Why is the USDT Safety Score 93/100?

The score is calculated based on asset stability, protocol audit history, and chain security, then adjusted for liquidity depth ($220,461,002) and utilisation rates.

Safety Audit: USDT on Compound V3

Safety Score Calculation Methodology

Base Score (Typically 60-80 pts)

Weighted Average Formula:
Base = (Asset Score × 0.4) + (Protocol Score × 0.4) + (Chain Score × 0.2)

Risk Penalties

Low TVL (<$1M): -5 to -15 pts
Very High Util (>90%): -10 pts (withdrawal risk)
Extreme APY (>15%): -5 to -10 pts (volatility risk)
Smart Contract Risk: -20 pts if audits are outdated

Deep Dive DeFi Risk Audit Report

Risk vs. Reward Ratio

Offering a yield of 3.33% with a safety score of 93/100, this represents an ideal 'sweet spot'. The protocol has minimised technical vectors of attack, making it suitable for conservative approach focusing on capital preservation. Investors are essentially insuring the protocol against failure; ensuring the premium (APY) matches the risk is crucial.

Capital Fluidity

The pool maintains an optimal utilisation equilibrium of 83.20%. This points to a healthy balance between borrowing demand and lending supply, ensuring yields remain competitive without compromising solvency. High utilisation can lead to 'frozen' funds. Conversely, The liquidity depth currently stands at $220,461,002. For potential entrants, this volume serves as a primary buffer against turbulence, ensuring that typical retail exits can occur without impactful price deviation., ensuring that under normal market conditions, withdrawals remain fluid.

Chain-Specific Risks

Operating on Ethereum, this pool inherits the underlying consensus security of the network. We factor in the centralisation ratio of the chain itself into the final Safety Score.

Understanding DeFi Risks

What is Smart Contract Risk? Smart contract risk refers to the possibility of bugs or vulnerabilities in the code governing the protocol. Even audited protocols can suffer exploits if unforeseen vectors are discovered.

What is Financial Risk? Financial risk involves market factors like liquidity crises (inability to withdraw) or asset de-pegging. Our score penalizes low liquidity pools to account for this.

Is the Safety Score a guarantee? No. The score is a probabilistic assessment based on historical data and current metrics. It cannot predict "black swan" events or zero-day exploits.

Data Analytics by MooniTooki ID VERIFIED

Passed Govt ID & Sanctions Screening Note: USBC app required to view Profile/Badge Chief Data Architect and Founder at DeFiStar.io Follow on X | Medium | Paragraph | Buy me a coffee

DeFiStar.io Analytics Engine

HOURLY SYNC: ACTIVE

Status: NODE_VERIFIED . Environment integrity confirmed for the 17:00 UTC hourly window. Last data fetch: 17:00 UTC. MooniTooki’s identity is Verified via the GlobaliD network. To view secure profile data and verification badges, the USBC mobile app is required.

Sync Tolerance: <60s Drift Verified | Sampling: 24/24 Snapshot Density | Auth Tag: DFS-260123-1744-acb0 | Precision: Institutional (Hourly)

Support DeFiStar.io via Citation

Source: DeFiStar.io (2026). "DeFi Yield Analytics". Analytics by MooniTooki. Ref: DFS-260123-1744-acb0. Retrieved 23 Jan 2026, 17:44 UTC

Data Source: Internal indexer. Active Tracking verified at: 23 Jan 2026, 17:05 UTC.
Disclaimer: This audit is an automated analysis tool for educational purposes. Smart contract risk is never zero. Always conduct your own due diligence (DYOR) before depositing funds. Terms of Service apply.

Real-time Stablecoin Yields Tracker