Aave vs Spark Savings: USDT yields compared
Aave has 6 qualifying USDT pools ($327.1M) and Spark Savings has 1 ($406.7M). The best 30-day average is 5.42% on Aave (Ethereum) versus 3.76% on Spark Savings (Ethereum).
Typical pools pay about 5.22% on Aave and 3.76% on Spark Savings; Spark Savings holds more USDT in pools that pass our filters. Median Safety Score: Aave 83/100, Spark Savings 75/100.
Last updated · refreshes every 6 hours (next ≈ 06:07 UTC) · Data: DefiLlama ↗
Aave best
5.42%
USDT · Ethereum
Spark Savings best
3.76%
USDT · Ethereum
Aave TVL
$327.1M
6 pools · median safety 83
Spark Savings TVL
$406.7M
1 pools · median safety 75
Every qualifying pool, ranked
SafetyHow it's scored
7 options match
- 1
Aave V3
USDT · Ethereum
5.42%30d avg
Now 5.48%TVL $60.2MSteadySteadyDetails
Safety scoreConfidence: High (100% of weighted inputs known)- Protocol size (TVL) · 12%100$15.4B deposited across the whole protocol (full marks at $10B, zero at $10M).
- Pool size (TVL) · 10%59$60M in this pool (full marks at $1B, zero at $1M).
- Protocol age · 10%100Listed on DefiLlama 4.6 years ago (full marks at 4 years).
- Audits · 12%100Two or more audits listed on DefiLlama. Audits lower, not remove, bug risk.
- Hack history · 12%25Aave V3 hacked Mar 2026, $862K lost, funds mostly returned.
- APY volatility · 14%95APY has been steady: today 5.48% vs 30-day average 5.42%.
- Reward-token reliance · 10%6931% of today's rate is paid in reward tokens, which can fall in price or stop.
- Stablecoin peg health · 12%100USDT's worst daily price in the past year was 0.21% off $1.
- Impermanent-loss risk · 8%100Single asset: no impermanent-loss risk flagged.
DefiLlama's APY outlook: Stable/Up (shown for information, not scored).
Safer = 80 or more. Fewer red flags in public data, not a guarantee and not financial advice. How the score works
- Note
- Umbrella
- Reward tokens
- 1.69% of the rate is paid in reward tokens, which can fall in price.
- Source
- DefiLlama pool page ↗Aave V3 website ↗
- 2
Aave V3
USDT0 · Monad
5.39%30d avg
Now 5.57%TVL $17.2MSteadySteadyDetails
Safety scoreConfidence: High (100% of weighted inputs known)- Protocol size (TVL) · 12%100$15.4B deposited across the whole protocol (full marks at $10B, zero at $10M).
- Pool size (TVL) · 10%41$17M in this pool (full marks at $1B, zero at $1M).
- Protocol age · 10%100Listed on DefiLlama 4.6 years ago (full marks at 4 years).
- Audits · 12%100Two or more audits listed on DefiLlama. Audits lower, not remove, bug risk.
- Hack history · 12%25Aave V3 hacked Mar 2026, $862K lost, funds mostly returned.
- APY volatility · 14%81APY has been steady: today 5.57% vs 30-day average 5.39%.
- Reward-token reliance · 10%4753% of today's rate is paid in reward tokens, which can fall in price or stop.
- Stablecoin peg health · 12%100USDT's worst daily price in the past year was 0.21% off $1.
- Impermanent-loss risk · 8%100Single asset: no impermanent-loss risk flagged.
DefiLlama's APY outlook: Down (shown for information, not scored).
Moderate = 60–79. Fewer red flags in public data, not a guarantee and not financial advice. How the score works
- Reward tokens
- 2.95% of the rate is paid in reward tokens, which can fall in price.
- Source
- DefiLlama pool page ↗Aave V3 website ↗
- 3
Aave V4
USDT · Avalanche
5.22%30d avg
Now 5.91%TVL $33.5MRisingSteadyDetails
Safety scoreConfidence: High (100% of weighted inputs known)- Protocol size (TVL) · 12%62$736M deposited across the whole protocol (full marks at $10B, zero at $10M).
