# DeFi Yields, Predictively Underwritten | DeFi Garden

- Last Updated: 2026-11-05T09:08:20.322Z
- Canonical: https://www.defi.garden
- Data Sources: sitemap.xml, DefiLlama API
- Total URLs: 3298

## Overview & Yield Underwriting
TL;DR: DeFi Garden is a quantitative yield intelligence engine and goal-based savings planner. Every pool clears strict trust rails ($100K TVL floor, 1000% APY sanity cap). We evaluate yield quality across four pillars (yield stability, sustainability, capital stickiness, exit liquidity) and maintain an empirical, multi-run 14-day forward forecast track record publicly benchmarked against a naive "no-change" baseline.
- Methodology (how the DeFi Score and the 14-day forecast are built and measured): https://www.defi.garden/methodology
- Public forecast evaluation scorecard: https://www.defi.garden/forecast-accuracy
- Verified scored pools directory: https://www.defi.garden/pools
- Protocol pages (DeFi Score distribution, median APY and 14-day forecast per protocol): https://www.defi.garden/protocols

## Homepage
TL;DR: https://www.defi.garden/ is the predictive underwriting landing — a DeFi Score card, 14-day forecast, and live rates hero. /plan.html (and planner params) reach the goal-first Garden Planner; parameterized URLs (?token=, ?chain=, ?pool=) reach the yield analytics app.
- https://www.defi.garden/

## Garden Planner
TL;DR: A goal-first savings planner for people who think in monthly deposits and life goals, not APY or pools — lives at /plan.html, reached from the underwriting landing at the site root.
- Entry point (bare path, always the planner): https://www.defi.garden/plan.html
- Example filled plans, real presets carrying no invented numbers: https://www.defi.garden/?preset=tomoko and https://www.defi.garden/?preset=kevin
- GROWTH: long-horizon goals like retirement or a home — projects future value from steady monthly deposits.
- TARGET: a specific item to buy — projects time-to-item from monthly deposits and the live rate.
- SUBSCRIPTION: the "forever number" — the capital whose yield alone covers a recurring bill, indefinitely.
- Forever number formula: forever number = annual bill ÷ blended rate. No projected dollar figure is published here — a plan's own inputs determine the real number.
- Median APY across the 5633 pools clearing our published rails (TVL ≥ $100K, APY ≤ 1000%): 4.3% on the date above.
- A plan's own rate is computed over a different set: the planner picks a small, temperament-filtered selection of pools (the default pace is stablecoin lending/staking only) and blends those, so the rate a plan shows will differ from this market-wide median.

## Tokenized Stocks
TL;DR: A research-only terminal for yield pools that hold tokenized stocks and ETFs. Projected APY is base yield plus two thirds of reward emissions and never exceeds the current rate; each pool carries a DeFi Score (not a smart-contract audit) and a TVL liquidity tier. Education, not investment advice; tokenized stocks are generally not offered to US persons.
- Tokenized stocks yield terminal: https://www.defi.garden/stocks
- Verified token versions compared per ticker: AAPL https://www.defi.garden/stocks/aapl, AMZN https://www.defi.garden/stocks/amzn, COIN https://www.defi.garden/stocks/coin, CRCL https://www.defi.garden/stocks/crcl, GOOGL https://www.defi.garden/stocks/googl, HOOD https://www.defi.garden/stocks/hood, MCD https://www.defi.garden/stocks/mcd, META https://www.defi.garden/stocks/meta, MSFT https://www.defi.garden/stocks/msft, MSTR https://www.defi.garden/stocks/mstr, NVDA https://www.defi.garden/stocks/nvda, PLTR https://www.defi.garden/stocks/pltr, QQQ https://www.defi.garden/stocks/qqq, SPCX https://www.defi.garden/stocks/spcx, SPY https://www.defi.garden/stocks/spy, STRC https://www.defi.garden/stocks/strc, TSLA https://www.defi.garden/stocks/tsla

## Predictive Underwriting & DeFi Score
TL;DR: A yield-quality score (DeFi Score 0-100: yield stability, sustainability, capital stickiness, exit liquidity) and an experimental 14-day forward yield forecast for 7,400+ liquidity venues across 30+ chains, updated daily. The score is not a smart-contract or exploit safety audit.
- Methodology: four pillars — yield stability, sustainability, capital stickiness and exit liquidity, each shown as a High / Medium / Low tier. Bands AAA / AA / A / BBB / HIGH RISK are DeFi Garden's own model output, not a credit rating from a registered credit rating agency. Details: https://www.defi.garden/methodology
- Experimental 14-day forecast bands: a 14-day yield range (low / central / high); not yet shown to be more accurate than assuming today's rate holds.
- Verified rails: pools below $100K TVL or with total APY > 1000% are strictly disqualified.

## API & MCP
- MCP endpoint (Streamable HTTP): https://www.defi.garden/mcp
- MCP tool: find_pools
- MCP tool: get_pool
- MCP tool: get_pool_score
- MCP tool: forever_number
- MCP tool: explain_rails
- Trust rails: minimum TVL $100K; maximum total APY 1000%.

