Stablecoin Earn Benchmark
BEI-Stable: the median APY savers can actually get on USDC and USDT across the platforms Bitcompare tracks — published daily, split by CeFi and DeFi.
Print for 15 de agosto de 2026, published 00:15 UTC
BEI-Stable over time
Daily median APY prints for the overall index. Click CeFi or DeFi in the legend to compare segments.
Dashed segments are reconstructed history: prints rebuilt from Bitcompare's internal daily rate records under methodology v1.0-backfill. Reconstruction cannot retroactively apply serving-time validation, so treat dashed points as indicative rather than authoritative. Solid segments are live prints. Anonymous access shows the most recent 90 days; full history is available via the API.
How BEI-Stable is calculated
A benchmark is only useful if you can check its work. Here is the full calculation, its inclusion rules, and its limits.
BEI-Stable is the median APY across servable USDC and USDT lending rates from providers listed on Bitcompare. A constituent is one (provider, symbol) pair — so a platform quoting both USDC and USDT contributes two constituents. The index is published once a day at 00:15 UTC and stamped for the prior day. CeFi and DeFi segment medians split constituents by platform classification; hybrid platforms count in the overall index only, never in either segment.
A print requires at least 5 constituents overall and at least 3 per segment. Below those minimums, no number is published for that day — gaps in the series are honest gaps, not interpolations.
Promotional and boosted rates are excluded from the calculation once flagged, so short-lived marketing offers don't distort the median. A TVL-weighted variant is published alongside the median only when at least 60% of constituents (and no fewer than 3) carry verified TVL figures.
History before 2026-08-17 is reconstructed from Bitcompare's internal daily rate history under methodology v1.0-backfill. Those points are flagged in the data and drawn dashed in the chart. Reconstruction cannot retroactively apply the serving-time validation that live prints get, so backfilled values should be read as indicative.
Published prints are immutable. If a methodology error is found, corrections are published under a new methodology version — historical prints are never silently rewritten. Every print carries the methodology version it was produced under.
Citing and reusing this data
You may quote, chart, and republish BEI-Stable values with attribution to Bitcompare and a link to this page. The index is provided for information only: it is not investment advice, and rates achievable on any individual platform will differ from the median. For programmatic or commercial use, access the data through the Bitcompare API.
Read the full rates methodology for how the underlying rates are collected and verified, or pull benchmark prints programmatically via the stablecoin yield API.
Frequently Asked Questions About the Bitcompare Earn Index
- What is the Bitcompare Earn Index (BEI-Stable)?
- BEI-Stable is a daily benchmark of stablecoin yield: the median APY across servable USDC and USDT lending rates from providers listed on Bitcompare. It answers one question — what can a stablecoin saver typically earn today? — with a single, citable number, published every day at 00:15 UTC and stamped for the prior day.
- How is BEI-Stable calculated?
- Each constituent is one (provider, symbol) pair for USDC or USDT lending. The index takes the median rate across all constituents, with promotional and boosted rates excluded once flagged. A print requires at least 5 constituents overall (3 per segment) — below that, no number is published for the day. A TVL-weighted variant is published when at least 60% of constituents carry verified TVL. Published prints are immutable; corrections ship under a new methodology version.
- Why do the CeFi and DeFi medians differ?
- CeFi platforms set rates commercially — they reflect the platform's lending book, funding needs, and customer acquisition strategy — while DeFi rates emerge from on-chain supply and demand for borrowing each asset. The two markets respond to different forces, so their medians diverge, sometimes sharply. Hybrid platforms are counted in the overall index only, so each segment median stays a clean read of its own market.
- Can I access the benchmark data programmatically?
- Yes. Current prints and daily history for all three segments are available through the Bitcompare stablecoin yield API, with anonymous access covering the most recent 90 days and authenticated access covering full history. See the stablecoin yield API page for endpoints, keys, and pricing.
Build with the benchmark
Pull daily BEI-Stable prints and full segment history via the stablecoin yield API. 10,000 requests/month free.