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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 10% on Stables and >5%on ETH:
Pendle (Monad – Fixed yield) – PT USDat, 14 Jan 2027 – 9.11% Fixed APY
Lock ~9.1% in USDat (Saturn’s stablecoin) by buying the discounted PT and redeeming at par at maturity. USDat itself pays no reserve yield — the discount exists because yield-token buyers pay up for Saturn points, which you collect as fixed return regardless of whether those points are ever worth anything.
Backing chain: USDat → PYUSDx (MoonPay, M0 infrastructure) → PYUSD (Paxos) → cash/Treasuries — TID could verify token units 1:1 but not the dollars underneath. All $54.8M of Monad supply is bridged from Ethereum. Pool liquidity $1.68M, TID risk score 4.5/10, matures 14 Jan 2027 (92 days).
Risk — Medium: No token-specific reserve attestation anywhere in the chain. Minting/USDC redemption is gated by Saturn onboarding, so your realistic exit is market price, not par. USDat is an upgradeable proxy with whitelist/freeze/forced-transfer functions and no visible on-chain signing quorum. Legal docs still reference older reserve structure; issuer uses BVI law with confidential arbitration. $1.68M pool is fine for normal size but moves on large orders.
Morpho (Arbitrum – Lending vault) – Steakhouse USDG Pro – 7.99% Net APY
3.23% lending yield + 4.75% ARB rewards = 7.99% headline, but the 7-day realized APY is already down to 2.45% — about 60% of the stated rate is incentive-dependent. 100% of this vault lends against syrupUSDG, Maple’s receipt token for institutional USDG loans (~$353M across Ethereum and Robinhood Chain) — a reasonably established model, though syrupUSDG itself only launched July 1, 2026. Withdrawable now: $1.72M of $6.88M. Utilization: 91.55%.
This is a single-asset vault by design — every USDG you deposit lends against syrupUSDG and nothing else, which is why the credit risk reads as comparatively clean (one well-understood collateral type rather than a mixed basket).
Risk — Low - Medium: If the ARB campaign ends, expect something close to the 2.45% realized figure, not 7.99%. Single-market concentration — the whole vault depends on syrupUSDG holding value and its oracle behaving; a loss in Maple’s underlying loans flows straight through. At 91.55% utilization only about a quarter of deposits can exit at once. Steakhouse hasn’t published a risk disclosure for this specific vault, and new markets/caps can go live after just a 3-day timelock (Morpho recommends 7).
Morpho (OP Mainnet – Lending vault) – Re7 WETH – 5.81% Net APY
Only 0.94% of the 5.81% headline is actual lending yield — the other 4.87% is OP token rewards, about 84% of the total. Realized returns (7/30/90-day) sit around 1–1.3%, confirming the headline is mostly a temporary subsidy.
You lend WETH to borrowers who post wstETH as collateral at a 94.5% LLTV, typically for leveraged staking. Withdrawable now: $436K of $2.78M.
Risk — Medium: Treat the 4.87% OP component as a bonus, not yield — the campaign can end or OP can simply fall in price. A single wstETH market means a depeg or oracle failure hits every depositor, and the 94.5% LLTV leaves little buffer before bad debt forms. Only ~16% of deposits are withdrawable right now, and the top depositor holds 17.9% of the vault — a large exit could lock others out for a while. Re7 Labs runs this from a 2-of-4 Safe with the same 3-day (not 7-day) timelock issue as the vault above.
This Week’s Farming News:
Boros launches funding rate arbs for $BTC, ETH, and HYPE maturities for November and December, offering fixed yields between 25-35% APR until Christmas.
Aave is proposing to onboard USAT (Tether America USD), a federally backed stablecoin, to both Aave V3 Core Instance and V4 Core Hub on Ethereum
Perena and Liquidity Land launch a garden feature offering a fixed 10% APY on USD* for three months.
Aave proposes to onboard native BTC as collateral on Aave V4 through Trustless Bitcoin Vaults.
Frax USDai Ecosystem Vault offers frxUSD lenders up to 14% APY on Morpho.
OnRe’s USDC Lend Vault offers 7% APY.
Pendle introduces tokenized NVIDIA with up to 50% Long Yield APY and a 25.6% APY for liquidity providers.
Today’s News Headlines:
PancakeSwap proposes “The Flip,” LP fee share to 88%
Babylon proposes native Bitcoin collateral on Aave V4
Strategy pushes daily dividend vote for STRC, STRF, STRK, STRD
USD.AI ends Season 2, allocates 225M CHIP
Starknet launches Shadow Accounts for private DeFi access