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Tether (USDT) Interest Rates

Compare Tether interest rates for lending, staking, and borrowing

$1.00
↑ 0.00%
Updated: February 12, 2026
Earn Interest on USDT
Compare lending and staking rates from multiple platforms
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Compare Tether (USDT) Interest Rates

USDT Lending Rates Market Summary

Average Rate
12.98% APY
Highest Rate
30% APY
EarnPark
Platforms Tracked
7
Best Risk-Adjusted
30% APY
EarnPark

How to read this table:

  • Max Rate — Max Rate is the advertised maximum.
  • Base Rate — Base Rate is what most users actually get (often requires token staking or high tiers for max rate).

Learn more about how rates work →

Tether (USDT) Lending Rates

PlatformActionMax RateBase RateMin DepositLockupUS Access
EarnParkGo to Platform30% APY——30 daysNot US
NexoGo to Platform14% APY10% APY—90 daysCheck terms
NebeusGo to Platform13% APY———Not US
YouHodlerGo to Platform20% APY———Not US
SyrupGo to Platform4.59% APY———Check terms
AQRUGo to Platform6% APY———Check terms
CompoundGo to Platform3.28% APY———Check terms
See all 42 lending rates

Tether (USDT) Staking Rewards

PlatformActionMax RateBase RateMin DepositLockupUS Access
EarnParkGo to Platform30% APY——30 daysNot US
YouHodlerGo to Platform20% APY———Not US
SyrupGo to Platform4.59% APY———Check terms
AQRUGo to Platform6% APY———Check terms
CompoundGo to Platform3.28% APY———Check terms
See all 5 staking rewards

Tether (USDT) Borrowing Rates

PlatformActionBest RateLTVMin CollateralUS Access
NexoGet Loan2.9% APR——Check terms
NebeusGet Loan10% APR——Not US
YouHodlerGet Loan10% APR——Not US
See all 16 borrowing rates

Tether Guides

How to earn Tether
How to earn Tether
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Frequently Asked Questions About Tether (USDT) Interest Rates

What is Tether (USDT) and how does it function as a stablecoin?
Tether (USDT) is a fiat-collateralized stablecoin designed to maintain a 1:1 value with the US dollar (with other fiat pegs like EUR or JPY available in some arrangements). Each USDT token is issued on a blockchain and is intended to be backed by reserves held by Tether Limited, allowing users to move value quickly without the volatility typical of other cryptocurrencies. In practice, USDT is used for trading, liquidity provision, and as a cash-like placeholder on crypto exchanges. While the token is widely adopted for stability and liquidity, it’s important to understand that reserve transparency and auditing have been topics of scrutiny; always review the latest official disclosures for the most up-to-date reserve information.
Is USDT truly backed 1:1 with US dollars, and where are the reserves held?
Tether has claimed that USDT is backed by reserves, primarily in USD, but the exact composition of reserves has evolved over time and has included other assets. Tether Limited has published attestations and breakdowns of reserves, but details can change and may not always be fully transparent to the public. The general claim is that a significant portion of USDT is backed by cash or cash equivalents, with other assets allowed to support liquidity. If you need the latest reserve breakdown, check the official Tether Transparency page and the most recent attestations. Be aware that regulatory scrutiny and evolving accounting standards mean reserve disclosures can change.
Where can I buy and use USDT, and what should I know about fees and transfers?
USDT is available on the vast majority of major crypto exchanges, including centralized platforms and some decentralized ones. You can trade USDT for other cryptocurrencies or fiat-backed services on these exchanges, and many platforms use USDT as a stable trading pair. When transferring USDT, fees are typically determined by the issuing platform and the recipient wallet; some wallets and bridges may impose additional network fees. USDT is implemented on multiple blockchains (Omni, Ethereum ERC-20, Tron, and others in some ecosystems), so network fees and transfer times can vary. Always verify the token's contract address and network before sending funds to avoid loss, and factor in potential withdrawal fees when moving USDT off an exchange.
What are the common risks and considerations when using USDT in trading or liquidity provision?
The primary risk with USDT is counterparty and reserve transparency risk: the issuer may face questions about the exact composition and sufficiency of its reserves. Market risk includes regulatory changes affecting stablecoins and the platforms you use to access them. For liquidity providers, impermanent loss is less of a concern with stablecoins, but platform risk (hack, insolvency, or suspensions) remains. Additionally, if you rely on USDT for yield (via lending or liquid staking), ensure you understand the terms, risk of platform default, and the possibility of temporary withdrawal limits. Diversifying across stablecoins and keeping funds in reputable, audited venues can mitigate some risks.
How does USDT fit into a crypto portfolio, and when is it sensible to hold stablecoins like USDT?
USDT serves as a liquidity and risk-management tool within a crypto portfolio. It’s useful for quickly moving in and out of positions without converting to fiat, hedging against short-term market downturns, and providing a stable counterparty for trades during high volatility. Sensible use cases include maintaining a cash reserve to deploy during dips, facilitating quick arbitrage, and serving as a base currency on regional or cross-exchange platforms where direct fiat access is limited. However, keep in mind the reserve and regulatory considerations, and avoid keeping large sums in a single stablecoin on a single platform. Regularly review the security and policy updates from the issuer and the exchange you use.

