Three windows, side by side
Concrete USDT’s 1D, 7D and 30D APY on one axis starting at zero. Differences are shown in percentage points (pp). A move from 8.00% to 8.20% is +0.20 pp; calling it a “2.5% increase” would overstate it.
Source: DeFiLlama Yields · awaiting data
- APY Spread (max − min)
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- 30D vs 7D
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- 7D vs 1D
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Highest minus lowest of the three windows.
30D APY minus 7D APY.
7D APY minus 1D APY.
Each window answers a different question
An APY window annualizes yield that has already been observed over a period. It describes the past. It does not guarantee a forward return.
Highly sensitive
Reflects the most recent day. It reacts quickly to utilization shifts, funding-rate moves, rebalancing and one-off events, so it is the noisiest of the three.Smoother short term
Averages about a week of observations. Single-day spikes carry less weight, but it still responds to changes within the same month.Broader recent performance
Covers about a month of observations. It is slow to react, so it can lag a real change in underlying conditions.Measurement, not a promise
1D, 7D and 30D APY are backward-looking, annualized measurements of historical yield behavior. None of them is a quote, a target or a guaranteed forward return. Future yield depends on market conditions that have not happened yet.
USDT strategies across DeFi
Comparable USDT pools indexed by DeFiLlama Yields, with all three windows computed the same way from each pool’s daily history. Rows are in alphabetical order after Concrete. This is not a ranking. Pools without enough history show “Insufficient history”; no values are estimated.
| Protocol | Vault | Asset | 1D APY | 7D APY | 30D APY | TVL | Data quality / reputation |
|---|---|---|---|---|---|---|---|
| Loading live data… | |||||||
Source: DeFiLlama Yields · selection rule and windows described in Methodology.
How far apart are the windows?
APY Dispersion = max(1D, 7D, 30D) − min(1D, 7D, 30D), in percentage points. It measures how consistent the recent measurements are with each other. It is not a risk score, and low dispersion is not a safety signal.
Concrete USDT · Measurement Consistency
Source: DeFiLlama Yields · awaiting data
What the label means
Low dispersion: recent windows agree closely. Moderate: some drift between short and long windows. High: recent yield differs meaningfully from the monthly picture. None of these labels says anything about the safety of principal.
Dispersion across compared pools
| Pool | Dispersion | |
|---|---|---|
| Loading… | ||
Alphabetical order. Only pools with all three windows available are shown.
A flat line can hide real risk
A stable APY describes how the return has behaved. It does not describe what could happen to the principal. Every risk below can coexist with a perfectly steady APY series.
Smart-contract risk
Bugs or exploits in the vault, the strategies or the underlying protocols do not appear in a yield chart until they happen.
Liquidity risk
Exiting at size can depend on market depth and on the liquidity of the underlying venues.
Strategy risk
Allocation decisions, hedging and rebalancing can fail or behave differently under stress.
Counterparty risk
Exposure to venues, custodians, curators or other operators the strategy relies on.
Asset / peg risk
USDT is a stablecoin. Its peg and its issuer are separate risks from the vault’s yield.
Withdrawal constraints
Queues, lockups or delays can apply. Week 7 recorded a 21-day withdrawal queue on the Concrete WBTC vault, and terms vary by vault.
Changing market conditions
Borrow demand, funding rates and incentives change, and past consistency does not carry forward automatically.
Measurement risk
Averaging windows smooth data by design. A smoothed series can look calmer than the underlying positions.
This dashboard does not rate safety.
Nothing on this page, including “Measurement Consistency,” the dispersion bands or the market table, is a safety rating, a risk score or a recommendation. Read APY stability as a description of past yield measurements only.
Scale and observed yield
Each bubble is one pool from the comparison table. The x-axis is TVL on a log scale, the y-axis is 30D APY and bubble area is proportional to TVL. Color shows the pool category. Concrete USDT has a yellow ring. The chart shows the relationship between scale and observed yield; it does not rank protocols.
