Decentralized Lending Rates for stablecoin USDT

List of decentralized protocols and stablecoin pools, each with a Total Value Locked (TVL) exceeding $1,000,000(the higher the TVL, the more trust in the protocol). These platforms allow you to earn interest on stablecoins(USDC,USDT,DAI) surpassing 3 Month Treasury Bill rate (US T-Bill 3.69% on Jul 31 2026). You can deposit and withdraw your stablecoins anytime, with no lockup or deposit limits. DEX only, no CEX, no KYC, Your Keys - Your Crypto. Note that the annual percentage yield in stablecoin pools can fluctuate frequently.

Best USDT Yield: Lending/Staking/Liquidity Pools APY Rates on DexLender
04/08/2026 15:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AzuroPolygon1.38MUSDT0%13.67%61.59%
Bitway-earnBSC24.41MUSDT0%8%8%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Zerobase-cedefiArbitrum7.63MUSDT2%9%7%
Zerobase-cedefiBSC20.49MUSDT2%8.76%6.76%
Storm-tradeTON3.47MUSDT0%5.76%5.68%
Lista-lendingBSC2.09MUSDT0.13%6.51%5.38%
SparklendEthereum14.92MUSDT0%3.82%5.27%
Fluid-lendingEthereum132.84MUSDT0%4.67%4.43%
Flux-financeEthereum2.05MUSDT0%4.43%4.41%
SymbiosisTron1.74MUSDT0%5.72%4.29%
MapleEthereum0.94BUSDT0%4.2%4.15%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum453.9M4.94%
Avalanche3269.8M4.34%
Base12112.1M6.36%
BSC449M6.72%
Ethereum391.7B7.27%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.4M61.59%
Solana7456.7M5.14%
TON13.5M5.68%
zkSync Era000%