★ Score sheet10 servicesLast updated · July 2026

Best DeFi Yield Aggregators — July 2026

Yield aggregators deposit user funds into complex DeFi strategies — auto-compounding LP positions, farming rewards, rebalancing across venues — packaged as one-click vault products. Leaders include Pendle (yield-token trading), Spark Savings, Convex Finance, and Beefy.

Curated by Chelsea Crawford · Security & Self-Custody Correspondent

Services scored

ranked & reviewed

Average score

6.2

across all entries

Top contender

Pendle

8.3 / 10

Refreshed

July 2026

re-tested monthly

At a glance

The best defi yield aggregators — july 2026 compared

Side-by-side rankings of the top contenders. Tap any row to jump to the full breakdown below.

10 entries

#	Service	Best for	Score	TVL	Category rank	Review
🥇	Pendle	Users prioritising battle-tested infrastructure with deep capital — the safest option in yield aggregators for meaningful positions.	8.3	$1.16B	#1	Review →
🥈	Convex Finance	Users with specific requirements Convex Finance meets — verify the underlying data before committing capital.	7.5	$499.49M	#3	Review →
🥉	Spark Savings	Cross-chain DeFi users who want the same protocol accessible from many networks.	7.3	$1.11B	#2	Review →
#4	Yearn Finance	Users with specific requirements Yearn Finance meets — verify the underlying data before committing capital.	6.7	$147.43M	#6	Review →
#5	CIAN Yield Layer	Cross-chain DeFi users who want the same protocol accessible from many networks.	6.3	$290.96M	#4	Review →
#6	Stake DAO	Users with specific requirements Stake DAO meets — verify the underlying data before committing capital.	6.3	$114.81M	#8	Review →
#7	Beefy	Users with specific requirements Beefy meets — verify the underlying data before committing capital.	5.8	$111.10M	#9	Review →
#8	Huma Finance V2	Users with specific requirements Huma Finance V2 meets — verify the underlying data before committing capital.	5.6	$200.68M	#5	Review →
#9	Fluid Lite	Users with specific requirements Fluid Lite meets — verify the underlying data before committing capital.	4.5	$145.52M	#7	Review →
#10	Exponent Yield Exchange	Users with specific requirements Exponent Yield Exchange meets — verify the underlying data before committing capital.	3.4	$109.42M	#10	Review →

Narrow your shortlist

Filter by use case

10 of 10

All Beginners Security Derivatives DeFi

Deep dive

In-depth reviews

Full criteria breakdown for each service. Click through to the dedicated review for the long-form analysis.

Pendle

Best forUsers prioritising battle-tested infrastructure with deep capital — the safest option in yield aggregators for meaningful positions.

Overall

8.3

Score breakdown

TVL

10.0

Battle-tested

8.0

Chain coverage

10.0

Revenue efficiency

3.0

Category leadership

10.0

Momentum

8.0

+Why these scores

TVL · 10.0/10: TVL of $1.16B — top-tier in the category. Institutional-grade capital depth.
Battle-tested · 8.0/10: Deployed 4 years ago — has survived the 2022 crypto winter and FTX contagion.
Chain coverage · 10.0/10: Deployed on 12 chains — the widest coverage in the category, meaning users have access from nearly any network.
Revenue efficiency · 3.0/10: Annualised fee/TVL ratio below 1% — the protocol is heavily incentives-driven rather than fee-earning.
Category leadership · 10.0/10: Ranked #1 in the category by TVL — market-leading position.
Momentum · 8.0/10: +9.9% TVL over 7 days — solid inflows.

▲ Pros

TVL (10/10): TVL of $1.16B — top-tier in the category
Battle-tested (8/10): Deployed 4 years ago — has survived the 2022 crypto winter and FTX contagion
Chain coverage (10/10): Deployed on 12 chains — the widest coverage in the category, meaning users have access from nearly any network
Category leadership (10/10): Ranked #1 in the category by TVL — market-leading position
Momentum (8/10): +9.9% TVL over 7 days — solid inflows

▼ Cons

Revenue efficiency (3/10 — major concern): Annualised fee/TVL ratio below 1% — the protocol is heavily incentives-driven rather than fee-earning

TVL$1.16BCategory rank#1Chains127d TVL change+9.89%Age~4 yearsPrimary chainEthereum

Full review Visit site

Convex Finance

Best forUsers with specific requirements Convex Finance meets — verify the underlying data before committing capital.

