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
21/10/2026 02:00:05

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Rhea-lendNear2.03MUSDT0%9.32%8.84%
Centrifuge-protocolEthereum2.69MUSDT0%7.06%8.79%
Bitway-earnBSC21.75MUSDT0%8%8%
Bitway-earnBSC1.31MUSDT0%7.5%7.5%
Zerobase-cedefiArbitrum7.61MUSDT2%9%7%
Zerobase-cedefiEthereum14.19MUSDT2%9%7%
Zerobase-cedefiBSC16.73MUSDT2%8.76%6.76%
MapleEthereum743.68MUSDT0%5.28%5.23%
Fluid-lendingEthereum129.40MUSDT0%4.42%4.46%
Kamino-lendSolana1.09MUSDT0%4.42%4.45%
Flux-financeEthereum1.95MUSDT0%4.44%4.44%
Jupiter-lendSolana17.30MUSDT0%4.12%4.35%
Kamino-lendSolana2.61MUSDT0%4.51%4.08%
Spark-savingsEthereum660.37MUSDT0%3.63%3.75%
Storm-tradeTON2.63MUSDT0%4.44%3.67%
Lista-lendingBSC2.78MUSDT0%3.92%3.66%
Aave-v3Avalanche2.67MUSDT0%3.93%3.57%
SparklendEthereum15.86MUSDT0%3.4%3.4%
Venus-core-poolBSC44.77MUSDT0%3.32%3.35%
Yearn-financeEthereum5.70MUSDT0%3.29%3.34%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Compound-v3Ethereum16.16MUSDT0%3.95%3.24%
SaveSolana1.57MUSDT0%2.14%3.18%
Aave-v3Ethereum62.14MUSDT1.64%5.43%3.08%
Aave-v3Ethereum450.39MUSDT0%3.84%3.08%
Aave-v3BSC11.18MUSDT0%2.96%3.08%
Aave-v4Ethereum5.38MUSDT0%3.93%2.89%
Lista-lendingBSC1.37MUSDT0%2.95%2.4%
Compound-v3Arbitrum5.26MUSDT0%2.45%2.31%
CurrentSui1.08MUSDT2.8%6.38%2.29%
Justlend-v1Tron87.35MUSDT0%2.11%2.16%
Native-credit-poolEthereum3.76MUSDT0%2.49%1.17%
Lista-lendingEthereum4.15MUSDT4.97%5.74%1.02%
Aave-v4Avalanche7.30MUSDT5.68%5.51%0.34%
AcrossEthereum1.12MUSDT3.01%3.59%0.34%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum6131.9M4.81%
Avalanche7288.3M3.34%
Base17160.6M7.02%
BSC13113.8M4.32%
Ethereum743.5B6.24%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon211.1M3.55%
Solana31726.9M6.7%
TON12.6M3.67%
zkSync Era000%