USDAT interest rates: staking, lending and yield farming
Every liquid DeFi pool that includes USDAT: 10 pools across 3 protocols and 3 chains. Live APY with base/reward split, 30-day average and risk flags. Updated 2 h ago
| Pool | APY | 30d avg | TVL ▾ | 30d | Risk | Chain | |
|---|---|---|---|---|---|---|---|
| PT-USDAT-14JAN2027 Morpho Blue | 0.98% base 0.00% + reward 0.98% | 0.27% | $19.5M | LP IL Reward-heavy Stable/Up | Monad | Deposit ↗ | |
| USDC-USDAT Curve DEX | 0.20% base 0.20% | 0.63% | $9.2M | — | Stable LP Stable/Up | Ethereum | Deposit ↗ |
| USDAT Pendle V2 · For buying PT-USDat-14JAN2027 | 6.96% base 6.96% | 6.63% | $5.9M | — | Stable Single Stable/Up | Ethereum | Deposit ↗ |
| USDAT Pendle V2 · For LP | Maturity 14JAN2027 | 5.19% base 4.61% + reward 0.58% | 5.06% | $5.9M | — | Stable Single Stable/Up | Ethereum | Deposit ↗ |
| USDAT-USDC Curve DEX | 0.00% base 0.00% | 0.00% | $2.3M | — | Stable LP | Monad | Deposit ↗ |
| USDAT Pendle V2 · For buying PT-USDat-14JAN2027 | 7.19% base 7.19% | 6.78% | $1.5M | — | Stable Single Down | Monad | Deposit ↗ |
| USDAT Pendle V2 · For LP | Maturity 14JAN2027 | 7.42% base 4.16% + reward 3.26% | 6.61% | $1.5M | — | Stable Single Down | Monad | Deposit ↗ |
By protocol
- Morpho Bluebest 0.27% · 1 pools · $19.5M
- Pendle V2best 6.78% · 4 pools · $14.8M
- Curve DEXbest 0.20% · 2 pools · $11.6M
Borrow USDAT 2 markets
Top single-asset USDAT pools by APY TVL ≥ $1M
- Pendle V2 Monad · For LP | Maturity 14JAN20277.42% · 30d 6.61% · $1.5M
- Pendle V2 Monad · For buying PT-USDat-14JAN20277.19% · 30d 6.78% · $1.5M
- Pendle V2 Ethereum · For buying PT-USDat-14JAN20276.96% · 30d 6.63% · $5.9M
- Pendle V2 Ethereum · For LP | Maturity 14JAN20275.19% · 30d 5.06% · $5.9M
Paired with USDAT
How to earn on USDAT
Single-asset options (lending, staking, savings vaults) pay interest without exposing you to another token; your USDAT balance grows and you can withdraw the same asset. Liquidity pairs earn trading fees plus rewards but hold USDAT 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.