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 3.64% on Dec 03 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
05/12/2025 08:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Storm-tradeTon5.81MUSDT0%17.97%8.6%
Yearn-financeEthereum7.63MUSDT0%5.74%6.12%
Yearn-financeEthereum7.84MUSDT0%5.27%5.7%
Euler-v2Ethereum1.29MUSDT0%9.01%5.42%
AcrossEthereum2MUSDT1.22%5.28%5.39%
MapleEthereum1.38BUSDT0.89%6.46%5.22%
Benqi-lendingAvalanche1.47MUSDT0%5.6%5.01%
Echelon-marketAptos2.03MUSDT0%5.96%4.66%
Flux-financeEthereum1.65MUSDT0%4.66%4.59%
Aave-v3Ethereum549.27MUSDT0%3.89%4.32%
Fluid-lendingEthereum224.44MUSDT1.93%5.74%4.22%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum728.5M7.33%
Avalanche520.4M5.96%
Base13193.9M7.23%
BSC000%
Ethereum282.7B8%
Mantle000%
Optimism1012.4M4.24%
Polygon12.9M7.66%
Solana570.3M8.84%
TON15.8M8.6%
zkSync Era000%