Tether
USDT
$0.999877
Best Rates
Best Supply APY
3.72%
Morpho Blue 
Ethereum Lowest Borrow APY
3.24%
Compound V3 
Arbitrum Available Markets (4 protocols, 2 chains)
Compare rates →| Protocol | Chain | Supply APY | Borrow APY | TVL |
|---|---|---|---|---|
 Aave V3 | Ethereum | 3.24% | 3.96% | $2.0B |
 Spark | Ethereum | 2.71% | 3.43% | $489.9M |
| Compound V3 | Ethereum | 3.04% | 3.85% | $182.0M |
| Aave V3 | Arbitrum | 2.95% | 3.82% | $53.4M |
| Compound V3 | Arbitrum | 2.25% | 3.24% | $19.8M |
| Morpho Blue
Best
| Ethereum | 3.72% | 4.39% | $144.4K |
Aave V3 Ethereum Supply APY
3.24%
Borrow APY
3.96%
TVL
$2.0B
Spark Ethereum Supply APY
2.71%
Borrow APY
3.43%
TVL
$489.9M
Compound V3 Ethereum Supply APY
3.04%
Borrow APY
3.85%
TVL
$182.0M
Aave V3 Arbitrum Supply APY
2.95%
Borrow APY
3.82%
TVL
$53.4M
Compound V3 Arbitrum Supply APY
2.25%
Borrow APY
3.24%
TVL
$19.8M
Morpho Blue Ethereum Supply APY
3.72%
Borrow APY
4.39%
TVL
$144.4K
Rate History
Supply APYBorrow APY
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USDT is available for lending and borrowing across 6 markets on Aave V3, Compound V3, Morpho Blue, Spark, deployed on ethereum, arbitrum.
USDT is available for lending and borrowing across 6 markets on Aave V3, Compound V3, Morpho Blue, Spark, deployed on ethereum, arbitrum. The current best supply APY for USDT is 3.72%, allowing lenders to earn yield by depositing USDT into a lending pool. Borrowers can use other assets as collateral to borrow USDT, with the lowest borrow rate at 3.24%. Supply and borrow rates are determined by utilization — when demand for borrowing increases, rates rise for both suppliers and borrowers. USDT rates are polled every 5 minutes directly from on-chain smart contracts. For real-time position monitoring and liquidation alerts, use DeFi Monitor.