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Lending APR on Monad

Every money market on Monad, ranked live by net APR.

Lending markets pay you interest on assets you supply (USDC, AUSD, WMON, WBTC, WETH, MON LSTs). The rate is set by demand from borrowers and adjusts in real time. Some markets layer a Merkl / protocol-revenue boost on top of the lending interest.

This page tracks every supply-side market across the major Monad money-market protocols: Aave (the largest DeFi money market, live on Monad), Morpho Blue (curated vaults), Curvance (multi-collateral markets), Neverland (Monad-native lending), Euler V2 (modular vaults), Folks Finance (xchain), and Monad-native vaults like Sherpa Earn and MU Digital. Net APR shown combines the base lending yield with reward / boost programs.

Risk score (out of 10) factors in protocol audits, asset tier, yield sustainability, and pool depth, so a 12% sustainable USDC lending market ranks above a 60% emissions-driven one with thin TVL. Click any row to deposit on the protocol's own site.

USD₮0
Folks FinanceLending
48.73%
$145.59K
EDGE UltraYield USDC
GearboxLending
13.59%
$509.62K
USDCHyperithm USDC ApexNew
MorphoLending
11.90%
$44.82M
AUSDEVK Vault eAUSD-11New
EulerLending
11.88%
$23.21K
USDCWMON / USDCNew
CurvanceLending
11.13%
$38.32K
USDCEVK Vault eUSDC-12New
EulerLending
10.60%
$54.37K
AUSDSteakhouse High Yield AUSDNew
MorphoLending
10.55%
$13.06K
AUSDSteakhouse High Yield AUSDNew
MorphoLending
10.53%
$196.57K
WMONshMON / WMONNew
CurvanceLending
10.50%
$25.77K
WMONsMON / WMONNew
CurvanceLending
10.34%
$16.98K
USDCClearstar Earn USDCNew
EulerLending
9.65%
$1.64M
USDCSaturn USDCNew
MorphoLending
8.82%
$5.42M
earnAUSD on NeverlandMerkl campaign
NeverlandLending
8.03%
$685.58K
WMONK3 Capital Earn WMONNew
EulerLending
7.48%
$32.52K
AUSDsyzUSD / AUSDNew
CurvanceLending
7.04%
$111.67K
USDCsavUSD / USDCNew
CurvanceLending
6.48%
$512.77K
AUSDsavUSD / AUSDNew
CurvanceLending
6.48%
$1.32M
USDCAugust USDC V2New
MorphoLending
6.17%
$5.24M
AUSDearnAUSD / AUSDNew
CurvanceLending
5.95%
$208.84K
AUSDClearstar Accountable AUSDNew
MorphoLending
5.76%
$1.72M
AUSDEVK Vault eAUSD-16New
EulerLending
5.75%
$1.02M
AUSDYZM / AUSDNew
CurvanceLending
5.49%
$52.27K
AUSDvUSD / AUSDNew
CurvanceLending
5.40%
$766.24K
AUSDEVK Vault eAUSD-20New
EulerLending
5.30%
$1.91M
AUSDK3 Capital Earn AUSDNew
EulerLending
5.22%
$38.84M
AUSDGrove x Steakhouse High Yield AUSDNew
MorphoLending
5.20%
$399.27K
USDCSteakhouse High Yield USDCNew
MorphoLending
5.06%
$222.47K
AUSDClearstar Earn AUSDNew
EulerLending
5.03%
$50.47K
AUSD on NeverlandMerkl campaign
NeverlandLending
5.00%
$1.25M
USDCSteakhouse High Yield USDCNew
MorphoLending
4.85%
$11.90K
AUSDWMON / AUSDNew
CurvanceLending
4.59%
$27.36K
USDCEVK Vault eUSDC-15New
EulerLending
4.55%
$291.26K
USDCUnified Labs USDC RWANew
MorphoLending
3.80%
$100.48K
MON
TownSQLending
3.49%
$48.65K
USDC
TownSQLending
3.12%
$9.65K
WETHSteakhouse Prime ETHNew