## Top Chains by TVL
TL;DR: Highest liquidity blockchain networks for DeFi yields.
- Ethereum ($101.5B TVL) — https://www.defi.garden/?chain=Ethereum
- Solana ($11.4B TVL) — https://www.defi.garden/?chain=Solana
- Base ($9.6B TVL) — https://www.defi.garden/?chain=Base
- BSC ($6.2B TVL) — https://www.defi.garden/?chain=BSC
- Tron ($3.7B TVL) — https://www.defi.garden/?chain=Tron
- Hyperliquid L1 ($3.3B TVL) — https://www.defi.garden/?chain=Hyperliquid%20L1
- Arbitrum ($3.1B TVL) — https://www.defi.garden/?chain=Arbitrum
- Avalanche ($1.6B TVL) — https://www.defi.garden/?chain=Avalanche

## Popular Token Yields
TL;DR: Most searched tokens for yield farming opportunities.
- USDC yields across all chains — https://www.defi.garden/?token=USDC
- USDT yields across all chains — https://www.defi.garden/?token=USDT
- ETH yields across all chains — https://www.defi.garden/?token=ETH
- WETH yields across all chains — https://www.defi.garden/?token=WETH
- DAI yields across all chains — https://www.defi.garden/?token=DAI
- BTC yields across all chains — https://www.defi.garden/?token=BTC
- WBTC yields across all chains — https://www.defi.garden/?token=WBTC
- STETH yields across all chains — https://www.defi.garden/?token=STETH

## Popular Token-Chain Combinations
TL;DR: Most common "find X yield on Y chain" searches.
- STETH on Ethereum ($23.8B TVL) — https://www.defi.garden/?token=STETH&chain=Ethereum
- WEETH on Ethereum ($9.6B TVL) — https://www.defi.garden/?token=WEETH&chain=Ethereum
- WBETH on Ethereum ($8.9B TVL) — https://www.defi.garden/?token=WBETH&chain=Ethereum
- WSTETH on Ethereum ($7.7B TVL) — https://www.defi.garden/?token=WSTETH&chain=Ethereum
- USDC on Ethereum ($5.1B TVL) — https://www.defi.garden/?token=USDC&chain=Ethereum
- CBBTC on Base ($4.9B TVL) — https://www.defi.garden/?token=CBBTC&chain=Base
- WBTC on Ethereum ($4.8B TVL) — https://www.defi.garden/?token=WBTC&chain=Ethereum
- SUSDS on Ethereum ($4.6B TVL) — https://www.defi.garden/?token=SUSDS&chain=Ethereum

## Major DeFi Protocols
TL;DR: Largest protocols by total value locked.
- lido ($23.5B TVL) — https://www.defi.garden/?protocols=lido
- aave-v3 ($17.2B TVL) — https://www.defi.garden/?protocols=aave-v3
- morpho-blue ($15.9B TVL) — https://www.defi.garden/?protocols=morpho-blue
- binance-staked-eth ($9.4B TVL) — https://www.defi.garden/?protocols=binance-staked-eth
- sky-lending ($7.5B TVL) — https://www.defi.garden/?protocols=sky-lending
- sparklend ($6.1B TVL) — https://www.defi.garden/?protocols=sparklend

## Common Search Patterns
TL;DR: Typical user queries and where to find them.
- "Best USDC yields" → https://www.defi.garden/?token=USDC
- "USDC yields on Base" → https://www.defi.garden/?token=USDC&chain=Base
- "Ethereum lending" → https://www.defi.garden/?chain=Ethereum&poolTypes=Lending
- "Pendle opportunities" → https://www.defi.garden/?protocols=pendle
- "High APY staking" → https://www.defi.garden/?poolTypes=Staking&minApy=10
- "Safe lending USDT" → https://www.defi.garden/?token=USDT&poolTypes=Lending
- "Arbitrum LP tokens" → https://www.defi.garden/?chain=Arbitrum&poolTypes=LP%2FDEX
- "High TVL pools" → https://www.defi.garden/?minTvl=10000000
- "How do I make yield pay a monthly subscription" → https://www.defi.garden/plan.html
- "Save toward retirement with crypto yield" → https://www.defi.garden/plan.html
- "How DeFi yield works (APY, lending rates, risk rails)" → https://www.defi.garden/guide/defi-yield-rates-explained
- "Is a specific pool's APY stable? DeFi Score and 14-day forecast for large pools" → https://www.defi.garden/pools

## Current Top Yields
TL;DR: Live highest APY opportunities (updated daily, TVL ≥ $100K).
- BSC · uniswap-v4 · GANG-USDT — 945.9% APY, $133,913 TVL — https://www.defi.garden/?pool=3256805f-20cf-549f-9d88-7fa9c87601f6
- Base · aerodrome-v1 · WETH-EDEL — 913.2% APY, $956,350 TVL — https://www.defi.garden/?pool=37a01d83-3eed-407a-9703-720f632ce288
- Solana · orca-dex · SOL-SPX — 897.8% APY, $127,915 TVL — https://www.defi.garden/?pool=2ab75a9e-1418-4fd8-bf2f-36f38b43aaa8
- BSC · zeebu · ZBU — 877.5% APY, $1,874,765 TVL — https://www.defi.garden/?pool=6cf96588-3d2a-47b3-a2da-8e4e25d5a5fa
- Aptos · tortuga · TAPT — 874.9% APY, $172,878 TVL — https://www.defi.garden/?pool=cafbed21-f8ba-45bb-b552-eca72bdcc1f9
- Solana · raydium-amm · MSFTX-USDC — 863.3% APY, $436,808 TVL — https://www.defi.garden/?pool=7a2d3931-0c0a-4e99-9e4b-4c647f532363
- Solana · raydium-amm · TTWO-USDC — 860.4% APY, $394,545 TVL — https://www.defi.garden/?pool=7293b4f5-43df-54db-803b-decb9a3d5a53
- Solana · raydium-amm · WSOL-FRONTIER — 834.2% APY, $118,884 TVL — https://www.defi.garden/?pool=fc59c3f4-35a6-56e7-afdf-572ebc617d1c

💡 Pro tip: Use natural language like "best ETH staking" or "USDC lending Base" to find opportunities.
📊 For live rates and direct protocol access: https://www.defi.garden