnership reflects that vision," said a spokesperson for Islamabad United.
Welcome Reward for New Pakistani Users"Binance has been an excellent partner, and we're thrilled to have them back for PSL 11. This collaboration allows us to connect our passionate fanbase with new opportunities in the digital space. As champions on the field, we're equally committed to being at the forefront of innovation off it, and this partnership reflects that vision," said a spokesperson for Islamabad United.
Welcome Reward for New
Pakistani Users
To celebrate the partnership renewal, Binance is offering new Pakistani users an exclusive welcome reward between February 4 and 15, 2026. New users who sign up through the Binance app using the referral code
"MakeYourMove" and complete verification will receive
PKR 1,000 to start exploring digital assets.
Final Thoughts
Islamabad United remains the most successful franchise in PSL history, having won three championship titles.
The team's commitment to innovation and excellence aligns with Binance's focus on making blockchain technology more accessible, while supporting responsible engagement across Pakistan's growing digital-asset ecosystem.#USRetailSalesMissForecast #USTechFundFlows #WhaleDeRiskETH #GoldSilverRally #BinanceBitcoinSAFUFund $BTC $ETH $XRP