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Real-time Stablecoin Yields Tracker

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Best USDT Interest Rates

Real-time Tether (USDT) yields from 10 liquidity pools. Aggregated from Aave, Compound, and more.

5.16%
Top APY Found
$7,787.6M
Total USDT Tracked
Updated: 23 Jan 2026, 13:04 UTC
Rank Protocol Network Current APY TVL Utilisation Safety Score Link
#1
Venus
BNB Chain 5.16% $288.6M 81.7%
Score: 70 		DEPOSIT
#2
Spark
Ethereum 3.63% $298.0M 84.5%
Score: 90 		DEPOSIT
#3
Compound V3
Ethereum 3.55% $220.6M 88.7%
Score: 88 		DEPOSIT
#4
Aave V3
Ethereum 3.34% $6,847.0M 86.9%
Score: 90 		DEPOSIT
#5
Compound V3
Polygon 3.30% $1.8M 82.5%
Score: 65 		DEPOSIT
#6
Aave V3
Optimism 3.23% $9.2M 85.8%
Score: 70 		DEPOSIT
#7
Compound V3
Optimism 3.15% $4.4M 78.7%
Score: 79 		DEPOSIT
#8
Compound V3
Arbitrum 2.85% $23.0M 71.3%
Score: 77 		DEPOSIT
#9
Aave V3
BNB Chain 2.74% $94.6M 76.9%
Score: 70 		DEPOSIT
#10
Spark
Gnosis 0.65% $0.4M 28.9%
Score: 37 		DEPOSIT

The "Tether Premium" Explained

You may notice USDT yields are often 0.5% to 1.5% higher than USDC yields on the same protocol. In DeFi, this is known as the "Tether Premium".

Why does this happen?
USDT is the most liquid stablecoin for trading (especially on CEXs and Tron), creating massive borrowing demand from market makers. However, some Western institutions prefer USDC for its transparency. This slight imbalance—high demand but slightly more fragmented supply on Ethereum DeFi—often drives up the APY for lenders.

Strategy: If you are comfortable with Tether's risk profile, lending USDT on layer-2s like Arbitrum or Optimism often yields the highest risk-adjusted returns due to incentive programs.

Market Stats

  • Avg APY: 3.16%
  • Dominant Chain: BNB Chain
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Data Analytics by MooniTooki ID VERIFIED
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DeFiStar.io Analytics Engine
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Sync Tolerance: <60s Drift Verified | Sampling: 24/24 Snapshot Density | Auth Tag: DFS-260123-1340-92aa | Precision: Institutional (Hourly)
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Source: DeFiStar.io (2026). "DeFi Yield Analytics". Analytics by MooniTooki. Ref: DFS-260123-1340-92aa. Retrieved 23 Jan 2026, 13:40 UTC

Data Sources: Real-time on-chain data aggregated from Aave, Compound, and Spark.
Risk Warning: USDT is issued by Tether Limited. Past performance does not guarantee future results.
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