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 3.52% on Jan 09 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
13/01/2026 20:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Ipor-fusionEthereum5.01MUSDT0%6.18%8.1%
Yearn-financeEthereum7.75MUSDT0%4.52%5.97%
Yearn-financeEthereum8.01MUSDT0%4.24%5.64%
SaveSolana2.19MUSDT0%5.65%4.85%
Flux-financeEthereum1.63MUSDT0%4.6%4.61%
MapleEthereum1.61BUSDT0%5.41%4.58%
Benqi-lendingAvalanche2.31MUSDT0%4.27%4.34%
Spark-savingsEthereum177.93MUSDT0%4%4%
Echelon-marketAptos2.35MUSDT0%3.26%3.93%
Fluid-lendingEthereum172.88MUSDT2.19%4.52%3.62%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum826.9M5.25%
Avalanche6229.5M5.49%
Base14285.9M6.45%
BSC000%
Ethereum293B6.42%
Hyperliquid18.8M5.66%
Mantle000%
Optimism1018.1M4.08%
Polygon11.6M3.6%
Solana627.4M8.33%
TON000%
zkSync Era000%