Best USDT interest rates (November 2026)
Right now 27 USDT pools pass our safety filters. The best 30-day average is 12.06% on Morpho Blue (Ethereum), and the middle of the pack earns about 4.54%.
Last updated · refreshes hourly · Data: DefiLlama ↗
New to this? Read the 30-second versionQuick explainer
- A stablecoin is a token built to stay worth $1. You can lend it out or deposit it in a protocol and earn interest, paid by borrowers or by what the protocol does with the money.
- We rank by the 30-day average (APY), not today's rate, because rates jump around. Tap + on any row for the risks and a link to the source.
- Higher rates usually mean more risk. None of this is insured like a bank account.
Guide: How stablecoin yields work →How to read these tablesGlossary
27 options match
- 1
Morpho Blue
FCUSDT · Ethereum
12.06%30d avg
Now 10.10%TVL $39.3MFallingDetails
- Reward tokens
- 5.33% of the rate is paid in reward tokens, which can fall in price.
- Source
- DefiLlama pool page ↗Morpho Blue website ↗
- 2
ZEROBASE CeDeFi
USDT · Ethereum
9.00%30d avg
Now 9.00%TVL $14.2MSteadyDetails
- Reward tokens
- 2.00% of the rate is paid in reward tokens, which can fall in price.
- Source
- DefiLlama pool page ↗ZEROBASE CeDeFi website ↗
- 3
ZEROBASE CeDeFi
USDT · BSC
8.76%30d avg
Now 8.76%TVL $16.5MSteadyDetails
- Reward tokens
- 2.00% of the rate is paid in reward tokens, which can fall in price.
- Source
- DefiLlama pool page ↗ZEROBASE CeDeFi website ↗
- 4
Bitway Earn
USDT · BSC
8.00%30d avg
Now 8.00%TVL $21.2MSteadyDetails
- Note
- Core Alpha
- Source
- DefiLlama pool page ↗Bitway Earn website ↗
- 5
Morpho Blue
GTUSDTB · Stable
6.39%30d avg
Now 6.40%TVL $19.8MSteadyDetails
- 6
Aave V3
USDT · Ethereum
5.42%30d avg
Now 5.48%TVL $60.2MSteadyDetails
- 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 ↗
- 7
Aave V3
USDT0 · Monad
5.39%30d avg
Now 5.56%TVL $17.0MSteadyDetails
- Reward tokens
- 2.93% of the rate is paid in reward tokens, which can fall in price.
- Source
- DefiLlama pool page ↗Aave V3 website ↗
- 8
Maple
USDT · Ethereum
5.29%30d avg
Now 4.96%TVL $692.2MSteadyDetails
- Note
- Syrup USDT
- Source
- DefiLlama pool page ↗Maple website ↗
- 9
Aave V4
USDT · Avalanche
5.22%30d avg
Now 5.91%TVL $33.5MRisingDetails
- 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 ↗
- 10
Compound V3
USDT · Ethereum
4.83%30d avg
Now 4.05%TVL $15.5MFallingDetails
- 11
Fluid Lending
USDT · Ethereum
4.74%30d avg
Now 5.99%TVL $119.8MRisingDetails
- 12
Fluid Lending
USDT0 · Plasma
4.71%30d avg
Now 3.66%TVL $15.2MFallingDetails
- 13
Jupiter Lend
USDT · Solana
4.63%30d avg
Now 5.24%TVL $16.4MRisingDetails
- Note
- Earn
- Source
- DefiLlama pool page ↗Jupiter Lend website ↗
- 14
Aave V3
USDT0 · Plasma
4.54%30d avg
Now 4.61%TVL $43.9MSteadyDetails
- Reward tokens
- 0.59% of the rate is paid in reward tokens, which can fall in price.
- Source
- DefiLlama pool page ↗Aave V3 website ↗
- 15
Aave V3
USDT0 · Mantle
4.44%30d avg
Now 4.95%TVL $14.2MRisingDetails
- Reward tokens
- 1.21% of the rate is paid in reward tokens, which can fall in price.
- Source
- DefiLlama pool page ↗Aave V3 website ↗
- 16
Morpho Blue
BBQUSDT · Ethereum
4.22%30d avg
Now 3.80%TVL $20.1MSteadyDetails
- 17
Aave V3
USDT · Ethereum
3.86%30d avg
Now 3.79%TVL $159.6MSteadyDetails
- 18
Spark Savings
USDT · Ethereum
3.76%30d avg
Now 4.00%TVL $406.2MSteadyDetails
- 19
SparkLend
USDT · Ethereum
3.66%30d avg
Now 3.53%TVL $15.1MSteadyDetails
- 20
stUSDT
STUSDT · Tron
3.64%30d avg
Now 3.91%TVL $54.5MSteadyDetails
- 21
Morpho Blue
GUSDTQ · Ethereum
3.60%30d avg
Now 3.02%TVL $10.9MFallingDetails
- 22
Morpho Blue
STEAKUSDT · Ethereum
3.59%30d avg
Now 3.01%TVL $80.9MFallingDetails
- 23
Venus Core Pool
USDT · BSC
3.53%30d avg
Now 4.17%TVL $28.3MRisingDetails
- 24
Morpho Blue
SKYMONEYUSDTSAVINGS · Ethereum
3.48%30d avg
Now 3.19%TVL $59.0MSteadyDetails
- Reward tokens
- 0.66% of the rate is paid in reward tokens, which can fall in price.
- Source
- DefiLlama pool page ↗Morpho Blue website ↗
- 25
Morpho Blue
STEAKUSDT · Ethereum
3.42%30d avg
Now 2.85%TVL $77.9MFallingDetails
Is earning interest on USDT safe?
Safer is not safe. Every pool here is a smart contract that could have a bug, and USDT itself could lose its $1 peg if Tether or its backing runs into trouble. Pools with very high rates often pay part of the yield in reward tokens or lend to riskier borrowers. Pools listed under "USDT" include vaults and wrapped versions built on USDT, which add their own manager or strategy risk. Read the full risk explainer.
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