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 | 1.67% | 1.63% | 1.95% | 3.18% | 3.44% |
| Average Borrow APR | 2.86% | 2.82% | 3.38% | 4.66% | 4.89% |
Daily snapshots
Showing daily snapshots (midnight UTC) for USDT on Aave V3 Optimism.
|
Date
|
Supplied
|
Supply APR
|
Borrowed
|
Borrow APR
|
|---|---|---|---|---|
| Mar 15, 2026 | 5.90M | 1.70% | 3.85M | 2.90% |
| Mar 14, 2026 | 5.94M | 1.67% | 3.84M | 2.87% |
| Mar 13, 2026 | 5.91M | 1.68% | 3.83M | 2.88% |
| Mar 12, 2026 | 5.93M | 1.66% | 3.82M | 2.86% |
| Mar 11, 2026 | 5.99M | 1.62% | 3.81M | 2.83% |
| Mar 10, 2026 | 6.03M | 1.59% | 3.80M | 2.80% |
| Mar 09, 2026 | 6.02M | 1.62% | 3.84M | 2.83% |
Monthly snapshots
Showing monthly snapshots (first day of month, midnight UTC) for USDT on Aave V3 Optimism.
|
Date
|
Supplied
|
Supply APR
|
Borrowed
|
Borrow APR
|
|---|---|---|---|---|
| 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% |
| Apr 01, 2025 | 14.8M | 2.19% | 8.95M | 4.03% |
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 | 1.70% | 2.90% | 65.18% | |
| $1.00M deposit | 1.24% (-0.46%) | 2.48% (-0.42%) | 55.75% | |
| $5.00M deposit | 0.50% (-1.20%) | 1.57% (-1.33%) | 35.32% |
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
Interest rate curve showing the optimal utilization kink (90%) and the utilization after borrow (circle)
|
|---|---|---|---|---|
| current | 1.70% | 2.90% | 65.18% | |
| $1.00M borrow | 2.70% (+1.00%) | 3.65% (+0.75%) | 82.08% |
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 | 1.70% | 2.90% | 65.18% | |
| $1.00M repayment | 0.93% (-0.77%) | 2.15% (-0.75%) | 48.27% |
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 | 1.70% | 2.90% | 65.18% | |
| $1.00M withdrawal | 2.46% (+0.76%) | 3.49% (+0.59%) | 78.44% |