Source: DeFiLlama Yields · 30D APY = mean of daily APY over trailing 30 days · per-pool timestamps in tooltip.
Concrete USDT, trailing 30 days
Daily observations for the Concrete USDT pool, ending at the latest available observation and capped at the end of this edition’s reporting week (September 30, 2026, 23:59 UTC). Toggle between APY and TVL; each has its own view and there is no dual axis.
View data table
| Date (UTC) | APY | 7D rolling avg | TVL |
|---|
Source: DeFiLlama Yields · awaiting data
The interesting number isn’t the APY. It’s the gap between the APYs.
When the 1D, 7D and 30D measurements converge, recent observed yield has been relatively consistent across those windows. Day-to-day noise, the past week and the past month all describe roughly the same rate.
Live reading: awaiting data.
That is a statement about the past. It says nothing about smart-contract, liquidity, strategy, counterparty or peg risk, and it does not tell you what next month’s yield will be.
Consistency is descriptive, not predictive.How every number on this page is produced
| Metric | Definition | Measurement window | Source | Timestamp |
|---|---|---|---|---|
| 1D APY | APY of the latest daily observation (base + reward, as indexed) | 1 day | DeFiLlama Yields /chart/{pool} | — |
| 7D APY | Arithmetic mean of daily APY observations in the trailing 7 days (≥ 5 observations required) | 7 days, trailing | DeFiLlama Yields /chart/{pool} | — |
| 30D APY | Arithmetic mean of daily APY observations in the trailing 30 days (≥ 20 observations required) | 30 days, trailing | DeFiLlama Yields /chart/{pool} | — |
| TVL | USD TVL of the latest daily observation | Point-in-time | DeFiLlama Yields /chart/{pool} | — |
| APY Spread / Dispersion | max(1D, 7D, 30D) − min(1D, 7D, 30D), in percentage points | Derived from the three windows | Calculated on this page | — |
| 7D rolling average | For each day, mean of daily APY in the preceding 7 days (≥ 5 observations) | 7 days, rolling | Calculated on this page | — |
- Live, not hardcoded. Values are retrieved in your browser from DeFiLlama’s public Yields API every time the page loads. “Data as of” is the timestamp of the latest daily observation, and “Retrieved” is when your browser fetched it (both UTC).
- Reporting week in progress. The edition covers September 24–30, 2026. Observations after September 30, 2026, 23:59 UTC are excluded, and no data is shown for days that have not yet been observed.
- No mixed labels. Every figure is labeled 1D, 7D or 30D. This edition does not show spot or “current” APY. The 7D and 30D values here are DeFiLlama-derived means and can differ from the 7D or 30D APY shown in the Concrete app, which uses Concrete’s own methodology.
- Pool selection. USDT-denominated pools (symbol exactly “USDT”) from the listed protocols with at least $1M TVL. For each protocol, the largest pools by TVL at retrieval time are included, up to 15 rows. Selection by TVL is an inclusion rule, not a ranking.
- Failure handling. If the source is unreachable or a pool lacks history, the page shows “Not available” or “Insufficient history” instead of estimating.
- Cross-reference. Week 7 recorded Concrete USDT at 8.32% current APY, 8.20% 7D APY and $29.8M TVL on Concrete Earn, as of September 22, 2026. That is a different source and a different measurement type, kept here as historical context only.
- Research context only. It is not investment advice or a recommendation. APY is variable and not guaranteed.
DeFiLlama Yields
Independent aggregator of on-chain pool APY and TVL. It supplies every live figure on this page. defillama.com/yields ↗
Concrete
Primary vault pages and documentation for vault terms, strategy description and Concrete’s own APY displays. app.concrete.xyz/earn ↗ · docs ↗
vaults.fyi & underlying protocols
Cross-reference for vault-level data, plus Aave, Morpho, Yearn, Spark, Fluid and other protocol pages for market context. vaults.fyi ↗