Earn ratesUSDT
USDT yield on exchanges and in DeFi
USDT is the largest dollar stablecoin by supply. Like USDC, it earns by being lent: exchanges pay for it out of margin lending, onchain markets out of what borrowers pay.
Rates for your wallet
EVM, Solana, TON, Tron, Bitcoin, Litecoin, Bitcoin Cash, Dogecoin, Zcash. Nothing to connect or sign.
On exchanges and perp DEXs
Read November 3 at 17:46 UTC.
WhiteBit
Lending · Fixed 1080d · 50 – 300,000 USDT
WhiteBit
Lending · Fixed 720d · 50 – 300,000 USDT
WhiteBit
Lending · Fixed 360d · 50 – 10,000,000 USDT
WhiteBit
Lending · Fixed 180d · 50 – 10,000,000 USDT
WhiteBit
Lending · Fixed 90d · 50 – 10,000,000 USDT
WhiteBit
Lending · Fixed 30d · 50 – 10,000,000 USDT
MEXCPromo
Earn · Flexible · 1 – 1 USDT
Bybit
On-chain Earn · Flexible · 10 – 15,000,000 USDT
MEXC
Earn · Flexible · 1 – 200 USDT
Bybit
On-chain Earn · Flexible · 5,000 – 100,000,000 USDT
Binance
Earn · Flexible · from 0.01 USDT
OKXNot in EU/UK
Earn · Flexible
Gate.io
Lending · Flexible · 1 – 100,000,000 USDT
Binance
On-chain Earn · Fixed 90d · 100 – 10,000,000 USDT
MEXC
Earn · Flexible · 200 – 500 USDT
Binance
On-chain Earn · Fixed 7d · 1 – 1,000,000 USDT
Bybit
Earn · Flexible · 1 – 100,000,000 USDT
Hyperliquid
Lending · Flexible
WhiteBit
Lending · Flexible · 100 – 1,000,000 USDT
Backpack
Lending · Flexible · up to 50,000,000 USDT
MEXC
Earn · Flexible · 500 – 20,000,000 USDT
Onchain pools
Kamino
Kamino USDT Lending
DeFi · Solana · $9.2M TVL
Solana$9.2M9.34%
Aave
Aave v3 USDT Lending
Lending · Ethereum · $2.5B TVL
Ethereum$2.5B7.94%Kamino
Kamino USDT Lending (JLP Market)
DeFi · Solana · $1.8M TVL
Solana$1.8M6.88%Aave
Aave v3 USDt Lending
Lending · Avalanche · $24.6M TVL
Avalanche$24.6M5.93%Kamino
Galaxy USDT
DeFi · Solana · $2.6M TVL
Solana$2.6M5.56%
Lista
Pangolins USDT Vault(pUSDT)
DeFi · BSC · $1.4M TVL
BSC$1.4M5.40%
Fluid
USDT Lending Fluid Vault
DeFi · Ethereum · $121.4M TVL
Ethereum$121.4M4.98%
Maple
syrupUSDT Yield Optimizer
DeFi · Ethereum · $288.2M TVL
Ethereum$288.2M4.90%Aave
Aave v3 USDT Lending
Lending · Optimism · $3.8M TVL
Optimism$3.8M4.63%Aave
Aave v3 USDT0 Lending
Lending · Plasma · $721.1M TVL
Plasma$721.1M4.33%Fluid
USDT Lending Fluid Vault
DeFi · Arbitrum · $38.9M TVL
Arbitrum$38.9M4.16%Lista
Lista USDT Vault
DeFi · BSC · $2.3M TVL
BSC$2.3M4.02%
Spark
Spark Savings USDT
Lending · Ethereum · $412.1M TVL
Ethereum$412.1M4.00%
Venus
Venus USDT Lending
DeFi · BSC · $169.5M TVL
BSC$169.5M3.91%
Morpho
Steakhouse High Yield Instant Morpho V2 Vault
Lending · Ethereum · $2.1M TVL
Ethereum$2.1M3.88%Aave
Aave v3 USDT Lending
Lending · Polygon · $31.2M TVL
Polygon$31.2M3.73%Morpho
Smokehouse USDT Morpho V1 Vault
Lending · Ethereum · $20.1M TVL
Ethereum$20.1M3.73%Morpho
sky.money USDT Savings Morpho V2 Vault
Lending · Ethereum · $58.6M TVL
Ethereum$58.6M3.67%Morpho
Gauntlet USDT Balanced Morpho V2 Vault
Lending · Ethereum · $1.2M TVL
Ethereum$1.2M3.64%Spark
Sparklend USDT Lending
