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 3.64% on Dec 08 2025). 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
10/12/2025 17:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Compound-v3Arbitrum1.73MUSDT0.91%3.13%5.77%
Yearn-financeEthereum7.62MUSDT0%5.7%5.68%
Yearn-financeEthereum7.83MUSDT0%5.35%5.31%
Benqi-lendingAvalanche1.37MUSDT0%5.29%5.08%
MapleEthereum1.57BUSDT0.89%6.35%5.02%
Echelon-marketAptos1.88MUSDT0%5.52%4.89%
Flux-financeEthereum1.65MUSDT0%4.66%4.59%
Aave-v3Ethereum571.54MUSDT0%3.66%4.29%
Fluid-lendingEthereum224.74MUSDT1.85%5.73%3.78%
Yearn-financeEthereum4.71MUSDT0%3.52%3.66%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum933.5M6.78%
Avalanche518M6.21%
Base15194M10.33%
BSC000%
Ethereum272.9B7.18%
Mantle000%
Optimism1012.2M4.23%
Polygon13M4.75%
Solana693M7.19%
TON000%
zkSync Era000%