Overall

7.5

Score breakdown

TVL

8.0

Battle-tested

10.0

Chain coverage

6.0

Revenue efficiency

5.0

Category leadership

9.0

Momentum

5.0

+Why these scores

TVL · 8.0/10: TVL of $499.49M — established scale within the top decile of DeFi protocols.
Battle-tested · 10.0/10: Deployed 5+ years ago — has survived multiple full crypto cycles including the 2022 bear market.
Chain coverage · 6.0/10: Deployed on 4 chains — meaningful cross-chain reach but not comprehensive.
Revenue efficiency · 5.0/10: Annualised fee/TVL ratio of 1.6% — low revenue relative to capital committed.
Category leadership · 9.0/10: Ranked #3 in the category by TVL — top-3 protocol.
Momentum · 5.0/10: -0.1% TVL over 7 days — mild outflows in line with sector movement.

▲ Pros

TVL (8/10): TVL of $499.49M — established scale within the top decile of DeFi protocols
Battle-tested (10/10): Deployed 5+ years ago — has survived multiple full crypto cycles including the 2022 bear market
Category leadership (9/10): Ranked #3 in the category by TVL — top-3 protocol

▼ Cons

Chain coverage (6/10): Deployed on 4 chains — meaningful cross-chain reach but not comprehensive
Revenue efficiency (5/10): Annualised fee/TVL ratio of 1.6% — low revenue relative to capital committed
Momentum (5/10): -0.1% TVL over 7 days — mild outflows in line with sector movement

TVL$499.49MCategory rank#3Chains47d TVL change-0.13%Age~5 yearsPrimary chainEthereum

Full review Visit site

Spark Savings

Best forCross-chain DeFi users who want the same protocol accessible from many networks.

Overall

7.3

Score breakdown

TVL

9.0

Battle-tested

6.0

Chain coverage

8.0

Revenue efficiency

5.0

Category leadership

9.0

Momentum

6.0

+Why these scores

TVL · 9.0/10: TVL of $1.11B — top-tier in the category. Institutional-grade capital depth.
Battle-tested · 6.0/10: Deployed 2 years ago — moderate track record without a full cycle test yet.
Chain coverage · 8.0/10: Deployed on 8 chains — solid multi-chain coverage across major L1s and L2s.
Revenue efficiency · 5.0/10: Revenue-to-TVL efficiency not measurable from public fee data.
Category leadership · 9.0/10: Ranked #2 in the category by TVL — top-3 protocol.
Momentum · 6.0/10: +1.8% TVL over 7 days — flat-to-positive; steady state.

▲ Pros

TVL (9/10): TVL of $1.11B — top-tier in the category
Chain coverage (8/10): Deployed on 8 chains — solid multi-chain coverage across major L1s and L2s
Category leadership (9/10): Ranked #2 in the category by TVL — top-3 protocol

▼ Cons

Battle-tested (6/10): Deployed 2 years ago — moderate track record without a full cycle test yet
Revenue efficiency (5/10): Revenue-to-TVL efficiency not measurable from public fee data
Momentum (6/10): +1.8% TVL over 7 days — flat-to-positive; steady state

TVL$1.11BCategory rank#2Chains87d TVL change+1.76%Age~2 yearsPrimary chainEthereum

Full review Visit site

Yearn Finance

Best forUsers with specific requirements Yearn Finance meets — verify the underlying data before committing capital.

Overall

6.7

Score breakdown

TVL

5.0

Battle-tested

10.0

Chain coverage

8.0

Revenue efficiency

6.0

Category leadership

6.0

Momentum

5.0

+Why these scores

TVL · 5.0/10: TVL of $147.43M — meaningful capital base, though not top-quartile.
Battle-tested · 10.0/10: Deployed 6+ years ago — has survived multiple full crypto cycles including the 2022 bear market.
Chain coverage · 8.0/10: Deployed on 7 chains — solid multi-chain coverage across major L1s and L2s.
Revenue efficiency · 6.0/10: Annualised fee/TVL ratio of 5.3% — modest but real revenue relative to capital.
Category leadership · 6.0/10: Ranked #6 in the category — top-10 by TVL.
Momentum · 5.0/10: -1.0% TVL over 7 days — mild outflows in line with sector movement.

▲ Pros

Battle-tested (10/10): Deployed 6+ years ago — has survived multiple full crypto cycles including the 2022 bear market
Chain coverage (8/10): Deployed on 7 chains — solid multi-chain coverage across major L1s and L2s

▼ Cons

TVL (5/10): TVL of $147.43M — meaningful capital base, though not top-quartile
Revenue efficiency (6/10): Annualised fee/TVL ratio of 5.3% — modest but real revenue relative to capital
Category leadership (6/10): Ranked #6 in the category — top-10 by TVL
Momentum (5/10): -1.0% TVL over 7 days — mild outflows in line with sector movement

TVL$147.43MCategory rank#6Chains77d TVL change-0.98%Age~6 yearsPrimary chainEthereum

Full review Visit site

CIAN Yield Layer

Best forCross-chain DeFi users who want the same protocol accessible from many networks.

