Average USDT lending rates
Showing the average APRs over historical periods for USDT on Aave V3 Optimism (incentives not included).
| Rate | 1d | 7d | 30d | 6m | 1y |
|---|---|---|---|---|---|
| Average Supply APR | 2.33% | 2.11% | 1.86% | 2.62% | 3.41% |
| Average Borrow APR | 3.64% | 3.27% | 3.03% | 4.06% | 4.80% |
Daily snapshots
Showing daily snapshots (midnight UTC) for USDT on Aave V3 Optimism.
|
Date
|
Supplied
|
Supply APR
|
Borrowed
|
Borrow APR
|
|---|---|---|---|---|
| Apr 15, 2026 | 5.75M | 2.09% | 4.16M | 3.21% |
| Apr 14, 2026 | 5.66M | 2.14% | 4.14M | 3.25% |
| Apr 13, 2026 | 5.66M | 2.16% | 4.16M | 3.27% |
| Apr 12, 2026 | 5.66M | 2.03% | 4.04M | 3.17% |
| Apr 11, 2026 | 5.67M | 2.09% | 4.10M | 3.21% |
| Apr 10, 2026 | 5.81M | 1.96% | 4.07M | 3.12% |
| Apr 09, 2026 | 5.82M | 1.94% | 4.06M | 3.10% |
Monthly snapshots
Showing monthly snapshots (first day of month, midnight UTC) for USDT on Aave V3 Optimism.
|
Date
|
Supplied
|
Supply APR
|
Borrowed
|
Borrow APR
|
|---|---|---|---|---|
| Apr 01, 2026 | 6.05M | 1.73% | 3.98M | 2.93% |
| Mar 01, 2026 | 5.92M | 2.17% | 3.89M | 3.66% |
| Feb 01, 2026 | 7.69M | 2.67% | 5.61M | 4.06% |
| Jan 01, 2026 | 9.32M | 2.34% | 6.08M | 3.99% |
| Dec 01, 2025 | 9.99M | 2.48% | 6.70M | 4.10% |
| Nov 01, 2025 | 11.5M | 4.02% | 9.42M | 5.46% |
| Oct 01, 2025 | 11.2M | 4.83% | 9.63M | 6.23% |
| Sep 01, 2025 | 10.8M | 5.03% | 9.52M | 6.36% |
| Aug 01, 2025 | 10.1M | 4.39% | 9.07M | 5.46% |
| Jul 01, 2025 | 11.0M | 3.17% | 8.34M | 4.64% |
| Jun 01, 2025 | 9.57M | 3.92% | 8.08M | 5.16% |
| May 01, 2025 | 10.5M | 3.19% | 7.66M | 4.86% |
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 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 | 1.95% | 3.10% | 69.78% | |
| $1.00M deposit | 1.42% (-0.53%) | 2.64% (-0.46%) | 59.48% | |
| $5.00M deposit | 0.56% (-1.39%) | 1.66% (-1.44%) | 37.40% |
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 | 1.95% | 3.10% | 69.78% | |
| $1.00M borrow | 3.03% (+1.09%) | 3.87% (+0.77%) | 87.10% |
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 | 1.95% | 3.10% | 69.78% | |
| $1.00M repayment | 1.10% (-0.85%) | 2.33% (-0.77%) | 52.47% |
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 | 1.95% | 3.10% | 69.78% | |
| $1.00M withdrawal | 2.85% (+0.90%) | 3.75% (+0.65%) | 84.40% |