Average USDT lending rates
Showing the average APRs over historical periods for USDT on Aave V3 Ethereum (incentives not included).
| Rate | 1d | 7d | 30d | 6m | 1y |
|---|---|---|---|---|---|
| Average Supply APR | 4.12% | 2.51% | 2.11% | 2.78% | 3.41% |
| Average Borrow APR | 5.90% | 3.66% | 3.23% | 4.14% | 4.78% |
Daily snapshots
Showing daily snapshots (midnight UTC) for USDT on Aave V3 Ethereum.
|
Date
|
Supplied
|
Supply APR
|
Borrowed
|
Borrow APR
|
|---|---|---|---|---|
| Apr 15, 2026 | 4.66B | 2.18% | 3.47B | 3.24% |
| Apr 14, 2026 | 4.64B | 2.43% | 3.66B | 3.42% |
| Apr 13, 2026 | 4.74B | 2.18% | 3.54B | 3.25% |
| Apr 12, 2026 | 4.73B | 2.24% | 3.58B | 3.29% |
| Apr 11, 2026 | 4.72B | 2.23% | 3.56B | 3.28% |
| Apr 10, 2026 | 4.75B | 2.15% | 3.52B | 3.22% |
| Apr 09, 2026 | 4.74B | 2.09% | 3.47B | 3.18% |
Monthly snapshots
Showing monthly snapshots (first day of month, midnight UTC) for USDT on Aave V3 Ethereum.
|
Date
|
Supplied
|
Supply APR
|
Borrowed
|
Borrow APR
|
|---|---|---|---|---|
| Apr 01, 2026 | 4.97B | 1.97% | 3.53B | 3.09% |
| Mar 01, 2026 | 5.54B | 2.00% | 3.55B | 3.48% |
| Feb 01, 2026 | 6.54B | 2.62% | 4.79B | 3.98% |
| Jan 01, 2026 | 5.77B | 3.26% | 4.49B | 4.66% |
| Dec 01, 2025 | 6.08B | 3.08% | 4.60B | 4.52% |
| Nov 01, 2025 | 6.41B | 3.46% | 4.92B | 5.01% |
| Oct 01, 2025 | 6.37B | 4.56% | 5.40B | 5.99% |
| Sep 01, 2025 | 7.12B | 4.28% | 5.84B | 5.80% |
| Aug 01, 2025 | 7.22B | 3.85% | 6.11B | 5.05% |
| Jul 01, 2025 | 5.14B | 2.88% | 3.76B | 4.37% |
| Jun 01, 2025 | 3.95B | 3.80% | 3.32B | 5.02% |
| May 01, 2025 | 3.87B | 1.99% | 2.25B | 3.79% |
Liquidity impact
Using the interest rate model to simulate the market rates in the event of a deposit, borrow, repayment or withdrawal (incentives not included).
Showing the immediate impact of deposit events for USDT on Aave V3 Ethereum.
| Action |
Supply APR
Supply APR after the deposit (change from current)
|
Borrow APR
Borrow APR after the deposit (change from current)
|
Utilization
Utilization after the deposit
|
Model
Interest rate curve showing the optimal utilization kink (92%) and the utilization after deposit (circle)
|
|---|---|---|---|---|
| current | 2.36% | 3.38% | 77.67% | |
| $100.0M deposit | 2.26% (-0.10%) | 3.30% (-0.07%) | 75.98% | |
| $250.0M deposit | 2.12% (-0.24%) | 3.20% (-0.18%) | 73.57% | |
| $500.0M deposit | 1.91% (-0.45%) | 3.04% (-0.34%) | 69.88% | |
| $1.00B deposit | 1.58% (-0.78%) | 2.76% (-0.62%) | 63.51% |
Showing the immediate impact of borrow events for USDT on Aave V3 Ethereum.
| Action |
Supply APR
Supply APR after the borrow (change from current)
|
Borrow APR
Borrow APR after the borrow (change from current)
|
Utilization
Utilization after the borrow
|
Model
Interest rate curve showing the optimal utilization kink (92%) and the utilization after borrow (circle)
|
|---|---|---|---|---|
| current | 2.36% | 3.38% | 77.67% | |
| $100.0M borrow | 2.50% (+0.14%) | 3.47% (+0.10%) | 79.90% | |
| $250.0M borrow | 2.71% (+0.35%) | 3.62% (+0.24%) | 83.25% | |
| $500.0M borrow | 3.09% (+0.73%) | 3.86% (+0.48%) | 88.83% | |
| $1.00B borrow | 12.57% (+10.21%) | 13.97% (+10.60%) | 99.98% |
Showing the immediate impact of repayment events for USDT on Aave V3 Ethereum.
| Action |
Supply APR
Supply APR after the repayment (change from current)
|
Borrow APR
Borrow APR after the repayment (change from current)
|
Utilization
Utilization after the repayment
|
Model
Interest rate curve showing the optimal utilization kink (92%) and the utilization after repayment (circle)
|
|---|---|---|---|---|
| current | 2.36% | 3.38% | 77.67% | |
| $100.0M repayment | 2.23% (-0.13%) | 3.28% (-0.10%) | 75.44% | |
| $250.0M repayment | 2.03% (-0.33%) | 3.13% (-0.24%) | 72.10% | |
| $500.0M repayment | 1.73% (-0.63%) | 2.89% (-0.48%) | 66.52% | |
| $1.00B repayment | 1.20% (-1.16%) | 2.41% (-0.97%) | 55.37% |
Showing the immediate impact of withdrawal events for USDT on Aave V3 Ethereum.
| Action |
Supply APR
Supply APR after the withdrawal (change from current)
|
Borrow APR
Borrow APR after the withdrawal (change from current)
|
Utilization
Utilization after the withdrawal
|
Model
Interest rate curve showing the optimal utilization kink (92%) and the utilization after withdrawal (circle)
|
|---|---|---|---|---|
| current | 2.36% | 3.38% | 77.67% | |
| $100.0M withdrawal | 2.47% (+0.11%) | 3.45% (+0.08%) | 79.45% | |
| $250.0M withdrawal | 2.65% (+0.29%) | 3.58% (+0.20%) | 82.26% | |
| $500.0M withdrawal | 2.99% (+0.63%) | 3.80% (+0.42%) | 87.42% | |
| $1.00B withdrawal | 12.57% (+10.21%) | 13.97% (+10.59%) | 99.97% |