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Tether (USDT) Lending Rates

Find the best USDT lending rates and earn up to 29.5% APY APY. Compare 13 platforms side-by-side.

Updated: April 29, 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 Lune.fi (29.5% APY) and YouHodler (11% APY). Compare USDT lending rates across 13 platforms.

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

Compare Tether (USDT) Lending Rates

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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 Lunefi, Earnpark, Nexo, YouHodler, OKX, Kamino over the past 30-day

Earnpark currently offers the highest Tether lending rate in the United States at 20.00% APY, slightly below its 30-day average of 21.94%.

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

ProviderCurrent RateTrendAverage Rate
Lunefi
29.5%avg 0%
Earnpark
20%avg 21.94%
Nexo
11.5%avg 9.81%
YouHodler
11%avg 19.08%
OKX
9.13%avg 0%
Kamino
6.93%avg 0%
Best 30-day averageEarnpark (21.94% APY)
Last updated: Apr 29, 2026, 04:30 AM

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
OKXEU (MiCA Malta, VARA)2025-01 (Hacken)No defaultsNone
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Tether Lending Guide

How to lend Tether
Crypto lending guide

Stablecoin Interest Rates

Compare lending, staking, and borrowing rates for USDT, USDC, DAI, and 40+ stablecoins across top platforms.

Up to 12% APY
40+ stablecoins
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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

Tether freezes $344M USDT amid KelpDAO exploit fallout, USDC depeg odds steady
April 28, 2026Tether freezes $344M USDT amid KelpDAO exploit fallout, USDC depeg odds steady

Tether froze $344M USDT amid KelpDAO exploit fallout, but USDC depeg by December 31 remains steady at 5% YES.

Stablecoin Transfer Volume Drops 19% as Supply Rises
April 28, 2026Stablecoin Transfer Volume Drops 19% as Supply Rises

RWA.xyz data shows stablecoin holders and market cap increased over 30 days, while transfer volume fell nearly 20% across blockchains.

Stablecoin Market Sheds $892M as KelpDAO Breach Triggers DeFi Unwind
April 26, 2026Stablecoin Market Sheds $892M as KelpDAO Breach Triggers DeFi Unwind

Stablecoins shed $892M after KelpDAO breach as USDe drops $2B and USDT tightens dominance in $320B market.