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
16/09/2026 10:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bitway-earnBSC25.18MUSDT0%8%8%
Bitway-earnBSC6.60MUSDT0%7.36%7.5%
Zerobase-cedefiArbitrum7.62MUSDT2%9%7%
Zerobase-cedefiEthereum14.07MUSDT2%9%7%
Zerobase-cedefiBSC18.43MUSDT2%8.76%6.76%
Lista-lendingBSC2.12MUSDT0%7.28%5.27%
Storm-tradeTON2.88MUSDT0%5.38%5.17%
MapleEthereum847.28MUSDT0%4.55%4.61%
Flux-financeEthereum1.89MUSDT0%4.44%4.47%
Fluid-lendingEthereum130.78MUSDT0%4.84%4.1%
Aave-v3Avalanche2.56MUSDT0%4.02%3.83%
Jupiter-lendSolana17.41MUSDT0%3.99%3.56%
Spark-savingsEthereum392.36MUSDT0%3.24%3.5%
SparklendEthereum15.60MUSDT0%3.15%3.39%
Lista-lendingBSC2.43MUSDT0%2.6%3.36%
Native-credit-poolEthereum1.51MUSDT0%3.25%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Yearn-financeEthereum5.77MUSDT0%3.18%3.28%
Aave-v4Ethereum1.76MUSDT0%3.41%3.16%
Compound-v3Ethereum22.42MUSDT0%3.09%3.15%
Native-credit-poolBSC1.41MUSDT0%3.11%3.14%
Aave-v3Ethereum70.39MUSDT1.45%4.81%3.11%
Aave-v3Ethereum444.61MUSDT0%3.37%3.11%
Benqi-lendingAvalanche1.25MUSDT0%3.77%3.01%
Kamino-lendSolana2.81MUSDT0%4.21%2.88%
Aave-v3BSC12.66MUSDT0%2.5%2.75%
Venus-core-poolBSC67.40MUSDT0%2.54%2.58%
Compound-v3Arbitrum4.41MUSDT0%2.59%2.51%
Venus-fluxBSC2MUSDT0%2.55%2.41%
Centrifuge-protocolEthereum1.97MUSDT0%2.52%2.4%
Justlend-v1Tron77.44MUSDT0%2.33%2.24%
SaveSolana2.32MUSDT0%1.68%1.96%
Lista-lendingBSC2.12MUSDT0%1.98%1.81%
Lista-lendingEthereum3.34MUSDT5.57%5.95%0.53%
AcrossEthereum1.58MUSDT1.25%1.43%0.33%
Aave-v4Avalanche3.31MUSDT6.59%4.98%0.12%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum8117.3M8.14%
Avalanche8286.4M3.62%
Base18139.3M12.85%
BSC13149M4.57%
Ethereum783.6B5.75%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon110.8M3.12%
Solana17577.4M5.52%
TON12.9M5.17%
zkSync Era000%