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 3.60% on Apr 29 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
01/05/2026 23:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
BitwayBSC13.36MUSDT0%11.13%10.5%
Aave-v3Avalanche1.70MUSDT0%4.78%7.2%
Zerobase-cedefiEthereum14.44MUSDT2%9%7%
Zerobase-cedefiArbitrum7.93MUSDT2%9%7%
SymbiosisTron1.21MUSDT0%7.44%6.97%
Storm-tradeTON3.78MUSDT0%4.66%6.8%
Zerobase-cedefiBSC24.85MUSDT2%8.76%6.76%
Flux-financeEthereum1.71MUSDT0%4.62%4.57%
MapleEthereum1.05BUSDT0%4.12%4.53%
Fluid-lendingEthereum120.54MUSDT1.7%6.07%3.73%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum669.2M6.12%
Avalanche545.5M6.92%
Base895.9M5.81%
BSC340.1M8.01%
Ethereum251.9B5.09%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon000%
Solana35.8M5.66%
TON13.8M6.8%
zkSync Era000%