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Farming Benchmarks:
Every farm below beats that baseline. When a rate looks too good relative to this range, that gap is usually the incentive/emissions component, not organic yield — check the breakdown in each card.
Earn up to 11% on Stables and >5%on ETH:
Neverland – USDT0 Lending ~12% APR
What’s backing this: You’re lending USDT0, not native USDT — Tether’s omnichain token, issued by Everdawn Labs (licensed, not Tether itself) via LayerZero’s OFT standard. Backed 1:1 by USDT locked on Ethereum; USDT0 mints on Monad against that collateral. Risk stacks: Tether’s reserves + Everdawn’s operations + LayerZero’s messaging layer.
DUST rewards carry a claim penalty — instant claims burn 50%, dropping toward 0% only with a max veDUST lock. Treat the reward APY at roughly half value unless you’re locking.
The rate has swung 5–20%+ over the past year; current ~12% looks stable per DefiLlama’s 30d rating, but it moves.
Risk — Medium ⚠️
USDT0 adds two layers on top of standard Tether reserve risk: Everdawn Labs’ operational/custodial layer, and LayerZero’s OFT messaging/DVN verification layer — a smart contract or bridge issue at either point could affect USDT0 specifically even if native USDT is fine.
Neverland is built on Aave V3’s lending engine (Monad configuration), so the collateral pool spans blue-chip majors (WMON, WBTC, WETH, USDC, USDT0) plus Monad-native LSTs (gMON, sMON, shMON) and select ecosystem assets like syzUSD — a newer, yield-bearing wrapped version of Yuzu Money’s yzUSD.
As a USDT0 lender, your exposure isn’t to any single collateral type, but to the health of whichever assets borrowers post — if a thinner LST or newer ecosystem token depegs or gets liquidated in a fast market move, bad debt can affect the broader lending pool.
Pendle – PT reUSD (USDC) – 11.2% Implied APY
What’s backing this: reUSD is Re Protocol’s senior-tranche, yield-accruing token backed by real reinsurance capital via legally structured surplus notes — not a crypto-native mechanism. Yield accrues daily as the greater of (SOFR + 250 bps) and (Ethena basis + 250 bps), reflected in a rising price.
reUSD is last to absorb losses — Re’s own equity (~$77M) and the reUSDe mezzanine layer absorb first. Re’s modeling puts the impairment probability at ~0.03% in a severe stress case, with combined ratios below 100% every year since inception.
Backing splits ~68% offchain (funding the reinsurer directly) / ~32% onchain (redemption buffer + reserves).
This PT locks in 11.2% to Dec 10 maturity (91 days), above reUSD’s own 6.88% — reflecting market demand for the fixed product, not a change in reUSD’s yield.
Risk - Low-Medium ⚠️
reUSD’s structural protection (junior + mezzanine layers absorbing losses first, ~0.03% modeled impairment probability) is genuinely one of the stronger backing stories we’ve featured — real regulated reinsurance collateral rather than a purely algorithmic or crypto-collateralized mechanism.
reUSD’s backing splits between onchain and offchain capital, and the split matters for your risk exposure: as of Re’s most recent public update, offchain capital (funding the reinsurer directly) made up roughly 68% of the total capital base, with onchain capital serving primarily as a redemption buffer plus reserves.
Base-token instant redemption depends on the onchain buffer staying above 1% of supply (throttles to quarterly windows otherwise), though PT trading on Pendle isn't directly subject to this.
PT price can move before maturity — only matters if you sell early.
Pendle smart contract risk applies.
IPOR – Liquity ETH Carry Vault – 5.95% Spot APY
The vault currently optimizes wstETH rates by collateralizing it in a Liquity Trove, borrowing BOLD at the branch-specific fixed rate, and deploying the BOLD into a Curve BOLD/USDC LP — all programmatic, with conservative LTV constraints and continuous monitoring of borrow spreads, peg stability, and unwind capacity.
Leverage expands only when net carry is positive and contracts automatically if spreads invert or liquidation buffers deteriorate.
Deposit caps are expected to rise soon
<Farm the Liquity ETH Carry on Ipor> | Today in DeFi is supported by Liquity
Risk — Medium-Low
(1) your WETH is converted to wstETH or rETH and deposited as collateral on Liquity V2 to mint/borrow BOLD — standard CDP liquidation risk applies here if wstETH’s value drops relative to the debt;
(2) the borrowed BOLD is then supplied into the BOLD/USDC Curve pool to farm BOLD from PIL emissions and CRV rewards — this adds impermanent loss exposure and CRV emissions risk on top of the borrowing position;
(3) LTV targets a relatively conservative 55%. BOLD itself carries peg risk as its a CDP stablecoin without strong arbitrage mechanisms.
Balancer – WETH/rETH LP –5% APR
WETH paired with rETH — Rocket Pool’s liquid staking token, backed by a proportional claim on staked ETH across Rocket Pool’s validators, with node-operator ETH + RPL bonds absorbing slashing penalties before rETH holders would be. The WETH side is wrapped into waArbWETH, generating passive yield from Aave lending on Arbitrum.
Breakdown: 0.25% swap fees + 1.47% yield-bearing (rETH 1.12% + waArbWETH 0.35%) + 3.90% Merkl incentives, totaling 5.62%. TVL is $341,269, with genuine organic swap volume ($7,793.38 in 24h, and a healthy $339,592 over 30 days) — this pool sees real trading activity relative to its size.
Risk — Lower
Both assets are ETH-correlated, so impermanent loss is minimal. Rocket Pool’s dual-layer slashing protection is a genuine structural strength.
3.90% of the 5.62% APR is Merkl incentives — given the double-counting bug we flagged on other Balancer pools before, worth verifying this specific figure live rather than assuming it’s fully accurate.
Arbitrum network risk applies in addition to standard Balancer and Rocket Pool smart contract risk. Reasonably strong organic volume relative to TVL is a good sign versus pools running on incentives alone.
This Week’s Farming News:
Sky Money introduces three months of Fixed Yield with 4.9% APY on $81M deployed. Users can supply USDS, USDC, or sUSDS to lock in their rates until the maturity date of November 26, 2026.
Pendle launches tokenized stock dividends with $NVDA and $PFE on Robinhood Chain. This feature allows users to buy stocks at a discount or gain leveraged exposure to dividends.
Lido Finance launches a public ETH staking vault with Stakely, allowing users to stake ETH with Lido’s EarnETH strategy.
YT-USDat holders can now earn a $21k bonus per week in stables, with the potential to scale as TVL increases. Currently, YT-USDat nets 3.77% APY and 30x Saturn points, enhancing user incentives.
Exponent Finance, in collaboration with OnRefinance, introduces limited-time incentives for ONyc and srONyc markets.
Today’s News Headlines:
Trezor/BitBox users hit by fake vulnerability phishing emails
Aviya signs Anchorage as exclusive qualified custodian
MetaMask splits from ConsenSys, becomes independent
Pendle lists XGLD, first commodity-backed yield asset
YieldBasis proposes LTMigrator upgrade, passes unanimously
Exponent Finance launches incentives for ONyc, srONyc markets
Pump.fun lets creators launch coins priced in stocks
Renzo rebrands, launches basis trade product on Hyperliquid