Average USDS lending rates
Showing the average APRs over historical periods for USDS on Aave V3 Ethereum.
| Rate | 1d | 7d | 30d | 6m | 1y |
|---|---|---|---|---|---|
| Average Supply APR | 0.10% | 0.10% | 0.13% | 1.50% | 2.01% |
| Average Borrow APR | 5.50% | 5.60% | 5.53% | 5.74% | 5.56% |
Daily snapshots
Showing daily snapshots (midnight UTC) for USDS on Aave V3 Ethereum.
|
Date
|
Supplied
|
Supply APR
|
Borrowed
|
Borrow APR
|
|---|---|---|---|---|
| Mar 15, 2026 | 44.8M | 0.10% | 1.10M | 5.52% |
| Mar 14, 2026 | 44.7M | 0.10% | 1.10M | 5.52% |
| Mar 13, 2026 | 46.4M | 0.10% | 1.10M | 5.52% |
| Mar 12, 2026 | 46.4M | 0.10% | 1.10M | 5.52% |
| Mar 11, 2026 | 46.2M | 0.20% | 2.22M | 5.54% |
| Mar 10, 2026 | 46.2M | 0.10% | 1.10M | 5.52% |
| Mar 09, 2026 | 46.2M | 0.10% | 1.10M | 5.52% |
Monthly snapshots
Showing monthly snapshots (first day of month, midnight UTC) for USDS on Aave V3 Ethereum.
|
Date
|
Supplied
|
Supply APR
|
Borrowed
|
Borrow APR
|
|---|---|---|---|---|
| Mar 01, 2026 | 39.4M | 0.12% | 1.10M | 5.52% |
| Feb 01, 2026 | 39.5M | 0.54% | 5.05M | 5.60% |
| Jan 01, 2026 | 59.2M | 0.92% | 12.7M | 5.68% |
| Dec 01, 2025 | 54.7M | 1.34% | 14.2M | 5.71% |
| Nov 01, 2025 | 59.2M | 2.18% | 24.5M | 5.84% |
| Oct 01, 2025 | 61.1M | 2.15% | 25.0M | 5.83% |
| Sep 01, 2025 | 76.6M | 4.05% | 56.4M | 6.10% |
| Aug 01, 2025 | 83.7M | 5.93% | 77.4M | 7.13% |
| Jul 01, 2025 | 154.4M | 3.01% | 102.4M | 5.04% |
| Jun 01, 2025 | 292.3M | 2.70% | 176.0M | 4.99% |
| May 01, 2025 | 339.6M | 0.02% | 2.05M | 4.50% |
| Apr 01, 2025 | 383.5M | 0.09% | 5.77M | 6.51% |
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 USDS 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 | 0.10% | 5.52% | 2.46% | |
| $1.00M deposit | 0.10% (-0.00%) | 5.52% (-0.00%) | 2.40% | |
| $5.00M deposit | 0.09% (-0.01%) | 5.52% (-0.00%) | 2.21% | |
| $10.0M deposit | 0.08% (-0.02%) | 5.52% (-0.00%) | 2.01% | |
| $25.0M deposit | 0.07% (-0.04%) | 5.51% (-0.01%) | 1.58% |
Showing the immediate impact of borrow events for USDS 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 | 0.10% | 5.52% | 2.46% | |
| $1.00M borrow | 0.19% (+0.09%) | 5.54% (+0.02%) | 4.69% | |
| $5.00M borrow | 0.57% (+0.47%) | 5.61% (+0.09%) | 13.62% | |
| $10.0M borrow | 1.06% (+0.96%) | 5.70% (+0.18%) | 24.79% | |
| $25.0M borrow | 2.61% (+2.51%) | 5.98% (+0.46%) | 58.29% |
Showing the immediate impact of repayment events for USDS 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 | 0.10% | 5.52% | 2.46% | |
| $1.00M repayment | 0.01% (-0.09%) | 5.50% (-0.02%) | 0.22% |
Showing the immediate impact of withdrawal events for USDS 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 | 0.10% | 5.52% | 2.46% | |
| $1.00M withdrawal | 0.10% (+0.00%) | 5.52% (+0.00%) | 2.51% | |
| $5.00M withdrawal | 0.11% (+0.01%) | 5.52% (+0.00%) | 2.76% | |
| $10.0M withdrawal | 0.13% (+0.03%) | 5.53% (+0.01%) | 3.16% | |
| $25.0M withdrawal | 0.23% (+0.13%) | 5.55% (+0.03%) | 5.56% |