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 3.68% on Jul 02 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
07/07/2026 12:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
SymbiosisTron1.90MUSDT0%6.34%8.18%
Bitway-earnBSC23.14MUSDT0%9.57%8%
Zerobase-cedefiEthereum14.12MUSDT2%9%7%
Zerobase-cedefiArbitrum7.62MUSDT2%9%7%
Zerobase-cedefiBSC21.44MUSDT2%8.76%6.76%
Lista-lendingBSC4.92MUSDT0%4.66%6.57%
Lista-lendingBSC1.76MUSDT1.32%6.96%6.55%
Storm-tradeTON3.62MUSDT0%5.97%5.94%
Lista-lendingBSC6.13MUSDT0%5.29%5.71%
Fluid-lendingEthereum124.39MUSDT0%5.62%4.94%
Flux-financeEthereum1.92MUSDT0%4.49%4.44%
Aave-v3Avalanche2.29MUSDT0%3.57%4.29%
MapleEthereum1.04BUSDT0%4.14%4.07%
Folks-finance-xchainPolygon1.26MUSDT0%4.03%3.96%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum453.9M6.01%
Avalanche3266.6M4.62%
Base14127.9M6.49%
BSC659.3M6.73%
Ethereum241.4B7.36%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.3M3.96%
Solana414M6.14%
TON13.6M5.94%
zkSync Era000%