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 3.58% on Dec 11 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
13/12/2025 23:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Yearn-financeEthereum3.82MUSDT0%5.55%5.26%
MapleEthereum1.56BUSDT0.89%6.27%4.99%
Benqi-lendingAvalanche1.50MUSDT0%5.27%4.98%
Flux-financeEthereum1.65MUSDT0%4.65%4.59%
Yearn-financeEthereum7.83MUSDT0%5.25%4.42%
Echelon-marketAptos2.71MUSDT0%5%3.94%
Aave-v3Ethereum847.62MUSDT0%3.61%3.88%
Yearn-financeEthereum4.71MUSDT0%2.99%3.7%
SparklendEthereum56.87MUSDT0%3.14%3.65%
Compound-v3Arbitrum1.86MUSDT0.89%3.28%3.64%
Fluid-lendingEthereum238.68MUSDT1.61%5.6%3.59%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum831.8M6.71%
Avalanche518.6M6.19%
Base14193.3M8.54%
BSC000%
Ethereum293.2B6.79%
Mantle000%
Optimism1012.1M4.22%
Polygon12.9M4.48%
Solana6101.4M7.31%
TON000%
zkSync Era000%