Tether USDT News

Tether invests in LayerZero Labs as it doubles down on cross-chain tech, agentic finance
February 10, 2026Tether invests in LayerZero Labs as it doubles down on cross-chain tech, agentic finance

LayerZero’s Omnichain infrastructure (OFT) enables liquid stablecoin use across networks and “agentic finance” use cases.

Cointelegraph: Bitcoin, Ethereum, Crypto News & Price Indexes
February 9, 2026Cointelegraph: Bitcoin, Ethereum, Crypto News & Price Indexes

The most recent news about crypto industry at Cointelegraph. Latest news about bitcoin, ethereum, blockchain, mining, cryptocurrency prices and more

Cointelegraph: Bitcoin, Ethereum, Crypto News & Price Indexes
February 9, 2026Cointelegraph: Bitcoin, Ethereum, Crypto News & Price Indexes

The most recent news about crypto industry at Cointelegraph. Latest news about bitcoin, ethereum, blockchain, mining, cryptocurrency prices and more

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About Tether (USDT)

Tether (USDT) is a stablecoin designed to maintain a 1:1 peg with the US dollar, utilizing blockchain technology for efficient transactions. While details about its consensus mechanism are not publicly available, Tether has shifted its support across various blockchains, discontinuing support for...
Tether (USDT) plays a crucial role in the cryptocurrency market, primarily facilitating trading and providing liquidity on exchanges. Its stable value allows traders to hedge against market volatility, enabling quick conversions to USDT during price fluctuations.
Tether (USDT) operates on a tokenomics model that maintains its dollar peg through a supply mechanism responsive to market demand. The total supply of USDT is dynamically managed, with tokens minted or burned based on user transactions and market conditions.
Tether (USDT) incorporates various security features to protect its network and transaction integrity. While specific validation processes are not publicly disclosed, Tether operates on multiple blockchains, each with unique security protocols.
Since its launch in 2014, Tether (USDT) has reached significant milestones, reflecting its evolution in the cryptocurrency landscape. It pioneered the concept of a stablecoin pegged to the US dollar, quickly gaining popularity among traders.

How to Keep Your Tether (USDT) Safe?

To enhance the security of your Tether (USDT), consider using a hardware wallet, which provides offline storage and protection against hacking; popular options include Ledger and Trezor. For private key management, ensure you generate and store keys in a secure, offline environment, and never share them; utilize a password manager for added security. Be aware of common risks such as phishing attacks and malware; mitigate these risks by using two-factor authentication (2FA) and regularly updating your software. Implement multi-signature wallets to require multiple approvals for transactions, adding an extra layer of security. Lastly, establish a robust backup procedure by securely storing recovery phrases and wallet backups in multiple locations, ensuring you can recover your assets in the event of loss or theft.

How Tether (USDT) Works

Tether (USDT) operates primarily on multiple blockchain architectures, including Ethereum, Tron, and others, which utilize smart contracts to facilitate the issuance and redemption of tokens. The consensus mechanism varies by blockchain; for instance, Ethereum employs a proof-of-stake model, while Tron uses a delegated proof-of-stake approach, enabling efficient transaction processing. Transactions are validated through a network of nodes that verify the authenticity of transactions before they are added to the blockchain, ensuring that each USDT token is backed by an equivalent amount of fiat currency held in reserve. Network security measures include cryptographic techniques to secure transactions and the use of multi-signature wallets to protect reserves. Unique technical features of Tether include its ability to provide liquidity across different blockchain networks and its pegged value to fiat currencies, which aims to minimize the volatility typically associated with cryptocurrencies.