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 3.81% on Jul 24 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
28/07/2026 15:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AzuroPolygon1.43MUSDT0%4.05%31.44%
Bitway-earnBSC23.39MUSDT0%8.16%8%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
Zerobase-cedefiBSC20.78MUSDT2%8.76%6.76%
SymbiosisTron1.45MUSDT0%6.08%6.18%
Storm-tradeTON3.59MUSDT0%5.83%5.74%
Fluid-lendingEthereum132.60MUSDT0%5.1%4.72%
Lista-lendingBSC1.93MUSDT0.25%6.67%4.7%
Flux-financeEthereum2.05MUSDT0%4.43%4.41%
MapleEthereum890.03MUSDT0%4.14%4.37%
Lista-lendingBSC6.16MUSDT0%4.99%4.24%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum451.5M5.45%
Avalanche2264.6M4.32%
Base12108.7M6.32%
BSC655.6M5.82%
Ethereum401.7B8.11%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.4M31.44%
Solana5442.6M5.43%
TON13.6M5.74%
zkSync Era000%