Average USDT lending rates
Showing the average APRs over historical periods for USDT on Aave V3 Ethereum.
| Rate | 1d | 7d | 30d | 6m | 1y |
|---|---|---|---|---|---|
| Average Supply APR | 1.72% | 1.64% | 1.85% | 3.24% | 3.44% |
| Average Borrow APR | 2.88% | 2.81% | 3.25% | 4.66% | 4.87% |
Daily snapshots
Showing daily snapshots (midnight UTC) for USDT on Aave V3 Ethereum.
|
Date
|
Supplied
|
Supply APR
|
Borrowed
|
Borrow APR
|
|---|---|---|---|---|
| Mar 15, 2026 | 5.36B | 1.68% | 3.51B | 2.85% |
| Mar 14, 2026 | 5.40B | 1.73% | 3.59B | 2.89% |
| Mar 13, 2026 | 5.43B | 1.71% | 3.59B | 2.87% |
| Mar 12, 2026 | 5.45B | 1.69% | 3.58B | 2.86% |
| Mar 11, 2026 | 5.54B | 1.64% | 3.58B | 2.81% |
| Mar 10, 2026 | 5.56B | 1.54% | 3.49B | 2.73% |
| Mar 09, 2026 | 5.56B | 1.54% | 3.49B | 2.72% |
Monthly snapshots
Showing monthly snapshots (first day of month, midnight UTC) for USDT on Aave V3 Ethereum.
|
Date
|
Supplied
|
Supply APR
|
Borrowed
|
Borrow APR
|
|---|---|---|---|---|
| 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% |
| Apr 01, 2025 | 2.77B | 3.23% | 2.05B | 4.84% |
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 | 1.69% | 2.86% | 65.67% | |
| $100.0M deposit | 1.63% (-0.06%) | 2.80% (-0.05%) | 64.47% | |
| $250.0M deposit | 1.54% (-0.15%) | 2.73% (-0.13%) | 62.74% | |
| $500.0M deposit | 1.41% (-0.28%) | 2.61% (-0.24%) | 60.07% | |
| $1.00B deposit | 1.20% (-0.49%) | 2.41% (-0.45%) | 55.35% |
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 | 1.69% | 2.86% | 65.67% | |
| $100.0M borrow | 1.78% (+0.10%) | 2.94% (+0.08%) | 67.53% | |
| $250.0M borrow | 1.94% (+0.25%) | 3.06% (+0.20%) | 70.33% | |
| $500.0M borrow | 2.20% (+0.51%) | 3.26% (+0.41%) | 74.99% | |
| $1.00B borrow | 2.78% (+1.09%) | 3.67% (+0.81%) | 84.32% |
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 | 1.69% | 2.86% | 65.67% | |
| $100.0M repayment | 1.59% (-0.09%) | 2.77% (-0.08%) | 63.80% | |
| $250.0M repayment | 1.46% (-0.23%) | 2.65% (-0.20%) | 61.01% | |
| $500.0M repayment | 1.24% (-0.45%) | 2.45% (-0.41%) | 56.34% | |
| $1.00B repayment | 0.87% (-0.82%) | 2.04% (-0.81%) | 47.02% |
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 | 1.69% | 2.86% | 65.67% | |
| $100.0M withdrawal | 1.75% (+0.06%) | 2.91% (+0.05%) | 66.92% | |
| $250.0M withdrawal | 1.86% (+0.17%) | 2.99% (+0.14%) | 68.88% | |
| $500.0M withdrawal | 2.05% (+0.36%) | 3.15% (+0.29%) | 72.42% | |
| $1.00B withdrawal | 2.55% (+0.86%) | 3.51% (+0.65%) | 80.72% |