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 3.71% on Dec 01 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
03/12/2025 17:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Storm-tradeTon5.83MUSDT0%18.12%8.44%
AcrossEthereum2MUSDT1.23%5.11%6.46%
Yearn-financeEthereum7.66MUSDT0%5.68%5.97%
Yearn-financeEthereum7.87MUSDT0%5.18%5.72%
MapleEthereum1.28BUSDT0.89%6.5%5.27%
Benqi-lendingAvalanche1.53MUSDT0%5.89%4.96%
Echelon-marketAptos1.99MUSDT0%6.07%4.75%
Flux-financeEthereum1.54MUSDT0%4.66%4.67%
Fluid-lendingEthereum211.88MUSDT2.11%5.67%4.54%
Aave-v3Ethereum571.04MUSDT0%3.86%4.29%
SparklendEthereum43.58MUSDT0%3.07%4%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum730.3M7.13%
Avalanche516M7.44%
Base14196.2M9.13%
BSC000%
Ethereum322.7B7.94%
Mantle000%
Optimism911.1M4.31%
Polygon13.1M4.04%
Solana571.9M8.48%
TON15.8M8.44%
zkSync Era000%