Answers · Minimum & access
Which real-world-asset and yield tokens can I buy without KYC, using only a self-custody wallet?
Short answer
43 tokens without a KYC gate on the secondary market in our data state a yield. The highest right now is Pendle — PT-reUSDe-10DEC2026 (fixed rate to 2026-12-10) on Ethereum at 18.59% (fixed to 2026-12-10, DefiLlama 2026-10-19). The range runs from 0.71% (scrvUSD) to 18.59%. Yields are variable and not guaranteed.
KYC is three gates, not one: to mint with the issuer, to buy on a secondary market, and to redeem. This list shows tokens whose secondary-market gate is open — you can buy them on a decentralised exchange with a self-custody wallet. Minting or redeeming may still need KYC, and an issuer can still restrict who may hold the token.
How this list is made: computed from the live TokenBank dataset each time the page is built — 61 matching rows, each linked to its own page and source.
Figures from our live dataset · data as of 2026-10-19 · this answer as JSON · not investment advice
| Token | Issuer | Yield / return | Minimum | KYC to buy | Chain |
|---|---|---|---|---|---|
| DL-PENDLEV2-REUSDE-ETHEREUM-2C9D Pendle — PT-reUSDe-10DEC2026 (fixed rate to 2026-12-10) on Ethereum | Pendle (protocol) | 18.59% (fixed to 2026-12-10, DefiLlama 2026-10-19) checked 19 Oct 2026 | None | No KYC on a DEX | Ethereum |
| DL-PENDLEV2-SUSDX-ETHEREUM-23A7 Pendle — PT-sUSDx-03DEC2026 (fixed rate to 2026-12-03) on Ethereum | Pendle (protocol) | 18.53% (fixed to 2026-12-03, DefiLlama 2026-10-19) checked 19 Oct 2026 | None | No KYC on a DEX | Ethereum |
| DL-PENDLEV2-APYUSD-ETHEREUM-9FE3 Pendle — PT-apyUSD-05NOV2026 (fixed rate to 2026-11-05) on Ethereum | Pendle (protocol) | 15.89% (fixed to 2026-11-05, DefiLlama 2026-10-19) checked 19 Oct 2026 | None | No KYC on a DEX | Ethereum |
| DL-PENDLEV2-USD3-ETHEREUM-B649 Pendle — PT-USD3-17DEC2026 (fixed rate to 2026-12-17) on Ethereum | Pendle (protocol) | 15.14% (fixed to 2026-12-17, DefiLlama 2026-10-19) checked 19 Oct 2026 | None | No KYC on a DEX | Ethereum |
| DL-PENDLEV2-USDX-ETHEREUM-B0B3 Pendle — PT-USDx-03DEC2026 (fixed rate to 2026-12-03) on Ethereum | Pendle (protocol) | 13.44% (fixed to 2026-12-03, DefiLlama 2026-10-19) checked 19 Oct 2026 | None | No KYC on a DEX | Ethereum |
| DL-PENDLEV2-SIUSD-ETHEREUM-28C5 Pendle — PT-siUSD-22OCT2026 (fixed rate to 2026-10-22) on Ethereum | Pendle (protocol) | 12.64% (fixed to 2026-10-22, DefiLlama 2026-10-19) checked 19 Oct 2026 | None | No KYC on a DEX | Ethereum |
| DL-PENDLEV2-SIERRA-ETHEREUM-B01F Pendle — PT-SIERRA-22OCT2026 (fixed rate to 2026-10-22) on Ethereum | Pendle (protocol) | 12.42% (fixed to 2026-10-22, DefiLlama 2026-10-19) checked 19 Oct 2026 | None | No KYC on a DEX | Ethereum |
| DL-PENDLEV2-REUSD-ETHEREUM-7ABA Pendle — PT-reUSD-10DEC2026 (fixed rate to 2026-12-10) on Ethereum | Pendle (protocol) | 12.11% (fixed to 2026-12-10, DefiLlama 2026-10-19) checked 19 Oct 2026 | None | No KYC on a DEX | Ethereum |
| DL-PENDLEV2-STRUSD-ETHEREUM-5768 Pendle — PT-strUSD-26NOV2026 (fixed rate to 2026-11-26) on Ethereum | Pendle (protocol) | 11.57% (fixed to 2026-11-26, DefiLlama 2026-10-19) checked 19 Oct 2026 | None | No KYC on a DEX | Ethereum |
