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 3.59% on Jan 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
31/01/2026 03:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Ipor-fusionEthereum5.89MUSDT0%7.73%7.81%
MapleEthereum1.69BUSDT0%4.98%4.67%
Flux-financeEthereum1.65MUSDT0%4.6%4.59%
Storm-tradeTon5.89MUSDT0%7.53%4.37%
Benqi-lendingAvalanche2.41MUSDT0%4.46%4.24%
Yearn-financeEthereum7.74MUSDT0%4.78%4.15%
Folks-finance-xchainPolygon2.05MUSDT0%6.04%4.07%
Spark-savingsEthereum130.87MUSDT0%4%4%
Yearn-financeEthereum7.98MUSDT0%4.49%3.9%
SymbiosisTron1.16MUSDT0%4.43%3.78%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum519.2M7.88%
Avalanche6176.7M4.77%
Base15224.1M6.81%
BSC000%
Ethereum323.1B6.36%
Hyperliquid17M6.68%
Mantle000%
Optimism916.1M3.98%
Polygon12M4.07%
Solana537.9M7.69%
TON15.9M4.37%
zkSync Era000%