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Fluid Yield Strategies

Compare 9 yield strategies on Fluid across ETH, EURC, USDC, USDT, WBTC. Live APY rates, TVL, and performance history — updated daily.

Strategies

9

Assets

5

Networks

3

Top APY

3.64%

All Fluid Strategies

StrategyAssetNetworkCuratorAPYTVL
LendUSDCArbitrum—3.64%$31.0M
LendUSDCBase—3.15%$10.0M
LendUSDCMainnet—2.85%$207.5M
LendUSDTMainnet—2.85%$125.6M
WETH LendETHMainnet—1.99%$119.1M
EURC LendingEURCBase—1.51%$2.2M
WETH LendingETHBase—1.45%$188.7K
Lending (Vault 22)WBTCMainnet—0.09%$25.5M
wstETH LendETHMainnet—0.05%$6.3M

Frequently Asked Questions

What is the highest APY on Fluid?

The highest-yielding strategy on Fluid is Lend with 3.64% APY on USDC (Arbitrum).

How many strategies does Earnbase track on Fluid?

Earnbase tracks 9 yield strategies on Fluid across ETH, EURC, USDC, USDT, WBTC.

What assets can I earn yield on with Fluid?

Fluid supports yield strategies for ETH, EURC, USDC, USDT, WBTC across Mainnet, Base, Arbitrum.

Does Fluid yield include external rewards?

No. Earnbase tracks on-chain APY only. External incentives like token rewards or points are excluded from all yield data.

Fluid Yields: Compare APY Across 5 Assets

Earnbase tracks 9 yield strategies on Fluid across 3 networks. Compare APY rates for ETH, EURC, USDC, USDT, WBTC, updated daily.

Total TVL

$527.4M

Top APY

3.64%

Networks

3

Assets

5

Tracked Assets on Fluid | Jump to

US
USDC33.64%
ET
ETH31.99%
US
USDT12.85%
EU
EURC11.51%
WB
WBTC10.09%

USDC

3 strategies
Product APY
U
LendArbitrumArbitrum
3.64%
U
LendBaseBase
3.15%
U
LendMainnetMainnet
2.85%

ETH

3 strategies
Product APY
E
WETH LendMainnetMainnet
1.99%
E
WETH LendingBaseBase
1.45%
E
wstETH LendMainnetMainnet
0.05%

USDT

1 strategy
Product APY
U
LendMainnetMainnet
2.85%

EURC

1 strategy
Product APY
E
EURC LendingBaseBase
1.51%

WBTC

1 strategy
Product APY
W
Lending (Vault 22)MainnetMainnet
0.09%

About Fluid

Fluid's core innovation is capital efficiency. deposited assets can serve as liquidity across multiple DeFi functions simultaneously rather than being locked into a single lending pool. In practice, this means Fluid can achieve higher utilization rates than traditional lending protocols, which translates to more competitive interest rates when borrowing demand is strong.

The protocol operates on Ethereum Mainnet, Base, and Arbitrum, offering lending positions for USDC, ETH, and other major assets. Fluid rates tend to respond quickly to shifts in borrowing demand because the protocol's efficient capital structure means less idle liquidity dampening rates. Comparing Fluid across its three networks often reveals meaningful rate divergences.

Base and Arbitrum may offer different rates for the same asset depending on local DeFi activity levels. The protocol's lending positions are straightforward single-market deposits without the curator complexity of protocols like Morpho or Euler, making yield comparison more direct: the main variables are asset choice and network selection.

Earnbase tracks 9 strategies on Fluid across Arbitrum, Base, Mainnet.

Frequently Asked Questions

What is the highest APY on Fluid?
The highest yield currently tracked on Fluid is 3.64% APY on Lend (USDC on Arbitrum). Rates are variable and update daily.
How many strategies does Earnbase track on Fluid?
Earnbase tracks 9 yield strategies on Fluid across 5 assets and 3 networks.
What assets can I earn yield on with Fluid?
Fluid supports yield strategies for ETH, EURC, USDC, USDT, WBTC. Each asset has multiple strategies with different risk profiles and APY rates.
Does Fluid yield include external rewards?
No. APY shown on Earnbase reflects on-chain vault performance only. External incentives such as token rewards, points programs, and liquidity mining are excluded.
What is the total TVL across all Fluid strategies?
The combined TVL across all 9 Fluid strategies tracked on Earnbase is $527.4M.
What is the average APY across Fluid strategies?
The average APY across all tracked Fluid strategies is 1.95%. Individual strategies vary considerably — sorting the tables by APY reveals the full range from conservative to higher-yield positions.
How do Fluid strategies compare across networks?
Fluid is deployed on Arbitrum, Base, Mainnet. Borrowing demand and liquidity conditions differ by network, so the same asset can yield different rates depending on which network you deposit on. Comparing across networks is one of the most reliable ways to find yield improvements without changing risk profile.
What is the best 30-day APY on Fluid?
The highest 30-day average APY on Fluid is 4.23% on Lend. The 30-day figure smooths out short-term rate spikes and provides a more reliable indicator of what a position has actually delivered over time.
How do I choose between Fluid strategies?
Sort by APY to identify the highest-yielding options, then examine the product name and network for context. Higher APY typically reflects higher collateral risk, leverage, or a smaller liquidity pool. Comparing the 24-hour APY against the 30-day average helps identify whether a rate spike is recent or sustained.
Are all Fluid strategies the same risk?
No. Fluid strategies vary by collateral type, network, curator (if applicable), leverage, and liquidity pool size. A conservative USDC vault with blue-chip collateral carries different risk than a higher-yield strategy accepting more volatile collateral. APY differences between strategies on the same protocol reflect these underlying differences.