| DL-PENDLEV2-SIUSD-ETHEREUM-0757 Pendle — PT-siUSD-07JAN2027 (fixed rate to 2027-01-07) on Ethereum | Pendle (protocol) | 9.96% (fixed to 2027-01-07, DefiLlama 2026-10-19) checked 19 Oct 2026 | None | No KYC on a DEX | Ethereum |
| DL-PENDLEV2-SUSDAI-ARBITRUM-B44D Pendle — PT-sUSDai-25FEB2027 (fixed rate to 2027-02-25) on Arbitrum | Pendle (protocol) | 8.74% (fixed to 2027-02-25, DefiLlama 2026-10-19) checked 19 Oct 2026 | None | No KYC on a DEX | Arbitrum |
| DL-PENDLEV2-USDAT-ETHEREUM-C359 Pendle — PT-USDat-14JAN2027 (fixed rate to 2027-01-14) on Ethereum | Pendle (protocol) | 8.06% (fixed to 2027-01-14, DefiLlama 2026-10-19) checked 19 Oct 2026 | None | No KYC on a DEX | Ethereum |
| DL-PENDLEV2-MAPOLLO-ETHEREUM-43FB Pendle — PT-mAPOLLO-18MAR2027 (fixed rate to 2027-03-18) on Ethereum | Pendle (protocol) | 7.04% (fixed to 2027-03-18, DefiLlama 2026-10-19) checked 19 Oct 2026 | None | No KYC on a DEX | Ethereum |
| sUSDai usd.ai (staked) | usd.ai | ~6.24% (variable) checked 18 Oct 2026 | None | No KYC on a DEX | Arbitrum |
| DL-PENDLEV2-SRUSDE-ETHEREUM-1CE7 Pendle — PT-srUSDe-22OCT2026 (fixed rate to 2026-10-22) on Ethereum | Pendle (protocol) | 5.6% (fixed to 2026-10-22, DefiLlama 2026-10-19) checked 19 Oct 2026 | None | No KYC on a DEX | Ethereum |
| DL-PENDLEV2-SUSDD-ETHEREUM-714F Pendle — PT-sUSDD-26NOV2026 (fixed rate to 2026-11-26) on Ethereum | Pendle (protocol) | 5.45% (fixed to 2026-11-26, DefiLlama 2026-10-19) checked 19 Oct 2026 | None | No KYC on a DEX | Ethereum |
| DL-PENDLEV2-SUSDS-ETHEREUM-0A3E Pendle — PT-sUSDS-26NOV2026 (fixed rate to 2026-11-26) on Ethereum | Pendle (protocol) | 5.29% (fixed to 2026-11-26, DefiLlama 2026-10-19) checked 19 Oct 2026 | None | No KYC on a DEX | Ethereum |
| DL-PENDLEV2-AUSD-MONAD-653D Pendle — PT-AUSD-17DEC2026 (fixed rate to 2026-12-17) on Monad | Pendle (protocol) | 5.26% (fixed to 2026-12-17, DefiLlama 2026-10-19) checked 19 Oct 2026 | None | No KYC on a DEX | Monad |
| DL-PENDLEV2-SUSDE-MONAD-7985 Pendle — PT-sUSDe-22OCT2026 (fixed rate to 2026-10-22) on Monad | Pendle (protocol) | 5.25% (fixed to 2026-10-22, DefiLlama 2026-10-19) checked 19 Oct 2026 | None | No KYC on a DEX | Monad |
| syrupUSDC Maple Syrup USDC | Maple Finance | ~5.14% checked 18 Oct 2026 | None | No KYC on a DEX | Ethereum / Solana / Base |
| DL-PENDLEV2-SUSDE-PLASMA-194E Pendle — PT-sUSDe-22OCT2026 (fixed rate to 2026-10-22) on Plasma | Pendle (protocol) | 5.03% (fixed to 2026-10-22, DefiLlama 2026-10-19) checked 19 Oct 2026 | None | No KYC on a DEX | Plasma |
| DL-PENDLEV2-SUSDE-ETHEREUM-FC9A Pendle — PT-sUSDe-26NOV2026 (fixed rate to 2026-11-26) on Ethereum | Pendle (protocol) | 5.01% (fixed to 2026-11-26, DefiLlama 2026-10-19) checked 19 Oct 2026 | None | No KYC on a DEX | Ethereum |
| jitoSOL Jito Staked SOL | Jito | ~4.78% (in SOL, incl. MEV) checked 18 Oct 2026 | None | No KYC on a DEX | Solana |
| USD0++ Usual USD0++ | Usual | ~4.78% (T-bill base + USUAL rewards) checked 18 Oct 2026 | None | No KYC on a DEX | Ethereum |
| sUSDe Ethena Staked USDe | Ethena Labs | ~4.71% (variable) checked 18 Oct 2026 | None | No KYC on a DEX | Ethereum (+L2) |
| mSOL Marinade Staked SOL | Marinade | ~4.6% (in SOL) checked 18 Oct 2026 | None | No KYC on a DEX | Solana |
