USDT0 DeFi Yields
The highest honest USDT0 yield right now is 12.00% on curve-dex (Monad), among 26 pools above the $100K TVL floor. Rates are live from DefiLlama and exclude anomalous (>1000% APY) pools.
26 live pools above the $100K TVL floor · ranked by TVL
USDT0's largest live pool is aave-v3 on Plasma at 4.75% ($38.08M TVL). 26 USDT0 pools across 4 chains clear this page's $100K TVL floor, $119.51M in total.
Your idle USDT0 could earn ~5.22% — park $4.6K and it could run a $20/mo Claude Pro subscription, forever.
See live USDT0 pools →| Protocol | Chain | APY | TVL |
|---|---|---|---|
| aave-v3 → | Plasma | 4.75% | $38.08M |
| fluid-lending → | Plasma | 5.69% | $29.33M |
| aave-v3 → | Mantle | 4.46% | $22.77M |
| aave-v3 → | Polygon | 3.30% | $10.92M |
| fluxion-network → | Mantle | 4.02% | $4.97M |
| curve-dex → | Monad | 12.00% | $2.44M |
| aave-v3 → | Monad | 16.44% | $1.77M |
| neverland → | Monad | 8.88% | $1.7M |
Rate stability from APY history
Based on APY history only, USDT0's lower-variability candidates are aave-v3 (Plasma), 4.75% APY, $38.08M TVL, https://www.defi.garden/?pool=e338c687-a5d8-4abf-bc04-127990811b0a&src=seo_token; fluid-lending (Plasma), 5.69% APY, $29.33M TVL, https://www.defi.garden/?pool=21e972fb-b330-4289-8bfa-6a14e925ecdb&src=seo_token; aave-v3 (Mantle), 4.46% APY, $22.77M TVL, https://www.defi.garden/?pool=47da0cdd-7b1d-4927-9545-20b53b73afa8&src=seo_token; aave-v3 (Polygon), 3.30% APY, $10.92M TVL, https://www.defi.garden/?pool=7e7821a2-3d20-4ae7-9c3d-04cd57904555&src=seo_token; neverland (Monad), 8.88% APY, $1.7M TVL, https://www.defi.garden/?pool=75ebf8be-5578-460c-a529-4ae8c35f6138&src=seo_token; aave-v3 (Monad), 16.44% APY, $1.77M TVL, https://www.defi.garden/?pool=8bba1554-1318-54ad-9143-0972406e9428&src=seo_token; curve-dex (Monad), 12.00% APY, $2.44M TVL, https://www.defi.garden/?pool=ceb80408-8ab8-4293-b274-162efff518a6&src=seo_token. This comparison does not measure protocol, exploit, depeg, liquidity, governance, or principal-loss risk.
| Rank | Protocol | Chain | APY | TVL |
|---|---|---|---|---|
| 1 | aave-v3 → | Plasma | 4.75% | $38.08M |
| 2 | fluid-lending → | Plasma | 5.69% | $29.33M |
| 3 | aave-v3 → | Mantle | 4.46% | $22.77M |
| 4 | aave-v3 → | Polygon | 3.30% | $10.92M |
| 5 | neverland → | Monad | 8.88% | $1.7M |
| 6 | aave-v3 → | Monad | 16.44% | $1.77M |
| 7 | curve-dex → | Monad | 12.00% | $2.44M |
How this rate has behaved
USDT0 shows up in 8 pools here, with rates from 3.30% to 16.44% APY across 4 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 5.91% — a useful check against today's number for whether the rate is steady or just having a good day.
5 of 8 pools blend 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 |
|---|---|---|---|
| aave-v3 | 4.75% | 4.51% | 23.48% incentives |
| fluid-lending | 5.69% | 5.87% | Base rate |
| aave-v3 | 4.46% | 3.95% | 35.48% incentives |
| aave-v3 | 3.30% | 2.96% | Base rate |
| fluxion-network | 4.02% | 9.30% | Base rate |
| curve-dex | 12.00% | 12.34% | 100.00% incentives |
| aave-v3 | 16.44% | 5.95% | 10.07% incentives |
| neverland | 8.88% | 8.99% | 81.25% incentives |
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 USDT0 yield today?
12.00% APY on curve-dex (Monad), based on live DefiLlama data.
How many USDT0 pools clear the TVL floor?
26 live pools clear this page's $100K TVL floor, $119.51M 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 USDT0 pools have the most stable APY history?
Based on APY history only, USDT0's lower-variability candidates are aave-v3 (Plasma), 4.75% APY, $38.08M TVL, https://www.defi.garden/?pool=e338c687-a5d8-4abf-bc04-127990811b0a&src=seo_token; fluid-lending (Plasma), 5.69% APY, $29.33M TVL, https://www.defi.garden/?pool=21e972fb-b330-4289-8bfa-6a14e925ecdb&src=seo_token; aave-v3 (Mantle), 4.46% APY, $22.77M TVL, https://www.defi.garden/?pool=47da0cdd-7b1d-4927-9545-20b53b73afa8&src=seo_token; aave-v3 (Polygon), 3.30% APY, $10.92M TVL, https://www.defi.garden/?pool=7e7821a2-3d20-4ae7-9c3d-04cd57904555&src=seo_token; neverland (Monad), 8.88% APY, $1.7M TVL, https://www.defi.garden/?pool=75ebf8be-5578-460c-a529-4ae8c35f6138&src=seo_token; aave-v3 (Monad), 16.44% APY, $1.77M TVL, https://www.defi.garden/?pool=8bba1554-1318-54ad-9143-0972406e9428&src=seo_token; curve-dex (Monad), 12.00% APY, $2.44M TVL, https://www.defi.garden/?pool=ceb80408-8ab8-4293-b274-162efff518a6&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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