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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
3.88%
Borrow APR
Current interest rate being paid by borrowers
7.19%
Supplied ($)
Total value currently deposited in USD terms
$46.8M
Borrowed ($)
Total value currently borrowed in USD terms
$33.7M
Oracle price
Asset price from market oracle
$1
Supplied
46.9M USDT
Borrowed
33.7M USDT
Get 4+ years of historical data on Aavescan Pro
Line chart showing historical data for USDT on Polygon V3 Line chart showing historical data for USDT on Polygon V3
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Borrow APR chevron down
Line chart showing Borrow APR for USDT on Polygon V3 Line chart showing Borrow APR for USDT on Polygon V3
Supply APR chevron down
Line chart showing Supply APR for USDT on Polygon V3 Line chart showing Supply APR for USDT on Polygon V3
Supplied ($) 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 3.76%3.74%3.92%4.08%5.18%
Average Borrow APR 7.10%7.06%7.22%7.35%8.25%

Daily snapshots

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

date
supplied
supply APR
borrowed
borrow APR
Nov 08, 2025 46.8M 3.88% 33.7M 7.19%
Nov 07, 2025 48.8M 3.54% 33.5M 6.87%
Nov 06, 2025 49.3M 3.50% 33.7M 6.83%
Nov 05, 2025 49.0M 3.51% 33.6M 6.85%
Nov 04, 2025 48.5M 3.90% 34.9M 7.21%
Nov 03, 2025 48.9M 3.85% 35.0M 7.16%
Nov 02, 2025 48.9M 3.85% 35.0M 7.16%
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
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%
Feb 01, 2025 64.7M 8.04% 49.8M 10.96%
Jan 01, 2025 62.2M 9.76% 50.3M 12.12%
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
Utilization after deposit (circle) and optimal utilization (solid line, 90%), above which rates rise sharply
current 3.88% 7.19% 71.89%
$1.00M deposit 3.72% (-0.16%) 7.04% (-0.15%) 70.39%
$5.00M deposit 3.16% (-0.71%) 6.50% (-0.69%) 64.96%
$10.0M deposit 2.63% (-1.24%) 5.92% (-1.27%) 59.24%
$25.0M deposit 1.65% (-2.23%) 4.69% (-2.50%) 46.87%

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
Utilization after borrow (circle) and optimal utilization (solid line, 90%), above which rates rise sharply
current 3.88% 7.19% 71.89%
$1.00M borrow 4.11% (+0.23%) 7.40% (+0.21%) 74.03%
$5.00M borrow 5.11% (+1.24%) 8.26% (+1.07%) 82.57%
$10.0M borrow 8.56% (+4.69%) 12.25% (+5.06%) 93.25%

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
Utilization after repayment (circle) and optimal utilization (solid line, 90%), above which rates rise sharply
current 3.88% 7.19% 71.89%
$1.00M repayment 3.65% (-0.23%) 6.98% (-0.21%) 69.76%
$5.00M repayment 2.81% (-1.07%) 6.12% (-1.07%) 61.22%
$10.0M repayment 1.92% (-1.96%) 5.05% (-2.14%) 50.54%
$25.0M repayment 0.26% (-3.62%) 1.85% (-5.34%) 18.51%

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
Utilization after withdrawal (circle) and optimal utilization (solid line, 90%), above which rates rise sharply
current 3.88% 7.19% 71.89%
$1.00M withdrawal 4.05% (+0.17%) 7.35% (+0.16%) 73.46%
$5.00M withdrawal 4.86% (+0.98%) 8.05% (+0.86%) 80.48%
$10.0M withdrawal 7.14% (+3.26%) 10.41% (+3.22%) 91.41%