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 3.59% on Jan 26 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
28/01/2026 02:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Ipor-fusionEthereum5.89MUSDT0%7.53%6.99%
Storm-tradeTon5.84MUSDT0%7.68%5.32%
Yearn-financeEthereum7.74MUSDT0%4.75%4.94%
MapleEthereum1.74BUSDT0%5.09%4.8%
SymbiosisTron1.34MUSDT0%4.34%4.76%
Yearn-financeEthereum7.95MUSDT0%4.47%4.71%
Flux-financeEthereum1.65MUSDT0%4.6%4.59%
Benqi-lendingAvalanche2.65MUSDT0%4.46%4.1%
Folks-finance-xchainPolygon1.27MUSDT0%6.02%4.02%
Spark-savingsEthereum142.82MUSDT0%4%4%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum518.4M6.67%
Avalanche7196.4M5.23%
Base15264.6M6.05%
BSC000%
Ethereum333.2B6.58%
Hyperliquid15.4M6.98%
Mantle000%
Optimism1018.5M3.98%
Polygon22.8M3.81%
Solana421.4M7.72%
TON15.8M5.32%
zkSync Era000%