USDT
Aave
Average USDT lending rates
Showing the average APRs over historical periods for USDT on Aave V3 Optimism.
| Rate | 1d | 7d | 30d | 6m | 1y |
|---|---|---|---|---|---|
| Average Supply APR | 3.18% | 3.00% | 2.40% | 3.80% | 3.72% |
| Average Borrow APR | 4.52% | 4.30% | 3.88% | 5.26% | 5.35% |
Daily snapshots
Showing daily snapshots (midnight UTC) for USDT on Aave V3 Optimism.
|
Date
|
Supplied
|
Supply APR
|
Borrowed
|
Borrow APR
|
|---|---|---|---|---|
| Jan 29, 2026 | 7.78M | 3.05% | 6.07M | 4.34% |
| Jan 28, 2026 | 7.78M | 3.05% | 6.07M | 4.34% |
| Jan 27, 2026 | 7.74M | 3.07% | 6.06M | 4.35% |
| Jan 26, 2026 | 7.73M | 3.07% | 6.05M | 4.35% |
| Jan 25, 2026 | 7.71M | 3.13% | 6.10M | 4.39% |
| Jan 24, 2026 | 7.61M | 3.22% | 6.10M | 4.46% |
| Jan 23, 2026 | 8.67M | 2.47% | 6.10M | 3.91% |
Monthly snapshots
Showing monthly snapshots with average APRs over the preceding 30 days for USDT on Aave V3 Optimism.
|
Date
|
Supplied
|
Supply APR 30d
|
Borrowed
|
Borrow APR 30d
|
|---|---|---|---|---|
| Jan 01, 2026 | 9.32M | 2.96% | 6.08M | 4.48% |
| Dec 01, 2025 | 9.99M | 3.48% | 6.70M | 5.01% |
| Nov 01, 2025 | 11.5M | 4.76% | 9.42M | 6.20% |
| Oct 01, 2025 | 11.2M | 4.63% | 9.63M | 6.11% |
| Sep 01, 2025 | 10.8M | 4.51% | 9.52M | 5.84% |
| Aug 01, 2025 | 10.1M | 4.20% | 9.07M | 5.45% |
| Jul 01, 2025 | 11.0M | 3.96% | 8.34M | 5.17% |
| Jun 01, 2025 | 9.57M | 3.59% | 8.08M | 4.91% |
| May 01, 2025 | 10.5M | 2.22% | 7.66M | 4.00% |
| Apr 01, 2025 | 14.8M | 3.06% | 8.95M | 5.46% |
| Mar 01, 2025 | 16.6M | 5.15% | 10.7M | 8.10% |
Liquidity impact
Using the interest rate model to simulate the market rates in the event of a deposit, borrow, repayment or withdrawal.
Showing the immediate impact of deposit events for USDT on Aave V3 Optimism.
| 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 (90%) and the utilization after deposit (circle)
|
|---|---|---|---|---|
| current | 3.05% | 4.34% | 78.12% | |
| $1.00M deposit | 2.39% (-0.66%) | 3.84% (-0.50%) | 69.21% | |
| $5.00M deposit | 1.13% (-1.92%) | 2.64% (-1.70%) | 47.52% |
Showing the immediate impact of borrow events for USDT on Aave V3 Optimism.
| 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 (90%) and the utilization after borrow (circle)
|
|---|---|---|---|---|
| current | 3.05% | 4.34% | 78.12% | |
| $1.00M borrow | 4.91% (+1.86%) | 6.00% (+1.66%) | 91.00% |
Showing the immediate impact of repayment events for USDT on Aave V3 Optimism.
| 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 (90%) and the utilization after repayment (circle)
|
|---|---|---|---|---|
| current | 3.05% | 4.34% | 78.12% | |
| $1.00M repayment | 2.13% (-0.92%) | 3.62% (-0.72%) | 65.24% | |
| $5.00M repayment | 0.09% (-2.96%) | 0.76% (-3.58%) | 13.73% |
Showing the immediate impact of withdrawal events for USDT on Aave V3 Optimism.
| 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 (90%) and the utilization after withdrawal (circle)
|
|---|---|---|---|---|
| current | 3.05% | 4.34% | 78.12% | |
| $1.00M withdrawal | 4.02% (+0.97%) | 4.98% (+0.64%) | 89.67% |