Lending · Ethereum · $305.0M TVL
Ethereum$305.0M3.59%Aave
Aave v3 USDT Lending
Lending · Arbitrum · $44.1M TVL
Arbitrum$44.1M3.50%Aave
Aave v3 USDT Lending
Lending · BSC · $62.1M TVL
BSC$62.1M3.23%
Yearn
USDT Yearn Vault V3
Vault · Ethereum · $5.7M TVL
Ethereum$5.7M3.18%Fluid
USDT0 Lending Fluid Vault
DeFi · Plasma · $14.8M TVL
Plasma$14.8M3.11%Morpho
Steakhouse Prime Instant Morpho V2 Vault
Lending · Ethereum · $83.9M TVL
Ethereum$83.9M3.00%
Compound
Compound v3 USDT Lending
Lending · Ethereum · $159.5M TVL
Ethereum$159.5M3.00%Morpho
Steakhouse USDT Morpho V1 Vault
Lending · Ethereum · $76.0M TVL
Ethereum$76.0M2.85%Morpho
Gauntlet USDT Prime Morpho V1 Vault
Lending · Ethereum · $2.5M TVL
Ethereum$2.5M2.85%Morpho
Vault Bridge USDT Morpho V1 Vault
Lending · Ethereum · $2.4M TVL
Ethereum$2.4M2.85%Morpho
Gauntlet USDT Core Morpho V1 Vault
Lending · Ethereum · $8.3M TVL
Ethereum$8.3M2.84%Rates are published by the venues and protocols and change constantly; check them on the venue before depositing. Not every product is offered in every country: rows marked Not in EU/UK are not available to residents there. Pools under $1 million in deposits and rates above 200% are left out. Information only, not financial advice; see the disclaimer.
USDT rates over time
The best USDT product at each exchange that can be left at any time, read once a day. Promotional tiers count too, so a line can sit high on an offer capped at a small amount.
MEXC10.00%11.00%−1.00 ppBybit6.68%6.78%−0.10 ppBinance3.70%2.64%+1.06 ppGate.io2.87%2.47%+0.40 ppBackpack0.67%1.75%−1.07 ppQuestions people ask
18.43% at WhiteBit (1080-day lock, up to 300,000 USDT), as read on November 3 at 17:46 UTC. The highest rates are often promotions with small limits or a lockup; the tables show both next to every rate.
The highest rate that can be left at any time is 10.00% at MEXC. Flexible exchange products and onchain pools let you withdraw whenever you like, though some staking has an unbonding wait.
The best USDT product you can leave at any time, 30 days ago and now: MEXC 11.00% → 10.00%; Bybit 6.78% → 6.68%; Binance 2.64% → 3.70%; Gate.io 2.47% → 2.87%; Backpack 1.75% → 0.67%. Exchanges change these rates often, and a promotion can lift one for a few days; the chart on this page shows each day.
No rate comes without risk. On an exchange, the USDT is the exchange’s to hold while it earns; onchain, it sits in smart contracts that can fail or be exploited. Promotional rates can end early. A higher rate usually means more risk.
Every hour. Exchange and perp DEX products are read from the venues, onchain pools from the chains’ lending, staking and vault markets. Pools with under $1 million in deposits and rates above 200% are left out.
Yes. Paste an address on this page and TrueHold matches every rate here to the tokens it holds, with what a year at today’s rate comes to. Nothing is connected or signed.
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