Overall

6.3

Score breakdown

TVL

7.0

Battle-tested

6.0

Chain coverage

8.0

Revenue efficiency

3.0

Category leadership

8.0

Momentum

6.0

+Why these scores

TVL · 7.0/10: TVL of $290.96M — established scale within the top decile of DeFi protocols.
Battle-tested · 6.0/10: Deployed 2 years ago — moderate track record without a full cycle test yet.
Chain coverage · 8.0/10: Deployed on 7 chains — solid multi-chain coverage across major L1s and L2s.
Revenue efficiency · 3.0/10: Annualised fee/TVL ratio below 1% — the protocol is heavily incentives-driven rather than fee-earning.
Category leadership · 8.0/10: Ranked #4 in the category — top-5 by TVL, materially larger than the long tail.
Momentum · 6.0/10: +1.6% TVL over 7 days — flat-to-positive; steady state.

▲ Pros

Chain coverage (8/10): Deployed on 7 chains — solid multi-chain coverage across major L1s and L2s
Category leadership (8/10): Ranked #4 in the category — top-5 by TVL, materially larger than the long tail

▼ Cons

TVL (7/10 — noticeable weakness): TVL of $290.96M — established scale within the top decile of DeFi protocols
Battle-tested (6/10): Deployed 2 years ago — moderate track record without a full cycle test yet
Revenue efficiency (3/10 — major concern): Annualised fee/TVL ratio below 1% — the protocol is heavily incentives-driven rather than fee-earning
Momentum (6/10): +1.6% TVL over 7 days — flat-to-positive; steady state

TVL$290.96MCategory rank#4Chains77d TVL change+1.59%Age~2 yearsPrimary chainEthereum

Full review Visit site

Stake DAO

Best forUsers with specific requirements Stake DAO meets — verify the underlying data before committing capital.

Overall

6.3

Score breakdown

TVL

3.0

Battle-tested

10.0

Chain coverage

10.0

Revenue efficiency

3.0

Category leadership

6.0

Momentum

8.0

+Why these scores

TVL · 3.0/10: TVL of $114.81M — thin capital base by peer standards, which affects fee revenue and depth on any single position.
Battle-tested · 10.0/10: Deployed 5+ years ago — has survived multiple full crypto cycles including the 2022 bear market.
Chain coverage · 10.0/10: Deployed on 10 chains — the widest coverage in the category, meaning users have access from nearly any network.
Revenue efficiency · 3.0/10: Annualised fee/TVL ratio below 1% — the protocol is heavily incentives-driven rather than fee-earning.
Category leadership · 6.0/10: Ranked #8 in the category — top-10 by TVL.
Momentum · 8.0/10: +7.8% TVL over 7 days — solid inflows.

▲ Pros

Battle-tested (10/10): Deployed 5+ years ago — has survived multiple full crypto cycles including the 2022 bear market
Chain coverage (10/10): Deployed on 10 chains — the widest coverage in the category, meaning users have access from nearly any network
Momentum (8/10): +7.8% TVL over 7 days — solid inflows

▼ Cons

TVL (3/10 — major concern): TVL of $114.81M — thin capital base by peer standards, which affects fee revenue and depth on any single position
Revenue efficiency (3/10 — major concern): Annualised fee/TVL ratio below 1% — the protocol is heavily incentives-driven rather than fee-earning
Category leadership (6/10): Ranked #8 in the category — top-10 by TVL

TVL$114.81MCategory rank#8Chains107d TVL change+7.81%Age~5 yearsPrimary chainEthereum

Full review Visit site

Methodology

How we rate best defi yield aggregators — july 2026

What are yield aggregators?

Top-scored yield aggregators in July 2026

The three highest-scoring yield aggregators on our composite methodology this month:

1. Pendle — 8.35/10

Users prioritising battle-tested infrastructure with deep capital — the safest option in yield aggregators for meaningful positions.

2. Convex Finance — 7.45/10

Users with specific requirements Convex Finance meets — verify the underlying data before committing capital.

3. Spark Savings — 7.35/10

Cross-chain DeFi users who want the same protocol accessible from many networks.

How to choose the right yield aggregator

For principal-protected yield on stablecoins, Pendle offers fixed-rate yield-token exposure. For simple USDS savings, Spark Savings integrates directly with the Sky ecosystem. For Curve LP boosting, Convex is the classic aggregator. For multi-chain retail strategies, Beefy covers dozens of chains.

