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 3.78% on Nov 20 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
23/11/2025 14:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Storm-tradeTon5.78MUSDT0%16.95%13.88%
Navi-lendingSui3.86MUSDT0.78%6.71%5.93%
MapleEthereum0.91BUSDT0.89%6.7%5.4%
Yearn-financeEthereum7.67MUSDT0%5.39%5.21%
SaveSolana1.92MUSDT0%6.16%5.08%
Yearn-financeEthereum7.89MUSDT0%4.7%4.86%
Benqi-lendingAvalanche1.76MUSDT0%6.12%4.86%
Euler-v2Ethereum1.28MUSDT0%4.77%4.79%
Flux-financeEthereum1.53MUSDT0%4.65%4.67%
JustlendTron29.19MUSDT0%2.36%4.61%
Echelon-marketAptos2.44MUSDT0%6.62%4.37%
AcrossEthereum1.90MUSDT1.34%4.68%3.96%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum735.1M7.09%
Avalanche617.2M5.84%
Base12192.3M9%
BSC000%
Ethereum282.4B8.87%
Mantle000%
Optimism810.7M4.45%
Polygon000%
Solana575.9M7.81%
TON15.8M13.88%
zkSync Era000%