Best USDT rate today: 5.92% on HyperLend Pooled (Hyperliquid L1, USD₮0). Cheapest to borrow: 2.75% on Compound V3 (Polygon, USDT).
Paste a wallet address above to see what your own positions earn. Rates from 2 November — today’s could not be read yet.
Every dollar coin in one list. Other coins: USDC best 9.03% · USDe best 4.83% · USDS and DAI best 4.71%.
| Asset | Venue | Chain | APY, lowest of today, 7 and 30 days | APY today | Borrow up to | Size | History |
|---|---|---|---|---|---|---|---|
| USD₮0 | HyperLend Pooled | Hyperliquid L1 | 5.92% | 5.92% | 62% | $983K | 1.2 years |
| USD₮0 | Aave V3 | Monad | 5.36%3.76% interest + 1.61% rewards | 5.52% | — | $6.8M | 124 days |
| USDT | Lista Lending | BSC | 5.04% | 6.16% | — | $2.4M | 1.5 years |
| USD₮0 | Euler V2EVK Vault eUSDT0-13 | Monad | 5.04% | 5.04% | — | $339K | 96 days |
| USDT | MapleSyrup USDT | Ethereum | 4.92% | 4.92% | — | $665.2M | 1.3 years |
| USDT | Kamino LendSOL/BTC Market | Solana | 4.91% | 6.17% | 80% | $470K | 3.0 years |
| USDT | Jupiter LendEarn | Solana | 4.64% | 5.07% | — | $16.2M | 231 days |
| USDT | Fluid Lending | Ethereum | 4.51% | 4.51% | — | $122.9M | 2.4 years |
| USDT | Benqi Lending | Avalanche | 4.51% | 4.68% | 72.5% | $483K | 4.2 years |
| USDT | Flux Finance | Ethereum | 4.44% | 4.44% | — | $2M | 3.6 years |
| Asset | Venue | Chain | APY, lowest of today, 7 and 30 days | APY today | Borrow up to | Size | History |
|---|---|---|---|---|---|---|---|
| USDT | MortgageFi | Arbitrum | 35.92% | 79.2% | — | $56K | 1.3 years |
| USDT | Chainflip Lending | Ethereum | 12.96% | 12.96% | — | $76K | 175 days |
| USD₮0 | RNT Lend | Polygon | 10.79% | 11.59% | — | $339K | 6 days |
| USDT | UwU Lend | Ethereum | 10.69% | 10.74% | 90% | $12K | 3.7 years |
| USDT | Project 0 | Solana | 7.53% | 8.18% | — | $131K | 269 days |
| USD₮0 | NeverlandNeverland Markets | Monad | 7.15%3.05% interest + 4.11% rewards | 7.15% | 85% | $587K | 301 days |
| USDT | Euler V2EVK Vault eUSDT-6 | BSC | 6.04% | 7.6% | — | $34K | 290 days |
| USDT | Lista Lending | Ethereum | 5.82%0.77% interest + 5.05% rewards | 6.21% | — | $3.9M | 193 days |
| USDT | Loopscale Lending | Solana | 5.63% | 5.74% | — | $93K | 200 days |
| USDT | Project 0 | Solana | 5.57% | 6.26% | — | $24K | 9 days |
| USDT | Aave V4Core | Avalanche | 5.21%0.99% interest + 4.22% rewards | 5.77% | — | $23.6M | 109 days |
| USDT | Compound V3 | OP Mainnet | 5.06% | 8.14% | — | $99K | 2.3 years |