| sUSDf Falcon USDf (staked) | Falcon Finance | ~4.58% (variable) checked 18 Oct 2026 | None | No KYC on a DEX | Ethereum |
| JUP-LEND Jupiter Lend (USDC) | Jupiter (protocol) | ~4% (variable) checked 23 Jul 2026 · over 30 days old | None | No KYC on a DEX | Solana |
| USDD-JL JustLend USDD (Tron) | JustLend DAO (Tron) | ~4% (variable) checked 23 Jul 2026 · over 30 days old | None | No KYC on a DEX | Tron |
| sfrxUSD Staked Frax USD | Frax Finance | ~4.9% (~4-5%) checked 18 Oct 2026 | None | No KYC on a DEX | Ethereum / Fraxtal |
| sUSDS Sky Savings Token | Sky (MakerDAO) | ~3.8% checked 18 Oct 2026 | None | No KYC on a DEX | Ethereum (+Solana, Base) |
| AAVE-USDC Aave USDC Lending | Aave (protocol) | ~3.76% (variable) checked 18 Oct 2026 | None | No KYC on a DEX | Ethereum (+many L2s) |
| USDY Ondo US Dollar Yield | Ondo Finance | ~3.69% checked 18 Oct 2026 | ~$50 (secondary market) | No KYC on a DEX | Ethereum / Solana (+10) |
| SPARK Spark Savings | Spark (Sky ecosystem) | ~3.6% (variable) checked 23 Jul 2026 · over 30 days old | None | No KYC on a DEX | Ethereum / Arbitrum / Base |
| MORPHO Morpho Vaults (USDC) | Morpho (vaults by curators) | ~3.5-5% (net, largest USDC vaults; variable) checked 19 Oct 2026 | None | No KYC on a DEX | Ethereum / Base (+) |
| mTBILL Midas mTBILL | Midas | ~3.42% (tracks T-bills) checked 18 Oct 2026 | None | No KYC on a DEX | Ethereum (+L2s, Algorand) |
| CENTRIFUGE Centrifuge RWA Vaults | Centrifuge (vaults per manager) | ~3-6% (per vault, variable) checked 23 Jul 2026 · over 30 days old | None | No KYC on a DEX | Ethereum / Avalanche (+) |
| weETH ether.fi Staked ETH | ether.fi | ~2.27% (in ETH + restaking) checked 18 Oct 2026 | None | No KYC on a DEX | Ethereum (+L2s) |
| DL-PENDLEV2-WSTETH-ETHEREUM-97F2 Pendle — PT-wstETH-30DEC2027 (fixed rate to 2027-12-30) on Ethereum | Pendle (protocol) | 2.22% (fixed to 2027-12-30, DefiLlama 2026-10-19) checked 19 Oct 2026 | None | No KYC on a DEX | Ethereum |
| stETH Lido Staked ETH | Lido DAO | ~2.2% (in ETH) checked 18 Oct 2026 | None (any amount of ETH) | No KYC on a DEX | Ethereum (+L2s) |
| rETH Rocket Pool Staked ETH | Rocket Pool | ~1.98% (in ETH) checked 18 Oct 2026 | From ~0.01 ETH | No KYC on a DEX | Ethereum (+L2s) |
| sDAI Savings DAI | Sky (MakerDAO) | ~1.25% checked 18 Oct 2026 | None | No KYC on a DEX | Ethereum (+Gnosis, L2) |
| scrvUSD Curve Savings crvUSD | Curve Finance | ~0.71% (variable) checked 18 Oct 2026 | None | No KYC on a DEX | Ethereum |
| bCSPX Backed S&P 500 (bCSPX) | Backed Finance | Price + accumulating dividends | Fractional | No KYC on a DEX | Ethereum / Base (+) |
| lvlUSD Level lvlUSD | Level (Peregrine) | No current figure published | None | No KYC on a DEX | Ethereum |
| VNXAU VNX Gold | VNX (Liechtenstein) | 0% (store of value) | Fractional (~1g equivalent) | No KYC on a DEX | Ethereum / Polygon / Solana (+) |
| bZPR1 Backed $ ZPR1 1-3 Month T-Bill | Backed Finance | Yield accrues into the token price | — | No KYC on a DEX | Ethereum / Base (+6) |
| bGOOGL Backed Alphabet Inc | Backed Finance | Price return | — | No KYC on a DEX | Ethereum / Base (+5) |
| bCSBGC3 Backed CSBGC3 CHF Swiss Domestic Government Bond 0-3yr | Backed Finance | Yield accrues into the token price | — | No KYC on a DEX | Ethereum / Base (+5) |
