Best gold rate today: 0.35% on Lista Lending (BSC, XAUT). Cheapest dollar loan against it: 2.02% on Morpho Blue (Monad, XAUT0).
Paste a wallet address above to see what your own positions earn. Rates read at 13:44 UTC today.
| Asset | Venue | Chain | APY, lowest of today, 7 and 30 days | APY today | Borrow up to | Size | History |
|---|---|---|---|---|---|---|---|
| XAUT | Lista Lending | BSC | 0.35% | 0.35% | — | $3.6M | 196 days |
| XAUT | Aave V3 | Ethereum | 0% | 0% | — | $58.1M | 1.2 years |
| XAUT | TermMaxXAUE XAUt Vault | Ethereum | 0% | 0% | — | $23.5M | 174 days |
| XAUT | Aave V4Core | Ethereum | 0% | 0% | — | $7.5M | 208 days |
| XAUT | Morpho Blue | Ethereum | 0% | 0% | — | $6.5M | 1.4 years |
| PAXG | Aave V4Global Dollar | Ethereum | 0% | 0% | — | $5.6M | 46 days |
| XAUT | FrankencoinPositionV2 | Ethereum | 0% | 0% | — | $962K | 287 days |
| PAXG | FrankencoinPositionV2 | Ethereum | 0% | 0% | — | $604K | 292 days |
| XAUT | Compound V3USDT-pool | Ethereum | 0% | 0% | 70% | $316K | 245 days |
| PAXG | Morpho Blue | Ethereum | 0% | 0% | — | $284K | 2.0 years |
| Asset | Venue | Chain | APY, lowest of today, 7 and 30 days | APY today | Borrow up to | Size | History |
|---|---|---|---|---|---|---|---|
| XAUT0 | NeverlandNeverland Markets | Monad | 8.41%0.23% interest + 8.18% rewards | 8.41% | 40% | $70K | 73 days |
| GLD | LayerBank | Robinhood Chain | 0% | 0% | 60% | $34K | 8 days |
| XAUT | FrankencoinPositionV2 | Ethereum | 0% | 0% | — | $31K | 6 days |
| PAXG | FrankencoinPositionV2 | Ethereum | 0% | 0% | — | $16K | 28 days |
| Asset | Venue | Chain | APY, lowest of today, 7 and 30 days | APY today | Size | History |
|---|---|---|---|---|---|---|
| XAUT | YO ProtocolyoGOLD | Ethereum | 0% | 0% | $2M | 322 days |
Returns come from the manager’s strategy — leverage, carry — with its risks. No staking added.
| Collateral | Loan | Venue | Chain | Borrow rate | Max loan | Collateral earns | Available |
|---|---|---|---|---|---|---|---|
| XAUT0 | USDC | Morpho Blue | Monad | 2.02% | 77% | 0% | $37K |
| XAUT0 | USDC | Morpho Blue | Arbitrum | 3% | 77% | 0% | $15K |
| XAUM | UUnited Stables · crypto-backed | Venus Core Pool | BSC | 3.7% | 65% | 0% | $13.7M |
| PAXG | PYUSDPayPal USD · fiat-backed | Morpho Blue | Ethereum | 6.47% | 77% | 0% | $20K |
| XAUT | USDT | Morpho Blue | Ethereum | 8.06% | 77% | 0% | $196K |
| Collateral | Loan | Venue | Chain | Borrow rate | Max loan | Collateral earns | Available |
|---|---|---|---|---|---|---|---|
| XAUT0 | USD₮0 | Morpho Blue | Arbitrum | 3.03% | 77% | 0% | $2K |