| USD₮0 | Dolomite | Arbitrum | 5.05% | 6.66% | 86.96% | $25K | 3.2 years |
| USDT | Euler V2EVK Vault eUSDT-2 | Ethereum | 4.69% | 4.69% | — | $50K | 2.0 years |
| USDT | Kamino LendAllez USDT | Solana | 4.59% | 4.8% | — | $74K | 18 days |
| USDT | Kamino LendGalaxy USDT | Solana | 4.5% | 5.38% | — | $2.6M | 18 days |
| USDT | Project 0 | Solana | 4.43% | 5.04% | — | $10K | 97 days |
| USDT | Kamino LendJLP Market | Solana | 4.37% | 5.04% | — | $91K | 155 days |
| USDT | Lista Lending | BSC | 3.37% | 3.37% | — | $20K | 1.1 years |
| USDT | SaveStable Pool | Solana | 3.34% | 3.54% | 90% | $14K | 3.2 years |
| USDT | Dolomite | Ethereum | 2.78% | 2.78% | 85% | $20K | 1.0 years |
| USDT | Kinza Finance | BSC | 2.22% | 2.33% | 75% | $131K | 2.7 years |
| USD₮0 | Hyperliquid Earn | Hyperliquid L1 | 1.92% | 1.92% | — | $2.3M | 13 days |
| USDT | Euler V2EVK Vault eUSDT-11 | BSC | 1.59% | 1.81% | — | $40K | 112 days |
| USD₮0 | TownSquare Lending | Monad | 1.58% | 1.58% | — | $12K | 193 days |
| USD₮0 | Moonwell Lending | OP Mainnet | 1.03% | 1.2% | 83% | $13K | 1.3 years |
| USDT | Extra Finance Xlend | OP Mainnet | 0.14% | 0.14% | 75% | $17K | 1.6 years |
| USDT | Lista Lending | BSC | 0.02% | 0.02% | — | $122K | 196 days |
| USDT | Euler V2EVK Vault eUSDT-25 | BSC | 0% | 0.02% | — | $14K | 71 days |
| USDT | Euler V2EVK Vault eUSDT-22 | BSC | 0% | 0% | — | $14K | 53 days |
| Asset | Venue | Chain | APY, lowest of today, 7 and 30 days | APY today | Size | History |
|---|---|---|---|---|---|---|
| USD₮0 | BeefyAave | Monad | 5.01% | 5.01% | $308K | 119 days |
| USDT | WOOFi EarnSuperchargerV2 | BSC | 4.37% | 4.37% | $352K | 3.5 years |
| USDT | Spark Savings | Ethereum | 3.78% | 4% | $408.7M | 303 days |
| USDT | Yearn Finance | Ethereum | 3.17% | 3.17% | $5.7M | 2.3 years |
| Asset | Venue | Chain | APY, lowest of today, 7 and 30 days | APY today | Size | History |
|---|---|---|---|---|---|---|
| USD₮0 | FWBFixed term 360d | Polygon | 12% | 12% | $22K | 56 days |
| USDT | BeefyAave-v4 | Avalanche | 5.26% | 5.36% | $39K | 44 days |
| USDT | YO ProtocolyoUSDT | Ethereum | 4.68% | 4.68% | $13K | 230 days |
| USDT | IPOR FusionIPOR USDT Lending Optimizer Ethereum | Ethereum | 3.46% | 3.46% | $74K | 1.9 years |
| USDT | Harvest FinanceMorpho - Steakhouse Prime V2 | Ethereum | 2.58% | 2.58% | $184K | 4.3 years |
Returns come from the manager’s strategy — leverage, carry — with its risks. No staking added.
