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 3.76% on Nov 26 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
30/11/2025 14:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Yearn-financeEthereum7.67MUSDT0%5.6%6.26%
Yearn-financeEthereum7.87MUSDT0%5.07%5.91%
MapleEthereum1.09BUSDT0.89%6.56%5.44%
Euler-v2Ethereum1.66MUSDT0%9.06%5.21%
Benqi-lendingAvalanche1.38MUSDT0%5.93%5.1%
AcrossEthereum1.90MUSDT1.32%4.97%4.71%
Flux-financeEthereum1.54MUSDT0%4.65%4.67%
Fluid-lendingEthereum211.64MUSDT1.77%5.6%4.49%
SparklendEthereum39.61MUSDT0%2.84%4.43%
Echelon-marketAptos2.45MUSDT0%6.15%4.27%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum629.7M7.71%
Avalanche516.3M6.2%
Base14198.2M11.58%
BSC000%
Ethereum302B8.06%
Mantle000%
Optimism89.7M4.41%
Polygon13.7M4.3%
Solana558.3M9.67%
TON000%
zkSync Era000%