| XAUT0 | USDC | NeverlandNeverland Markets | Monad | 5.56% | 40% | 8.41% | $687K |
| GLD | USDGGlobal Dollar · fiat-backed | LayerBank | Robinhood Chain | 6.6% | 60% | 0% | $1.1M |
| Pair | Venue | Chain | APY, lowest of today, 7 and 30 days | APY today | Size | Within ±5% of price | History |
|---|---|---|---|---|---|---|---|
| GLDx-USDC | Orca DEX | Solana | 35.98% | 35.98% | $124K | 28%±1%: 6% | 33 days |
| XAUT0-USDT | Uniswap V30.3% | Arbitrum | 18.13% | 18.13% | $40K | 48%±1%: 16% | 135 days |
| PAXG-USDC | Raydium AMMConcentrated - 0.1% | Solana | 4.64% | 4.87% | $83K | 39%±1%: 9% | 122 days |
| GLDx-USDC | Raydium AMMConcentrated - 0.1% | Solana | 4.59% | 4.59% | $840K | 33%±1%: 7% | 253 days |
| PAXG-USDC | Uniswap V30.05% | Ethereum | 4.47% | 6.07% | $2.2M | 24%±1%: 5% | 1.6 years |
| XAUT-USDC | Uniswap V40.30% | Ethereum | 3.93% | 4.67% | $856K | 26%±1%: 15% | 296 days |
| GLDx-USDC | Orca DEX | Solana | 2.88% | 2.88% | $118K | 28%±1%: 6% | 328 days |
| XAUT-USDT | Uniswap V30.3% | Ethereum | 2.71% | 7.5% | $644K | 27%±1%: 7% | 1.7 years |
| USD₮0-XAUT0 | Project X0.05% | Hyperliquid L1 | 2.41% | 2.41% | $20K | — | 277 days |
| USD₮0-XAUT0 | HyperSwap V30.3% | Hyperliquid L1 | 2.33% | 4.78% | $18K | — | 267 days |
| Pair | Venue | Chain | APY, lowest of today, 7 and 30 days | APY today | Size | Within ±5% of price | History |
|---|---|---|---|---|---|---|---|
| XAUT-USDC | Raydium AMMConcentrated - 0.01% | Solana | 33% | 65.59% | $21K | — | 2 days |
| PAXG-USDC | Raydium AMMConcentrated - 0.01% | Solana | 16.93% | 35.76% | $12K | — | 4 days |
| PAXG-USDT | Uniswap V30.05% | Ethereum | 4.14% | 4.14% | $194K | 18%±1%: 4% | 12 days |
| XAUT-USDC | Uniswap V40.29% | BSC | 1.41% | 1.41% | $66K | — | 19 days |
| USDC-PAXG | Aerodrome SlipstreamCL10 - 0.05% | Base | 0.52% | 0.52% | $879K | 22%±1%: 4% | 25 days |
| XAUT-USDT | Orca DEX | Solana | 0.09% | 0.64% | $10K | — | 2 days |
| XAUT-USDT | Orca DEX | Solana | 0.02% | 0.17% | $10K | — | 2 days |
| XAUT-USDT | Orca DEX | Solana | 0.02% | 0.11% | $10K | — | 1 days |
| USDT-XAUT | Orca DEX | Solana | 0.01% | 0.01% | $10K | — | 5 days |
| XAUT-USDT | Orca DEX | Solana | 0% | 0.01% | $10K | — | 2 days |
| XAUT-USDT | Orca DEX | Solana | 0% | 0.01% | $10K | — | 1 days |
| XAUT-USDT | Orca DEX | Solana | 0% | 0.01% | $10K | — | 1 days |
| XAUT-USDT | Orca DEX | Solana | 0% | 0% | $10K | — | 1 days |
| XAUT-USDT | Orca DEX | Solana | 0% | 0% | $10K | — | 1 days |
| USDT-XAUT | Orca DEX | Solana | 0% | 0% | $10K | — | 1 days |
| XAUT-USDT | Orca DEX | Solana | 0% | 0% | $10K | — | 1 days |
Sells gold as it rises, buys as it falls.
