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 | 3.12% | 2.99% | 2.80% | 4.15% | 4.31% |
| Average Borrow APR | 4.68% | 4.51% | 4.42% | 5.56% | 6.15% |
Daily snapshots
Showing daily snapshots (midnight UTC) for USDT on Aave V3 Optimism.
|
date
|
supplied
|
supply APR
|
borrowed
|
borrow APR
|
|---|---|---|---|---|
| Dec 15, 2025 | 9.05M | 2.93% | 6.60M | 4.46% |
| Dec 14, 2025 | 9.03M | 2.96% | 6.62M | 4.48% |
| Dec 13, 2025 | 8.93M | 3.00% | 6.60M | 4.52% |
| Dec 12, 2025 | 8.92M | 3.01% | 6.60M | 4.52% |
| Dec 11, 2025 | 8.96M | 3.12% | 6.74M | 4.60% |
| Dec 10, 2025 | 8.95M | 3.02% | 6.63M | 4.53% |
| Dec 09, 2025 | 9.24M | 2.85% | 6.66M | 4.40% |
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
|
|---|---|---|---|---|
| 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% |
| Feb 01, 2025 | 19.1M | 7.75% | 13.7M | 10.81% |
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
Utilization after deposit (circle) and optimal utilization (solid line, 90%), above which rates rise sharply
|
|---|---|---|---|---|
| current | 2.99% | 4.51% | 73.76% | |
| $1.00M deposit | 2.42% (-0.57%) | 4.05% (-0.45%) | 66.34% | |
| $5.00M deposit | 1.23% (-1.76%) | 2.89% (-1.62%) | 47.32% |
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
Utilization after borrow (circle) and optimal utilization (solid line, 90%), above which rates rise sharply
|
|---|---|---|---|---|
| current | 2.99% | 4.51% | 73.76% | |
| $1.00M borrow | 3.97% (+0.98%) | 5.19% (+0.68%) | 84.93% |
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
Utilization after repayment (circle) and optimal utilization (solid line, 90%), above which rates rise sharply
|
|---|---|---|---|---|
| current | 2.99% | 4.51% | 73.76% | |
| $1.00M repayment | 2.15% (-0.84%) | 3.82% (-0.68%) | 62.58% | |
| $5.00M repayment | 0.18% (-2.82%) | 1.09% (-3.41%) | 17.88% |
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
Utilization after withdrawal (circle) and optimal utilization (solid line, 90%), above which rates rise sharply
|
|---|---|---|---|---|
| current | 2.99% | 4.51% | 73.76% | |
| $1.00M withdrawal | 3.79% (+0.80%) | 5.07% (+0.57%) | 83.04% |