MorphoLending
3.09%
$35.98M
WMON
TownSQLending
3.05%
$3.95K
USDCNew
AaveLending
3.04%
$12.84M
MON
Folks FinanceLending
3.00%
$7.94K
cbBTCHyperithm cbBTC ApexNew
MorphoLending
2.91%
$5.47M
USD1
TownSQLending
2.68%
$99.49K
USDT0New
AaveLending
2.67%
$22.04M
AUSDNew
AaveLending
2.07%
$1.50M
AUSD on NeverlandMerkl campaign
NeverlandLending
2.00%
$1.91M
USDC on NeverlandMerkl campaign
NeverlandLending
2.00%
$4.88M
USDT0 on NeverlandMerkl campaign
NeverlandLending
2.00%
$4.45M
USDC
K613Lending
1.73%
$6.90K
USDT0Steakhouse High Yield USDT0New
MorphoLending
1.68%
$2.54K
USDT0
TownSQLending
1.59%
$17.16K
EDGE UltraYield AUSD
GearboxLending
1.59%
$60.33K
WETHEVK Vault eWETH-3New
EulerLending
1.58%
$5.15M
USDT0Steakhouse High Yield USDT0New
MorphoLending
1.52%
$61.06K
WETHEVK Vault eWETH-7New
EulerLending
1.51%
$1.94M
WETHK3 Capital Earn WETHNew
EulerLending
1.47%
$47.60M
GHONew
AaveLending
1.40%
$4.68M
Magma MON
GearboxLending
1.22%
$7.61K
WETHNew
AaveLending
1.16%
$5.03M
USDT0
K613Lending
1.03%
$5.99K
PT-AUSD-8OCT2026 on NeverlandMerkl campaign
NeverlandLending
0.98%
$2.12M
mUSDNew
AaveLending
0.90%
$2.51M
WMONWMON / USDCNew
CurvanceLending
0.85%
$329.18K
WETHEVK Vault eWETH-2New
EulerLending
0.66%
$420.29K
AUSD
K613Lending
0.62%
$16.04K
WMONWMON / AUSDNew
CurvanceLending
0.42%
$231.56K
USD1Steakhouse High Yield USD1New
MorphoLending
0.31%
$4.53K
USDeNew
AaveLending
0.20%
$12.03M
WETHezETH / WETHNew
CurvanceLending
0.06%
$141.23K
WBTCWBTC / USDCNew
CurvanceLending
0.06%
$26.13K
cbBTCEVK Vault ecbBTC-4New
EulerLending
0.01%
$1.23M
ENZOBTC
TownSQLending
0.00%
$60.51M
eBTCeBTC / WBTCNew
CurvanceLending
0.00%
$34.61M
WBTC
Folks FinanceLending
0.00%
$10.68K
YZMYZM / AUSDNew
CurvanceLending
0.00%
$841.26K
loAZNDloAZND / AUSDNew
CurvanceLending
0.00%
$13.59K
muBONDmuBOND / AUSDNew
CurvanceLending
0.00%
$24.44K
savUSDsavUSD / AUSDNew
CurvanceLending
0.00%
$17.21M
savUSDsavUSD / USDCNew
CurvanceLending
0.00%
$6.09M
vUSDvUSD / AUSDNew
CurvanceLending
0.00%
$36.10M
syzUSDsyzUSD / AUSDNew
CurvanceLending
0.00%
$1.30M
earnAUSDearnAUSD / AUSDNew
CurvanceLending
0.00%
$3.01M
ezETHezETH / WETHNew
CurvanceLending
0.00%
$21.50K
cbBTCNew
AaveLending
0.00%
$1.29M
sUSDeNew
AaveLending
0.00%
$633.27K
syrupUSDCNew
AaveLending
0.00%
$194.80M
weETHNew
AaveLending
0.00%
$5.17M
wstETHNew
AaveLending
0.00%
$10.52M
weETHEVK Vault eweETH-2New
EulerLending
0.00%
$12.41M
vUSDEVK Vault evUSD-2New
EulerLending
0.00%
$68.33M
PT-AUSD-8OCT2026EVK Vault ePT-AUSD-8OCT2026-1New
EulerLending
0.00%
$255.25K
aHyperBTCEVK Vault eaHyperBTC-1New
EulerLending
0.00%
$64.25K
Kintsu MON
GearboxLending
0.00%
$212
yzPrimeEVK Vault eyzPrime-1New
EulerLending
0.00%
$4.10M
FXRPEVK Vault eFXRP-1New
EulerLending
0.00%
$4.00M
wstETHEVK Vault ewstETH-1New
EulerLending
0.00%
$451.59K
PT-AUSD-8OCT2026EVK Vault ePT-AUSD-8OCT2026-2New
EulerLending
0.00%
$41.88M
wstETHEVK Vault ewstETH-2New
EulerLending
0.00%
$37.50M

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