Earn Stablecoin Yields on Sui Lending: Navi vs Others 5-6% APY Strategies

In the fast-paced world of Sui DeFi yield farming, stablecoin yields stand out for their reliability amid volatility. With SUI trading at $1.12 – down 1.75% over the last 24 hours – parking your USDC or USDT in lending protocols like Navi, Suilend, and Scallop delivers consistent 5-6% APYs without chasing high-risk plays. These Sui stablecoin yields beat traditional savings and even outpace Ethereum’s 6.3% average, thanks to Sui’s object-centric design that slashes fees and boosts efficiency. As someone who’s swing traded Sui assets for years, I favor these low-risk setups for compounding quietly while eyeing multi-day momentum in SUI.

Navi Protocol USDC Supply: Your Anchor for 5.5-6% APY

Navi Protocol leads in Sui lending stablecoins, offering overcollateralized lending where supplying USDC nets steady 5.5-6% APY. TVL sits at $16.2 million, signaling strong liquidity and borrower demand. The strategy is straightforward: deposit USDC directly into Navi for low-risk yields, sweetened by native Sui rewards that accrue alongside interest. No leverage needed; just supply and watch compounding work. In fragmented markets, Navi’s isolated pools minimize spillover risks, a feature I’ve relied on during rate swings. Current data shows USDC supply APY hovering at 5.6%, ideal for conservative portfolios seeking Navi Protocol stable APY.

NAVI offers overcollateralized lending/borrowing for SUI, USDC, USDT, wETH and wBTC and supports features like isolated pool, flash loan.

This beats manual hopping between protocols, as users avoid constant monitoring. Pair it with SUI’s low gas costs, and your net returns shine brighter than on congested chains.

Suilend USDT Lending: Incentives Boost ~5.2% Base Yield

Shifting to Suilend USDT lending, suppliers tap pools yielding ~5.2% APY, amplified by SUI token incentives that can push effective returns higher during reward epochs. With 75.8% of AUSD already deposited here at 11.19% APR, USDT follows suit for similar stability. The play: supply USDT to Suilend pools, earn base yield plus incentives distributed in SUI – currently at $1.12. This setup rewards patience, as incentives vest over time, aligning with swing trading’s multi-day holds. I’ve seen these boosts add 1-2% extra during peak liquidity events, making it a top pick for best Sui lending 2026.

Risks stay contained with overcollateralization ratios above 150%, and Sui’s parallel execution prevents cascading liquidations common elsewhere. Compared to Navi, Suilend edges on incentives but trades slightly lower base APY – a worthwhile swap if you’re bullish on SUI rewards.

Scallop Stablecoin Vault: Auto-Compounding Across Markets

Scallop’s stablecoin vault takes optimization further, auto-compounding USDC/USDT for 5-6% yields by navigating fragmented Sui markets. Deposit into the vault, and it cycles assets intelligently – think USDY in lender pools earning native Treasury APR, then borrowing higher-APR stables for reinvestment. This modular approach sidesteps manual management, a pain point in Sui DeFi where protocols like Navi, Suilend, and Scallop vary daily. Yields average network highs of 7.09%, but the vault targets steady 5-6% with amplified efficiency.

In my view, Scallop suits yield farmers wanting hands-off execution; auto-compounding captures spreads without babysitting. Pair with diversification – say 40% Navi, 30% Suilend, 30% Scallop – and you’ve built a resilient Sui DeFi yield farming portfolio.