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  1. Bitcompare
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  3. Tether (USDT)
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Tether logo

Tether (USDT) Loan Rates From 1.5% APR

Get a USDT-backed loan from 1.5% APR instead of selling. Compare 16 lending platforms.

Last updated: January 12, 2026|Advertising disclosure

Calculate USDT Repayment

NexoSponsored
Borrow Against Your Crypto with Nexo
  • Rates as low as 5.9% APR.
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  • No sell-off of your crypto assets.

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

Tether invests in LayerZero Labs as it doubles down on cross-chain tech, agentic finance
February 10, 2026Tether invests in LayerZero Labs as it doubles down on cross-chain tech, agentic finance

LayerZero’s Omnichain infrastructure (OFT) enables liquid stablecoin use across networks and “agentic finance” use cases.

Cointelegraph: Bitcoin, Ethereum, Crypto News & Price Indexes
February 9, 2026Cointelegraph: Bitcoin, Ethereum, Crypto News & Price Indexes

The most recent news about crypto industry at Cointelegraph. Latest news about bitcoin, ethereum, blockchain, mining, cryptocurrency prices and more

Cointelegraph: Bitcoin, Ethereum, Crypto News & Price Indexes
February 9, 2026Cointelegraph: Bitcoin, Ethereum, Crypto News & Price Indexes

The most recent news about crypto industry at Cointelegraph. Latest news about bitcoin, ethereum, blockchain, mining, cryptocurrency prices and more

Supported Lending Platforms

Nexo logo
Nexo
Nebeus logo
Nebeus
YouHodler logo
YouHodler
Aave logo
Aave
Compound logo
Compound

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Nebeus

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Compare Tether (USDT) Loan Rates

PlatformActionBest RateLTVMin CollateralUS Access
NexoGet Loan2.9% 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

1 — 10 / 16

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
2.9%avg 0%
Compound
3.83%avg 0%
YouHodler
10%-avg 10%
Best 30-day averageYouHodler (10% APR)
Last updated: Feb 11, 2026, 11:40 PM