Stablecoins represent one of the most interesting value propositions in the crypto ecosystem for moderate-risk investors: they allow you to earn returns significantly above bank deposits without exposure to Bitcoin or Ethereum price volatility.
Best stablecoin APYs in March 2026
According to APYData live data: Euler v2 PYUSD Lending 6.7%, Binance USDC Flexible 5.0%, Aave sGHO 4.85%, Maple USDC 4.42%, Fluid USDT 4.19%, Spark USDS 4.1%, Sky sUSDS 3.75%.
Stablecoins vs bank deposit
A European bank deposit currently offers up to 3.5% APY with deposit guarantee (DGS up to €100,000). Stablecoins on DeFi or CeFi offer between 3.75% and 6.7%, but with no deposit guarantee scheme. The additional premium is compensation for the extra risk.
APYData is the only Spanish-language comparator showing both bank deposits and stablecoin yields in the same real-time table.