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 3.53% on Dec 18 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
22/12/2025 02:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
SaveSolana1.25MUSDT0%6.1%5.89%
MapleEthereum1.51BUSDT0.89%6.04%4.62%
Flux-financeEthereum1.65MUSDT0%4.63%4.59%
Yearn-financeEthereum7.61MUSDT0%5.43%4.58%
Benqi-lendingAvalanche2.26MUSDT0%5.16%4.35%
Yearn-financeEthereum7.84MUSDT0%5.08%4.18%
Yearn-financeEthereum4.75MUSDT0%2.98%3.88%
Storm-tradeTon6.06MUSDT0%5.91%3.56%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum830.3M9.25%
Avalanche515.7M6.53%
Base16321.5M6.93%
BSC000%
Ethereum262.1B6.67%
Mantle000%
Optimism911.6M4.19%
Polygon000%
Solana418.8M8.07%
TON16.1M3.56%
zkSync Era000%