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 3.67% on Jun 26 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
30/06/2026 11:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Lista-lendingBSC1.28MUSDT2.84%8.03%12.79%
Bitway-earnBSC25.13MUSDT0%10.01%10%
AzuroPolygon1.32MUSDT0%46.8%8.06%
Fluid-lendingEthereum117.95MUSDT0.9%5.45%7.34%
Zerobase-cedefiEthereum14.19MUSDT2%9%7%
Zerobase-cedefiArbitrum7.62MUSDT2%9%7%
Lista-lendingBSC6.43MUSDT0.13%4.76%6.97%
Zerobase-cedefiBSC22.34MUSDT2%8.76%6.76%
Storm-tradeTON3.72MUSDT0%5.91%6.02%
SymbiosisTron1.74MUSDT0%6.82%5.69%
Flux-financeEthereum1.93MUSDT0%4.52%4.44%
Folks-finance-xchainPolygon1.26MUSDT0%4.13%3.96%
MapleEthereum1.06BUSDT0%4.14%3.95%
Lista-lendingBSC4.83MUSDT0.06%4.48%3.94%
Yearn-financeEthereum7.31MUSDT0%3.13%3.75%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum453.4M6.27%
Avalanche14.8M3.69%
Base1276M6.18%
BSC662.1M7.87%
Ethereum281.5B7.46%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon22.6M6.01%
Solana5408.9M5.92%
TON13.7M6.02%
zkSync Era000%