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Where to put it
Pick a goal, an asset and how much risk you take. You get a short list chosen by hand from our monthly picks, with today's rate, our research verdict and how you get out.
From picks 2026-09Not financial advice
1. What do you want?
2. How much risk?
Fixed-rate PTs, vaults and newer collateral: more yield, more moving parts.
Stablecoins, medium risk: 7 options
Full breakdown in picks 2026-09| Option | Rate | Our verdict | How to exit |
|---|---|---|---|
| PT reUSD · Pendle (10.12) fixed rate | 10.86% on 14.09 | caution | sell PT any time at market, or hold to 10.12 |
| PT sUSDat · Pendle (14.01.27) fixed rate · PT USDat on the same date pays 6.95% | 10.50% on 14.09 | caution | sell PT any time at market, or hold to 14.01.27 |
| Commodity Yield · Kamino Institutional trade finance · projected rate; short trade loans backed by commodities | 8.02% on 14.09 | caution | see the protocol |
| Fluid Lite USD vault leveraged vault | 6.88% on 14.09 | caution | see the protocol |
| Liquid RWA · ether.fi (Optimism) vault | 6.27% on 14.09 | caution | see the protocol |
| PT sUSDe · Pendle (Ethereum, 26.11) fixed rate | 4.89% on 14.09 | caution | sell PT any time at market, or hold to 26.11 |
| PT stUSDS · Pendle (26.11) fixed rate · stUSDS takes first losses in Sky; closer to high | 4.85% on 14.09 | solid | sell PT any time at market, or hold to 26.11 |
Sorted by today's rate within the risk level. "live" rates come from our yields board; dated ones are from the picks issue. A verdict is our research on the protocol, not on your position size. Not financial advice.
Split a sum across risk levels
Low60%$3,000USDC supply · Aave (Ethereum) (12.55%) · Liquid USD · ether.fi (9.00%)
Medium30%$1,500PT reUSD · Pendle (10.12) (10.86%) · PT sUSDat · Pendle (14.01.27) (10.50%)
High10%$500sUSDS / USDT loop · Morpho (25.57%) · PT USD3 · Pendle (17.12) (14.13%)
Blended rate today: about 11.65%, roughly $583 a year. Rates move; this is arithmetic on today's numbers, not a forecast.