Tether
USDT
Best Rates
Best Supply APY
10.33%
Morpho Blue 
Ethereum Lowest Borrow APY
3.48%
Spark Ethereum Available Markets (4 protocols, 2 chains)
Compare rates →| Protocol | Chain | Supply APY | Borrow APY | TVL |
|---|---|---|---|---|
 Aave V3 | Ethereum | 3.35% | 4.07% | $3.0B |
| Spark | Ethereum | 2.62% | 3.48% | $377.1M |
 Compound V3 | Ethereum | 3.05% | 3.85% | $179.7M |
| Compound V3 |  Arbitrum | 2.61% | 3.51% | $14.6M |
| Morpho Blue
Best
| Ethereum | 10.33% | 13.69% | $23.3K |
| Aave V3 | Arbitrum | 3.10% | 3.96% | — |
Aave V3 Ethereum Supply APY
3.35%
Borrow APY
4.07%
TVL
$3.0B
Spark Ethereum Supply APY
2.62%
Borrow APY
3.48%
TVL
$377.1M
Compound V3 Ethereum Supply APY
3.05%
Borrow APY
3.85%
TVL
$179.7M
Compound V3 Arbitrum Supply APY
2.61%
Borrow APY
3.51%
TVL
$14.6M
Morpho Blue Ethereum Supply APY
10.33%
Borrow APY
13.69%
TVL
$23.3K
Aave V3 Arbitrum Supply APY
3.10%
Borrow APY
3.96%
TVL
—
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 10.33%, 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 3.48%. 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.