Spark Savings
Lending app — deposit your token, earn interest from people who borrow it.
91% on Ethereum · also on 3 other chains
Chains
4
Live yield options
7
Best reward rate
3.65%
Live since
2025
Where it runs
Available on 4 chains
Earn here · live yield options
Yields available on Spark Savings
7 live options — yields range 1.95% to 3.65% per year, with a median of 3.65%.
-
01
spark-savings - USDC Ethereum
USDC
Reward
3.65%
→Pool size
$921Million
-
02
spark-savings - USDT Ethereum
USDT
Reward
2.5%
→Pool size
$396Million
-
03
spark-savings - USDS Arbitrum
USDS
Reward
3.65%
→Pool size
$358Million
-
04
spark-savings - ETH Ethereum
ETH
Reward
1.95%
→Pool size
$237Million
-
05
spark-savings - USDS Base
USDS
Reward
3.65%
→Pool size
$222Million
-
06
spark-savings - USDC Avalanche
USDC
Reward
3.65%
→Pool size
$35.1Million
All 7 yield options on Spark Savings Expand →
| Option | Chain | Reward | Pool size |
|---|---|---|---|
| spark-savings - USDC | Ethereum | 3.65% | $921Million |
| spark-savings - USDT | Ethereum | 2.5% | $396Million |
| spark-savings - USDS | Arbitrum | 3.65% | $358Million |
| spark-savings - ETH | Ethereum | 1.95% | $237Million |
| spark-savings - USDS | Base | 3.65% | $222Million |
| spark-savings - USDC | Avalanche | 3.65% | $35.1Million |
| spark-savings - PYUSD | Ethereum | 3.65% | $802Thousand |
How it works
Using Spark Savings in three steps
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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.
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3
Withdraw whenever
No lock-up. You can pull your tokens (plus accrued interest) any time the pool has free liquidity.
Read up
About Spark Savings
Description provided by the protocol team. Always verify directly before depositing funds.
Tokens earning here
Top tokens earning yield through Spark Savings
Same family
Other Spark products
These products share the brand but each is distinct code with its own deposits, audits, and risks. Pick the one that matches what you want to do.
Compare similar apps
Other lending apps worth a look
Frequently asked
What people ask about Spark Savings
What is Spark Savings?
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Spark Savings is an on-chain app. Lending app — deposit your token, earn interest from people who borrow it.
Is using Spark Savings safe?
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Spark Savings has 0 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 Spark Savings run 2.0%–3.7% 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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Spark Savings runs on 4 chains, including Ethereum, Arbitrum, Avalanche, 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.