{"slug":"usdt-lending-rates","question":"Where can I earn the most interest on USDT right now?","answer":"26 USDT markets and vaults in our data state a yield.","shortAnswer":"26 USDT markets and vaults in our data state a yield. The highest right now is Lista Lending — USDT lending on Ethereum at 5.84% (variable, DefiLlama 2026-10-19). The range runs from 0.30% (Aave V4 — USDT lending (Core) on Avalanche) to 5.84%. Yields are variable and not guaranteed.","asOf":"2026-10-19","faq":[{"q":"Which of them can I buy without KYC?","a":"None of them is stated as buyable without KYC."},{"q":"Where does the yield of the top five come from?","a":"DL-LISTALENDING-USDT-ETHEREUM: Interest paid by borrowers. DL-RHEALEND-USDT-NEAR: Interest paid by borrowers. DL-MAPLE-USDT-ETHEREUM: Interest paid by borrowers. DL-AAVEV3-USDT0-MONAD: Interest paid by borrowers. DL-AAVEV3-USDT-ETHEREUM-A90D: Interest paid by borrowers."},{"q":"Which is the largest?","a":"By size, DL-MAPLE-USDT-ETHEREUM at $731M, followed by DL-SPARKSAVINGS-USDT-ETHEREUM at $692M and DL-AAVEV3-USDT-ETHEREUM-F981 at $421M. Size is not safety, but a larger product usually means a deeper market to sell into."},{"q":"Are these yields fixed?","a":"26 of 26 are variable: the rate moves with markets and is not guaranteed. The figures on this page were last checked on 2026-10-19."}],"count":26,"rows":[{"ticker":"DL-LISTALENDING-USDT-ETHEREUM","name":"Lista Lending — USDT lending on Ethereum","issuer":"Lista Lending (protocol)","category":"DeFi Lending","yield":"5.84% (variable, DefiLlama 2026-10-19)","yieldPct":5.84,"yieldKind":"variable","minimumUsd":null,"size":"$4.1M","chains":"Ethereum","country":"Decentralized protocol","kycSecondary":"unknown","maturity":null,"lifecycle":"live","isin":null,"contract":null,"source":"https://defillama.com/yields/pool/5e953c59-150a-4e1a-a117-3db74c7c8591","lastVerified":"2026-10-19","tier":"imported","page":"https://tokenbank.world/token/DL-LISTALENDING-USDT-ETHEREUM","json":"https://tokenbank.world/api/tokens/DL-LISTALENDING-USDT-ETHEREUM"},{"ticker":"DL-RHEALEND-USDT-NEAR","name":"Rhea Lend — USDT lending on Near","issuer":"Rhea Lend (protocol)","category":"DeFi Lending","yield":"5.66% (variable, DefiLlama 2026-10-19)","yieldPct":5.66,"yieldKind":"variable","minimumUsd":null,"size":"$2.4M","chains":"Near","country":"Decentralized protocol","kycSecondary":"unknown","maturity":null,"lifecycle":"live","isin":null,"contract":null,"source":"https://defillama.com/yields/pool/d4c96d26-5869-5771-90d5-08fd54e1455e","lastVerified":"2026-10-19","tier":"imported","page":"https://tokenbank.world/token/DL-RHEALEND-USDT-NEAR","json":"https://tokenbank.world/api/tokens/DL-RHEALEND-USDT-NEAR"},{"ticker":"DL-MAPLE-USDT-ETHEREUM","name":"Maple — USDT lending (Syrup USDT) on Ethereum","issuer":"Maple (protocol)","category":"DeFi Lending","yield":"5.53% (variable, DefiLlama 2026-10-19)","yieldPct":5.53,"yieldKind":"variable","minimumUsd":null,"size":"$730.7M","chains":"Ethereum","country":"Decentralized