Binance-Peg DAI (DAI) Lending Rates Up to 20% APY

Find the best DAI lending rates and earn up to 20% APY. Compare 8 platforms side-by-side.

Last updated: January 12, 2026|Advertising disclosure

Binance-Peg DAI Lending Guide

How to lend Binance-Peg DAI

Crypto lending guide

Compare Binance-Peg DAI (DAI) Lending Rates

Platform	Action	Max Rate	Base Rate	Min Deposit	Lockup	US Access
Nexo	Go to Platform	13% APY	9% APY	—	90 days	Check terms
EarnPark	Go to Platform	7% APY	—	—	30 days	Not US
YouHodler	Go to Platform	20% APY	—	—	—	Not US
AQRU	Go to Platform	6% APY	—	—	—	Check terms
Aave	Go to Platform	3.42% APY	—	—	—	Check terms
Gemini	Go to Platform	0.01% APY	—	—	—	Check terms
SwissBorg	Go to Platform	4.81% APY	2.66% APY	—	—	Check terms

Platform

Action

Max Rate

Base Rate

Min Deposit

Lockup

US Access

Nexo

Go to Platform

13% APY

9% APY

—

90 days

Check terms

EarnPark

Go to Platform

7% APY

—

30 days

Not US

YouHodler

Go to Platform

20% APY

—

Not US

AQRU

Go to Platform

6% APY

—

Check terms

Aave

Go to Platform

3.42% APY

—

Check terms

Gemini

Go to Platform

0.01% APY

—

Check terms

SwissBorg

Go to Platform

4.81% APY

2.66% APY

—

Check terms

Historical Binance-Peg DAI lending rates (the United States)

Rates shown are the headline rates we track for the United States users; actual rates may vary by product, tier, or terms.

Loading chart...

YouHodler currently offers the highest Binance-Peg DAI lending rate in the United States at 20.00% APY, matching its 30-day average of 20.00%.

30-DAY AVERAGE RATESArrows compare today vs 30-day average

Provider	Current Rate	Trend	Average Rate
YouHodler	20%	-	avg 20%
Nexo	13%		avg 11.93%
Earnpark	7%		avg 2.5%
Aqru	6%	-	avg 6%
Aave	3.42%		avg 0%
Gemini	0.01%	-	avg 0.01%
Best 30-day averageYouHodler (20% APY)

Last updated: Feb 9, 2026, 04:05 AM

Platform Safety Information

We evaluate each platform's regulatory status, transparency, and track record.

Platform	Regulatory Status	Proof of Reserves	Track Record	Insurance
Nexo	EU (VARA Dubai, Multiple VASPs)	2024-12 (Armanino)	Has issues	Custodial insurance
Aave	United States (SEC)	Audited	—	—
Gemini	US (NYDFS, FinCEN)	2024-12 (Big Four (SOC 2))	Has issues	Digital asset insurance

How we gather this information

Frequently Asked Questions About Binance-Peg DAI (DAI) Lending

What is Binance-Peg DAI and how does it differ from regular DAI?

Binance-Peg DAI is an asset pegged to the value of DAI, a decentralized stablecoin on Ethereum, but issued on the Binance Smart Chain (BSC) network via the Binance Peg system. Each Binance-Peg DAI is designed to maintain a 1:1 value with the original DAI by being backed and bridged between networks. The key difference is the network and bridge: Binance-Peg DAI operates on BSC (and compatible ecosystems) with faster, cheaper transactions compared to Ethereum, but it relies on the Binance-backed peg mechanism and custodial bridging. This makes it convenient for users entrenched in the Binance ecosystem while still exposing them to DAI’s price stability model. Always verify the peg status and bridge provider, as peg trust hinges on custodians and collateral management on the Binance side, not on the DAI protocol itself.

What is the current price and circulating supply of Binance-Peg DAI, and what does that imply for traders?

As of now, Binance-Peg DAI trades around 0.9995 USD per token, very close to its 1.00 USD peg. The circulating supply is approximately 41.0 million DAI tokens, reflecting a substantial but not unlimited supply. For traders, this near-peg price reduces volatility relative to typical altcoins and stablecoins can drift slightly due to liquidity, bridging costs, or market sentiment. Liquidity on BSC-based decentralized exchanges and cross-chain bridges is a critical factor: higher liquidity generally means tighter spreads and easier entry/exit. If you’re using Binance-Peg DAI for yield farming or liquidity pools, monitor peg stability and any protocol-specific risks associated with the chain you’re using, and consider slippage during rapid price moves.

Which networks and platforms support Binance-Peg DAI, and how can I use it safely?

Binance-Peg DAI is primarily designed for use within the Binance ecosystem, especially on Binance Smart Chain (BSC) and compatible wallets and protocols that recognize the Binance Peg asset. You can typically access it through BSC-compatible wallets like MetaMask with the BSC network, or via Binance Convert/Bridge interfaces. When using Binance-Peg DAI, ensure you’re interacting with trusted bridges or exchanges and enable spending approvals only for trusted protocols. Be mindful of bridge fees, potential delays during network congestion, and double-check the token contract address to avoid counterfeit tokens. If you’re moving assets between Ethereum-based DAI and Binance-Peg DAI, count on bridge-related times and costs, and confirm peg status after bridge completion before relying on the peg for pricing or arbitrage.

What are the primary use cases for Binance-Peg DAI in DeFi on BSC?

Binance-Peg DAI serves as a stable, reliable unit of account and medium of exchange within BSC-based DeFi. Common use cases include providing liquidity in AMMs (such as PancakeSwap forks on BSC), participating in yield farming or lending protocols that accept pegged assets, and acting as a stable collateral option in certain borrowing platforms. Its close alignment to the DAI peg helps minimize price risk when deploying strategies that require stable value tokens. When using Binance-Peg DAI for lending, verify platform risk profiles, interest rates, collateral requirements, and potential liquidation mechanisms. Also, consider bridging costs and confirmation times if moving assets across chains, as these can affect net returns.

What factors could affect the stability and reliability of Binance-Peg DAI’s peg?

The stability of Binance-Peg DAI depends on the integrity of the peg mechanism maintained by the Binance ecosystem, including custodial reserves and bridging infrastructure. Key factors include the liquidity and reliability of the Binance Bridge, the health of the Binance Smart Chain network (gas fees, congestion, and validator/validator-equivalent conditions), and market demand for the pegged asset. If the bridging provider faces solvency concerns, or if there are significant delays or failures in peg replenishment, the price of Binance-Peg DAI could deviate from 1 USD. Always monitor official announcements from Binance and trusted DeFi analytics sources for peg status, reserves updates, and any disruption notices. Diversify across platforms and use price alerts to react quickly to peg deviations.

Frequently Asked Questions About Binance-Peg DAI (DAI) Lending