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 3.71% on Jul 10 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
14/07/2026 12:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bitway-earnBSC23.26MUSDT0%9.1%8%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Zerobase-cedefiArbitrum7.63MUSDT2%9%7%
Zerobase-cedefiBSC21.41MUSDT2%8.76%6.76%
SparklendEthereum15.69MUSDT0%3.3%5.91%
Storm-tradeTON3.63MUSDT0%5.95%5.74%
Native-credit-poolBSC5.05MUSDT0%3.8%5.59%
SymbiosisTron1.38MUSDT0%6.15%5.43%
Aave-v3Avalanche2.21MUSDT0%3.6%4.54%
Flux-financeEthereum1.90MUSDT0%4.47%4.45%
Fluid-lendingEthereum130.27MUSDT0%5.69%4.31%
Lista-lendingBSC6MUSDT0%4.62%4.14%
MapleEthereum0.99BUSDT0%4.09%4.13%
Native-credit-poolEthereum2.40MUSDT0%3.06%4.13%
Lista-lendingBSC2.06MUSDT0.87%6.5%4.12%
Folks-finance-xchainPolygon1.28MUSDT0%3.96%3.94%
Kamino-lendSolana1.30MUSDT0%3.42%3.82%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum454.1M5.71%
Avalanche26.1M4.33%
Base1169.9M6.45%
BSC659.7M5.9%
Ethereum411.8B7.47%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon22.4M3.88%
Solana326.3M4.02%
TON13.6M5.74%
zkSync Era000%