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
14/12/2025 11:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
SaveSolana1.06MUSDT0%5.91%6.15%
Yearn-financeEthereum7.60MUSDT0%5.54%5.13%
MapleEthereum1.56BUSDT0.89%6.26%5%
Benqi-lendingAvalanche1.50MUSDT0%5.26%4.98%
Yearn-financeEthereum7.83MUSDT0%5.24%4.73%
Flux-financeEthereum1.65MUSDT0%4.65%4.59%
Echelon-marketAptos2.75MUSDT0%4.91%3.91%
Aave-v3Ethereum849.11MUSDT0%3.62%3.88%
Yearn-financeEthereum4.71MUSDT0%2.95%3.7%
SparklendEthereum58.05MUSDT0%3.14%3.62%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum729.9M7.14%
Avalanche519.3M6.13%
Base15212.5M8.23%
BSC000%
Ethereum262.9B7.13%
Mantle000%
Optimism1012.1M4.22%
Polygon12.9M4.76%
Solana8105.5M7.32%
TON000%
zkSync Era000%