Tether (USDT) interest rates: staking, lending and yield farming
Every liquid DeFi pool that includes USDT: 1,220 pools across 143 protocols and 42 chains. Live APY with base/reward split, 30-day average and risk flags. Updated 2 h ago
9.00%
Best single-asset APY
46.72%
Best APY incl. pairs
1.78%
Median APY
$3.26B
Liquidity in USDT pools
123 / 1,220
Single-asset / all pools
Best single-asset option right now: 9.00% at ZEROBASE CeDeFi on Ethereum ($14.1M TVL, 30d avg 9.00%), of which 2.00% is token rewards.
| Pool | APY | 30d avg | TVL ▾ | 30d | Risk | Chain | |
|---|---|---|---|---|---|---|---|
| USDT Maple · Syrup USDT | 4.62% base 4.62% | 4.54% | $859.3M | Stable Single Down | Ethereum | Deposit ↗ | |
| USDT Spark Savings | 3.50% base 3.50% | 3.23% | $391.9M | Stable Single Stable/Up | Ethereum | Deposit ↗ | |
| USDT Aave V3 | 3.23% base 3.23% | 3.37% | $391.0M | Stable Single Down | Ethereum | Deposit ↗ | |
| DAI-USDC-USDT Curve DEX | 0.00% base 0.00% | 0.00% | $160.4M | Stable LP Stable/Up | Ethereum | Deposit ↗ | |
| USDT Fluid Lending | 4.32% base 4.32% | 4.84% | $131.2M | Stable Single Stable/Up | Ethereum | Deposit ↗ | |
| WETH-USDT Uniswap V3 · 0.3% | 65.08% base 65.08% | 46.72% | $111.2M | LP IL Down | Ethereum | Deposit ↗ | |
| USDT Aave V3 · Umbrella | 4.67% base 3.23% + reward 1.44% | 4.80% | $70.6M | Stable Single Down | Ethereum | Deposit ↗ | |
| USDT Venus Core Pool | 2.53% base 2.53% | 2.53% | $69.4M | Stable Single Stable/Up | BNB Chain | Deposit ↗ | |
| USDT JustLend V1 | 2.54% base 2.54% | 2.32% | $63.7M | Stable Single Down | Tron | Deposit ↗ | |
| USDC-USDT Uniswap V3 · 0.01% | 3.94% base 3.94% | 1.37% | $34.2M | Stable LP Down | Ethereum | Deposit ↗ | |
| USDC-USDT Fluid DEX | 0.61% base 0.61% | 0.51% | $30.0M | Stable LP Stable/Up | Ethereum | Deposit ↗ | |
| ETH-USDT Uniswap V4 · 0.30% | 85.82% base 85.82% | 26.14% | $27.7M | LP IL Down | Ethereum | Deposit ↗ | |
| SUSDAI-USDT Fluid DEX | 0.00% base 0.00% | 0.05% | $26.4M | Stable LP | Ethereum | Deposit ↗ | |
| WBTC-USDT Uniswap V3 · 0.3% | 12.97% base 12.97% | 10.03% | $26.2M | LP IL Down | Ethereum | Deposit ↗ | |
| USDT Bitway Earn · Core Alpha | 8.00% base 8.00% | 8.00% | $25.2M | Stable Single Stable/Up | BNB Chain | Deposit ↗ | |
| REUSD-USDT Fluid DEX | 1.59% base 1.59% | 1.30% | $25.0M | Stable LP Stable/Up | Ethereum | Deposit ↗ | |
| USDT Compound V3 | 3.13% base 3.13% | 3.08% | $23.4M | Stable Single Stable/Up | Ethereum | Deposit ↗ | |
| PORT3-USDT PancakeSwap AMM V3 · 0.01% | 0.00% base 0.00% | 0.00% | $20.7M | LP IL | Ethereum | Deposit ↗ | |
| USDM-USDT Uniswap V3 · 0.05% | 0.02% base 0.02% | 2.84% | $19.0M | Stable LP Stable/Up | Ethereum | Deposit ↗ | |
| USDT-CRVUSD Curve DEX | 3.61% base 0.50% + reward 3.11% | 3.65% | $18.7M | Stable LP Reward-heavy Stable/Up | Ethereum | Deposit ↗ | |
