Tether (USDT) Lending Rates

Find the best USDT lending rates and earn up to 29.5% APY APY. Compare 16 platforms side-by-side.

Updated: July 17, 2026

29.5% APY

Highest Rate

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The best Tether lending rate is 11.5% APY on Nexo.. Other top platforms include YouHodler (11% APY) and Lune.fi (29.5% APY). Compare USDT lending rates across 16 platforms.

Nexo11.5%YouHodler11%Lune.fi29.5%

Compare Tether (USDT) Lending Rates

Platform	Action	Max Rate	Base Rate	Min Deposit	Lockup	US Access
Nexo	Go to Platform	11.5% APY	7.5% APY	—	90 days	Check terms
YouHodler	Go to Platform	11% APY	—	—	—	Check terms
Lune.fi	Go to Platform	29.5% APY	—	—	—	Check terms
EarnPark	Go to Platform	20% APY	—	—	—	Check terms
Bitfinex	Go to Platform	10.18% APY	—	—	—	Check terms
OKX	Go to Platform	9.13% APY	—	—	—	Check terms
JustLend	Go to Platform	6.53% APY	—	—	—	Check terms
AQRU	Go to Platform	6% APY	—	—	—	Check terms
Maple	Go to Platform	4.1% APY	—	—	—	Check terms
Fluid	Go to Platform	3.97% APY	—	—	—	Check terms

Rates as listed by providers on Jul 17, 2026

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.

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YouHodler currently offers the highest Tether lending rate in the United States at 11.00% APY, matching its 30-day average of 11.00%.

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

Provider	Current Rate	Trend	Average Rate
Lunefi	29.5%		avg 0%
Earnpark	20%		avg 0%
Nexo	11.5%		avg 9.5%
YouHodler	11%	-	avg 11%
Bitfinex	10.18%		avg 10.44%
OKX	9.13%	-	avg 9.13%
Best 30-day averageYouHodler (11% APY)

Last updated: Jul 17, 2026, 12:55 PM

Platform Safety Information

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

Platform	Regulatory Status	Proof of Reserves	Track Record	Insurance
AQRU	—	—	—	general
Bitfinex	Unregulated	None	Has issues	None
Nexo	EU (VARA Dubai, Multiple VASPs)	2024-12 (Armanino)	Has issues	Custodial insurance
OKX	EU (MiCA Malta, VARA)	2025-01 (Hacken)	No defaults	None

How we gather this information

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Tether Lending Guide

How to lend Tether

Crypto lending guide

Frequently Asked Questions About Tether (USDT) Lending

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

July 16, 2026U.S.' OFAC adds four Iran central bank crypto wallets to sanctions, Tether freezes $131 million of USDT

The freeze targets TRON-based addresses that previously held over $165 million, preventing those specific funds from being transferred or redeemed.

July 16, 2026China vows to defend companies against US tariffs on Russian energy buyers, boosting case for crypto settlement

China vows to defend firms against the Sanctioning Russia Act of 2026, which proposes 100% tariffs on Russian energy buyers, boosting crypto settlement

July 15, 2026US Treasury Freezes $131 Million in Iran-Linked Crypto Wallets - Decrypt

OFAC sanctioned addresses tied to Iran's central bank and armed forces, with Tether locking four Tron wallets as Washington's financial campaign against Tehran accelerates.

Frequently Asked Questions About Tether (USDT) Lending

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.