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 3.54% on Jan 02 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
06/01/2026 20:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Ipor-fusionEthereum5.01MUSDT0%5.69%6.53%
SaveSolana1.52MUSDT0%6%5.51%
MapleEthereum1.46BUSDT0%5.7%4.73%
Flux-financeEthereum1.63MUSDT0%4.6%4.61%
Yearn-financeEthereum7.77MUSDT0%4.72%4.59%
Storm-tradeTon5.82MUSDT0%4.16%4.47%
Yearn-financeEthereum8.02MUSDT0%4.46%4.32%
SparklendEthereum33.38MUSDT0%3.43%4.28%
Yearn-financeEthereum4.75MUSDT0%4.65%4.07%
Benqi-lendingAvalanche2.73MUSDT0%4.48%4.06%
Spark-savingsEthereum167.17MUSDT0%4%4%
Echelon-marketAptos2.49MUSDT0%3.46%3.73%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum832.6M5.34%
Avalanche5213M5.51%
Base15193M6.76%
BSC000%
Ethereum262.1B6.42%
Hyperliquid19.6M5%
Mantle000%
Optimism1014M4.1%
Polygon000%
Solana626.8M7.99%
TON15.8M4.47%
zkSync Era000%