Best Aave Yields

The cohort, in numbers

Right now we track 8 Aave strategies, holding $2K in deposits. 24-hour APYs run from 0.91% to 3.11%. Median 2.58%, mean 2.26%. Numbers are scoped to our index, not the wider Aave market.

Assets you can earn on via Aave

USDC (6 vaults, top APY 3.11%), USDT (1 vault, top APY 2.81%), and ETH (1 vault, top APY 0.91%). Open any vault to see the exact deposit token and reward stream. The asset hub pages cut this same data by token across every venue.

Networks Aave runs on

Across the index, Aave strategies span Ethereum (2), Polygon (2), Arbitrum (2), Base (1), and zkSync (1). The same venue can carry a different rate on each chain, because each chain's market sets its own supply and demand. The network hub pages rank every venue on a single chain side by side.

How the Aave strategy works

Aave runs a single shared, overcollateralised pool per asset: suppliers deposit into one big market, borrowers post collateral and draw against it, and the supply APY floats with utilisation, so the fuller the pool, the higher the rate. A Harvest Aave vault deposits the underlying into that market, holds the interest-bearing aToken, and periodically compounds the accrued interest (plus any incentive rewards) back into the position. Because every supplier shares the same pool, the rate you see is the market-wide rate, not a per-position quote.

What makes Aave different

What sets Aave apart in this index is maturity and depth: a shared pool with deep liquidity means rates move smoothly and exits are rarely gated, but it also means yield is a pure function of borrow demand for that one asset, with no isolated, curated sub-markets to pick between. That makes Aave the conservative, liquid end of the lending spectrum compared with curated-market venues like Morpho.

Reading the APY columns

24-hour APY: today's annualised rate. 30-day APY: trailing mean across the last month. The sparkline draws the same series at small scale, so a flat line reads as stable and spikes mean volatile. Past APY does not promise future APY.

Risk surfaces on every Aave strategy

Smart-contract risk on the Harvest vault and on Aave underneath. Oracle risk on the price feeds those contracts trust. Bridge or depeg risk on the deposit token. Governance risk on every parameter operators can change. The same venue can carry different risks on different chains. Tiers and what we leave out, on the risk framework page.

What this page is, and what it is not

A curated index of the Aave strategies Harvest integrates. Not a survey of every market on Aave. We add strategies as we vet and integrate them; we drop them when products retire or fall outside our framework. Inclusion criteria and ranking logic are on the methodology page.

Frequently asked questions

What is the best Aave yield right now?

Across the 8 Aave strategies we currently index, 3.11% is the highest 24-hour APY. The ranking above is sorted by APY by default and reflects the most recent hourly build.

How does Harvest's Aave strategy work?

Each vault deposits into Aave and continuously reinvests the interest and any rewards back into the position (autocompounding), so you do not have to claim or restake manually. The headline APY already reflects that compounding.

Which assets and networks can I earn Aave yield on?

Our Aave cohort accepts USDC, USDT, ETH across Ethereum, Polygon, Arbitrum, Base, zkSync. Each product page lists the underlying asset, network and any reward tokens.

Is Aave yield safe?

No yield is risk-free. Aave strategies carry smart-contract, oracle, deposit-token and governance risk, which can differ by chain. See the Harvest risk framework for how we weigh each surface.