- Pool size (TVL) · 10%51$34M in this pool (full marks at $1B, zero at $1M).
- Protocol age · 10%15Listed on DefiLlama 7 months ago (full marks at 4 years).
- Audits · 12%100Two or more audits listed on DefiLlama. Audits lower, not remove, bug risk.
- Hack history · 12%75Aave V3 (same team, different product) hacked Mar 2026, $862K lost, funds mostly returned.
- APY volatility · 14%67APY moves around: today 5.91% vs 30-day average 5.22%.
- Reward-token reliance · 10%1387% of today's rate is paid in reward tokens, which can fall in price or stop.
- Stablecoin peg health · 12%100USDT's worst daily price in the past year was 0.21% off $1.
- Impermanent-loss risk · 8%100Single asset: no impermanent-loss risk flagged.
DefiLlama's APY outlook: Down (shown for information, not scored).
Moderate = 60–79. Fewer red flags in public data, not a guarantee and not financial advice. How the score works
- Note
- Core
- Reward tokens
- 5.17% of the rate is paid in reward tokens, which can fall in price.
- Source
- DefiLlama pool page ↗Aave V4 website ↗
- 4
Aave V3
USDT0 · Plasma
4.54%30d avg
Now 4.73%TVL $43.0MSteadySteadyDetails
Safety scoreConfidence: High (100% of weighted inputs known)- Protocol size (TVL) · 12%100$15.4B deposited across the whole protocol (full marks at $10B, zero at $10M).
- Pool size (TVL) · 10%54$43M in this pool (full marks at $1B, zero at $1M).
- Protocol age · 10%100Listed on DefiLlama 4.6 years ago (full marks at 4 years).
- Audits · 12%100Two or more audits listed on DefiLlama. Audits lower, not remove, bug risk.
- Hack history · 12%25Aave V3 hacked Mar 2026, $862K lost, funds mostly returned.
- APY volatility · 14%88APY has been steady: today 4.73% vs 30-day average 4.54%.
- Reward-token reliance · 10%8713% of today's rate is paid in reward tokens, which can fall in price or stop.
- Stablecoin peg health · 12%100USDT's worst daily price in the past year was 0.21% off $1.
- Impermanent-loss risk · 8%100Single asset: no impermanent-loss risk flagged.
DefiLlama's APY outlook: Down (shown for information, not scored).
Safer = 80 or more. Fewer red flags in public data, not a guarantee and not financial advice. How the score works
- Reward tokens
- 0.59% of the rate is paid in reward tokens, which can fall in price.
- Source
- DefiLlama pool page ↗Aave V3 website ↗
- 5
Aave V3
USDT0 · Mantle
4.44%30d avg
Now 4.43%TVL $14.2MSteadySteadyDetails
Safety scoreConfidence: High (100% of weighted inputs known)- Protocol size (TVL) · 12%100$15.4B deposited across the whole protocol (full marks at $10B, zero at $10M).
- Pool size (TVL) · 10%38$14M in this pool (full marks at $1B, zero at $1M).
- Protocol age · 10%100Listed on DefiLlama 4.6 years ago (full marks at 4 years).
- Audits · 12%100Two or more audits listed on DefiLlama. Audits lower, not remove, bug risk.
- Hack history · 12%25Aave V3 hacked Mar 2026, $862K lost, funds mostly returned.
- APY volatility · 14%91APY has been steady: today 4.43% vs 30-day average 4.44%.
- Reward-token reliance · 10%8416% of today's rate is paid in reward tokens, which can fall in price or stop.
- Stablecoin peg health · 12%100USDT's worst daily price in the past year was 0.21% off $1.
- Impermanent-loss risk · 8%100Single asset: no impermanent-loss risk flagged.
DefiLlama's APY outlook: Down (shown for information, not scored).
