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 3.71% on Jul 17 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
21/07/2026 14:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AzuroPolygon1.28MUSDT0%7.94%15.08%
Bitway-earnBSC23.40MUSDT0%8.63%8%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
Zerobase-cedefiBSC21.49MUSDT2%8.76%6.76%
Storm-tradeTON3.58MUSDT0%5.9%5.75%
Native-credit-poolBSC5.01MUSDT0%3.91%5.18%
SymbiosisTron1.28MUSDT0%6.1%4.49%
Flux-financeEthereum2.05MUSDT0%4.45%4.41%
Fluid-lendingEthereum138.08MUSDT0%5.54%4.3%
MapleEthereum0.94BUSDT0%4.07%4.28%
Lista-lendingBSC6.15MUSDT0%4.76%4.22%
Native-credit-poolEthereum1.98MUSDT0%3.15%4.21%
Lista-lendingBSC2.01MUSDT0.5%6.53%4.09%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum452.6M5.61%
Avalanche3270.3M3.83%
Base12113M5.88%
BSC660M5.84%
Ethereum391.7B7.55%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.3M15.08%
Solana415.8M5.58%
TON13.6M5.75%
zkSync Era000%