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 3.60% on Feb 23 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
25/02/2026 14:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Euler-v2Avalanche2.96MUSDT0%31.01%31.01%
Ipor-fusionEthereum3.71MUSDT0%6.75%7.91%
Flux-financeEthereum1.62MUSDT0%4.62%4.62%
Benqi-lendingAvalanche1.67MUSDT0%3.67%4.42%
MapleEthereum1.37BUSDT0%4.32%4.37%
Yearn-financeEthereum7.30MUSDT0%4.51%4.34%
Folks-finance-xchainPolygon2.34MUSDT0%3.9%3.84%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum517.1M6.63%
Avalanche7165.9M8.71%
Base8154.5M5.71%
BSC000%
Ethereum191.8B5.75%
Hyperliquid000%
Mantle000%
Optimism813.4M3.98%
Polygon12.3M3.84%
Solana23.6M5.82%
TON000%
zkSync Era000%