Safer = 80 or more. Fewer red flags in public data, not a guarantee and not financial advice. How the score works
- Reward tokens
- 0.70% of the rate is paid in reward tokens, which can fall in price.
- Source
- DefiLlama pool page ↗Aave V3 website ↗
- 6
Aave V3
USDT · Ethereum
3.86%30d avg
Now 3.79%TVL $159.1MSteadySteadyDetails
Safety scoreConfidence: High (100% of weighted inputs known)- Protocol size (TVL) · 12%100$15.4B deposited across the whole protocol (full marks at $10B, zero at $10M).
- Pool size (TVL) · 10%73$159M in this pool (full marks at $1B, zero at $1M).
- Protocol age · 10%100Listed on DefiLlama 4.6 years ago (full marks at 4 years).
- Audits · 12%100Two or more audits listed on DefiLlama. Audits lower, not remove, bug risk.
- Hack history · 12%25Aave V3 hacked Mar 2026, $862K lost, funds mostly returned.
- APY volatility · 14%76APY moves around: today 3.79% vs 30-day average 3.86%.
- Reward-token reliance · 10%100None of the rate depends on reward tokens.
- Stablecoin peg health · 12%100USDT's worst daily price in the past year was 0.21% off $1.
- Impermanent-loss risk · 8%100Single asset: no impermanent-loss risk flagged.
DefiLlama's APY outlook: Down (shown for information, not scored).
Safer = 80 or more. Fewer red flags in public data, not a guarantee and not financial advice. How the score works
- 7
Spark Savings
USDT · Ethereum
3.76%30d avg
Now 4.00%TVL $406.7MSteadySteadyDetails
Safety scoreConfidence: High (100% of weighted inputs known)- Protocol size (TVL) · 12%71$1.3B deposited across the whole protocol (full marks at $10B, zero at $10M).
- Pool size (TVL) · 10%87$407M in this pool (full marks at $1B, zero at $1M).
- Protocol age · 10%28Listed on DefiLlama 1.1 years ago (full marks at 4 years).
- Audits · 12%0No audits listed on DefiLlama.
- Hack history · 12%100No hacks recorded for this protocol in DefiLlama's hacks database.
- APY volatility · 14%91APY has been steady: today 4.00% vs 30-day average 3.76%.
- Reward-token reliance · 10%100None of the rate depends on reward tokens.
- Stablecoin peg health · 12%100USDT's worst daily price in the past year was 0.21% off $1.
- Impermanent-loss risk · 8%100Single asset: no impermanent-loss risk flagged.
DefiLlama's APY outlook: Stable/Up (shown for information, not scored).
Moderate = 60–79. Fewer red flags in public data, not a guarantee and not financial advice. How the score works
Education, not financial advice. Rates change; DeFi carries smart-contract and depeg risk. Do your own research.
Questions
Which pays more on USDT, Aave or Spark Savings?
Right now Aave's best USDT pool has the higher 30-day average (5.42%, USDT on Ethereum) against 3.76% for Spark Savings. Comparing typical pools instead of the best one: Aave 5.22%, Spark Savings 3.76%.
Which is safer for USDT, Aave or Spark Savings?
Neither is risk-free. On our Safety Score the typical (median) Aave pool here scores 83/100 and the typical Spark Savings pool 75/100. Aave's top-paying pool scores 83/100 (Safer); Spark Savings's scores 75/100 (Moderate). Open any row for the factor-by-factor breakdown.
Which has more USDT deposited?
Across pools that pass our filters, Aave holds $327.1M and Spark Savings holds $406.7M. More deposits mean more people trust the pool, but not that it is safe.
How are the pools chosen?
We include every USDT pool from either protocol that passes our standard filters: single-asset stablecoin pools with no impermanent loss, at least $10.0M deposited, 30+ days of history and a rate no higher than 25%. Both protocols' versions are grouped together.
How often is this comparison updated?
Every 6 hours, from DefiLlama. Last updated Nov 2, 2026, 03:57 UTC. If the two protocols stop having 3+ qualifying pools between them, this page is removed.
Learn more
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