Afraid YT decay will eat your points? Price it before you buy it.
YT decay is not a trap, it is a price. A Pendle yield token carries the yield and the points of its underlying until maturity, then it is worth zero. So the real question is simple: how much decay are you paying for each point, and is today a cheap day to pay it? That can be measured.
Check one YT's grade before you buy
Open Bandit, find the YT you are eyeing and read two numbers: where its implied APY sits in its own 90-day range, and its cost per 1,000 points. Lower cost is cheaper; near the 90-day top is a pricey entry.
Your routes
- 01Do it now5 minGrade every YT against its own 90 daysLive today
Grade every YT against its own 90 days
See the decay you pay per point before you buy, graded A to D.
5 min$0 to look3 stepsMore
Bandit scores each Pendle YT from A to D against its own last 90 days: price versus range, room to run, time left and pool size. For points farmers it shows the expected decay to maturity divided by the points earned, as a cost per 1,000 points. A Free label means the underlying yield should cover the YT cost if rates hold. It is data, not advice.
- 02set and check weeklyxStocksLive today
The xStocks YT-STRCx method
One YT holds the yield and the xPoints. Size it so decay is fine.
set and check weeklya slice you can lose3 stepsMore
xStocks runs live xPoints, and its STRCx has a Pendle market where YT concentrates the yield and the points that ride on it. Read the full method in the xStocks Pendle guide, then start on xStocks. Check the pool has not matured before you buy.
- 03weekly checkSaturn CreditLive today
Saturn's top multiplier sits on yt-USDat
The top Orbital Points multiplier sits on yt-USDat.
weekly checka slice you can lose3 stepsMore
Saturn Credit's Season 2 Orbital Points run to December 8, 2026 or $1B TVL, and yt-USDat on Pendle earns the most. Keep most in sUSDat for the yield and size the YT so decay would not hurt. Details in our Saturn entry.
- 04weekly checkOnRe FinanceLive today
Exponent on Solana works the same way
Up to 4x OnRe Points on Solana. Price the decay first.
weekly checka slice you can lose3 stepsMore
OnRe Points pay up to 4x for holding YT-ONyc on Exponent, Solana's Pendle-style market. Same rule: price the decay first. Start on OnRe.
- The Shipyard05Possible to build
A decay alarm for your YT positions
A bot that pings you when cost per point jumps stops the slow bleed.
38 minGas only3 stepsMore
A small bot that watches your YTs and pings you when cost per point jumps or a market nears maturity would stop the slow bleed most farmers never notice. Build it, or have us build it.
Skip these. Skip buying a YT in its last days for points alone. With little time left, decay is steep and few points remain.
Get a personal route that starts from this.
Your co-driver reads every airdrop we track and fits 3 to 5 stops to your money, device and time.
Plot my routeIntentions fade. A small weekly promise, ticked off, does not. Pick a size you can keep on a bad week. Suggested: Grade before you buy: weekly YT check.
Lands in your logbook on this device. No account needed.
Questions
What is YT decay on Pendle?
A yield token (YT) receives the yield and points of its underlying until maturity, and is worth zero after. Its price falls toward zero over time, which is the decay. See our glossary entry on yield tokens.
How do I know if a YT is cheap?
Compare its implied APY with its own 90-day range and work out the cost per 1,000 points. Bandit shows both for Pendle YTs.
Can I lose all my money buying YT?
Yes. If the yield and points you collect are worth less than what you paid, you lose the difference, and at maturity the YT is worth zero. Only use a slice you can lose.
Related unblockers
Research, not financial advice. Nothing here promises income. Only use money you can afford to lose. Invite links come with sign-up perks for you.