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Live and historical Aave rates
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USDT
USDT token icon USDT
(PoS) Tether USD
Market
Protocol
aave icon Aave
Supply APR
Current interest rate being earned by depositors
2.73%
Borrow APR
Current interest rate being paid by borrowers
6.04%
Supplied ($)
Total value currently deposited in USD terms
$49.3M
Borrowed ($)
Total value currently borrowed in USD terms
$29.8M
Oracle price
Asset price from market oracle
$1
Supplied
49.4M USDT
Borrowed
29.8M USDT
Get 4+ years of historical data on Aavescan Pro
Line chart showing historical data for USDT on Polygon V3 Line chart showing historical data for USDT on Polygon V3
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Borrow APR chevron down
Line chart showing Borrow APR for USDT on Polygon V3 Line chart showing Borrow APR for USDT on Polygon V3
Supply APR chevron down
Line chart showing Supply APR for USDT on Polygon V3 Line chart showing Supply APR for USDT on Polygon V3
Supplied ($) chevron down
Line chart showing Supplied ($) for USDT on Polygon V3 Line chart showing Supplied ($) for USDT on Polygon V3
Borrowed ($) chevron down
Line chart showing Borrowed ($) for USDT on Polygon V3 Line chart showing Borrowed ($) for USDT on Polygon V3
Util chevron down
Line chart showing Util for USDT on Polygon V3 Line chart showing Util for USDT on Polygon V3
Supplied chevron down
Line chart showing Supplied for USDT on Polygon V3 Line chart showing Supplied for USDT on Polygon V3
Borrowed chevron down
Line chart showing Borrowed for USDT on Polygon V3 Line chart showing Borrowed for USDT on Polygon V3
Price ($) chevron down
Line chart showing Price ($) for USDT on Polygon V3 Line chart showing Price ($) for USDT on Polygon V3

Average USDT lending rates

Showing the average APRs over historical periods for USDT on Aave V3 Polygon.

Rate1d7d30d6m1y
Average Supply APR 2.71%2.64%2.76%3.68%3.81%
Average Borrow APR 6.00%5.93%6.06%6.97%7.08%

Daily snapshots

Showing daily snapshots (midnight UTC) for USDT on Aave V3 Polygon.

Date
Supplied
Supply APR
Borrowed
Borrow APR
Jan 29, 2026 49.6M 2.72% 29.9M 6.02%
Jan 28, 2026 49.6M 2.71% 29.8M 6.01%
Jan 27, 2026 49.5M 2.74% 29.9M 6.04%
Jan 26, 2026 50.3M 2.66% 29.9M 5.95%
Jan 25, 2026 50.3M 2.66% 29.9M 5.95%
Jan 24, 2026 50.5M 2.53% 29.3M 5.81%
Jan 23, 2026 50.5M 2.53% 29.3M 5.81%
Download 90 days CSV PRO Download Entire History CSV Get 4+ years historical data on Aavescan Pro

Monthly snapshots

Showing monthly snapshots with average APRs over the preceding 30 days for USDT on Aave V3 Polygon.

Date
Supplied
Supply APR 30d
Borrowed
Borrow APR 30d
Jan 01, 2026 47.5M 2.89% 29.5M 6.20%
Dec 01, 2025 47.1M 3.41% 30.7M 6.74%
Nov 01, 2025 49.0M 4.26% 35.0M 7.52%
Oct 01, 2025 45.8M 4.66% 38.6M 7.88%
Sep 01, 2025 49.7M 4.01% 37.2M 7.31%
Aug 01, 2025 50.9M 3.90% 36.9M 7.20%
Jul 01, 2025 56.1M 3.58% 36.2M 6.85%
Jun 01, 2025 51.4M 4.03% 36.2M 7.28%
May 01, 2025 48.7M 3.55% 33.5M 6.84%
Apr 01, 2025 55.8M 3.72% 38.7M 7.07%
Mar 01, 2025 58.5M 5.34% 39.7M 8.29%
Get 4+ years historical data on Aavescan Pro

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 Polygon.

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 2.73% 6.04% 60.37%
$1.00M deposit 2.63% (-0.11%) 5.92% (-0.12%) 59.17%
$5.00M deposit 2.25% (-0.48%) 5.48% (-0.56%) 54.82%
$10.0M deposit 1.89% (-0.84%) 5.02% (-1.02%) 50.20%
$25.0M deposit 1.20% (-1.53%) 4.01% (-2.03%) 40.07%

Showing the immediate impact of borrow events for USDT on Aave V3 Polygon.

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 2.73% 6.04% 60.37%
$1.00M borrow 2.92% (+0.19%) 6.24% (+0.20%) 62.40%
$5.00M borrow 3.73% (+0.99%) 7.05% (+1.01%) 70.51%
$10.0M borrow 4.88% (+2.14%) 8.06% (+2.03%) 80.65%

Showing the immediate impact of repayment events for USDT on Aave V3 Polygon.

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 2.73% 6.04% 60.37%
$1.00M repayment 2.55% (-0.18%) 5.83% (-0.20%) 58.35%
$5.00M repayment 1.89% (-0.84%) 5.02% (-1.01%) 50.24%
$10.0M repayment 1.21% (-1.53%) 4.01% (-2.03%) 40.10%
$25.0M repayment 0.07% (-2.66%) 0.97% (-5.07%) 9.69%

Showing the immediate impact of withdrawal events for USDT on Aave V3 Polygon.

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 2.73% 6.04% 60.37%
$1.00M withdrawal 2.85% (+0.11%) 6.16% (+0.12%) 61.62%
$5.00M withdrawal 3.39% (+0.65%) 6.72% (+0.68%) 67.18%
$10.0M withdrawal 4.30% (+1.57%) 7.57% (+1.54%) 75.72%