Tether USD₮0 (USD₮0) interest rates: staking, lending and yield farming
Every liquid DeFi pool that includes USD₮0: 96 pools across 26 protocols and 9 chains. Live APY with base/reward split, 30-day average and risk flags. Updated 2 h ago
5.23%
Best single-asset APY
37.09%
Best APY incl. pairs
3.23%
Median APY
$132.3M
Liquidity in USD₮0 pools
19 / 96
Single-asset / all pools
Best single-asset option right now: 5.23% at HyperLend Pooled on Hyperliquid ($1.5M TVL, 30d avg 5.62%).
| Pool | APY | 30d avg | TVL ▾ | 30d | Risk | Chain | |
|---|---|---|---|---|---|---|---|
| USD₮0 Fluid Lending | 4.32% base 4.32% | 5.43% | $47.5M | Single Stable/Up | Arbitrum | Deposit ↗ | |
| SUSDAI-USD₮0 Fluid DEX | 0.13% base 0.13% | 0.15% | $17.7M | LP IL Stable/Up | Arbitrum | Deposit ↗ | |
| USDC-USD₮0 Fluid DEX | 0.49% base 0.49% | 0.55% | $11.6M | LP IL Stable/Up | Arbitrum | Deposit ↗ | |
| USD₮0 Aave V3 | 3.04% base 3.04% | 3.15% | $8.7M | — | Single Stable/Up | Arbitrum | Deposit ↗ |
| USD₮0 Aave V3 | 3.60% base 3.60% | 1.74% | $7.6M | — | Single Stable/Up | Xlayer | Deposit ↗ |
| USD₮0-USDT Velodrome V3 · CL1 - 0.01% | 0.71% + reward 0.71% | 0.24% | $5.3M | — | LP IL Reward-heavy Stable/Up | Optimism | Deposit ↗ |
| USD₮0-USDC.E SparkDEX V3.1 | 0.24% base 0.24% | 0.16% | $5.1M | — | LP IL Stable/Up | Flare | Deposit ↗ |
| USD₮0 Tydro | 2.78% base 2.78% | 3.11% | $2.5M | — | Single Stable/Up | Ink | Deposit ↗ |
| USD₮0-USDC.E SparkDEX V4 | 6.32% base 0.30% + reward 6.01% | 5.99% | $2.0M | — | LP IL Reward-heavy Down | Flare | Deposit ↗ |
| USD₮0 HyperLend Pooled | 5.23% base 5.23% | 5.62% | $1.5M | — | Single Stable/Up | Hyperliquid | Deposit ↗ |
| WFLR-USD₮0 SparkDEX V4 | 37.09% base 16.12% + reward 20.98% | 40.88% | $1.5M | — | LP IL Reward-heavy Down | Flare | Deposit ↗ |
| USD₮0-USDG Velodrome V3 · CL1 - 0.02% | 3.41% + reward 3.41% | 2.27% | $1.4M | — | LP IL Reward-heavy Down | Ink | Deposit ↗ |
| USDC-USD₮0 Ramses CL V2 · CL 0.00% | 21.63% base 2.36% + reward 19.27% | 12.64% | $1.0M | — | LP IL Reward-heavy Down | Hyperliquid | Deposit ↗ |
By protocol
- Fluid Lendingbest 4.32% · 1 pools · $47.5M
- Fluid DEXbest 0.49% · 2 pools · $29.3M
- Aave V3best 3.04% · 2 pools · $16.2M
- Velodrome V3best 2.27% · 2 pools · $6.7M
- SparkDEX V3.1best 0.16% · 1 pools · $5.1M
- SparkDEX V4best 37.09% · 2 pools · $3.4M
- Tydrobest 2.78% · 1 pools · $2.5M
- HyperLend Pooledbest 5.23% · 1 pools · $1.5M
- Ramses CL V2best 12.64% · 1 pools · $1.0M
Borrow USD₮0 10 markets
| Market | Chain | Borrow APY | Supply APY | Supplied | Borrowed | LTV |
|---|---|---|---|---|---|---|
| USD₮0Aave V3 | Xlayer | 4.47% | 3.60% | $71.9M | $64.3M | 70% |
| USD₮0Aave V3 | Arbitrum | 4.06% | 3.04% | $51.4M | $42.7M | 75% |
| USD₮0Kinetic | Flare | 15.14% | 13.58% | $5.3M | $4.9M | 80% |
| USD₮0HyperLend Pooled | Hyperliquid | 8.00% | 5.23% | $5.6M | $4.0M | 62% |
| USD₮0Kinetic | Flare | 21.58% | 15.69% | $2.6M | $2.2M | 80% |
Top single-asset USD₮0 pools by APY TVL ≥ $1M
- HyperLend Pooled Hyperliquid5.23% · 30d 5.62% · $1.5M
- Fluid Lending Arbitrum4.32% · 30d 5.43% · $47.5M
- Aave V3 Xlayer3.60% · 30d 1.74% · $7.6M
- Aave V3 Arbitrum3.04% · 30d 3.15% · $8.7M
- Tydro Ink2.78% · 30d 3.11% · $2.5M
Paired with USD₮0
How to earn on USD₮0
Single-asset options (lending, staking, savings vaults) pay interest without exposing you to another token; your USD₮0 balance grows and you can withdraw the same asset. Liquidity pairs earn trading fees plus rewards but hold USD₮0 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 USD₮0 APY right now?
The highest single-asset rate with at least $1M of liquidity is 5.23% at HyperLend Pooled on Hyperliquid ($1.5M TVL). Including liquidity pairs, USD₮0 pays up to 37.09% at SparkDEX V4. Rates are refreshed hourly; the 30-day average for that pool is 5.62%.
Where can I earn interest on USD₮0?
26 protocols currently list USD₮0 pools. The largest by liquidity: Fluid Lending ($47.5M), Fluid DEX ($29.3M), Aave V3 ($16.2M), Velodrome V3 ($6.7M), SparkDEX V3.1 ($5.1M). Each row in the table links to the protocol’s deposit page.
Can I borrow USD₮0?
10 lending markets let you borrow USD₮0 against collateral. See USD₮0 borrow rates for the cheapest one.
Is USD₮0 yield safe?
It depends on the pool. Single-asset lending and staking avoid impermanent loss; liquidity pairs do not. The median USD₮0 rate across liquid pools is 3.23%; anything far above it usually carries reward-token risk or a very small market. Our methodology explains every column and flag.