| USDT ZEROBASE CeDeFi | 8.76% base 6.76% + reward 2.00% | 8.76% | $18.4M | Stable Single Stable/Up | BNB Chain | Deposit ↗ | |
| USDC-USDT PancakeSwap AMM V3 · 0.01% | 0.09% base 0.09% | 0.07% | $17.8M | Stable LP Stable/Up | Ethereum | Deposit ↗ | |
| USDT Jupiter Lend · Earn | 3.79% base 3.79% | 3.99% | $17.3M | Stable Single Stable/Up | Solana | Deposit ↗ | |
| USDT Compound V2 | 0.00% base 0.00% | 0.00% | $16.8M | Stable Single | Ethereum | Deposit ↗ | |
| WBTC-USDT Uniswap V3 · 0.05% | 27.04% base 27.04% | 20.72% | $15.9M | LP IL Down | Ethereum | Deposit ↗ | |
| USDT SparkLend | 3.39% base 3.39% | 3.13% | $15.6M | Stable Single Stable/Up | Ethereum | Deposit ↗ | |
| WETH-USDT Uniswap V2 | 4.77% base 4.77% | 5.06% | $14.4M | LP IL Stable/Up | Ethereum | Deposit ↗ | |
| USDT ZEROBASE CeDeFi | 9.00% base 7.00% + reward 2.00% | 9.00% | $14.1M | Stable Single Stable/Up | Ethereum | Deposit ↗ | |
| USDT-WBTC-WETH Curve DEX | 2.89% base 1.85% + reward 1.04% | 2.14% | $13.4M | LP IL Stable/Up | Ethereum | Deposit ↗ | |
| USDT-WBTC-WETH Convex Finance | 3.44% base 1.85% + reward 1.59% | 2.69% | $13.1M | LP IL Stable/Up | Ethereum | Deposit ↗ | |
| BET-USDT Uniswap V3 · 0.3% | 0.01% base 0.01% | 0.02% | $12.2M | LP IL Stable/Up | Polygon | Deposit ↗ | |
| USDT Aave V3 | 2.84% base 2.84% | 2.49% | $11.9M | Stable Single Stable/Up | BNB Chain | Deposit ↗ | |
| USDC-USDT Uniswap V4 · Dynamic fee (hook) | 3.71% base 3.71% | 0.19% | $11.9M | Stable LP | Ethereum | Deposit ↗ | |
| ETH-USDT Uniswap V4 · 0.05% | 19.92% base 19.92% | 3.75% | $11.6M | LP IL Down | Ethereum | Deposit ↗ | |
| USDT-WBTC-WETH Curve DEX | 0.66% base 0.66% + reward <0.01% | 0.93% | $11.3M | LP IL Stable/Up | Ethereum | Deposit ↗ | |
| USDT-USDC VVS Standard | <0.01% base <0.01% | 0.01% | $10.3M | Stable LP Down | Cronos | Deposit ↗ | |
| WBTC-USDT Uniswap V4 · 0.30% | 8.99% base 8.99% | 6.88% | $10.3M | LP IL Down | Ethereum | Deposit ↗ | |
| USDT-USDF Uniswap V3 · 0.01% | 0.04% base 0.04% | <0.01% | $10.1M | Stable LP Stable/Up | Ethereum | Deposit ↗ | |
| USAT-USDT Curve DEX | 0.00% base 0.00% | 0.00% | $10.0M | Stable LP | Ethereum | Deposit ↗ | |
| USDT-WBTC-WETH Beefy · Convex | 3.32% | 2.79% | $9.5M | LP IL Stable/Up | Ethereum | Deposit ↗ | |
| USDT-CRVUSD Convex Finance | 6.09% base 0.50% + reward 5.59% | 6.23% | $8.6M | — | Stable LP Reward-heavy Stable/Up | Ethereum | Deposit ↗ |
| LCPEDU-USDT Joe V2.2 | 0.70% base 0.70% | 0.16% | $8.3M | — | LP IL Down | Avalanche | Deposit ↗ |
| USDT ZEROBASE CeDeFi | 5.30% base 3.30% + reward 2.00% | 5.30% | $8.1M | — | Stable Single Stable/Up | Optimism | Deposit ↗ |
| USDT-DEAI-T Uniswap V4 · 1.60% | 19.13% base 19.13% | 10.45% | $7.7M | — | LP IL Down | BNB Chain | Deposit ↗ |
