USDTB DeFi Yields
The highest honest USDTB yield right now is 3.29% 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
USDTB's largest live pool is curve-dex on Ethereum at 0.05% ($20.07M TVL). 4 USDTB pools across 1 chain clear this page's $100K TVL floor, $24.92M in total.
Your idle USDTB could earn ~1.72% — park $14K and it could run a $20/mo Claude Pro subscription, forever.
See live USDTB pools →| Protocol | Chain | APY | TVL |
|---|---|---|---|
| curve-dex → | Ethereum | 0.05% | $20.07M |
| aave-v3 → | Ethereum | 10.04% | $2.76M |
| fluid-lending → | Ethereum | 3.29% | $1.93M |
| fluid-dex → | Ethereum | 0.14% | $164K |
Rate stability from APY history
Based on APY history only, USDTB's lower-variability candidates are curve-dex (Ethereum), 0.05% APY, $20.07M TVL, https://www.defi.garden/?pool=fa91389d-ab0f-43e5-8921-9c9a462d97d2&src=seo_token; fluid-dex (Ethereum), 0.14% APY, $164K TVL, https://www.defi.garden/?pool=0ab47792-0cc7-41e8-9438-8872c3c37fef&src=seo_token; aave-v3 (Ethereum), 10.04% APY, $2.76M TVL, https://www.defi.garden/?pool=baee0253-eb6e-4a08-a579-a2acd4f034b2&src=seo_token; fluid-lending (Ethereum), 3.29% APY, $1.93M 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 | 0.05% | $20.07M |
| 2 | fluid-dex → | Ethereum | 0.14% | $164K |
| 3 | aave-v3 → | Ethereum | 10.04% | $2.76M |
| 4 | fluid-lending → | Ethereum | 3.29% | $1.93M |
How this rate has behaved
USDTB shows up in 4 pools here, with rates from 0.05% to 10.04% 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 3.10% — 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 | 0.05% | 0.13% | Base rate |
| aave-v3 | 10.04% | 6.03% | Base rate |
| fluid-lending | 3.29% | 5.69% | Base rate |
| fluid-dex | 0.14% | 0.51% | 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?
3.29% 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, $24.92M 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), 0.05% APY, $20.07M TVL, https://www.defi.garden/?pool=fa91389d-ab0f-43e5-8921-9c9a462d97d2&src=seo_token; fluid-dex (Ethereum), 0.14% APY, $164K TVL, https://www.defi.garden/?pool=0ab47792-0cc7-41e8-9438-8872c3c37fef&src=seo_token; aave-v3 (Ethereum), 10.04% APY, $2.76M TVL, https://www.defi.garden/?pool=baee0253-eb6e-4a08-a579-a2acd4f034b2&src=seo_token; fluid-lending (Ethereum), 3.29% APY, $1.93M 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 September 2, 2026
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