| Pair | Venue | Chain | APY, lowest of today, 7 and 30 days | APY today | Size | History |
|---|---|---|---|---|---|---|
| USDT-USDC | Blackhole CLMMCL - 1 | Avalanche | 49.03% | 65.55% | $286K | 243 days |
| USDC-USD₮0 | nest CL0.002% | Hyperliquid L1 | 16.14% | 16.56% | $655K | 189 days |
| USDC-USD₮0 | Ramses CL V2CL 0.00% | Hyperliquid L1 | 12.9% | 36% | $910K | 253 days |
| USDC-USDT | Uniswap V4Dynamic fee (hook) | Ethereum | 6.94% | 7.04% | $8.1M | 41 days |
| USDC-USDT | Uniswap V30.01% | Polygon | 6.43% | 6.43% | $918K | 4.0 years |
| USDC-USDT | Uniswap V30.01% | Arbitrum | 5.75% | 7.28% | $1.1M | 3.2 years |
| DAI-USDT | Uniswap V40.00% | Polygon | 5.25% | 6.32% | $306K | 93 days |
| USDT-USDE | Curve DEX | Ethereum | 5.05% | 13.41% | $1.1M | 1.7 years |
| CRVUSD-USDT | Curve DEX | OP Mainnet | 4.97% | 5.72% | $253K | 2.1 years |
| USDC-USDT | Ekubo0.00% fee | CL range 0.71% | Ethereum | 4.2% | 6.91% | $476K | 174 days |
| Pair | Venue | Chain | APY, lowest of today, 7 and 30 days | APY today | Size | History |
|---|---|---|---|---|---|---|
| VUSD-USDT | SushiSwap V30.05% | Ethereum | 23.01% | 23.05% | $131K | 88 days |
| USDC-USD₮0 | Hybra V4Dynamic-fee CL | Hyperliquid L1 | 9.44% | 16.52% | $11K | 119 days |
| USDC-USDT | MDEX | BSC | 5.5% | 5.5% | $77K | 4.2 years |
| USDE-USDT | Uniswap V30.01% | Ethereum | 4.67% | 19.57% | $35K | 2.8 years |
| USDT-U | Uniswap V40.00% | BSC | 4.28% | 4.28% | $54K | 17 days |
| USDK-USDT | Raydium AMMConcentrated - 0.02% | Solana | 4.25% | 4.25% | $351K | 15 days |
| USDT-UUSD | Uniswap V40.00% | BSC | 4.17% | 4.17% | $61K | 44 days |
| USDE-USDT | Uniswap V30.05% | Arbitrum | 3.84% | 6.52% | $13K | 2.4 years |
| USDT-USDC | THENA INTEGRAL | BSC | 3.75% | 3.75% | $127K | 23 days |
| GHO-USDT | Uniswap V40.01% | Ethereum | 3.26% | 3.26% | $156K | 192 days |
| USDC-USDT | Uniswap V40.00% | Base | 3.02% | 3.02% | $85K | 18 days |
| OUSD-USDT | Curve DEX | Ethereum | 2.91% | 2.91% | $20K | 1.5 years |
| USDT-USDC | PancakeSwap AMM | BSC | 2.72% | 13.58% | $29K | 4.3 years |
| USDC-USD₮0 | HyperSwap V30.01% | Hyperliquid L1 | 2.61% | 2.8% | $63K | 257 days |
| USDT-USD1 | Uniswap V40.00% | BSC | 2.45% | 7.74% | $114K | 133 days |
| DAI-USDT | Uniswap V30.01% | Arbitrum | 2.18% | 9.49% | $94K | 3.5 years |
| TUSD-USDT | Raydium AMMConcentrated - 0.01% | Solana | 2.03% | 2.03% | $350K | 10 days |
| USDE-USD₮0 | Fluid DEX | Arbitrum | 1.96% | 6.36% | $17K | 325 days |
| USDX-USDT | Uniswap V40.29% | BSC | 1.8% | 1.8% | $127K | 11 days |
| USDC-USDT | Uniswap V30.05% | Arbitrum | 1.38% | 1.38% | $19K | 2.6 years |
| USDC-USD₮0 | Fluid DEX | Polygon | 1.17% | 1.17% | $55K | 1.4 years |
| USDE-USD₮0 | HyperSwap V30.01% | Hyperliquid L1 | 1.04% | 3.33% | $17K | 235 days |
| USDC-USDT | Uniswap V40.00% | Base | 0.97% | 0.97% | $150K | 263 days |
| DAI-USDT | Uniswap V30.05% | Arbitrum | 0.91% | 3.51% | $11K | 4.3 years |
| USDM-USD₮0 | Mento V3 | Monad | 0.9% | 0.9% | $31K | 194 days |
| USDT-USDC | Joe V2.1 | Avalanche | 0.82% | 0.82% | $164K | 3.3 years |
| USDAF-USDT | Uniswap V40.05% | Ethereum | 0.81% | 1.63% | $104K | 304 days |
| USDC-USDT | Raydium AMMConcentrated - 0.05% | Solana | 0.8% | 2.6% | $36K | 192 days |
| DAI-USDT | MDEX | BSC | 0.77% | 0.77% | $27K | 4.2 years |
| USDC-USDT | SushiSwap V30.01% | Arbitrum | 0.58% | 0.58% | $13K | 1.4 years |
Both legs hold a peg: little loss to price moves.
