Aave V3 · Celo

USDM

Overview

The Aave V3 USDM pool on Celo is a single-asset lending position where suppliers earn variable interest on stablecoin deposits. Aave routes borrowing demand against pooled USDM liquidity and pays suppliers from the resulting interest spread. The pool is one of several venues for this asset on Celo, competing with other lending protocols.

Total APY stands at 2.46%. Trend data shows a 7-day increase of 0.09% and a 30-day rise of 1.05%, placing the current rate below the 30-day mean of 2.97%. This indicates expanding yield for suppliers over the past month.

TVL is $97,084 with no significant change in the last week, suggesting stability in terms of capital inflows and outflows. Primary exposure here is depeg risk on the underlying stablecoin USDM. Utilisation rates sit within typical ranges for this asset class and protocol category, ensuring supply-side rates remain responsive to borrower demand.

Composed 2026-05-22 from the structured data above. See methodology for the full pipeline.

Risk profile

• Smart contract risk

  Funds are deposited into a smart contract. A bug or exploit in the contract could lead to total loss. Audits reduce, but do not eliminate, this risk. Check the protocol page for audit history.

• Depeg risk

  The pool is built on stablecoins. A depeg of any underlying asset would impact returns and principal.

• Yield variability

  Current APY is 2.40%; 30-day mean is 1.36%. Yields can change as TVL and incentive emissions change.

• DefiLlama yield prediction

  DefiLlama's model classifies this pool's yield as "Stable/Up" with 60% confidence based on historical patterns.

These notes are derived from the pool's structured data, not editorial advice. See our methodology.