Find the best dai lending rates and earn up to 20% APY APY. Compare 6 platforms side-by-side.
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The best Binance-Peg DAI lending rate is 7% APY on EarnPark.. Other top platforms include Nexo (11.5% APY) and YouHodler (20% APY). Compare dai lending rates across 6 platforms.
| Platform | Action | Max Rate | Base Rate | Min Deposit | Lockup | US Access |
|---|---|---|---|---|---|---|
| EarnPark | Go to Platform | 7% APY | — | — | — | Check terms |
| Nexo | Go to Platform | 11.5% APY | — | — | 90 days | Check terms |
| YouHodler | Go to Platform | 20% APY | — | — | — | Check terms |
| 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 |
Rates shown are the headline rates we track for the United States users; actual rates may vary by product, tier, or terms.
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%.
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 |
| AQRU | — | — | — | general |
| Aave | United States (SEC) | Audited | — | — |
| Gemini | US (NYDFS, FinCEN) | 2024-12 (Big Four (SOC 2)) | Has issues | Digital asset insurance |