| Asset | Collateral | Venue | Chain | Borrow rate | Available | Borrowed |
|---|---|---|---|---|---|---|
| USDT | BTC/ETH/other | Compound V3 | Polygon | 2.75% | $312K | $256K |
| USDT | BTC/ETH/other | Compound V3 | Arbitrum | 3.33% | $5M | $9.7M |
| USDT | BTC/ETH | SparkLend | Ethereum | 4.12% | $15.1M | $292.2M |
| USDT | BTC/ETH/BNB | Aave V3 | BSC | 4.15% | $10.6M | $52M |
| USDT | many (12) | Aave V3 | Ethereum | 4.26% | $301.2M | $2.4B |
| USD₮0 | BTC/ETH | Aave V3 | Arbitrum | 4.37% | $5.5M | $38.5M |
| USDT | BTC/ETH | Aave V3 | OP Mainnet | 4.5% | $384K | $3.4M |
| USD₮0 | many (9) | HypurrFi Pooled | Hyperliquid L1 | 4.66% | $221K | $97K |
| USDT | many (12) | Compound V3 | Ethereum | 4.83% | $15.5M | $143.2M |
| USD₮0 | BTC/ETH/stables | Aave V3 | Monad | 4.86% | $6.8M | $57.8M |
| Asset | Collateral | Venue | Chain | Borrow rate | Available | Borrowed |
|---|---|---|---|---|---|---|
| USDT | QQQB | Euler V2EVK Vault eUSDT-23 | BSC | 0% | $14K | $0 |
| USDT | SPCXB | Euler V2EVK Vault eUSDT-19 | BSC | 0% | $14K | $1 |
| USDT | SNDKB | Euler V2EVK Vault eUSDT-24 | BSC | 0% | $14K | $1 |
| USDT | NVDAB | Euler V2EVK Vault eUSDT-22 | BSC | 0.01% | $14K | $25 |
| USDT | SPYB | Euler V2EVK Vault eUSDT-25 | BSC | 0.37% | $14K | $929 |
| USDT | BTC/ETH | Extra Finance Xlend | OP Mainnet | 0.96% | $17K | $3K |
| USD₮0 | ETH/other/stables | Moonwell Lending | OP Mainnet | 2.89% | $13K | $11K |
| USDT | many (6) | Kinza Finance | BSC | 3.7% | $131K | $372K |
| USDT | stocks/gold/other | Euler V2EVK Vault eUSDT-11 | BSC | 3.88% | $40K | $67K |
| USD₮0 | UBTC/HYPE | Hyperliquid Earn | Hyperliquid L1 | 5% | $2.3M | $1.7M |
| USDT | JLP | Kamino LendJLP Market | Solana | 5.93% | $91K | $1.7M |
| USDT | many (9) | Euler V2EVK Vault eUSDT-2 | Ethereum | 6.13% | $50K | $286K |
| USDT | BTC/ETH/other | Compound V3 | OP Mainnet | 9.66% | $99K | $1.1M |
| USD₮0 | many (14) | Dolomite | Arbitrum | 9.84% | $25K | $134K |
| USDT | ASTER | Euler V2EVK Vault eUSDT-6 | BSC | 11.78% | $34K | $87K |
| USDT | USDC | SaveStable Pool | Solana | 12.77% | $14K | $8K |
| USD₮0 | — | RNT Lend | Polygon | 13.45% | $339K | $7.6M |
APY is the lowest of today, 7 and 30 days. Rewards are paid in tokens and can stop. Not listed: basis trades, tokenized funds, prediction markets, fixed-term markets.
Shared markets. Borrow rate: interest only. Rewards back to borrowers are paid in tokens and can stop. Loans against one asset are on its page.
APY: fees and rewards, lowest of today, 7 and 30 days. A narrower range earns more and exits sooner.
Less consistent: thin, under 30 days, barely used, 3× the usual rate, or mostly rewards. Never in the headline.
Venues’ own rates, updated daily. Not a forecast or advice.
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