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  2. Lending Rates
Dai logo

Dai (DAI) Lending Rates Up to 16% APY

Find the best DAI lending rates and earn up to 16% APY. Compare 22 platforms side-by-side.

Last updated: January 11, 2026|Advertising disclosure

Dai Lending Guide

How to lend Dai
Crypto lending guide

Calculate DAI Interest

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Earn High Yields on Your Crypto with Nexo
  • Up to 18% APY on crypto and fiat currencies.
  • Daily compounding interest.
  • No lock-up periods, withdraw anytime.

Dai DAI News

ASIC Expands Digital Asset Relief For Stablecoin Intermediaries - Decrypt
December 9, 2025ASIC Expands Digital Asset Relief For Stablecoin Intermediaries - Decrypt

The Australian regulator indicated the framework could expand as additional stablecoin and wrapped token issuers secure AFS licences.

Frequently Asked Questions About Dai (DAI) Lending

What is Dai and how does its stability work?
Dai is a decentralized, non-custodial stablecoin designed to maintain a value close to $1. It operates on the Ethereum blockchain using overcollateralized debt positions in the Maker Protocol. Users lock up collateral assets (like ETH) in a Maker Vault to generate Dai. If the collateral value falls, the system triggers liquidation to protect the peg. Unlike fiat-backed stablecoins, Dai is not issued by a central bank; its stability relies on smart contracts, governance, and economic incentives within the Maker ecosystem. For everyday use, Dai offers a stable unit of account and medium of exchange on DeFi platforms, reducing exposure to crypto price volatility.
How can I acquire and store Dai securely?
You can acquire Dai through crypto exchanges that list it, or by converting other cryptocurrencies on DeFi platforms. For storage, use a compatible wallet that supports ERC-20 tokens, such as MetaMask, Ledger, or other hardware/software wallets. If you want enhanced security, consider a hardware wallet for long-term storage and enable recovery phrases. When using DeFi apps, be mindful of contract addresses and only interact with reputable protocols. Always double-check the Dai contract address and use centralized exchanges with proper security practices to minimize risk of hacks or phishing. Regularly update wallet software and enable two-factor authentication where possible.
What are the main advantages and risks of using Dai in DeFi?
Advantages include price stability relative to more volatile tokens, broad acceptance across DeFi platforms (lending, borrowing, swapping), and quick settlement on the Ethereum network. Dai enables predictable payments, savings, and collateral at risk-adjusted rates within decentralized protocols. Risks involve smart contract risk, oracle risk, and potential systemic events within the Maker ecosystem that could affect Dai’s peg. Regulatory developments could also impact stablecoins. To mitigate risk, diversify across platforms, review protocol health metrics (collateralization ratios, liquidation thresholds), and stay informed about MakerDao governance decisions and audits. Always assess whether the use case justifies exposure to DeFi risks.

Compare Dai (DAI) Lending Rates

PlatformCoinInterest rate
NexoDai (DAI)Up to 14% APY
AaveDai (DAI)Up to 11.64% APY
AQRUDai (DAI)Up to 6% APY
BitgetDai (DAI)Up to 5% APY
Blockchain.comDai (DAI)Up to 3.75% APY
BTSEDai (DAI)Up to 4.35% APY

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