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
08/09/2026 19:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
SymbiosisTron1.10MUSDT0%7.01%9.34%
Bitway-earnBSC25.23MUSDT0%8%8%
Bitway-earnBSC6.53MUSDT0%6.72%7.5%
Zerobase-cedefiEthereum14.05MUSDT2%9%7%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
Zerobase-cedefiBSC18.53MUSDT2%8.76%6.76%
Storm-tradeTON3.04MUSDT0%5.44%5.36%
Lista-lendingBSC2.52MUSDT0.81%7.19%4.95%
MapleEthereum1BUSDT0%4.41%4.8%
Fluid-lendingEthereum130.94MUSDT0%4.77%4.7%
Aave-v3Avalanche2.25MUSDT0%3.76%4.54%
Flux-financeEthereum1.89MUSDT0%4.43%4.47%
Jupiter-lendSolana17.68MUSDT0%3.88%4%
Aave-v3Ethereum209.81MUSDT0%3.24%3.56%
Aave-v3Ethereum68.58MUSDT1.49%4.66%3.56%
Yearn-financeEthereum5.77MUSDT0%3.19%3.4%
Aave-v4Ethereum1.37MUSDT0%2.98%3.31%
Native-credit-poolEthereum1.83MUSDT0%3.15%3.31%
Kamino-lendSolana2.22MUSDT0%4.09%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Spark-savingsEthereum360.83MUSDT0%3.1%3.25%
Native-credit-poolBSC1.58MUSDT0%3.08%3.14%
Compound-v3Ethereum28.58MUSDT0%3.09%3.04%
Aave-v3BSC11.13MUSDT0%2.31%2.85%
Venus-core-poolBSC62.24MUSDT0%2.37%2.78%
SparklendEthereum67.79MUSDT0%3.47%2.62%
Compound-v3Arbitrum4.02MUSDT0%2.44%2.61%
Venus-fluxBSC2.15MUSDT0%2.5%2.39%
Justlend-v1Tron68.83MUSDT0%2.3%2.37%
Lista-lendingBSC2.66MUSDT0%2.26%2.35%
SaveSolana2.33MUSDT0%1.58%1.81%
Lista-lendingBSC2.75MUSDT0%1.29%1.36%
Lista-lendingEthereum3.32MUSDT5.64%6.01%0.49%
AcrossEthereum1.58MUSDT1.25%1.36%0.16%
Aave-v4Avalanche2.39MUSDT6.56%3.33%0.15%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum8111.9M5.89%
Avalanche7289.8M3.42%
Base17133.2M6.72%
BSC14160.9M3.98%
Ethereum763.4B5.81%
Hyperliquid000%
Mantle11.2M2.73%
Optimism000%
Polygon213.3M3.22%
Solana18546.5M5.18%
TON13M5.36%
zkSync Era000%