| USDT ZEROBASE CeDeFi | 9.00% base 7.00% + reward 2.00% | 9.00% | $7.6M | — | Stable Single Down | Arbitrum | Deposit ↗ |
| USDT-WBNB THENA FUSION | 0.00% base 0.00% | 0.00% | $7.2M | — | LP IL | BNB Chain | Deposit ↗ |
| USDT Bitway Earn · Absolute Return | 7.50% base 7.50% | 7.30% | $6.6M | — | Stable Single Stable/Up | BNB Chain | Deposit ↗ |
| USDT-WBTC-WETH Convex Finance | 0.67% base 0.66% + reward <0.01% | 0.93% | $6.3M | — | LP IL Stable/Up | Ethereum | Deposit ↗ |
| USDT-USDC Hyperion · 0.01% | 15.13% base 14.81% + reward 0.32% | 15.13% | $6.3M | — | Stable LP Stable/Up | Aptos | Deposit ↗ |
| USDC-USDT Curve DEX | 3.26% base 0.87% + reward 2.39% | 2.94% | $5.8M | — | Stable LP Reward-heavy Stable/Up | Ethereum | Deposit ↗ |
By protocol
- Maplebest 4.54% · 1 pools · $859.3M
- Aave V3best 4.67% · 4 pools · $476.1M
- Spark Savingsbest 3.23% · 1 pools · $391.9M
- Uniswap V3best 46.72% · 26 pools · $266.5M
- Curve DEXbest 4.66% · 10 pools · $226.6M
- Fluid Lendingbest 4.32% · 1 pools · $131.2M
- Uniswap V4best 26.14% · 20 pools · $94.8M
- Fluid DEXbest 1.30% · 4 pools · $83.0M
- Venus Core Poolbest 2.53% · 1 pools · $69.4M
- JustLend V1best 2.32% · 1 pools · $63.7M
By chain
- Ethereumbest 46.72% · 78 pools · $2.67B
- BNB Chainbest 21.52% · 22 pools · $176.0M
- Tronbest 2.32% · 1 pools · $63.7M
- Solanabest 20.49% · 5 pools · $25.0M
- Polygonbest 9.25% · 3 pools · $17.2M
- Avalanchebest 4.83% · 4 pools · $16.0M
- Arbitrumbest 9.00% · 4 pools · $14.7M
- Optimismbest 5.30% · 2 pools · $13.4M
- Cronosbest <0.01% · 1 pools · $10.3M
- Aptosbest 15.13% · 2 pools · $7.5M
Earn USDT on centralised platforms hand-checked
| Platform | Product | Base APY | Max APY | Lock-up | Where | Checked | |
|---|---|---|---|---|---|---|---|
| NexoMax rate needs Platinum loyalty tier, NEXO token holdings and fixed term; base rate paid in kind | Flexible | 5.50% | 14.00% | none / 1–3 months for top tier | Non-US | Sep 13, 2026 | Visit ↗ |
| YouHodlerHigher tiers require loyalty level | Yield Account | 8.00% | 12.00% | none | EU, non-US | Sep 13, 2026 | Visit ↗ |
| LednTiered rate | Growth Account | 5.00% | 6.00% | none | Non-US | Sep 13, 2026 | Visit ↗ |
| OKXRate set by lending demand | Simple Earn | 1.00% | 5.00% | none | Non-US | Sep 13, 2026 | Visit ↗ |
| BinanceTiered: higher rate only on the first small tranche | Simple Earn Flexible | 1.90% | 3.90% | none | Non-US | Sep 13, 2026 | Visit ↗ |
| BybitRate floats daily | Savings Flexible | 3.50% | 3.80% | none | Non-US | Sep 13, 2026 | Visit ↗ |
| KrakenHigher rate with Kraken+ subscription | Flexible | 1.75% | 3.75% | none | EU, UK | Sep 13, 2026 | Visit ↗ |
CeFi rates are checked by hand from the platforms’ own pages and can change without notice. “Max” usually needs a loyalty tier, a token holding or a lock-up. Custodial products carry counterparty risk.
