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 3.57% on Jan 15 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
17/01/2026 23:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Storm-tradeTon5.91MUSDT0%5.54%14.92%
Ipor-fusionEthereum5.37MUSDT0%6.81%10.71%
Benqi-lendingAvalanche1.38MUSDT0%4.39%5.02%
MapleEthereum1.60BUSDT0%5.26%4.91%
Yearn-financeEthereum7.98MUSDT0%4.61%4.76%
Flux-financeEthereum1.65MUSDT0%4.61%4.59%
Yearn-financeEthereum8.13MUSDT0%4.33%4.48%
Spark-savingsEthereum154.81MUSDT0%4%4%
SparklendEthereum35.93MUSDT0%3.34%4%
Echelon-marketAptos2.45MUSDT0%3.36%3.85%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum725.1M4.97%
Avalanche6241.3M5.78%
Base14194.3M6.72%
BSC000%
Ethereum272.2B6.72%
Hyperliquid110.8M4.95%
Mantle000%
Optimism1017.8M3.99%
Polygon000%
Solana418.5M9.04%
TON15.9M14.92%
zkSync Era000%