protocol","kycSecondary":"unknown","maturity":null,"lifecycle":"live","isin":null,"contract":null,"source":"https://defillama.com/yields/pool/8edfdf02-cdbb-43f7-bca6-954e5fe56813","lastVerified":"2026-10-19","tier":"imported","page":"https://tokenbank.world/token/DL-MAPLE-USDT-ETHEREUM","json":"https://tokenbank.world/api/tokens/DL-MAPLE-USDT-ETHEREUM"},{"ticker":"DL-AAVEV3-USDT0-MONAD","name":"Aave V3 — USDT0 lending on Monad","issuer":"Aave V3 (protocol)","category":"DeFi Lending","yield":"4.81% (variable, DefiLlama 2026-10-19)","yieldPct":4.81,"yieldKind":"variable","minimumUsd":null,"size":"$13.2M","chains":"Monad","country":"Decentralized protocol","kycSecondary":"unknown","maturity":null,"lifecycle":"live","isin":null,"contract":null,"source":"https://defillama.com/yields/pool/8bba1554-1318-54ad-9143-0972406e9428","lastVerified":"2026-10-19","tier":"imported","page":"https://tokenbank.world/token/DL-AAVEV3-USDT0-MONAD","json":"https://tokenbank.world/api/tokens/DL-AAVEV3-USDT0-MONAD"},{"ticker":"DL-AAVEV3-USDT-ETHEREUM-A90D","name":"Aave V3 — USDT lending (Umbrella) on Ethereum","issuer":"Aave V3 (protocol)","category":"DeFi Lending","yield":"4.77% (variable, DefiLlama 2026-10-19)","yieldPct":4.77,"yieldKind":"variable","minimumUsd":null,"size":"$62.5M","chains":"Ethereum","country":"Decentralized protocol","kycSecondary":"unknown","maturity":null,"lifecycle":"live","isin":null,"contract":null,"source":"https://defillama.com/yields/pool/a90d554a-b548-4f50-b03e-9dcb724b7777","lastVerified":"2026-10-19","tier":"imported","page":"https://tokenbank.world/token/DL-AAVEV3-USDT-ETHEREUM-A90D","json":"https://tokenbank.world/api/tokens/DL-AAVEV3-USDT-ETHEREUM-A90D"},{"ticker":"DL-FLUIDLENDING-USDT0-PLASMA","name":"Fluid Lending — USDT0 lending on Plasma","issuer":"Fluid Lending (protocol)","category":"DeFi Lending","yield":"4.64% (variable, DefiLlama 2026-10-19)","yieldPct":4.64,"yieldKind":"variable","minimumUsd":null,"size":"$20.2M","chains":"Plasma","country":"Decentralized protocol","kycSecondary":"unknown","maturity":null,"lifecycle":"live","isin":null,"contract":null,"source":"https://defillama.com/yields/pool/21e972fb-b330-4289-8bfa-6a14e925ecdb","lastVerified":"2026-10-19","tier":"imported","page":"https://tokenbank.world/token/DL-FLUIDLENDING-USDT0-PLASMA","json":"https://tokenbank.world/api/tokens/DL-FLUIDLENDING-USDT0-PLASMA"},{"ticker":"DL-JUPITERLEND-USDT-SOLANA","name":"Jupiter Lend — USDT lending (Earn) on Solana","issuer":"Jupiter Lend (protocol)","category":"DeFi Lending","yield":"4.46% (variable, DefiLlama 2026-10-19)","yieldPct":4.46,"yieldKind":"variable","minimumUsd":null,"size":"$17.1M","chains":"Solana","country":"Decentralized protocol","kycSecondary":"unknown","maturity":null,"lifecycle":"live","isin":null,"contract":null,"source":"https://defillama.com/yields/pool/a2fbc7ec-22c2-43fe-aa42-49f854aa940d","lastVerified":"2026-10-19","tier":"imported","page":"https://tokenbank.world/token/DL-JUPITERLEND-USDT-SOLANA","json":"https://tokenbank.world/api/tokens/DL-JUPITERLEND-USDT-SOLANA"},{"ticker":"DL-AAVEV3-USDT0-MANTLE","name":"Aave V3 — USDT0 lending on Mantle","issuer":"Aave V3 (protocol)","category":"DeFi Lending","yield":"4.45% (variable, DefiLlama 2026-10-19)","yieldPct":4.45,"yieldKind":"variable","minimumUsd":null,"size":"$21.1M","chains":"Mantle","country":"Decentralized protocol","kycSecondary":"unknown","maturity":null,"lifecycle":"live","isin":null,"contract":null,"source":"https://defillama.com/yields/pool/47da0cdd-7b1d-4927-9545-20b53b73afa8","lastVerified":"2026-10-19","tier":"imported","page":"https://tokenbank.world/token/DL-AAVEV3-USDT0-MANTLE","json":"https://tokenbank.world/api/tokens/DL-AAVEV3-USDT0-MANTLE"},{"ticker":"DL-COMPOUNDV3-USDT-ETHEREUM","name":"Compound V3 — USDT lending on Ethereum","issuer":"Compound V3 (protocol)","category":"DeFi Lending","yield":"4.43% (variable, DefiLlama 2026-10-19)","yieldPct":4.43,"yieldKind":"variable","minimumUsd":null,"size":"$15.5M","chains":"Ethereum","country":"Decentralized protocol","kycSecondary":"unknown","maturity":null,"lifecycle":"live","isin":null,"contract":null,"source":"https://defillama.com/yields/pool/f4d5b566-e815-4ca2-bb07-7bcd8bc797f1","lastVerified":"2026-10-19","tier":"imported","page":"https://tokenbank.world/token/DL-COMPOUNDV3-USDT-ETHEREUM","json":"https://tokenbank.world/api/tokens/DL-COMPOUNDV3-USDT-ETHEREUM"},{"ticker":"DL-KAMINOLEND-USDT-SOLANA","name":"Kamino Lend — USDT lending (Galaxy USDT) on Solana","issuer":"Kamino Lend (protocol)","category":"DeFi Lending","yield":"4.4% (variable, DefiLlama 2026-10-19)","yieldPct":4.4,"yieldKind":"variable","minimumUsd":null,"size":"$2.6M","chains":"Solana","country":"Decentralized 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protocol","kycSecondary":"unknown","maturity":null,"lifecycle":"live","isin":null,"contract":null,"source":"https://defillama.com/yields/pool/4e8cc592-c8d5-4824-8155-128ba521e903","lastVerified":"2026-10-19","tier":"imported","page":"https://tokenbank.world/token/DL-FLUIDLENDING-USDT-ETHEREUM","json":"https://tokenbank.world/api/tokens/DL-FLUIDLENDING-USDT-ETHEREUM"},{"ticker":"DL-SPARKSAVINGS-USDT-ETHEREUM","name":"Spark Savings — USDT vault on Ethereum","issuer":"Spark Savings (protocol)","category":"DeFi Lending","yield":"3.75% (variable, DefiLlama 2026-10-19)","yieldPct":3.75,"yieldKind":"variable","minimumUsd":null,"size":"$692.3M","chains":"Ethereum","country":"Decentralized protocol","kycSecondary":"unknown","maturity":null,"lifecycle":"live","isin":null,"contract":null,"source":"https://defillama.com/yields/pool/a5d67f7e-5b51-4a9d-969d-caf051a7f5a4","lastVerified":"2026-10-19","tier":"imported","page":"https://tokenbank.world/token/DL-SPARKSAVINGS-USDT-ETHEREUM","json":"https://tokenbank.world/api/tokens/DL-SPARKSAVINGS-USDT-ETHEREUM"},{"ticker":"DL-AAVEV3-USDT0-PLASMA","name":"Aave V3 — USDT0 lending on Plasma","issuer":"Aave V3 (protocol)","category":"DeFi Lending","yield":"3.74% (variable, DefiLlama 2026-10-19)","yieldPct":3.74,"yieldKind":"variable","minimumUsd":null,"size":"$76.3M","chains":"Plasma","country":"Decentralized 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Not investment advice. Verify each row’s source before relying on it."}