4.91%APY
4.91%Sustainable APY
$2.1MTVL
Moderate · 31Risk score (0–100)
62Opportunity score
FairLiquidity
Why this yield exists
It pays yield entirely from interest charged to borrowers, with a very durable source. The sustainability is at its highest level.
What could lose money
The main risks are liquidity constraints and the quality of collateral backing the loans. It depends on Circle, Yearn, and Morpho. The pool is relatively small.
What changed recently
TVL +31.5% over 7 days, APY -2.4% over 7 days; 2 risk events this week (vault_new_collateral). Social signals: not yet monitored.
Main risk dimensions
- Liquidity: 44
- Asset price: 39
- Price oracle: 18
Where the yield comes from
- Borrower interest: 4.91% (100%)
Key dependencies
- Yearn (curator)
- Morpho (protocol family)
- Circle (issuer)
Governance and control
- Governance: immutable contracts (https://docs.morpho.org/learn/governance/organization/, checked 2026-10-07)
- Curator: Yearn · 3-day timelock · guardian · lends mostly against cbXRP (54%) at up to 86.0% LTV
Text source: written by an AI model from the structured fields and checked by a rule-based validator. Machine-readable copy of this report: JSON. ← All 25 opportunities