| Pair | Venue | Chain | APY, lowest of today, 7 and 30 days | APY today | Size | History |
|---|---|---|---|---|---|---|
| GLDx-XAUT0 | Raydium AMMConcentrated - 0.05% | Solana | 1.6% | 2.17% | $440K | 252 days |
| PAXG-XAUT | Fluid DEX | Ethereum | 0.46% | 0.46% | $2.2M | 1.3 years |
| XAUT-PAXG | Curve DEX | Ethereum | 0.16% | 0.16% | $291K | 1.6 years |
| PAXG-XAUT | Uniswap V30.05% | Ethereum | 0.03% | 0.48% | $3.1M | 1.7 years |
| PAXG-XAUT | Uniswap V30.01% | Ethereum | 0.02% | 1.41% | $5.4M | 297 days |
| PAXG-XAUT | Uniswap V30.3% | Ethereum | 0.01% | 0.36% | $301K | 1.6 years |
| Pair | Venue | Chain | APY, lowest of today, 7 and 30 days | APY today | Size | History |
|---|---|---|---|---|---|---|
| GLDx-PAXG | Orca DEX | Solana | 27.38% | 27.38% | $43K | 24 days |
Both legs move together: little loss to price moves.
| Pair | Venue | Chain | APY, lowest of today, 7 and 30 days | APY today | Size | Within ±5% of price | History |
|---|---|---|---|---|---|---|---|
| SOL-GLDx | Orca DEX | Solana | 81.85% | 81.85% | $164K | 52%±1%: 16% | 114 days |
| SOL-XAUT0 | Orca DEX | Solana | 17.2% | 17.2% | $14K | 15%±1%: 3% | 261 days |
| WBTC-PAXG | Uniswap V40.30% | Ethereum | 16.07% | 16.07% | $1.3M | 54%±1%: 15% | 127 days |
| ETH-XAUT | Uniswap V40.30% | Ethereum | 14.32% | 32.2% | $1.2M | 42%±1%: 10% | 222 days |
| PAXG-WETH | Uniswap V30.3% | Ethereum | 13.09% | 20.41% | $6.4M | 24%±1%: 4% | 336 days |
| XAUT-WETH | Uniswap V30.3% | Ethereum | 10.37% | 31.46% | $7.1M | 53%±1%: 10% | 1.0 years |
| WBTC-XAUT | Uniswap V40.30% | Ethereum | 8.84% | 8.84% | $719K | 25%±1%: 6% | 296 days |
| WBTC-XAUT | Uniswap V30.3% | Ethereum | 3.93% | 3.93% | $1.1M | 10%±1%: 2% | 1.4 years |
| PAXG-WETH | Uniswap V2 | Ethereum | 1.91% | 2.33% | $14.7M | 2%±1%: <1% | 4.5 years |
| WBTC-PAXG | Uniswap V30.3% | Polygon | 0.55% | 3.41% | $16K | 16%±1%: 4% | 2.5 years |
| Pair | Venue | Chain | APY, lowest of today, 7 and 30 days | APY today | Size | Within ±5% of price | History |
|---|---|---|---|---|---|---|---|
| MU-GLDx | Orca DEX | Solana | 66.28% | 115.57% | $99K | — | 11 days |
| ETH-PAXG | Uniswap V40.25% | Arbitrum | 0% | 0% | $99K | — | 6 days |
| WETH-XAUT | Uniswap V30.3% | Arbitrum | 0% | 0% | $24K | — | 3 days |
Two independent prices: the most loss to price moves.
APY is the lowest of today, 7 and 30 days. Rewards are paid in tokens and can stop. Not listed: basis trades, tokenized funds, prediction markets, fixed-term markets.
Borrow rate: interest only. Rewards back to borrowers are paid in tokens and can stop.
On Morpho, max loan is the liquidation limit.
APY: fees and rewards, lowest of today, 7 and 30 days. A narrower range earns more and exits sooner.
Within ±5%: the share of the pool’s money near today’s price. Full range: 2.5% (±1%: 0.5%). Higher means more competition near the price.
Less consistent: thin, under 30 days, barely used, 3× the usual rate, or mostly rewards. Never in the headline.
Venues’ own rates, updated daily. Not a forecast or advice.
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Every transfer is valued at its historical price to separate real deposits and withdrawals from DeFi churn. Pick a period — YTD, a past year or month, or custom dates — and see starting value, ending value, total and annual return for exactly that window (annualised once the money has a year behind it).