USDT DeFi Yields
The highest honest USDT yield right now is 41.76% on uniswap-v3 (Ethereum), among 518 pools above the $100K TVL floor. Rates are live from DefiLlama and exclude anomalous (>1000% APY) pools.
518 live pools above the $100K TVL floor · ranked by TVL
USDT's largest live pool is maple on Ethereum at 4.76% ($1B TVL). 518 USDT pools across 2 chains clear this page's $100K TVL floor, $3.41B in total.
Your idle USDT could earn ~3.89% — park $6.2K and it could run a $20/mo Claude Pro subscription, forever.
See live USDT pools →| Protocol | Chain | APY | TVL |
|---|---|---|---|
| maple → | Ethereum | 4.76% | $1B |
| spark-savings → | Ethereum | 3.25% | $366.81M |
| aave-v3 → | Ethereum | 3.37% | $217.67M |
| fluid-lending → | Ethereum | 4.42% | $135.84M |
| uniswap-v3 → | Ethereum | 41.76% | $111.02M |
| aave-v3 → | Ethereum | 4.79% | $72.04M |
| justlend-v1 → | Tron | 2.41% | $66.78M |
| sparklend → | Ethereum | 2.62% | $62.39M |
Rate stability from APY history
Based on APY history only, USDT's lower-variability candidates are spark-savings (Ethereum), 3.25% APY, $366.81M TVL, https://www.defi.garden/?pool=a5d67f7e-5b51-4a9d-969d-caf051a7f5a4&src=seo_token; aave-v3 (Ethereum), 4.79% APY, $72.04M TVL, https://www.defi.garden/?pool=a90d554a-b548-4f50-b03e-9dcb724b7777&src=seo_token; justlend-v1 (Tron), 2.41% APY, $66.78M TVL, https://www.defi.garden/?pool=dac406f6-5600-437e-849d-f03daa383864&src=seo_token; maple (Ethereum), 4.76% APY, $1B TVL, https://www.defi.garden/?pool=8edfdf02-cdbb-43f7-bca6-954e5fe56813&src=seo_token; sparklend (Ethereum), 2.62% APY, $62.39M TVL, https://www.defi.garden/?pool=8fbe28b8-140d-4e37-8804-5d2aba4daded&src=seo_token; aave-v3 (Ethereum), 3.37% APY, $217.67M TVL, https://www.defi.garden/?pool=f981a304-bb6c-45b8-b0c5-fd2f515ad23a&src=seo_token; fluid-lending (Ethereum), 4.42% APY, $135.84M TVL, https://www.defi.garden/?pool=4e8cc592-c8d5-4824-8155-128ba521e903&src=seo_token; uniswap-v3 (Ethereum), 41.76% APY, $111.02M TVL, https://www.defi.garden/?pool=fc9f488e-8183-416f-a61e-4e5c571d4395&src=seo_token. This comparison does not measure protocol, exploit, depeg, liquidity, governance, or principal-loss risk.
| Rank | Protocol | Chain | APY | TVL |
|---|---|---|---|---|
| 1 | spark-savings → | Ethereum | 3.25% | $366.81M |
| 2 | aave-v3 → | Ethereum | 4.79% | $72.04M |
| 3 | justlend-v1 → | Tron | 2.41% | $66.78M |
| 4 | maple → | Ethereum | 4.76% | $1B |
| 5 | sparklend → | Ethereum | 2.62% | $62.39M |
| 6 | aave-v3 → | Ethereum | 3.37% | $217.67M |
| 7 | fluid-lending → | Ethereum | 4.42% | $135.84M |
| 8 | uniswap-v3 → | Ethereum | 41.76% | $111.02M |
How this rate has behaved
USDT shows up in 8 pools here, with rates from 2.41% to 41.76% APY across 2 chains — the rate depends on which protocol and chain you pick, not just the token.
8 of these 8 pools have a trustworthy 30-day average on file, with a median of 3.98% — a useful check against today's number for whether the rate is steady or just having a good day.
1 of 8 pools blends in incentive or reward APY on top of the base rate. Incentive yield decays over time as reward programs run down — the base rate is the more durable number.
1 of 8 pools carries impermanent-loss risk, meaning a two-sided position can lose value against just holding, even while it earns yield.
| Protocol | APY | 30d Mean APY | Yield mix |
|---|---|---|---|
| maple | 4.76% | 4.28% | Base rate |
| spark-savings | 3.25% | 2.99% | Base rate |
| aave-v3 | 3.37% | 3.07% | Base rate |
| fluid-lending | 4.42% | 4.71% | Base rate |
| uniswap-v3 | 41.76% | 35.80% | Base rate |
| aave-v3 | 4.79% | 4.46% | 29.67% incentives |
| justlend-v1 | 2.41% | 2.23% | Base rate |
| sparklend | 2.62% | 3.68% | Base rate |
The 30-day average comes straight from DefiLlama and only appears when it passes the same sanity rail as every other number on this page — a dash means it didn't clear that bar, not that it's being hidden. Every pool here already clears a $100K minimum TVL. Rates move daily, so treat this as a snapshot, not a promise.
Frequently asked questions
What's the highest USDT yield today?
41.76% APY on uniswap-v3 (Ethereum), based on live DefiLlama data.
How many USDT pools clear the TVL floor?
518 live pools clear this page's $100K TVL floor, $3.41B in total.
Are these rates safe?
Pools listed on this page clear a $100K minimum TVL and exclude anomalous (>1000% APY) rates — that is this page's listing bar, not a safety guarantee. This is education, not financial advice; DeFi carries smart-contract and market risk regardless of the rate shown.
Which USDT pools have the most stable APY history?
Based on APY history only, USDT's lower-variability candidates are spark-savings (Ethereum), 3.25% APY, $366.81M TVL, https://www.defi.garden/?pool=a5d67f7e-5b51-4a9d-969d-caf051a7f5a4&src=seo_token; aave-v3 (Ethereum), 4.79% APY, $72.04M TVL, https://www.defi.garden/?pool=a90d554a-b548-4f50-b03e-9dcb724b7777&src=seo_token; justlend-v1 (Tron), 2.41% APY, $66.78M TVL, https://www.defi.garden/?pool=dac406f6-5600-437e-849d-f03daa383864&src=seo_token; maple (Ethereum), 4.76% APY, $1B TVL, https://www.defi.garden/?pool=8edfdf02-cdbb-43f7-bca6-954e5fe56813&src=seo_token; sparklend (Ethereum), 2.62% APY, $62.39M TVL, https://www.defi.garden/?pool=8fbe28b8-140d-4e37-8804-5d2aba4daded&src=seo_token; aave-v3 (Ethereum), 3.37% APY, $217.67M TVL, https://www.defi.garden/?pool=f981a304-bb6c-45b8-b0c5-fd2f515ad23a&src=seo_token; fluid-lending (Ethereum), 4.42% APY, $135.84M TVL, https://www.defi.garden/?pool=4e8cc592-c8d5-4824-8155-128ba521e903&src=seo_token; uniswap-v3 (Ethereum), 41.76% APY, $111.02M TVL, https://www.defi.garden/?pool=fc9f488e-8183-416f-a61e-4e5c571d4395&src=seo_token. This comparison does not measure protocol, exploit, depeg, liquidity, governance, or principal-loss risk.
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Yields are live from DefiLlama. Pools on this page clear a $100K minimum TVL and exclude anomalous rates — that's this page's listing bar, not a safety guarantee. Education only, not financial advice.
Last updated September 2, 2026
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