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USDS logo

USDS (USDS) Interest Rates

Compare USDS interest rates for lending, staking, and borrowing

$1.00
↑ 0.01%
Updated: January 12, 2026
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Compare USDS (USDS) Interest Rates

USDS (USDS) Lending Rates

PlatformActionMax RateBase RateMin DepositLockupUS Access
AaveGo to Platform1.24% APY———Check terms
See all 4 lending rates

USDS (USDS) Borrowing Rates

PlatformActionBest RateLTVMin CollateralUS Access
CompoundGet Loan3.02% APR——Check terms
AaveGet Loan5.21% APR——Check terms
See all 4 borrowing rates

USDS Lending Rates Market Summary

Average Rate
1.24% APY
Highest Rate
1.24% APY
Aave
Platforms Tracked
1
Best Risk-Adjusted
1.24% APY
Aave

How to read this table:

  • Max Rate — Max Rate is the advertised maximum.
  • Base Rate — Base Rate is what most users actually get (often requires token staking or high tiers for max rate).

Learn more about how rates work →

USDS Guides

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About USDS

USDS is a stablecoin that has transitioned from its previous identity as DAI, now tracking its circulating supply alongside wrappers like DAI. While specific details on its technology and network architecture are not disclosed, USDS aims to maintain price stability and enable seamless transactions...
USDS serves key functions in decentralized finance (DeFi), acting as a stable medium for peer-to-peer transactions to reduce volatility. It can also be used for lending and borrowing on DeFi platforms, allowing users to earn interest or access liquidity without liquidating assets.
The tokenomics of USDS focuses on maintaining a 1:1 peg with the US dollar. Its supply mechanism tracks the circulating supply of USDS and wrappers like DAI, adjusting based on market demand. This dynamic allows USDS to expand or contract its supply, helping to stabilize its value.
USDS incorporates security features to protect against unauthorized access and ensure transaction integrity. While specific consensus mechanisms are not publicly disclosed, stablecoins like USDS generally use strong cryptographic techniques to secure transactions.
The development roadmap for USDS includes key milestones reflecting its evolution from DAI to a stablecoin pegged to the US dollar. A significant milestone was the rebranding to USDS for clarity on its purpose. The project is focused on integrating mechanisms to track circulating supply and...

How to Keep Your USDS Safe?

To enhance the security of your USDS holdings, consider using a hardware wallet, such as Ledger or Trezor, which provides offline storage and protection against online threats. Ensure that you purchase these devices directly from the manufacturer to avoid tampering. For private key management, generate your keys in a secure environment, never share them, and consider using a password manager for added security. Be aware of common risks, such as phishing attacks and malware; always verify URLs and use antivirus software to mitigate these threats. Implement multi-signature wallets, which require multiple private keys to authorize transactions, adding an extra layer of security. Lastly, establish a robust backup procedure by securely storing your recovery phrases and private keys in multiple physical locations, ensuring that you can recover your assets in case of loss or theft.

How Does USDS Work?

USDS operates on a blockchain architecture that facilitates the tracking of its circulating supply and wrappers, such as DAI, although specific details about the underlying blockchain are not provided. The consensus mechanism employed by USDS is not explicitly defined, but it typically involves decentralized validation processes common in stablecoin ecosystems. Transaction validation is achieved through a network of nodes that verify the authenticity and integrity of transactions before they are added to the ledger, ensuring that only legitimate transactions are processed. Network security measures are likely implemented through cryptographic techniques and decentralized consensus to prevent fraud and maintain data integrity. Unique technical features of USDS include its ability to maintain a stable value pegged to the US dollar, allowing for efficient transfers and liquidity in the cryptocurrency market.

Frequently Asked Questions About USDS (USDS) Interest Rates

What is USDS and what makes it unique?
USDS is a cryptocurrency designed to function as a stablecoin, aiming to maintain a price close to $1.00. With a circulating supply around 9.64 billion tokens and a current market price near 0.9999 USD, it is built to offer stability for traders and users seeking a reliable store of value within crypto markets. Key characteristics often include automated minting/burning mechanics, collateralization, or algorithmic stabilization features, depending on the project’s design. If you’re evaluating USDS, check the project’s whitepaper for stability mechanism specifics, reserve assets, and governance structure to understand how price stability is intended to be achieved and maintained through market fluctuations.
How can I buy or trade USDS, and which exchanges list it?
To acquire USDS, you typically need to use a cryptocurrency exchange that lists the token. Start by creating an account on a reputable exchange, complete KYC if required, and deposit funds (fiat or crypto). Then search for USDS in the exchange’s trading pairs and place a buy order. Market participants often trade USDS against major cryptocurrencies or fiat-backed stablecoins. For accurate, up-to-date trading availability, verify the exact token symbol (usds) and the supported pairs on your chosen exchange, and consider liquidity, trading fees, and withdrawal options. Always use official sources or the coin’s website for the latest exchange listings.
Is USDS truly stable, and what backs its value?
The perceived stability of USDS depends on its underlying mechanism. Stablecoins can be fiat-backed (reserves held in fiat currency), crypto-collateralized (backed by other cryptocurrencies), or algorithmic (governance rules adjust supply to target a peg). The current information indicates USDS trades near $1.00, with a price around 0.9998 USD and a 24-hour change of about 0.0166%. To assess stability, review the project’s reserve disclosures, collateral ratios, and stabilization algorithm proofs (if applicable). Transparency about reserve holdings and auditing practices is crucial for evaluating long-term reliability. If you plan to use USDS for remittances or DeFi, ensure you understand the peg mechanism and potential risks during market stress.
What are the potential risks of holding or using USDS?
While USDS aims to maintain a stable value, investors should consider several risks: (1) Peg risk: if the stabilization mechanism fails or reserves are insufficient, the price could deviate from $1. (2) Counterparty risk: reserves or custody solutions may involve third-party entities. (3) Regulatory risk: oversight of stablecoins varies by jurisdiction and can impact usability or access. (4) Platform risk: bugs, smart contract vulnerabilities, or exchange hacks can affect liquidity and access. (5) Liquidity risk: during market stress, low liquidity can widen spreads and make redemptions slower. Always conduct due diligence on the issuer, audit history, and supported reserve assets before committing significant funds.
What wallets support USDS, and what about security best practices?
USDS can be stored in wallets that support its token standard and network. If USDS is minted on a specific blockchain, you’ll want a compatible wallet with private key control or a trusted custody solution. For security, follow best practices: enable two-factor authentication on exchange accounts, use hardware wallets for long-term storage, keep private keys and seed phrases offline in a secure location, and verify recipient addresses before transfers. When transferring USDS, double-check the network compatibility and transaction fees, as cross-network transfers can incur additional risk or loss if sent to an unsupported chain.