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Tether (USDT) Loan Rates

Get a USDT-backed loan from 10% APY APR instead of selling. Compare 16 lending platforms.

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Updated: January 12, 2026
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Frequently Asked Questions About Tether (USDT) Loans

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

Precious Metals Royalties Firm to Offer Dividends in Tether's Tokenized Gold - Decrypt
February 17, 2026Precious Metals Royalties Firm to Offer Dividends in Tether's Tokenized Gold - Decrypt

Elemental Royalty said investors will be able to receive dividends in Tether’s XAUT, establishing a novel use case for tokenized gold.

Tether's tokenized gold (XAUT) to be paid out for dividend payments
February 17, 2026Tether's tokenized gold (XAUT) to be paid out for dividend payments

The company claimed the bragging right of being the first to let investors opt for dividend payments in a cryptocurrency, backed by gold.

Binance Rejects Claims of Iran-Linked Transactions and Staff Firings
February 16, 2026Binance Rejects Claims of Iran-Linked Transactions and Staff Firings

Binance has disputed a Fortune report alleging Iran-linked transactions and investigator firings, saying an internal review found no sanctions violations.

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Nebeus

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Compare Tether (USDT) Loan Rates

PlatformActionBest RateLTVMin CollateralUS Access
NexoGet Loan1.9% APR——Check terms
CompoundGet Loan3.83% APR——Check terms
AaveGet Loan5.74% APR——Check terms
NebeusGet Loan10% APR50%—Not US
YouHodlerGet Loan10% APR97%—Not US

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Showing 1 to 10 of 16 results

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Historical Tether loan 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 Nexo, Compound, YouHodler over the past 30-day

YouHodler currently offers the highest Tether loan rate in the United States at 10.00% APR, matching its 30-day average of 10.00%.

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

ProviderCurrent RateTrendAverage Rate
Nexo
1.9%avg 0.72%
Compound
3.83%avg 0%
YouHodler
10%-avg 10%
Best 30-day averageYouHodler (10% APR)
Last updated: Feb 19, 2026, 03:20 AM