Reserve Protocol
Lending app — deposit your token, earn interest from people who borrow it.
97% on Ethereum · also on 1 other chains
Chains
2
Live yield options
8
Best reward rate
8.85%
Custody
You hold the keys
Where it runs
Available on 2 chains
Earn here · live yield options
Yields available on Reserve Protocol
8 live options — yields range 0.0% to 8.85% per year, with a median of 5.01%.
-
01
reserve-protocol - EUSD Ethereum
EUSD
Reward
—
→Pool size
$23.7Million
-
02
reserve-protocol - USD3 Ethereum
USD3
Reward
5.01%
→Pool size
$4.74Million
-
03
reserve-protocol - BSDETH Base
BSDETH
Reward
8.85%
→Pool size
$2.3Million
-
04
reserve-protocol - HYUSD Ethereum
HYUSD
Reward
—
→Pool size
$74.2Thousand
-
05
reserve-protocol - HYUSD Base
HYUSD
Reward
0.0%
→Pool size
$68.1Thousand
-
06
reserve-protocol - DGNETH Ethereum
DGNETH
Reward
—
→Pool size
$30.4Thousand
All 8 yield options on Reserve Protocol Expand →
| Option | Chain | Reward | Pool size |
|---|---|---|---|
| reserve-protocol - EUSD | Ethereum | 0.0% | $23.7Million |
| reserve-protocol - USD3 | Ethereum | 5.01% | $4.74Million |
| reserve-protocol - BSDETH | Base | 8.85% | $2.3Million |
| reserve-protocol - HYUSD | Ethereum | 0.0% | $74.2Thousand |
| reserve-protocol - HYUSD | Base | 0.0% | $68.1Thousand |
| reserve-protocol - DGNETH | Ethereum | 0.0% | $30.4Thousand |
| reserve-protocol - MAAT | Base | 0.0% | $20.9Thousand |
| reserve-protocol - RGUSD | Ethereum | 0.0% | $11.1Thousand |
How it works
Using Reserve Protocol in three steps
-
1
Deposit your token
Pick a token you already hold, send it to the lending app's smart contract. You keep custody — your tokens just sit in a pool earning interest.
-
2
Earn interest
Other people borrow against your deposit. The interest they pay flows back to you, accruing in real time.
-
3
Withdraw whenever
No lock-up. You can pull your tokens (plus accrued interest) any time the pool has free liquidity.
Read up
About Reserve Protocol
Description provided by the protocol team. Always verify directly before depositing funds.
Tokens earning here
Top tokens earning yield through Reserve Protocol
Compare similar apps
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Frequently asked
What people ask about Reserve Protocol
What is Reserve Protocol?
+
Reserve Protocol is an on-chain app. Lending app — deposit your token, earn interest from people who borrow it.
Is using Reserve Protocol safe?
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Reserve Protocol has 2 public audits on file. Audits help — they don't eliminate risk. Always check what tokens you're depositing and never put in more than you can afford to lose.
How much can I earn?
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Right now yields on Reserve Protocol run 0.0%–8.9% per year, depending on which pool you pick and which chain you use. Rates change with demand.
Which chains does it run on?
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Reserve Protocol runs on 2 chains, including Ethereum, Base. Each chain has its own fees and speeds — pick the one you already use.
Figures are reference values aggregated from public sources and refresh hourly. Always confirm directly before depositing funds.
See also
Terms used on this page
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Smart Contract
Code on a blockchain that runs automatically when called. DeFi protocols are smart contracts — bugs in the code can lose user funds.
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Audit
An independent security review of a smart contract. More audits and longer track record reduce — but never eliminate — code risk.
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Impermanent Loss
A loss LP providers experience when the two pool tokens diverge in price. The loss only crystallises if you withdraw at that ratio.
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Oracle
An on-chain feed of off-chain data — usually prices. Lending and CDP protocols rely on oracles to liquidate positions correctly.
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TVL (Total Value Locked)
The total dollar value of assets currently deposited in a DeFi protocol. A rough proxy for adoption and trust.