TheoriqAI Gold Vault records 3.92% net APY on Celo, topping all onchain gold vaults for XAUt0 holders via Featherlend.

Base neobank deploys fiat-to-stable on/off-ramps, DeFi yields and Gnosis Pay cards via EIP-7702 account abstraction and Privy wallets in one week.

According to the source, a revised draft of the U.S. CLARITY Act allows stablecoin rewards tied to payments, staking services, and wallet usage while banning interest paid solely for passively holding tokens (source: U.S. Congress draft text, Jan 2026). For traders, the draft clarifies that compliant yield structures are activity-based rather than savings-like interest on idle stablecoin balances, affecting exchange, wallet, and DeFi program design if enacted (source: U.S. Congress draft text, Jan 2026). Under the draft, platforms would need to structure incentives around user actions and discontinue passive interest for simple holding to meet compliance upon enactment (source: U.S. Congress draft text, Jan 2026). Trading takeaway: prioritize activity-driven rewards over passive stablecoin interest when evaluating yield opportunities and monitor issuer and platform policy updates aligned to the draft’s requirements (source: U.S. Congress draft text, Jan 2026).

According to @thedaoofwei, citing an X post by Omid Malekan, JPMorgan reported $25B in net interest income in its latest earnings, and the post argues that the claim that interest-paying stablecoins harm lending is false; source: twitter.com/thedaoofwei/status/2011119679318933984, x.com/malekanoms/status/2011076407917506843. The post centers on the trade-relevant debate between bank net interest income and interest-bearing stablecoins, highlighting a narrative that favors stablecoin yields within crypto market discussions; source: twitter.com/thedaoofwei/status/2011119679318933984.

According to the source, World Liberty Financial launched a borrowing and lending protocol on Monday aimed at bolstering the utility of its USD1 stablecoin, including expanding use cases and potential liquidity pathways for USD1 pairs (source: user-provided social post dated Jan 12, 2026).

According to @EmberCN, Bitget has launched a new on-chain earn product offering real-time APYs of 11.55% for USDC and 7.68% for USDT, with a $5 million deposit cap per account. According to @EmberCN, the product is flexible with on-demand deposits and withdrawals and emphasizes strong transparency. According to @EmberCN, based on the quoted APYs, the simple daily yield equivalents are approximately 0.0316% for USDC and 0.0210% for USDT, framing the short-term return profile for stablecoin allocations.

According to @CoinMarketCap, a new XRP yield product called earnXRP has launched on Flare Network, targeting 4%-10% returns by allocating capital to on-chain strategies including staking and liquidity provision. Source: @CoinMarketCap.

According to @ag_dwf, since the October 10 flash crash, Falcon Finance’s total value locked has doubled while its yields remain among the best in the industry, source: @ag_dwf on X, Dec 9, 2025. For trading decisions, this reported combination of rising TVL and high yields flags Falcon Finance as a DeFi yield venue to monitor for liquidity and rate stability, source: @ag_dwf on X, Dec 9, 2025.

According to @iampaulgrewal, it is inconsistent to both criticize stablecoin issuers for not paying yield and simultaneously work to prevent them from paying yield, source: @iampaulgrewal on X, Dec 8, 2025. The statement focuses on whether stablecoin holders should be able to receive yield from issuers, source: @iampaulgrewal on X, Dec 8, 2025.

According to @Nick_van_Eck, Agora is partnering with @hizonpm and the Mu team to launch institutional-grade onchain credit products with stated capacity in the billions, indicating large-scale credit liquidity entering DeFi rails (source: @Nick_van_Eck on X). The announcement specifies product type (institutional onchain credit) and scale (“capacity in the billions”), which traders can monitor for effects on DeFi credit spreads, stablecoin utilization, and yield opportunities upon launch disclosures (source: @Nick_van_Eck on X). Near-term trading focus includes tracking the launch for details on chain selection, pool structure and tranching, underwriting standards, target APYs, and access controls to assess risk-adjusted returns and liquidity depth (source: @Nick_van_Eck on X).

According to @CoinMarketCap, R25 launched an on-chain stablecoin and real-world asset RWA platform that introduces yield-bearing stablecoins backed by traditional financial instruments, with Polygon as the first blockchain partner; source: @CoinMarketCap. This confirms a new yield-bearing stablecoin option available on Polygon’s DeFi infrastructure; source: @CoinMarketCap.

According to @ag_dwf, a live X discussion is underway on how Falcon Finance and xStocks are unlocking crypto-native yields for traditional finance assets and driving product innovation, with the session referenced by FalconStable’s post at x.com/FalconStable/status/1988954852643504388 (source: @ag_dwf on X; source: FalconStable on X).