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 3.80% on Oct 21 2025). 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
23/10/2025 05:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
KiloexOp_bnb1.14MUSDT0%9.49%30.19%
Colend-protocolCore1.25MUSDT6.07%26.17%26.29%
Lista-lendingBSC37.64MUSDT0.92%10.17%6.95%
Euler-v2Linea9.83MUSDT0%6.3%6.77%
Benqi-lendingAvalanche3.71MUSDT0%8.44%6.73%
Storm-tradeTon6.30MUSDT0%20.59%6.43%
MapleEthereum0.93BUSDT0.89%8.35%6.25%
Yearn-financeEthereum4.71MUSDT0%3.75%5.58%
Compound-v2Ethereum14.75MUSDT0%6.86%5.39%
Euler-v2Avalanche11.98MUSDT3.22%9.33%5.02%
Yearn-financeEthereum6.68MUSDT0%4.51%4.96%
Aave-v3Ethereum630.30MUSDT0%4.41%4.96%
Folks-finance-xchainPolygon1.29MUSDT4.14%9.36%4.79%
Flux-financeEthereum1.55MUSDT0%4.65%4.66%
Aave-v3Linea10.63MUSDT0%5.21%4.52%
Yearn-financeEthereum7.63MUSDT0%6.3%4.41%
Aave-v3Optimism2.66MUSDT0%4.99%3.94%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum1350M8.61%
Avalanche838.4M7.29%
Base12310M10.08%
BSC137.6M6.95%
Ethereum343.5B8.31%
Mantle000%
Optimism1120.6M4.65%
Polygon316.5M4.32%
Solana569.4M7.88%
TON16.3M6.43%
zkSync Era000%