Tether Lending Rates: Compare Best (USDT) APY
Earn interest on Tether up to 35% APY. Compare rates and features on 42 platforms.
Earn interest on Tether up to 35% APY. Compare rates and features on 42 platforms.
| Platform | Action | Max Rate | Base Rate | Min Deposit | Lockup | NG Access |
|---|---|---|---|---|---|---|
| Nexo | Go to Platform | 14% APY | 10% APY | — | 90 days | Check terms |
| Nebeus | Go to Platform | 13% APY | 10.5% APY | $1000 | — | Check terms |
| EarnPark | Go to Platform | 30% APY | — | — | 30 days | Not NG |
| YouHodler | Go to Platform | 20% APY | — | — | — | Not NG |
| Syrup | Go to Platform | 4.73% APY | — | — | — | Check terms |
| AQRU | Go to Platform | 6% APY | — | — | — | Check terms |
| Compound | Go to Platform | 3.28% APY | — | — | — | Check terms |
| Wirex | Go to Platform | 16% APY | — | — | — | Check terms |
| Neverless | Go to Platform | 14% APY | — | — | — | Check terms |
| Blockchain.com | Go to Platform | 10% APY | — | — | — | Check terms |
Rates shown are the headline rates we track for Nigeria users; actual rates may vary by product, tier, or terms.
| Date | Earnpark | YouHodler | Nexo | Aqru | Syrup | Compound |
|---|---|---|---|---|---|---|
| 2026-01-07 | 0.35 | 20.00 | 14.00 | 6.00 | 4.78 | - |
| 2026-01-08 | 0.35 | 20.00 | 14.00 | 6.00 | 4.76 | - |
| 2026-01-09 | 0.35 | 20.00 | 14.00 | 6.00 | 4.74 | - |
| 2026-01-10 | 0.35 | 20.00 | 14.00 | 6.00 | 4.73 | - |
| 2026-01-11 | 0.35 | 20.00 | 14.00 | 6.00 | 4.72 | - |
| 2026-01-12 | 0.33 | 20.00 | 14.00 | 6.00 | 4.70 | - |
| 2026-01-13 | 0.30 | 20.00 | 14.00 | 6.00 | 4.69 | - |
| 2026-01-14 | 0.30 | 20.00 | 14.00 | 6.00 | 4.69 | - |
| 2026-01-15 | 0.30 | 20.00 | 14.00 | 6.00 | 4.69 | - |
| 2026-01-16 | 0.30 | 20.00 | 14.00 | 6.00 | 4.70 | - |
| 2026-01-17 | 0.30 | 20.00 | 14.00 | 6.00 | 4.73 | - |
| 2026-01-18 | 0.30 | 20.00 | 14.00 | 6.00 | 4.75 | - |
| 2026-01-19 | 0.30 | 20.00 | 14.00 | 6.00 | 4.77 | - |
| 2026-01-20 | 0.30 | 20.00 | 14.00 | 6.00 | 4.79 | - |
| 2026-01-21 | 0.30 | 20.00 | 14.00 | 6.00 | 4.81 | - |
| 2026-01-22 | 0.30 | 20.00 | 14.00 | 6.00 | 4.83 | - |
| 2026-01-23 | 0.30 | 20.00 | 14.00 | 6.00 | 4.85 | - |
| 2026-01-24 | 0.30 | 20.00 | 12.00 | 6.00 | 4.85 | - |
| 2026-01-25 | 0.30 | 20.00 | 12.00 | 6.00 | 4.84 | - |
| 2026-01-26 | 0.30 | 20.00 | 12.00 | 6.00 | 4.83 | - |
| 2026-01-27 | 0.30 | 20.00 | 12.00 | 6.00 | 4.81 | - |
| 2026-01-28 | 0.30 | 20.00 | 12.00 | 6.00 | 4.80 | - |
| 2026-01-29 | 24.66 | 20.00 | 12.00 | 6.00 | 4.79 | - |
| 2026-01-30 | 30.00 | 20.00 | 12.00 | 6.00 | 4.79 | - |
| 2026-01-31 | 30.00 | 20.00 | 12.00 | 6.00 | 4.79 | - |
| 2026-02-01 | 30.00 | 20.00 | 12.00 | 6.00 | 4.78 | - |
| 2026-02-02 | 30.00 | 20.00 | 12.00 | 6.00 | 4.78 | - |
| 2026-02-03 | 30.00 | 20.00 | 12.00 | 6.00 | 4.77 | - |
YouHodler currently offers the highest Tether lending rate in Nigeria at 20.00% APY, matching its 30-day average of 20.00%.
We evaluate each platform on 5 factors. Higher stars = lower risk.
| Platform | Regulatory Status | Proof of Reserves | Track Record | Insurance |
|---|---|---|---|---|
| Nexo | EU (VARA Dubai, Multiple VASPs) | 2024-12 (Armanino) | Has issues | Custodial insurance |
