ToolsReal World AssetsOnchain Cash Rates
How much could this pay me?
Compare income and how long it takes to get your money back.
Your money
Rates are still loading.
Simple interest at today's rates, before any fees or lockups. Every row below shows the same amount for you.
Onchain Treasury bill rate
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Median of 0 tokenized treasury pools. This is what cash parked onchain in Treasury bills earns right now; everything below is measured against it.
Private credit, middle of them
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Across the tokenized credit pools tracked.
Stablecoin savings, middle of them
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Savings products backed by Treasury bills, or run by a protocol. The protocol is one more thing that can break.
What each product pays, and what for
What each one really pays, with the token bonuses left out, how that compares with the onchain Treasury bill rate, and what you would actually be holding. Paying more than Treasury bills means you are being paid to take on something extra, and the note says what.
Reading the live rates.
Only pools above $10M with a reported APY are shown. Structure tags summarise each issuer's own documentation. Read it before you hold anything. Want to test a specific yield? Run the Real Yield Check, then audit the project.
How to read the spread
- Treasuries should sit within about 25 bps of the onchain Treasury bill rate. Below it, you are paying for convenience or integrations; above it, ask where the extra comes from.
- Private credit pays more than Treasury bills. The extra is the price of borrowers not paying back and of waiting to get your money out. In 2026 the safest lending pools pay a few points over Treasury bills; riskier pools pay far more, for a reason.
- Stablecoin savings are usually backed by Treasury bills, but the yield reaches you through a protocol. The extra is what you are paid for the risk that the protocol or its code breaks.
- Rates drift. The board refreshes every 10 minutes, and the Real Yield Check uses these same live numbers.
Live data, not advice. Projects report these yields to DefiLlama and can change them without notice. Tokenized assets carry issuer, custody, legal and code risk.
How this tool works
How to read the spread
- 01
Type your amount and how long you can wait. Every row shows the dollars it pays you over that time. The extra over a Treasury bill fund is what you are paid for the risk.
- 02
Each row is a place to park dollars onchain and what it pays today.
- 03
The Treasury bill rate is the anchor. Anything paying much more is taking a risk the Treasury bill does not.
- 04
Sort by rate, then read the type. A private credit pool and a treasury fund are not the same kind of promise.
Live from DefiLlama, refreshed every ten minutes while the page is open. Educational only.
How the calculation works
- 01Each class rate is the median base yearly rate across its usable pools.
- 02A pool's spread = its rate minus the class median. Your money = amount times rate times months divided by 12.
Data sources and update times
- DefiLlama yields
- Pool rates and dollars parked, classified by GnosisFi's issuer list
- Cached 10 minutes, reloads every 10 minutes while open