Pendle Fixed Yield

How it works

“Put 25 USDC somewhere it earns a fixed rate until February.”

The agent finds the best market, explains its risks, quotes the rate, then proposes an exact-amount approval and the deposit. At maturity the PT redeems back to you, like the coin coming down the steps above, or rolls into the next maturity in one transaction.

FindExplainQuote or ladderApprove exact amountDeposit or limit orderTrackExit or roll over

Live from Pendle

Fixed rates right now

These are the same markets the plugin searches, fetched straight from Pendle when you load this page. The rate is fixed only if you hold the PT to maturity.

Chain Asset Liquidity ≥ $250k

Market	Fixed APY	Maturity	Chain	Variable APY	Liquidity
Loading live markets…

Calculator

What would you get?

Pick a market (or click a row above) and an amount. The fixed result uses the same compounding the plugin quotes. The variable line shows what today's variable APY would earn over the same period, which is not guaranteed.

Amount (USD) Market

At maturity, fixed—

Locked-in gain—

Same period at today's variable APY—

Fixed vs variable—difference at maturity

The plugin's quote_fixed_yield gives the exact PT amount, price impact and fees for your real wallet before anything is proposed.

Eleven tools

The whole fixed-yield lifecycle

Six tools read and five return proposals. A proposal is never signed by the plugin.

Readfind_fixed_yieldsEvery active market on 8 chains in one call. Shows fixed vs variable APY, premium, liquidity, TVL and risk flags.

Readexplain_fixed_yield_marketDue diligence: Pendle's risk notes and quirks, the 30-day APY trend, the PT discount, points programs, and which tokens it accepts and redeems to.

Readquote_fixed_yieldHow much PT you get, the effective APY, USD value now and at maturity, price impact, fee, and balance and approval checks.

Readplan_fixed_yield_ladderSplits one amount across 2–4 maturity months, like a bond ladder. It quotes every rung with a verified route and reports the blended fixed APY.

Proposalpropose_fixed_yield_depositAn exact-amount approval, then the verified router deposit.

Readget_fixed_yield_positionsPT holdings across chains, read on-chain and valued in USD, with a suggested roll-over target.

Proposalpropose_fixed_yield_exitRedeem after maturity, or sell early at the market price.

Proposalpropose_fixed_yield_limit_orderAn on-chain limit order (preSignSingle) that buys PT only once the fixed rate reaches your target.

Readget_fixed_yield_limit_ordersYour live limit orders on every chain, with target rate, filled amount and expiry.

Proposalpropose_cancel_fixed_yield_limit_orderCancels one order, after re-hashing it on-chain to prove it is the one you named.

Proposalpropose_fixed_yield_rolloverMoves an old PT into a later PT of the same asset in one callAndReflect transaction.

Safety

Why you can trust the proposal

It never signs. It only returns unsigned io.paybox/transactionProposal calls, and PayBox simulates each one and asks you before signing.
Pendle's API is treated as untrusted. The plugin decodes the calldata itself and only proposes a route that targets Pendle Router V4 0x8888…F946, with you as receiver, the requested market and the exact amount.
Roll-overs are checked call by call. Each nested call must match, and the reflector must be the one in Pendle's official deployments for that chain.
Limit orders are rebuilt and re-hashed. Every field of Pendle's generated order must match your request (rate within 1e-9, expiry before maturity, empty permit), and the order is hashed on-chain by Pendle's Limit Router before it is proposed.
Approvals are for the exact amount, never unlimited. Mainnet USDT is reset to 0 first.
Risky trades are refused or flagged. It refuses trades over the price-impact limit, and flags low liquidity, short maturity, new markets, volatile underlyings, suspicious spreads, and points that go to YT rather than PT.

Chains

Verified with PayBox simulation

EthereumBaseArbitrumHyperEVMRobinhood ChainBNB ChainMonadPlasma

Build

Run it yourself

pnpm install --frozen-lockfile
pnpm test                               # typecheck, deterministic build, conformance
node scripts/qa.mjs                     # 42 live cases
pnpm exec tsx scripts/check-routes.ts   # router verification incl. tamper refusal