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 3.60% on Feb 02 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
04/02/2026 13:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Storm-tradeTon5.86MUSDT0%7.88%6.76%
Ipor-fusionEthereum5.90MUSDT0%7.95%4.86%
Flux-financeEthereum1.64MUSDT0%4.6%4.6%
MapleEthereum1.67BUSDT0%4.81%4.58%
Yearn-financeEthereum7.37MUSDT0%4.76%4.54%
Yearn-financeEthereum7.61MUSDT0%4.46%4.11%
Folks-finance-xchainPolygon2.14MUSDT0%6.13%4.01%
Spark-savingsEthereum155.48MUSDT0%4%4%
Project-0Solana2.31MUSDT0%3.39%3.64%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum620.9M7.59%
Avalanche4114.1M5.51%
Base13207.5M6.61%
BSC000%
Ethereum202.2B6.26%
Hyperliquid18.1M6.38%
Mantle000%
Optimism814.3M4.05%
Polygon12.1M4.01%
Solana525.2M7.44%
TON15.9M6.76%
zkSync Era000%