Tether (USDT) Lending Rates
Find the best USDT lending rates and earn up to 29.5% APY APY. Compare 16 platforms side-by-side.
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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.
Compare Tether (USDT) Lending Rates
| Platform | Action | Max Rate | Base Rate | Min Deposit | Lockup | US Access |
|---|---|---|---|---|---|---|
| Euler Finance | Go to Platform | 3.79% APY | — | — | — | Check terms |
| Kamino | Go to Platform | 3.45% APY | — | — | — | Check terms |
| Morpho | Go to Platform | 2.94% APY | — | — | — | Check terms |
| Compound V3 | Go to Platform | 2.77% APY | — | — | — | Check terms |
| Aave V3 | Go to Platform | 2.41% APY | — | — | — | Check terms |
| JustLend | Go to Platform | 2.32% APY | — | — | — | Check terms |
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.
YouHodler currently offers the highest Tether lending rate in the United States at 11.00% APY, matching its 30-day average of 11.00%.
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 |
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