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 % on ). 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
30/09/2026 00:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bitway-earnBSC23.23MUSDT0%8%8%
Bitway-earnBSC6.57MUSDT0%7.5%7.5%
Rhea-lendNear1.98MUSDT0%8.9%7.29%
Zerobase-cedefiArbitrum7.62MUSDT2%9%7%
Zerobase-cedefiEthereum14.08MUSDT2%9%7%
Zerobase-cedefiBSC18.15MUSDT2%8.76%6.76%
Aave-v3Avalanche2.05MUSDT0%4.13%5.45%
Lista-lendingBSC1.54MUSDT0%6.54%5.25%
MapleEthereum630.62MUSDT0%4.75%5.13%
Centrifuge-protocolEthereum2.28MUSDT0%3.58%5.07%
Storm-tradeTON2.74MUSDT0%5.17%4.84%
Flux-financeEthereum1.94MUSDT0%4.45%4.44%
Fluid-lendingEthereum133.63MUSDT0%4.59%4.03%
Kamino-lendSolana1.62MUSDT0%3.47%3.88%
Aave-v3Ethereum65.05MUSDT1.57%5.06%3.7%
Aave-v3Ethereum179.71MUSDT0%3.59%3.7%
Spark-savingsEthereum398.52MUSDT0%3.41%3.5%
SparklendEthereum15.93MUSDT0%3.33%3.39%
Yearn-financeEthereum5.74MUSDT0%3.3%3.34%
Native-credit-poolEthereum1.88MUSDT0%3.31%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Venus-core-poolBSC48.16MUSDT0%2.89%3.24%
Compound-v3Ethereum24.79MUSDT0%3.03%3.07%
Aave-v3BSC11.83MUSDT0%2.78%2.94%
Aave-v4Ethereum3.29MUSDT0%4.07%2.87%
Lista-lendingBSC2.70MUSDT0%3.28%2.66%
Compound-v3Arbitrum4.34MUSDT0%2.58%2.55%
Lista-lendingBSC1.37MUSDT0%3.09%2.52%
Venus-fluxBSC1.61MUSDT0%2.72%2.43%
Justlend-v1Tron92.98MUSDT0%2.23%1.91%
SaveSolana2.29MUSDT0%1.81%1.85%
Lista-lendingEthereum4.07MUSDT4.59%6.2%1.04%
AcrossEthereum1.12MUSDT3.01%2.36%0.81%
Aave-v4Avalanche5.40MUSDT6.56%6.62%0.15%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum7107.2M12.53%
Avalanche6288.3M2.87%
Base17162.6M6.49%
BSC16130.6M4.05%
Ethereum693B6.14%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon110.4M3.24%
Solana1343.4M11.64%
TON12.7M4.84%
zkSync Era000%