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Tether logo

Tether (USDT) Lending Rates Up to 35% APY

Find the best USDT lending rates and earn up to 35% APY. Compare 42 platforms side-by-side.

Last updated: January 12, 2026|Advertising disclosure

Tether Lending Guide

How to lend Tether
Crypto lending guide

Calculate USDT Interest

Frequently Asked Questions About Tether (USDT) Lending

What is Tether (USDT) and how does it maintain its 1:1 value with the U.S. dollar?
Tether (USDT) is a stablecoin designed to maintain a value close to $1 USD. It achieves this by pegging USDT to fiat reserves and issuing digital tokens against those reserves. Tether Limited has stated that each USDT is backed by cash or cash equivalents held in reserve, intended to anchor the token’s value to the US dollar. In practice, users can swap USDT for USD or other currencies on many exchanges, which provides a stable unit of account and a liquidity bridge for trading cryptocurrencies. It’s important to note that while Tether has claimed full 1:1 backing, third-party audits and reserve disclosures have been a point of discussion in the community, so investors should stay informed about reserve transparency and regulatory developments.
Where can I use USDT, and what are the best practices for transferring or storing it securely?
USDT is widely supported across major crypto exchanges and wallets. You can trade USDT for other cryptocurrencies, convert it to fiat via the Tether platform, or withdraw it to a compatible wallet. When transferring USDT, choose the appropriate blockchain or protocol variant (for example, Omni Layer, Ethereum ERC-20, Tron TRC-20, Solana, etc.), as fees, speed, and compatibility vary by network. For storage, use a reputable wallet that supports the USDT variant you hold. Hardware wallets (like Ledger or Trezor when paired with compatible software) are the safest option for long-term holdings, while software wallets are convenient for active trading. Always verify recipient addresses, enable two-factor authentication on exchange accounts, and consider temperature-controlled storage in rounds of funds to minimize security risks.
What are the risks and considerations I should know before using USDT for trading or liquidity provisioning?
Key considerations include reserve transparency and regulatory risk, as opinions and audits around Tether’s backing have evolved over time. While USDT offers stability relative to volatile crypto markets, it is not risk-free—regulatory actions, reserve disclosures, or operational issues at Tether Limited could impact liquidity. Traders should watch for minting and redemption mechanics, understand any fees charged by exchanges or wallets for conversions, and be aware of network-driven risks such as double-spend threats or blockchain congestions on specific USDT variants. Diversifying across stablecoins or using fiat on-ramps when feasible can help mitigate single-asset risk. Finally, assess liquidity depth on the trading venues you use to ensure you can enter and exit positions without slippage during high-volatility periods.

Tether USDT News

Tether Just Took Down Crypto Gambling Syndicate in Turkey
February 7, 2026Tether Just Took Down Crypto Gambling Syndicate in Turkey

Tether has reportedly frozen more than $500 million in digital assets linked to a Turkish illegal gambling syndicate.

Tether Freezes $544M in Crypto Tied to Turkish Illegal Betting Probe
February 7, 2026Tether Freezes $544M in Crypto Tied to Turkish Illegal Betting Probe

Tether blocked $544 million in crypto at Turkey’s request, targeting funds linked to alleged illegal betting and money laundering as stablecoin enforcement actions expand.

What Went Wrong With Crypto? A Postmortem
February 6, 2026What Went Wrong With Crypto? A Postmortem

Crypto’s latest drawdown hit the majors in size: bitcoin fell about 8.1% over the past 24 hours and is down roughly 29.5% over 30 days.

NexoSponsored
Earn High Yields on Your Crypto with Nexo
  • Up to 18% APY on crypto and fiat currencies.
  • Daily compounding interest.
  • No lock-up periods, withdraw anytime.

Similar Coins to Lend

Fei USD logo
Fei USD (FEI)
Bridged Dai (Lightlink) logo
Bridged Dai (Lightlink) (DAI.E)
USDC logo
USDC (USDC)
Dai logo
Dai (DAI)
First Digital USD logo
First Digital USD (FDUSD)

Supported Lending Platforms

Nexo logo
Nexo
Nebeus logo
Nebeus
EarnPark logo
EarnPark
YouHodler logo
YouHodler
Syrup logo
Syrup

Newly Added Coins to Lend

Pump.fun logo
Pump.fun (pump)
Berachain BERA logo
Berachain BERA (BERA)
USDT0 logo
USDT0 (usdt0)
Official Trump logo
Official Trump (trump)
USDtb logo
USDtb (usdtb)
EarnPark

0.35% USDT

Compare Tether (USDT) Lending Rates

PlatformActionMax RateBase RateMin DepositLockupUS Access
NexoGo to Platform14% APY10% APY—90 daysCheck terms
NebeusGo to Platform13% APY10.5% APY$1000—Not US
EarnParkGo to Platform30% APY——30 daysNot US
YouHodlerGo to Platform20% APY———Not US
SyrupGo to Platform4.68% APY———Check terms
AQRUGo to Platform6% APY———Check terms
CompoundGo to Platform3.28% APY———Check terms
WirexGo to Platform16% APY———Not US
NeverlessGo to Platform14% APY———Check terms
Blockchain.comGo to Platform10% APY———Check terms

1 — 10 / 42

Showing 1 to 10 of 42 results

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Historical Tether lending rates (the United States)

Rates shown are the headline rates we track for the United States users; actual rates may vary by product, tier, or terms.

Loading chart...
Chart comparing rates for Earnpark, YouHodler, Nexo, Aqru, Syrup, Compound over the past 30-day

YouHodler currently offers the highest Tether lending rate in the United States at 20.00% APY, matching its 30-day average of 20.00%.

30-DAY AVERAGE RATESArrows compare today vs 30-day average

ProviderCurrent RateTrendAverage Rate
Earnpark
30%avg 9.66%
YouHodler
20%-avg 20%
Nexo
14%avg 13%
Aqru
6%-avg 6%
Syrup
4.68%avg 4.77%
Compound
3.28%avg 0%
Best 30-day averageYouHodler (20% APY)
Last updated: Feb 8, 2026, 04:15 PM

Platform Safety Information

We evaluate each platform's regulatory status, transparency, and track record.

PlatformRegulatory StatusProof of ReservesTrack RecordInsurance
NexoEU (VARA Dubai, Multiple VASPs)2024-12 (Armanino)Has issuesCustodial insurance
How we gather this information