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 Feb 09 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
11/02/2026 13:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Storm-tradeTon5.52MUSDT0%9.75%11.26%
SymbiosisTron1.64MUSDT0%4.74%6.76%
Ipor-fusionEthereum3.90MUSDT0%7.66%5.86%
Flux-financeEthereum1.61MUSDT0%4.6%4.63%
Yearn-financeEthereum7.32MUSDT0%4.76%4.36%
Yearn-financeEthereum7.57MUSDT0%4.47%4.15%
MapleEthereum1.50BUSDT0%4.69%3.98%
Folks-finance-xchainPolygon2.28MUSDT0%5.71%3.89%
Spark-savingsEthereum267.16MUSDT0%3.98%3.75%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum618.8M5.34%
Avalanche3127.9M5.53%
Base8155.3M6.13%
BSC000%
Ethereum222.2B5.68%
Hyperliquid113.4M5.47%
Mantle000%
Optimism915.8M4.08%
Polygon12.3M3.89%
Solana25.9M5.91%
TON15.5M11.26%
zkSync Era000%