# Where ADA can earn: ranked for 1,000 ADA Staking, lending, loans and liquidity pools compared for 1,000 ADA (1,000 ADA, $216.38). Rates are readings, not promises. | # | Venue | Option | Rate (yearly %) | Rate type | Measured from | Window | Return in a year (ADA) | Lock-up | Size | Risks | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 1 | Dano Finance | USDCx/ADA pool, 0.3 % fee | 59.307 | APR | Trading fees of the last 30 days (volume × the pool fee of 0.3 %), annualised, against the pool's liquidity now. Fee income only: before impermanent loss. | Trades of the last 30 days | 592.45 | None: liquidity can be withdrawn at any time, as the two assets at the pool's ratio of that moment. | 955.0K ADA of liquidity in the pool | impermanent_loss, smart_contract, variable_rate | | 2 | Dano Finance | USDCx/ADA pool, 0.3 % fee | 52.073 | APR | Trading fees of the last 30 days (volume × the pool fee of 0.3 %), annualised, against the pool's liquidity now. Fee income only: before impermanent loss. | Trades of the last 30 days | 520.39 | None: liquidity can be withdrawn at any time, as the two assets at the pool's ratio of that moment. | 1.52M ADA of liquidity in the pool | impermanent_loss, smart_contract, variable_rate | | 3 | Dano Finance | USDM/ADA pool, 0.3 % fee | 47.051 | APR | Trading fees of the last 30 days (volume × the pool fee of 0.3 %), annualised, against the pool's liquidity now. Fee income only: before impermanent loss. | Trades of the last 30 days | 469.98 | None: liquidity can be withdrawn at any time, as the two assets at the pool's ratio of that moment. | 889.9K ADA of liquidity in the pool | impermanent_loss, smart_contract, variable_rate | | 4 | Minswap | USDCx/ADA pool, 1.85 % fee | 44.003 | APR | Trading fees of the last 30 days (volume × the pool fee of 1.85 %), annualised, against the pool's liquidity now. Fee income only: before impermanent loss. | Trades of the last 30 days | 439.55 | None: liquidity can be withdrawn at any time, as the two assets at the pool's ratio of that moment. | 910.4K ADA of liquidity in the pool | impermanent_loss, smart_contract, variable_rate | | 5 | Minswap | NIGHT/ADA pool, 0.3 % fee | 41.785 | APR | Trading fees of the last 30 days (volume × the pool fee of 0.3 %), annualised, against the pool's liquidity now. Fee income only: before impermanent loss. | Trades of the last 30 days | 417.79 | None: liquidity can be withdrawn at any time, as the two assets at the pool's ratio of that moment. | 7.10M ADA of liquidity in the pool | impermanent_loss, smart_contract, variable_rate | | 6 | SundaeSwap | NIGHT/ADA pool, 0.3 % fee | 32.848 | APR | Trading fees of the last 30 days (volume × the pool fee of 0.3 %), annualised, against the pool's liquidity now. Fee income only: before impermanent loss. | Trades of the last 30 days | 328.05 | None: liquidity can be withdrawn at any time, as the two assets at the pool's ratio of that moment. | 764.5K ADA of liquidity in the pool | impermanent_loss, smart_contract, variable_rate | | 7 | FluidTokens | Lend ADA to borrowers | 5.385 | APR | Principal-weighted starting rate of the 279 loans opened in ADA in the last 30 days (890.7K ADA), decoded from the loan datums. | Loans opened in the last 30 days | 53.85 | Open-ended: a loan has no end date and runs until the borrower repays it or its collateral is liquidated. | No open borrower request: a new offer waits for a borrower; 890.7K ADA was lent in the last 30 days; 5.76M ADA is on loan | smart_contract, counterparty, borrower_liquidation, idle_funds | | 8 | Cardano staking | Delegate to a stake pool | 1.901 | APR | Stake-weighted member return of all registered pools, from the reward formula with the current protocol parameters, reserves and live stake, at ideal pool performance. | Current epoch parameters and stake: an estimate, not rewards that were paid out | 19.01 | None: the ADA stays in your wallet and can be spent at any time. The first rewards arrive 15 to 20 days after delegating. | No practical limit; a single pool is full at about 79.02M ADA | pool_performance, variable_rate | | 9 | Liqwid | ADA market | 1.744 | APY | Interest paid by borrowers at the market's utilisation now, after the protocol's share, compounded per interest period; decoded from the market's state and parameter datums. | Rate at the last reading (2026-10-23 06:28 UTC); it moves with every loan and repayment. 7-day mean 1.75 % | 17.44 | None by contract. A withdrawal needs unlent funds in the market: 41.6 % is lent out, 21.56M ADA is available now. | 36.90M ADA supplied, 21.56M of it not lent out | smart_contract, borrower_liquidation, variable_rate | ## Not compared - Atrium: Diffusion staking basket (Its size is on the DeFi page. The return is not stated yet: the basket token's exchange rate has been followed for less than 2 reward updates and 10 days.) - Surf Lending: Isolated lending pools (Not indexed: its pool and loan contracts are not decoded here, so neither its supply rates nor its size are known to this site.) - Optim Finance: OADA / sOADA and liquidity bonds (Only the ADA held by its contracts is tracked (see the DeFi page); bond and sOADA rates are not decoded.) - Strike Finance: Perpetuals liquidity pool (Only the pool's balance is tracked; what liquidity providers earn from traders is not decoded.) - Incentive programmes: Farming and reward tokens (DEX farms, LQ, FLDT, INDY, ATMA) (Rewards paid in a protocol's own token are not part of any rate here: the amounts are set off chain or change by vote, and their value moves with the token.) ## Notes - Rates are current or past readings, not promises. APR is a simple yearly rate with nothing reinvested; APY includes compounding. The yearly return applies the rate to the amount for one year, as if nothing changed. - The order is by the rate that applies to the amount given: where a deposit is large against a lending market or a pool, the same income is spread over the larger base. - Liquidity-pool rates are fee income before impermanent loss: they are not comparable one to one with staking or lending, where the amount stays in the asset. - 67 liquidity pools with at least 250.0K ADA hold ADA and earned fees; the 6 with the highest fee rate for this amount are listed. The yields and pools pages have the rest. - Rewards paid in a protocol's own token (farming, LQ, FLDT, INDY, ATMA) are not part of any rate. Nothing here is advice. --- As of 2026-10-23T06:29:49.946Z (UTC). Source: https://realtap.app/earn?asset=ada&amount=1000 JSON: https://realtap.app/api/v1/yields/compare?asset=lovelace&amount=1000 Other assets or amounts: ?asset=ada|&amount=. Staking itself is done by the user in their own wallet. Units: ADA amounts are whole ADA, token amounts are decimal-adjusted, percentages are percent values, times are UTC. Cite as: "Source: Realtap (), retrieved ". Prices are derived from on-chain DEX pools and are not financial advice.