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 3.57% on Jan 16 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
21/01/2026 01:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Storm-tradeTon6MUSDT0%6.85%16.38%
Ipor-fusionEthereum5.63MUSDT0%7.07%8.06%
MapleEthereum1.63BUSDT0%5.19%5.1%
Flux-financeEthereum1.65MUSDT0%4.61%4.59%
Benqi-lendingAvalanche1.96MUSDT0%4.44%4.57%
Yearn-financeEthereum6.32MUSDT0%4.69%4.3%
Folks-finance-xchainPolygon1.10MUSDT4.67%5.86%4.2%
Yearn-financeEthereum8.08MUSDT0%4.42%4.06%
Spark-savingsEthereum159.69MUSDT0%4%4%
Aave-v3Ethereum533.75MUSDT0%2.71%3.99%
SparklendEthereum44.55MUSDT0%3.43%3.73%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum521.1M5.53%
Avalanche6240.1M5.35%
Base13184.7M6.81%
BSC000%
Ethereum292.8B6.1%
Hyperliquid112.6M4.07%
Mantle000%
Optimism915.7M4.01%
Polygon11.1M4.2%
Solana418.3M8.77%
TON16M16.38%
zkSync Era000%