| bCOIN Backed Coinbase Global | Backed Finance | Price return | — | No KYC on a DEX | Ethereum / Base (+7) |
| bERNA Backed ERNA $ Ultrashort Bond | Backed Finance | Yield accrues into the token price | — | No KYC on a DEX | Ethereum / Base (+6) |
| bERNX Backed ERNX € Ultrashort Bond | Backed Finance | Yield accrues into the token price | — | No KYC on a DEX | Ethereum / Base (+6) |
| bC3M Backed GOVIES 0-6 months EURO investment grade | Backed Finance | Yield accrues into the token price | — | No KYC on a DEX | Ethereum / Base (+6) |
| bGME Backed GameStop Corp | Backed Finance | Price return | — | No KYC on a DEX | Solana / Ethereum (+6) |
| bHIGH Backed HIGH € High Yield Corp Bond | Backed Finance | Yield accrues into the token price | — | No KYC on a DEX | Ethereum / Base (+6) |
| bIBTA Backed IBTA $ Treasury Bond 1-3yr | Backed Finance | Yield accrues into the token price | — | No KYC on a DEX | Ethereum / Base (+6) |
| bMSTR Backed MicroStrategy Inc | Backed Finance | Price return | — | No KYC on a DEX | Ethereum / Base (+5) |
| bMSFT Backed Microsoft Corp | Backed Finance | Price return | — | No KYC on a DEX | Ethereum / Base (+5) |
| bNVDA Backed NVIDIA Corp | Backed Finance | Price return | — | No KYC on a DEX | Ethereum / Base (+5) |
| bNIU Backed Niu Technologies | Backed Finance | Price return | — | No KYC on a DEX | Ethereum / Base (+6) |
| bTSLA Backed Tesla Inc | Backed Finance | Price return | — | No KYC on a DEX | Solana / Ethereum (+6) |
How to choose
No KYC to buy on a DEX means you hold the token in your own wallet and nobody checks who you are at purchase. It does not mean the issuer cannot freeze a wallet, and it does not settle whether you are allowed to hold the product where you live. If you might ever need to redeem with the issuer rather than sell on the market, check whether redemption requires KYC.
More questions
Which one has the lowest minimum?
sUSDai (usd.ai), with no minimum. The highest stated minimum here is USDY, with minimum ~$50 (secondary market).
Where does the yield of the top five come from?
DL-PENDLEV2-REUSDE-ETHEREUM-2C9D: Discount to face value — the yield REUSDE earns until maturity, sold upfront. DL-PENDLEV2-SUSDX-ETHEREUM-23A7: Discount to face value — the yield SUSDX earns until maturity, sold upfront. DL-PENDLEV2-APYUSD-ETHEREUM-9FE3: Discount to face value — the yield APYUSD earns until maturity, sold upfront. DL-PENDLEV2-USD3-ETHEREUM-B649: Discount to face value — the yield USD3 earns until maturity, sold upfront. DL-PENDLEV2-USDX-ETHEREUM-B0B3: Discount to face value — the yield USDX earns until maturity, sold upfront.
Are these yields fixed?
30 of 61 are variable: the rate moves with markets and is not guaranteed. The figures on this page were last checked between 2026-07-23 and 2026-10-19.
Related
Yield-bearing stablecoins →Which tokenized assets can an AI agent buy on its own, without KYC — and which pays the most? →Where can I lock in a fixed yield on-chain — and until when? →What interest can I earn by lending stablecoins on Aave, Morpho or Spark right now? →Which tokenized bonds and fixed-rate tokens mature in the next 90 days? →All questions →