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
15/09/2026 22:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Lista-lendingBSC2.13MUSDT0%7.26%10.51%
Bitway-earnBSC25.18MUSDT0%8%8%
Bitway-earnBSC6.60MUSDT0%7.32%7.5%
Zerobase-cedefiArbitrum7.62MUSDT2%9%7%
Zerobase-cedefiEthereum14.07MUSDT2%9%7%
Zerobase-cedefiBSC18.43MUSDT2%8.76%6.76%
Storm-tradeTON2.87MUSDT0%5.38%5.19%
MapleEthereum849.83MUSDT0%4.54%4.62%
Flux-financeEthereum1.89MUSDT0%4.44%4.47%
Fluid-lendingEthereum130.85MUSDT0%4.84%4.18%
Aave-v3Avalanche2.46MUSDT0%4.01%4.1%
Jupiter-lendSolana17.28MUSDT0%3.99%3.7%
Lista-lendingBSC2.43MUSDT0%2.57%3.6%
Spark-savingsEthereum391.82MUSDT0%3.23%3.5%
SparklendEthereum15.61MUSDT0%3.14%3.4%
Native-credit-poolEthereum1.51MUSDT0%3.25%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Yearn-financeEthereum5.78MUSDT0%3.18%3.29%
Aave-v3Ethereum70.60MUSDT1.44%4.8%3.2%
Aave-v3Ethereum404.96MUSDT0%3.37%3.2%
Aave-v4Ethereum1.70MUSDT0%3.39%3.18%
Compound-v3Ethereum22.49MUSDT0%3.08%3.15%
Native-credit-poolBSC1.41MUSDT0%3.11%3.14%
Benqi-lendingAvalanche1.25MUSDT0%3.76%3%
Lista-lendingBSC2.12MUSDT0%1.95%2.94%
Kamino-lendSolana2.78MUSDT0%4.21%2.88%
Aave-v3BSC12.89MUSDT0%2.49%2.73%
Justlend-v1Tron63.99MUSDT0%2.33%2.53%
Venus-core-poolBSC69.65MUSDT0%2.53%2.52%
Compound-v3Arbitrum4.52MUSDT0%2.58%2.49%
Centrifuge-protocolEthereum1.97MUSDT0%2.54%2.4%
Venus-fluxBSC2.06MUSDT0%2.54%2.3%
SaveSolana2.32MUSDT0%1.67%1.95%
Lista-lendingEthereum3.35MUSDT5.61%5.92%0.53%
AcrossEthereum1.58MUSDT1.29%1.43%0.33%
Aave-v4Avalanche3.99MUSDT6.62%4.87%0.09%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum8115.8M8.04%
Avalanche8286.6M3.7%
Base18138.2M12.75%
BSC13152M5.09%
Ethereum783.5B5.76%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon110.7M3.14%
Solana16571.4M5.07%
TON12.9M5.19%
zkSync Era000%