Borrow USDT 33 markets
| Market | Chain | Borrow APY | Supply APY | Supplied | Borrowed | LTV |
|---|---|---|---|---|---|---|
| USDTAave V3 | Ethereum | 4.10% | 3.23% | $3.16B | $2.77B | 75% |
| USDTSparkLend | Ethereum | 3.97% | 3.39% | $319.2M | $303.6M | 0% |
| USDTCompound V3 | Ethereum | 3.92% | 3.13% | $180.1M | $156.8M | 0% |
| USDTVenus Core Pool | BNB Chain | 4.35% | 2.53% | $199.0M | $129.7M | 80% |
| USDTAave V3 | BNB Chain | 3.93% | 2.84% | $60.6M | $48.7M | 75% |
Top single-asset USDT pools by APY TVL ≥ $1M
- Lista Lending BNB Chain10.67% · 30d 7.23% · $2.1M
- ZEROBASE CeDeFi Ethereum9.00% · 30d 9.00% · $14.1M
- ZEROBASE CeDeFi Arbitrum9.00% · 30d 9.00% · $7.6M
- ZEROBASE CeDeFi BNB Chain8.76% · 30d 8.76% · $18.4M
- Bitway Earn BNB Chain · Core Alpha8.00% · 30d 8.00% · $25.2M
- Bitway Earn BNB Chain · Absolute Return7.50% · 30d 7.30% · $6.6M
- Aave V4 Avalanche · Core6.71% · 30d 4.83% · $4.0M
- Lista Lending Ethereum6.33% · 30d 5.93% · $3.3M
Paired with USDT
How to earn on USDT
Single-asset options (lending, staking, savings vaults) pay interest without exposing you to another token; your USDT balance grows and you can withdraw the same asset. Liquidity pairs earn trading fees plus rewards but hold USDT together with a second asset, so the value moves with both prices (impermanent loss). The “Single” chip marks the first kind.
Each row links to the protocol’s own deposit page. Check the chain first: the same protocol can pay different rates on Ethereum, Base or Arbitrum, and moving funds costs a bridge fee (see bridges). Rates refresh hourly; the 30-day average shows whether today’s number is typical.
Questions people ask
What is the best USDT APY right now?
The highest single-asset rate with at least $1M of liquidity is 9.00% at ZEROBASE CeDeFi on Ethereum ($14.1M TVL). Including liquidity pairs, USDT pays up to 65.08% at Uniswap V3. Rates are refreshed hourly; the 30-day average for that pool is 9.00%.
Where can I earn interest on USDT?
143 protocols currently list USDT pools. The largest by liquidity: Maple ($859.3M), Aave V3 ($476.1M), Spark Savings ($391.9M), Uniswap V3 ($266.5M), Curve DEX ($226.6M). Each row in the table links to the protocol’s deposit page.
Can I earn on USDT on a centralised exchange instead?
Yes. We list 7 CeFi products for USDT; the highest advertised rate is 14.00% at Nexo (base 5.50%). Custodial platforms remove smart-contract risk but add counterparty risk: the platform holds your coins.
Can I borrow USDT?
33 lending markets let you borrow USDT against collateral. See USDT borrow rates for the cheapest one.
Is USDT yield safe?
It depends on the pool. Single-asset lending and staking avoid impermanent loss; liquidity pairs do not. The median USDT rate across liquid pools is 1.78%; anything far above it usually carries reward-token risk or a very small market. Our methodology explains every column and flag.