USDTB DeFi Yields
The highest honest USDTB yield right now is 4.18% on fluid-lending (Ethereum), among 4 pools above the $100K TVL floor. Rates are live from DefiLlama and exclude anomalous (>1000% APY) pools.
4 live pools above the $100K TVL floor · ranked by TVL
Pool data verified from DefiLlama at generation time: October 18, 2026. Rates change continuously.
USDTB's largest live pool is curve-dex on Ethereum at 0.03% ($20.08M TVL). 4 USDTB pools across 1 chain clear this page's $100K TVL floor, $26.66M in total.
Your idle USDTB could earn ~0.88% — park $27.2K and it could run a $20/mo Claude Pro subscription, forever.
See live USDTB pools →| Protocol | Chain | APY | TVL |
|---|---|---|---|
| curve-dex → | Ethereum | 0.03% | $20.08M |
| aave-v3 → | Ethereum | 1.54% | $4.82M |
| fluid-lending → | Ethereum | 4.18% | $1.6M |
| fluid-dex → | Ethereum | 0.23% | $164.3K |
Rate stability from APY history
Based on APY history only, USDTB's lower-variability candidates are curve-dex (Ethereum), 0.03% APY, $20.08M TVL, https://www.defi.garden/?pool=fa91389d-ab0f-43e5-8921-9c9a462d97d2#src=seo_token; fluid-dex (Ethereum), 0.23% APY, $164.3K TVL, https://www.defi.garden/?pool=0ab47792-0cc7-41e8-9438-8872c3c37fef#src=seo_token; aave-v3 (Ethereum), 1.54% APY, $4.82M TVL, https://www.defi.garden/?pool=baee0253-eb6e-4a08-a579-a2acd4f034b2#src=seo_token; fluid-lending (Ethereum), 4.18% APY, $1.6M TVL, https://www.defi.garden/?pool=de1e601d-d589-4a66-91b7-d4ac8bdcecac#src=seo_token. This comparison does not measure protocol, exploit, depeg, liquidity, governance, or principal-loss risk.
| Rank | Protocol | Chain | APY | TVL |
|---|---|---|---|---|
| 1 | curve-dex → | Ethereum | 0.03% | $20.08M |
| 2 | fluid-dex → | Ethereum | 0.23% | $164.3K |
| 3 | aave-v3 → | Ethereum | 1.54% | $4.82M |
| 4 | fluid-lending → | Ethereum | 4.18% | $1.6M |
How this rate has behaved
USDTB shows up in 4 pools here, with rates from 0.03% to 4.18% APY across 1 chains — the rate depends on which protocol and chain you pick, not just the token.
4 of these 4 pools have a trustworthy 30-day average on file, with a median of 1.80% — a useful check against today's number for whether the rate is steady or just having a good day.
All 4 pools pay a plain base rate right now — no incentive or reward APY mixed in.
| Protocol | APY | 30d Mean APY | Yield mix |
|---|---|---|---|
| curve-dex | 0.03% | 0.05% | Base rate |
| aave-v3 | 1.54% | 3.31% | Base rate |
| fluid-lending | 4.18% | 3.50% | Base rate |
| fluid-dex | 0.23% | 0.29% | 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 USDTB yield today?
4.18% APY on fluid-lending (Ethereum), based on live DefiLlama data.
How many USDTB pools clear the TVL floor?
4 live pools clear this page's $100K TVL floor, $26.66M 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 USDTB pools have the most stable APY history?
Based on APY history only, USDTB's lower-variability candidates are curve-dex (Ethereum), 0.03% APY, $20.08M TVL, https://www.defi.garden/?pool=fa91389d-ab0f-43e5-8921-9c9a462d97d2#src=seo_token; fluid-dex (Ethereum), 0.23% APY, $164.3K TVL, https://www.defi.garden/?pool=0ab47792-0cc7-41e8-9438-8872c3c37fef#src=seo_token; aave-v3 (Ethereum), 1.54% APY, $4.82M TVL, https://www.defi.garden/?pool=baee0253-eb6e-4a08-a579-a2acd4f034b2#src=seo_token; fluid-lending (Ethereum), 4.18% APY, $1.6M TVL, https://www.defi.garden/?pool=de1e601d-d589-4a66-91b7-d4ac8bdcecac#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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