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USDT

Tether

USDT
$0.9993 0.05%MCap: $187.4B
Best APY
15.00%
thalaswap
Avg APY
11.87%
15 platforms
BEST TODAYthalaswapHigh
APY
15.00%
TVL
$842K
Go to thalaswap
APY History — thalaswap (30 days)
Historical yield rate for the top USDT pool

Best Ways to Earn USDT

15 platforms · DeFi live · CeFi updated weekly

#PlatformTypeAPYRiskLockupTVL
1
TH
thalaswapBest
Aptos
Savings
15.00%
30d: 19.57%
HighFlexible$842KGo
2
UN
uniswap-v3
BSC
Liquidity
15.00%
30d: 3.55%
HighFlexible$470KGo
3
CH
chainflip-lending
Ethereum
Savings
15.00%
30d: 5.46%
HighFlexible$394KGo
4
KI
kiloex
Opbnb
Savings
15.00%
30d: 3.71%
HighFlexible$286KGo
5
TR
travessia-credit
Ethereum
Savings
15.00%
30d: 22.04%
HighFlexible$101KGo
6
HY
hyperion
Aptos
Savings
14.81%
30d: 15.55%
HighFlexible$6.3MGo
7
LI
lista-lending
BSC
Savings
14.46%
30d: 8.64%
MediumFlexible$2.4MGo
8
LI
liqwid
Cardano
Savings
10.16%
30d: 9.58%
MediumFlexible$286KGo
9
BI
bitway-earn
BSC
Savings
10.00%
30d: 10.42%
MediumFlexible$23.5MGo
10
SY
symbiosis
Tron
Savings
9.58%
30d: 7.60%
MediumFlexible$1.6MGo
11
ZE
zerobase-cedefi
Ethereum
Savings
9.00%
30d: 9.00%
MediumFlexible$14.3MGo
12
ZE
zerobase-cedefi
Arbitrum
Savings
9.00%
30d: 9.00%
MediumFlexible$7.6MGo
13
ZE
zerobase-cedefi
Polygon
Savings
9.00%
30d: 9.00%
MediumFlexible$254KGo
14
ZE
zerobase-cedefi
BSC
Savings
8.76%
30d: 8.76%
MediumFlexible$24.0MGo
15
CU
current
Sui
Savings
8.28%
30d: 7.30%
MediumFlexible$334KGo
DeFi rates live from DefiLlamaCeFi rates updated weekly

About Earning USDT

USDT is the world's largest stablecoin by market cap. Earn interest on your Tether holdings. Yields vary based on market conditions, platform risk, and lock-up terms.

Flexible or fixed terms available
Risk levels from Low to High
Minimum amounts vary by platform
DeFi rates update live · CeFi updated weekly

How to choose

1
Compare APYs
Higher APY isn't always better — weigh it against risk.
2
Check risk level
Low risk = established, audited protocols with high TVL.
3
Review lockup terms
Flexible options let you withdraw anytime.
4
Check TVL
Above $500M is generally considered more established.

Frequently Asked Questions

Is it safe to earn yield on USDT?+

Earning yield on USDT carries varying levels of risk. DeFi protocols like Aave use audited smart contracts but still carry smart contract risk. CeFi platforms are custodial. Always use established, audited protocols with high TVL and never invest more than you can afford to lose.

What is the best platform to earn USDT yield right now?+

Based on current live data, thalaswap offers the highest USDT APY at 15.00% with High risk. Rates change constantly — always check current figures above.

What is the difference between CeFi and DeFi USDT yield?+

CeFi platforms (Binance, Nexo, Kraken) hold your crypto and pay interest — simpler but custodial. DeFi protocols (Aave, Morpho) use smart contracts where you always control your funds. DeFi generally offers higher rates but requires a Web3 wallet.

How is USDT APY calculated?+

APY accounts for compound interest — earning interest on your interest. It reflects your actual return over a full year. Most DeFi protocols compound continuously. APY is always slightly higher than APR for the same underlying rate.

What is the minimum amount to earn USDT yield?+

Minimums vary by platform. On DeFi protocols like Aave, you can start with any amount (Ethereum gas fees make small amounts uneconomical). On CeFi platforms, minimums are typically 1 USDC or 0.001 BTC. For small amounts, use Polygon or Arbitrum to avoid high gas fees.

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