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 14 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
16/01/2026 23:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Storm-tradeTon5.91MUSDT0%5.15%14.76%
Ipor-fusionEthereum5.12MUSDT0%6.65%10.78%
Benqi-lendingAvalanche1.25MUSDT0%4.37%5.14%
MapleEthereum1.60BUSDT0%5.29%4.84%
Yearn-financeEthereum7.98MUSDT0%4.6%4.82%
Flux-financeEthereum1.64MUSDT0%4.61%4.6%
Yearn-financeEthereum8.13MUSDT0%4.31%4.54%
Echelon-marketAptos2.05MUSDT0%3.38%4.44%
Folks-finance-xchainPolygon1.05MUSDT5.28%5.08%4.27%
Folks-finance-xchainPolygon1.05MUSDT5.28%5.08%4.27%
SparklendEthereum34.87MUSDT0%3.3%4.03%
Spark-savingsEthereum154.44MUSDT0%4%4%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum724M5.4%
Avalanche6241.1M5.92%
Base13190.5M6.76%
BSC000%
Ethereum272.2B6.48%
Hyperliquid110.6M5%
Mantle000%
Optimism1017.8M3.99%
Polygon22.1M4.27%
Solana420.1M9.13%
TON15.9M14.76%
zkSync Era000%