What can go wrong

Yield aggregators inherit the risk of every underlying protocol they interact with. If any dependency exploits, the vault loses funds. Longer operating history means more accumulated confidence — Yearn, Beefy, and Convex have all operated through multiple cycles without major aggregator-layer losses.

How we score yield aggregators

Yield aggregators are scored on six criteria from DefiLlama's public API — TVL, protocol age, chain coverage, revenue efficiency, category leadership, and 7-day momentum. No affiliate arrangement influences the ranking.

The criteria

TVL (weight: 30%)

Percentile vs top-10 in category. Source: DefiLlama /protocols.

Battle-tested (weight: 20%)

Years since major-version deployment. Source: DefiLlama + editorial lookup.

Chain coverage (weight: 15%)

Number of chains deployed. Source: DefiLlama /protocols.

Revenue efficiency (weight: 15%)

Annualised 30d fees / TVL. Source: DefiLlama /overview/fees.

Category leadership (weight: 10%)

Rank within category by TVL. Source: DefiLlama /protocols.

Momentum (weight: 10%)

7-day TVL change bucketed. Source: DefiLlama /protocols.

Update cadence

Auto-refreshed monthly.

Related rankings on Crypto Compass News

FAQ

Frequently asked

What is the best yield aggregator in 2026?

Our current top-scored yield aggregator is [Pendle](/reviews/pendle/) at 8.35/10 on our composite methodology. Runner-ups: [Convex Finance](/reviews/convex-finance/) at 7.45/10 and [Spark Savings](/reviews/spark-savings/) at 7.35/10. See the ranking above for per-criterion scores.

How are yield aggregators ranked on this page?

Every entry is scored on 6 criteria: tvl (30%), battle-tested (20%), chain coverage (15%), revenue efficiency (15%), category leadership (10%), momentum (10%). All criteria are computed from public data sources — no manual reordering, no affiliate influence. The composite is a weighted average of all criteria, capped at 10.

Are these yield aggregators rankings influenced by affiliate deals?

No. Every score is computed from published data. No entry can pay for placement; external links are informational and we do not receive commission for any placement.

How often is this yield aggregators ranking updated?

Auto-refreshed monthly.

What is the difference between a yield aggregator and a lending protocol?

A lending protocol (Aave, Compound) directly matches suppliers to borrowers and pays interest from spread. A yield aggregator ([Yearn](/reviews/yearn-finance/), Beefy) deposits your funds INTO lending protocols (and other yield sources) and auto-compounds the returns for you. Aggregators charge a management fee (typically 0.5-2% + performance fee) on top of the underlying yield.

Are yield aggregator APYs sustainable?

Depends on the source. Real fee-based yield (from actual trading fees, borrower interest, etc.) is sustainable indefinitely. Token-emission-based yield (protocol paying you in its own governance token) is not — as emissions decline or token price falls, headline APY collapses. Check the "base APY" separately from "reward APY" on tools like DefiLlama.

Can I lose money in a yield aggregator?

Yes, in three ways: (1) smart contract exploit on the aggregator itself, (2) exploit on any underlying protocol the aggregator uses (Cream 2021, Euler 2023), (3) impermanent loss if the strategy involves LP positions. Well-audited aggregators with multi-year track records ([Yearn](/reviews/yearn-finance/), [Convex](/reviews/convex-finance/)) are safer defaults than new entrants.

Explore more

Other rankings

Best Stablecoins — July 2026

10 services

Best Crypto Bridges — July 2026

10 services

Best Liquid Restaking Protocols (LRTs) — July 2026

10 services

Best Oracle Networks — July 2026

1 services

Best Perpetual Futures DEXs — July 2026

10 services

Best Liquid Staking Protocols — July 2026

10 services

Best Decentralized Exchanges (DEXs) — July 2026

10 services

Longest-Running Crypto Exchanges — July 2026

0 services

Top Exchange Tokens by Market Cap — July 2026

0 services

Top Privacy Coins by Market Cap — July 2026

0 services

Top GameFi Tokens by Market Cap — July 2026

0 services

Top AI Cryptocurrency Tokens by Market Cap — July 2026

0 services

Top Meme Coins by Market Cap — July 2026

0 services

Top Stablecoins by Market Cap — July 2026

0 services

Top DeFi Tokens by Market Cap — July 2026

0 services

Top Layer 1 Cryptocurrencies by Market Cap — July 2026

0 services

Top NFT Marketplaces — July 2026

0 services

Top BNB Chain DeFi Protocols — July 2026

0 services

Top App-chains — July 2026

0 services