USDT0 DeFi Yields
The highest honest USDT0 yield right now is 4.83% on curve-dex (Monad), among 28 pools above the $100K TVL floor. Rates are live from DefiLlama and exclude anomalous (>1000% APY) pools.
28 live pools above the $100K TVL floor · ranked by TVL
Pool data verified from DefiLlama at generation time: October 18, 2026. Rates change continuously.
USDT0's largest live pool is aave-v3 on Plasma at 3.73% ($77.24M TVL). 28 USDT0 pools across 7 chains clear this page's $100K TVL floor, $154.09M in total.
Your idle USDT0 could earn ~4.09% — park $5.9K and it could run a $20/mo Claude Pro subscription, forever.
See live USDT0 pools →| Protocol | Chain | APY | TVL |
|---|---|---|---|
| aave-v3 → | Plasma | 3.73% | $77.24M |
| fluid-lending → | Plasma | 4.64% | $20.25M |
| aave-v3 → | Mantle | 4.45% | $17.14M |
| aave-v3 → | Monad | 4.75% | $13.77M |
| aave-v3 → | Polygon | 3.48% | $10.04M |
| fluxion-network → | Mantle | 0.16% | $5.02M |
| curve-dex → | Monad | 4.83% | $2.28M |
| fluxion-network → | Mantle | 0.01% | $594.1K |
Rate stability from APY history
Based on APY history only, USDT0's lower-variability candidates are aave-v3 (Plasma), 3.73% APY, $77.24M TVL, https://www.defi.garden/?pool=e338c687-a5d8-4abf-bc04-127990811b0a#src=seo_token; fluid-lending (Plasma), 4.64% APY, $20.25M TVL, https://www.defi.garden/?pool=21e972fb-b330-4289-8bfa-6a14e925ecdb#src=seo_token; aave-v3 (Mantle), 4.45% APY, $17.14M TVL, https://www.defi.garden/?pool=47da0cdd-7b1d-4927-9545-20b53b73afa8#src=seo_token; aave-v3 (Polygon), 3.48% APY, $10.04M TVL, https://www.defi.garden/?pool=7e7821a2-3d20-4ae7-9c3d-04cd57904555#src=seo_token; aave-v3 (Monad), 4.75% APY, $13.77M TVL, https://www.defi.garden/?pool=8bba1554-1318-54ad-9143-0972406e9428#src=seo_token; curve-dex (Monad), 4.83% APY, $2.28M TVL, https://www.defi.garden/?pool=ceb80408-8ab8-4293-b274-162efff518a6#src=seo_token; fluxion-network (Mantle), 0.16% APY, $5.02M TVL, https://www.defi.garden/?pool=70f8fccf-080b-5d78-8a67-0e87a0a578a5#src=seo_token; fluxion-network (Mantle), 0.01% APY, $594.1K TVL, https://www.defi.garden/?pool=269c72aa-ab12-57fd-a84d-79471faa170c#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 | 3.73% | $77.24M |
| 2 | fluid-lending → | Plasma | 4.64% | $20.25M |
| 3 | aave-v3 → | Mantle | 4.45% | $17.14M |
| 4 | aave-v3 → | Polygon | 3.48% | $10.04M |
| 5 | aave-v3 → | Monad | 4.75% | $13.77M |
| 6 | curve-dex → | Monad | 4.83% | $2.28M |
| 7 | fluxion-network → | Mantle | 0.16% | $5.02M |
| 8 | fluxion-network → | Mantle | 0.01% | $594.1K |
How this rate has behaved
USDT0 shows up in 8 pools here, with rates from 0.01% to 4.83% 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 5.59% — a useful check against today's number for whether the rate is steady or just having a good day.
3 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.
2 of 8 pools carry 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 | 3.73% | 4.86% | Base rate |
| fluid-lending | 4.64% | 5.35% | Base rate |
| aave-v3 | 4.45% | 4.46% | 28.41% incentives |
| aave-v3 | 4.75% | 5.89% | 30.26% incentives |
| aave-v3 | 3.48% | 3.21% | Base rate |
| fluxion-network | 0.16% | 8.19% | Base rate |
| curve-dex | 4.83% | 5.83% | 100.00% incentives |
| fluxion-network | 0.01% | 87.63% | 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 USDT0 yield today?
4.83% APY on curve-dex (Monad), based on live DefiLlama data.
How many USDT0 pools clear the TVL floor?
28 live pools clear this page's $100K TVL floor, $154.09M 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), 3.73% APY, $77.24M TVL, https://www.defi.garden/?pool=e338c687-a5d8-4abf-bc04-127990811b0a#src=seo_token; fluid-lending (Plasma), 4.64% APY, $20.25M TVL, https://www.defi.garden/?pool=21e972fb-b330-4289-8bfa-6a14e925ecdb#src=seo_token; aave-v3 (Mantle), 4.45% APY, $17.14M TVL, https://www.defi.garden/?pool=47da0cdd-7b1d-4927-9545-20b53b73afa8#src=seo_token; aave-v3 (Polygon), 3.48% APY, $10.04M TVL, https://www.defi.garden/?pool=7e7821a2-3d20-4ae7-9c3d-04cd57904555#src=seo_token; aave-v3 (Monad), 4.75% APY, $13.77M TVL, https://www.defi.garden/?pool=8bba1554-1318-54ad-9143-0972406e9428#src=seo_token; curve-dex (Monad), 4.83% APY, $2.28M TVL, https://www.defi.garden/?pool=ceb80408-8ab8-4293-b274-162efff518a6#src=seo_token; fluxion-network (Mantle), 0.16% APY, $5.02M TVL, https://www.defi.garden/?pool=70f8fccf-080b-5d78-8a67-0e87a0a578a5#src=seo_token; fluxion-network (Mantle), 0.01% APY, $594.1K TVL, https://www.defi.garden/?pool=269c72aa-ab12-57fd-a84d-79471faa170c#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 October 18, 2026
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