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
01/09/2026 18:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bitway-earnBSC25.03MUSDT0%8%8%
Bitway-earnBSC6.42MUSDT0%6.14%7.5%
SymbiosisTron1.06MUSDT0%6.11%7.24%
Zerobase-cedefiArbitrum7.63MUSDT2%9%7%
Zerobase-cedefiEthereum14.05MUSDT2%9%7%
Zerobase-cedefiBSC18.65MUSDT2%8.76%6.76%
Storm-tradeTON3.05MUSDT0%5.5%5.36%
Kamino-lendSolana2.28MUSDT0%4.07%5.18%
MapleEthereum1.02BUSDT0%4.27%4.76%
Lista-lendingBSC2.22MUSDT1.61%7.22%4.66%
Flux-financeEthereum1.92MUSDT0%4.41%4.45%
Fluid-lendingEthereum139.79MUSDT0%4.71%4.42%
Jupiter-lendSolana17.64MUSDT0%3.69%4.33%
Aave-v3Avalanche2.34MUSDT0%3.51%4.1%
Aave-v3Ethereum72.06MUSDT1.42%4.45%3.38%
Aave-v3Ethereum209.64MUSDT0%3.06%3.38%
Native-credit-poolEthereum1.77MUSDT0%3.05%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Aave-v4Ethereum1.38MUSDT0%2.63%3.29%
Spark-savingsEthereum366.83MUSDT0%2.98%3.25%
Native-credit-poolBSC2.37MUSDT0%3.15%3.14%
Yearn-financeEthereum5.77MUSDT0%3.17%3.11%
Compound-v3Ethereum36.81MUSDT0.11%3.14%2.9%
Venus-core-poolBSC58.26MUSDT0%2.19%2.87%
Venus-fluxBSC2.14MUSDT0%2.36%2.85%
SparklendEthereum62.39MUSDT0%3.7%2.62%
Compound-v3Arbitrum4.03MUSDT0%2.28%2.61%
Justlend-v1Tron65.61MUSDT0%2.21%2.44%
Aave-v3BSC13.95MUSDT0%2.18%2.4%
Lista-lendingBSC1.01MUSDT0%1.86%1.83%
SaveSolana2.25MUSDT0%1.51%1.71%
Aave-v4Ethereum1.11MUSDT0%1.55%1.62%
Lista-lendingBSC3.03MUSDT0%2.23%1.56%
Lista-lendingBSC3.34MUSDT0%0.95%1.08%
Lista-lendingEthereum2.78MUSDT5.91%5.86%0.48%
TectonicCronos45.01MUSDT0%0.2%0.15%
AcrossEthereum1.58MUSDT1.17%1.43%0.13%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum8123.8M4.42%
Avalanche6287.1M3.68%
Base19145M5.61%
BSC15158.5M3.76%
Ethereum793.5B6.84%
Hyperliquid000%
Mantle11.2M2.92%
Optimism000%
Polygon111.5M2.96%
Solana16531.1M6.43%
TON13M5.36%
zkSync Era000%