Savings Dai

SDAI

Stablecoin, stable asset weights

STRICT score withheld.Score opens with Pro

Sustainabilitywithheld×0.28–

Transparencywithheld×0.24–

Revenuewithheld×0.08–

Innovationwithheld×0.08–

Communitywithheld×0.12–

Tokenomicswithheld×0.20–

Weights are public.

The full report. Score, pillars, arithmetic, risk, scenario, signal and notes.

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Research, not financial advice. Read the terms.

About Savings Dai

Analysis of 8 Feb 2026

Savings Dai (sDAI) is an ERC-4626 tokenized wrapper of DAI deposited into MakerDAO's Dai Savings Rate (DSR) module, now operating under the Sky Protocol rebrand completed in 2025. As of February 2026, the DSR provides approximately 4.5% APY through Sky Protocol governance, with rates dynamically adjusted between 0-8.75% based on market conditions and protocol revenue.

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The token maintains a price around $1.17 per sDAI, reflecting accumulated interest since inception. Backed by MakerDAO's 8-year track record and $4.6B market cap, sDAI enables users to earn native protocol yields funded by crypto-collateralized loans and U.S. treasury bill investments without locking funds, offering full composability across major DeFi platforms like Aave, Spark Protocol, and Summer.fi.

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