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 3.59% on Jan 29 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
01/02/2026 12:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Lista-lendingBSC11.06MUSDT2.77%4.15%7.36%
Ipor-fusionEthereum5.91MUSDT0%7.81%7%
Storm-tradeTon5.85MUSDT0%7.6%4.91%
Yearn-financeEthereum7.75MUSDT0%4.78%4.75%
MapleEthereum1.73BUSDT0%4.92%4.62%
Flux-financeEthereum1.64MUSDT0%4.6%4.6%
Yearn-financeEthereum7.98MUSDT0%4.5%4.45%
Folks-finance-xchainPolygon2.06MUSDT0%6.07%4.06%
Spark-savingsEthereum123.63MUSDT0%4%4%
SymbiosisTron1.51MUSDT0%4.33%3.78%
SparklendEthereum38.36MUSDT0%3.34%3.74%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum518.9M8.25%
Avalanche4106.2M4.79%
Base13226.7M6.77%
BSC111.1M7.36%
Ethereum272.8B5.98%
Hyperliquid18M6.37%
Mantle000%
Optimism916.3M3.99%
Polygon12.1M4.06%
Solana417.7M8.09%
TON15.9M4.91%
zkSync Era000%