{"_id":"token-21956","name":"Savings DAI","ticker":"sDAI","pillar":"Fixed Income","type":"Yield Stablecoins","category":"Yield Stablecoins","description":"Legacy Maker/Sky savings wrapper earning the DAI Savings Rate; largely superseded by sUSDS but still widely used.","apy":"~1.25%","risk":"Very Low","minInvestment":"None","issuer":"Sky (MakerDAO)","yieldSource":"DAI Savings Rate (protocol revenue)","maturity":null,"term":null,"liquidity":"Instant, deep","aum":"—","network":"Ethereum (+Gnosis, L2)","country":"Decentralized","custody":"Self-custody","euAccess":"Available in EU/DE (DeFi)","howToBuy":"Deposit DAI via Spark (spark.fi)","rating":null,"kyc":"None (on-chain)","networkFee":null,"networkFeeUsd":null,"investUrl":"https://app.spark.fi/","source":"https://docs.spark.fi/user-guides/earning-savings/sdai","lastVerified":"2026-08-25","featured":false,"apyPct":1.25,"apyPctLow":1.25,"apyPctHigh":1.25,"apyKind":"variable","minInvestmentUsd":0,"custodyType":"self","access":{"kycMint":"none","kycSecondary":"none","kycRedeem":"unknown","accreditedOnly":false,"whitelistRequired":false},"verified":"curated","isin":null,"underlyingSymbol":null,"underlyingIsin":null,"lifecycle":"live","maturityDate":null,"contract":null,"euAvailable":true,"_links":{"page":"https://tokenbank.world/token/sDAI","all":"https://tokenbank.world/api/tokens"},"_disclaimer":"Sourced figures; yields are variable and not guaranteed. Not investment advice. Verify the source before relying on any figure."}