Yield intelligence for onchain capital
Rates move.
Know where.
RateLayer compares yield across Robinhood Earn, lending markets, vaults and liquidity pools—then ranks every route by return, risk and liquidity.
- Non-custodial intelligence
- Source-linked data
- Risk-adjusted scoring
Rate Intelligence
Top yield opportunities.
Six current routes ranked by return, liquidity, resilience and risk.
Routes Tracked
44
Verified live routes
Protocols Indexed
7
Across tracked networks
Best Low-Risk Rate
8.85%
HYPERUSDCA · Morpho
Median Stable Yield
4.25%
7-day history not yet available
Calculated from live third-party data. Rates change frequently and are not guaranteed.
Featured routes
UPDATED JUST NOW
Source health
- DeFiLlamajust now
- GeckoTerminaljust now
- Manually verifiedno data
Live data · refreshed periodically (about every 10 minutes).
- Lending
Aave V3
USDT · Ethereum
Net APY
2.73%
Score
98
- Risk
- Low
- TVL
- $505.7M
- Type
- Lending
JUST NOWVerify - Lending
Aave V3
WETH · Ethereum
Net APY
1.42%
Score
98
- Risk
- Low
- TVL
- $714.5M
- Type
- Lending
JUST NOWVerify - Morpho Vault
Gauntlet
GTUSDCP · Base
Net APY
4.68%
Score
93
- Risk
- Low
- TVL
- $425.3M
- Type
- Morpho Vault
JUST NOWVerify - Morpho Vault
Steakhouse Financial
STEAKUSDC · Base
Net APY
4.60%
Score
93
- Risk
- Low
- TVL
- $592.7M
- Type
- Morpho Vault
JUST NOWVerify - Morpho Vault
Gauntlet
GTUSDCP · Base
Net APY
4.60%
Score
88
- Risk
- Low
- TVL
- $89.7M
- Type
- Morpho Vault
JUST NOWVerify - Morpho Vault
Steakhouse Financial
STEAKUSDG · Robinhood Chain
Net APY
7.45%
Score
85
- Risk
- Low
- TVL
- $312.4M
- Type
- Morpho Vault
JUST NOWVerify
| Protocol / Asset | Network | Type | Net APY | Risk | TVL / Liquidity | RateLayer Score | Source |
|---|---|---|---|---|---|---|---|
Aave V3 USDT | Ethereum | Lending | 2.73% | Low | $505.7M | 98 | Verify JUST NOW |
Aave V3 WETH | Ethereum | Lending | 1.42% | Low | $714.5M | 98 | Verify JUST NOW |
Gauntlet GTUSDCP | Base | Morpho Vault | 4.68% | Low | $425.3M | 93 | Verify JUST NOW |
Steakhouse Financial STEAKUSDC | Base | Morpho Vault | 4.60% | Low | $592.7M | 93 | Verify JUST NOW |
Gauntlet GTUSDCP | Base | Morpho Vault | 4.60% | Low | $89.7M | 88 | Verify JUST NOW |
Steakhouse Financial STEAKUSDG | Robinhood Chain | Morpho Vault | 7.45% | Low | $312.4M | 85 | Verify JUST NOW |
The RateLayer Score
Yield without context
is just a number.
Every route receives a transparent 0–100 score computed from live data. RateLayer weighs sustainable return against the risks that usually hide behind the headline.
Formula
Protocol Quality × Liquidity Depth × Rate Sustainability × Exit Flexibility
Weighted 30% / 25% / 25% / 20% in that order, then normalised to 0–100.
The score is informational only. It is not a guarantee of safety, solvency or future returns, and it does not constitute financial advice.
Top live route
Aave V3 · USDT
Risk: Low2.73% APY
Score
98
- Protocol Resilience (30%)95
- Liquidity Depth (25%)100
- Rate Sustainability (25%)100
- Exit Flexibility (20%)95
Built for clarity
From rate discovery to decision.
- 01
Rate Explorer
Compare lending, vault and LP opportunities across assets, chains and protocols.
- 02
Risk Lens
See smart-contract, liquidity, asset and incentive risk before following the APY.
- 03Coming Next
Spread Alerts
Know when a route moves above a selected threshold or market benchmark.
- 04Coming Next
Route History
Separate sustainable yield from temporary spikes using historical rate context.
$RLYR Access Layer
Intelligence stays open.
Speed becomes an edge.
The core explorer remains public. $RLYR is designed as an access and coordination layer for advanced alerts, deeper history and community-governed coverage.
- Planned
Priority Alerts
Token-gated rate-spread and risk-change notifications.
- Planned
Advanced Intelligence
Deeper history, saved routes and custom scoring preferences.
- Planned
Coverage Governance
Allow holders to signal which assets, protocols and networks RateLayer should index next.
All $RLYR utilities described above are planned and not yet available. Nothing here represents staking rewards, revenue sharing, buybacks or any expectation of profit.
Roadmap
Building the rate layer.
From transparent rate discovery to personalized onchain yield intelligence.