USDT0 interest rates: staking, lending and yield farming
Every liquid DeFi pool that includes USDT0: 52 pools across 18 protocols and 7 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 | |
|---|---|---|---|---|---|---|---|
| USDT0 Aave V3 | 3.89% base 3.89% | 4.86% | $45.3M | Stable Single Stable/Up | Plasma | Deposit ↗ | |
| USDT0 Fluid Lending | 5.26% base 5.26% | 6.37% | $30.7M | Stable Single Stable/Up | Plasma | Deposit ↗ | |
| USDT0 Aave V3 | 4.46% base 2.96% + reward 1.49% | 4.14% | $21.8M | Stable Single Down | Mantle | Deposit ↗ | |
| USDT0 Aave V3 | 3.09% base 3.09% | 3.18% | $11.4M | Stable Single Stable/Up | Polygon | Deposit ↗ | |
| USDT0 Aave V3 | 6.01% base 4.14% + reward 1.88% | 6.07% | $5.1M | — | Stable Single Stable/Up | Monad | Deposit ↗ |
| USDT0-WETH Fluxion Network · 0.3% | 13.46% base 13.46% | 9.31% | $5.0M | — | LP IL Stable/Up | Mantle | Deposit ↗ |
| AUSD-USDC-USDT0 Curve DEX | 5.36% base 0.00% + reward 5.36% | 10.53% | $2.3M | — | Stable LP Reward-heavy Stable/Up | Monad | Deposit ↗ |
By protocol
- Aave V3best 6.01% · 4 pools · $83.6M
- Fluid Lendingbest 5.26% · 1 pools · $30.7M
- Fluxion Networkbest 9.31% · 1 pools · $5.0M
- Curve DEXbest 5.36% · 1 pools · $2.3M
Borrow USDT0 7 markets
| Market | Chain | Borrow APY | Supply APY | Supplied | Borrowed | LTV |
|---|---|---|---|---|---|---|
| USDT0Aave V3 | Plasma | 4.38% | 3.89% | $697.6M | $652.3M | 75% |
| USDT0Aave V3 | Mantle | 3.82% | 4.46% | $156.2M | $134.4M | 0% |
| USDT0Aave V3 | Monad | 5.00% | 6.01% | $63.0M | $58.0M | 75% |
| USDT0Aave V3 | Polygon | 6.42% | 3.09% | $31.9M | $20.5M | 70% |
| USDT0Euler V2 | Monad | 6.50% | 5.38% | $6.7M | $6.2M | 0% |
Top single-asset USDT0 pools by APY TVL ≥ $1M
- Aave V3 Monad6.01% · 30d 6.07% · $5.1M
- Fluid Lending Plasma5.26% · 30d 6.37% · $30.7M
- Aave V3 Mantle4.46% · 30d 4.14% · $21.8M
- Aave V3 Plasma3.89% · 30d 4.86% · $45.3M
- Aave V3 Polygon3.09% · 30d 3.18% · $11.4M
Paired with USDT0
How to earn on USDT0
Single-asset options (lending, staking, savings vaults) pay interest without exposing you to another token; your USDT0 balance grows and you can withdraw the same asset. Liquidity pairs earn trading fees plus rewards but hold USDT0 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.