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
22/09/2026 22:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bitway-earnBSC25.16MUSDT0%8%8%
Bitway-earnBSC6.55MUSDT0%7.5%7.5%
Zerobase-cedefiArbitrum7.62MUSDT2%9%7%
Zerobase-cedefiEthereum14.08MUSDT2%9%7%
Zerobase-cedefiBSC18.14MUSDT2%8.76%6.76%
Fluid-lendingEthereum128.07MUSDT0%4.82%5.78%
Lista-lendingBSC1.88MUSDT0%6.7%5.13%
Aave-v3Avalanche2.20MUSDT0%3.99%4.96%
Storm-tradeTON2.74MUSDT0%5.3%4.87%
MapleEthereum646.03MUSDT0%4.66%4.8%
Flux-financeEthereum1.95MUSDT0%4.45%4.44%
Aave-v3Ethereum65.70MUSDT1.55%4.94%4.25%
Aave-v3Ethereum190.38MUSDT0%3.48%4.25%
Centrifuge-protocolEthereum2.08MUSDT0%2.78%4.16%
Jupiter-lendSolana17.09MUSDT0%4.03%4.05%
Aave-v4Ethereum1.47MUSDT0%3.73%4.02%
Venus-fluxBSC1.79MUSDT0%2.76%3.83%
Kamino-lendSolana1.86MUSDT0%3.98%3.62%
Spark-savingsEthereum390.67MUSDT0%3.35%3.5%
SparklendEthereum15.55MUSDT0%3.23%3.4%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Benqi-lendingAvalanche1.07MUSDT0%3.65%3.3%
Yearn-financeEthereum5.74MUSDT0%3.23%3.28%
Venus-core-poolBSC50.81MUSDT0%2.73%3.15%
Native-credit-poolBSC1.40MUSDT0%3.14%3.14%
Aave-v3BSC11.74MUSDT0%2.66%2.92%
Compound-v3Ethereum33.11MUSDT0%3.06%2.9%
Lista-lendingBSC2.73MUSDT0%3.17%2.64%
Compound-v3Arbitrum4.06MUSDT0%2.59%2.6%
Justlend-v1Tron85.58MUSDT0%2.33%2.1%
Lista-lendingBSC1.73MUSDT0%2.44%2.05%
SaveSolana2.28MUSDT0%1.78%1.7%
AcrossEthereum1.12MUSDT3.07%1.73%0.89%
Lista-lendingEthereum4.07MUSDT5.14%6.12%0.51%
Aave-v4Avalanche3.56MUSDT6.54%6.25%0.17%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum8108M8.46%
Avalanche8292.3M3.93%
Base18133.4M6.65%
BSC13135.4M4.52%
Ethereum743B6.78%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon110.4M3.21%
Solana16553.2M10.71%
TON12.7M4.87%
zkSync Era000%