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Tether (USDT) Interest Rates

Compare Tether interest rates for lending, staking, and borrowing

$1.00
↑ 0.00%
Updated: February 24, 2026
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Compare Tether (USDT) Interest Rates

Tether (USDT) Lending Rates

PlatformActionMax RateBase RateMin DepositLockupUS Access
EarnParkGo to Platform30% APY——30 daysNot US
NexoGo to Platform13% APY9% APY—90 daysCheck terms
NebeusGo to Platform13% APY———Not US
YouHodlerGo to Platform20% APY———Not US
SyrupGo to Platform4.28% APY———Check terms
AQRUGo to Platform6% APY———Check terms
CompoundGo to Platform3.28% APY———Check terms
See all 42 lending rates

Tether (USDT) Staking Rewards

PlatformActionMax RateBase RateMin DepositLockupUS Access
EarnParkGo to Platform30% APY——30 daysNot US
YouHodlerGo to Platform20% APY———Not US
SyrupGo to Platform4.28% APY———Check terms
AQRUGo to Platform6% APY———Check terms
CompoundGo to Platform3.28% APY———Check terms
See all 5 staking rewards

Tether (USDT) Borrowing Rates

PlatformActionBest RateLTVMin CollateralUS Access
NexoGet Loan2.9% APR——Check terms
NebeusGet Loan10% APR——Not US
YouHodlerGet Loan10% APR——Not US
See all 16 borrowing rates

USDT Lending Rates Market Summary

Average Rate
12.79%APY
Highest Rate
30%APY
EarnPark
Platforms Tracked
7
Best Risk-Adjusted
30%APY
EarnPark

Tether Guides

How to buy Tether
How to earn Tether

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
Compare Stablecoin Rates →

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Best Tether (USDT) lending options compared: Highest Rate: EarnPark offers 30.00% APY. Maximum yield currently available. Best Overall: Nexo offers 13.00% APY. Regulated CeFi with insurance. Best DeFi Option: Syrup offers 4.28% APY. Non-custodial, no counterparty risk. Best CeFi Option: YouHodler offers 20.00% APY. Swiss-based CeFi platform.

Best USDT Lending Options

Highest Rate:EarnPark(30.00% APY)

Maximum yield currently available

Best Overall:Nexo(13.00% APY)

Regulated CeFi with insurance

Best DeFi Option:Syrup(4.28% APY)

Non-custodial, no counterparty risk

Best CeFi Option:YouHodler(20.00% APY)

Swiss-based CeFi platform

Recommendations based on current rates, platform type, and trust factors. Always do your own research before investing.

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  • Up to 16% APY on crypto and fiat currencies.
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Frequently Asked Questions About Tether (USDT) Interest Rates

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.

The highest Tether lending rate is 30.00% APY on EarnPark. USDT staking rewards reach 13.00% APY on Nexo. Borrow against USDT from 1.90% APR on Nexo. Rates tracked across 10 platforms. Last updated: 2026-02-24T17:01:11.264Z.

Best USDT Interest Rates

Updated Feb 24, 5:01 PM
Lending
30.00% APY
on EarnPark →
Staking
13.00% APY
on Nexo →
Borrowing
1.90% APR
on Nexo →

Comparing USDT rates across 10 platforms to find you the best yields.

The best USDT interest rate is currently 30.0% APY on EarnPark. Across 6 platforms, the average USDT lending rate is 12.8% APY. Below you can compare all USDT lending, staking, and borrowing rates side by side.

Tether USDT News

Tether-Backed Oobit Adds Crypto-to-Bank Transfers
February 24, 2026Tether-Backed Oobit Adds Crypto-to-Bank Transfers

Crypto payments app Oobit has launched a wallet-to-bank off-ramp that lets users send crypto from self-custody wallets and receive local currency in bank accounts via domestic payment rails.

Tether-backed crypto exchange is ditching the ‘retail’ label to build the secret plumbing for Europe’s biggest banks
February 24, 2026Tether-backed crypto exchange is ditching the ‘retail’ label to build the secret plumbing for Europe’s biggest banks

Bit2Me secured an EU MiCA license and is expanding into new markets, including Portugal and Italy initially, with plans for a further rollout in France and Germany.

Bitcoin Bottom at $60k? The Answer Might Be in Tether's Market Cap Chart
February 23, 2026Bitcoin Bottom at $60k? The Answer Might Be in Tether's Market Cap Chart

Tether’s USDt market cap has fallen to lows not seen since 2022, suggesting market capitulation and a possible bottom.

Stablecoins

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Tether (USDT)
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USDC (USDC)
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