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 3.61% on Apr 08 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
10/04/2026 20:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
BitwayBSC13.21MUSDT0%11.83%11%
SymbiosisTron1.50MUSDT0%5.86%8.67%
Zerobase-cedefiEthereum14.45MUSDT2%9%7%
Zerobase-cedefiArbitrum7.94MUSDT2%9%7%
Zerobase-cedefiBSC23.84MUSDT2%9.39%6.76%
Flux-financeEthereum1.59MUSDT0%4.56%4.66%
Benqi-lendingAvalanche1.56MUSDT0%4.61%4.52%
Folks-finance-xchainPolygon1.67MUSDT0%3.59%3.91%
MapleEthereum1.97BUSDT0%3.86%3.65%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum550.4M6.52%
Avalanche577.5M4.23%
Base7111.1M6.54%
BSC338.4M8.17%
Ethereum172.5B5.52%
Hyperliquid000%
Mantle000%
Optimism46.4M3.87%
Polygon11.7M3.91%
Solana22.8M5.96%
TON000%
zkSync Era000%