USDTHighest with no requirements12.28% Fluid Fluid (PoS) Tether USDHighest flexible base APR4.00% BitgetLowest borrow rate3.36% Bitget VIP0
Platform
The highest APR available, including the first tier and any boost, calculated as simple interest. Items marked “Compounded” show the platform’s compounded APR.Max APR
Product
Term
The base APR everyone can get. The next row shows the boost portion.Base / boost
For tiered products, shows the number of tiers and the first-tier cap; for non-tiered products, shows the per-user cap. The next row shows the platform’s remaining limit.Limit
Thresholds
Boost ends
Total value deposited on-chain, in USD.TVL
Fluid
On-chain · Polygon
12.28%
Fluid (PoS) Tether USD
Lending deposits
Flexible
12.28%
n/a
$460K
OKX wallet
Wallet · Solana
11.31%
Compounded
Kamino / SOL/BTC Market
Lending deposits
Flexible
11.31%
—
n/a
$11.3M
Fluid
On-chain · BNB Chain
10.60%
Fluid Tether USD
Lending deposits
Flexible
10.60%
n/a
$791K
HTX
Exchanges
10.00%
Flexible
Flexible
1.95%
Boost +8.05%
2 tiers · first tier ≤ 200 USDT
Remaining 15.8B USDT
n/a
—
OKX wallet
Wallet · Solana
9.57%
Compounded
Kamino / JLP Pool
Lending deposits
Flexible
9.57%
—
n/a
$1.99M
Bitget
Exchanges
8.34%
Flexible
Flexible
3.68%
Boost +4.66%
2 tiers · first tier ≤ 300 USDT
n/a
—
Gate
Exchanges
8.00%
USDT - 3 天
Fixed
3 days
8.00%
—
n/a
Binance
Exchanges
7.24%
Flexible
Flexible
3.24%
Boost +4.00%
2 tiers · first tier ≤ 300 USDT
n/a
—
Bybit
Exchanges
7.11%
Flexible
Flexible
2.11%
Boost +5.00%
2 tiers · first tier ≤ 100 USDT
n/a
—
Morpho
On-chain · Ethereum
6.54%
Compounded
Steakhouse Prime USDT
Lending deposits
Flexible
6.54%
n/a
$83.1M
Gate
Exchanges
6.00%
USDT - 3 天
Fixed
3 days
6.00%
—
n/a
Gate
Exchanges
6.00%
USDT - 疯狂星期三
Fixed
3 days
6.00%
—
n/a
Bybit
Exchanges
5.95%
On-chain earn
Flexible
5.95%
Per user ≤ 15.0M USDT
n/a
Compound
On-chain · Ethereum
5.78%
cUSDTv3
Lending deposits
Flexible
5.78%
n/a
—
Morpho
On-chain · Ethereum
5.75%
Compounded
Steakhouse USDT
Lending deposits
Flexible
5.75%
n/a
$83.5M
Bitget
Exchanges
5.50%
Flexible
Flexible
3.50%
Boost +2.00%
2 tiers · first tier ≤ 300K USDT
n/a
—
Fluid
On-chain · Ethereum
5.39%
Fluid Tether USD
Lending deposits
Flexible
5.39%
n/a
$129M
OKX wallet
Wallet · Avalanche C
5.16%
Compounded
BENQI / Core Markets
Lending deposits
Flexible
5.16%
—
n/a
$3.43M
Fluid
On-chain · Arbitrum
5.14%
Fluid Tether USD
Lending deposits
Flexible
5.14%
n/a
$40.0M
OKX wallet
Wallet · Ethereum
5.07%
Compounded
Syrup
On-chain earn
Flexible
5.07%
—
n/a
$319M
Jupiter
On-chain · Solana
5.01%
jupiter lend USDT
Lending deposits
Flexible
5.01%
n/a
$17.2M
Bybit
Exchanges
5.00%
Fixed
90 days
5.00%
—
n/a
Bybit
Exchanges
5.00%
USDT → USDE
On-chain earn
Flexible
5.00%
Per user ≤ 100M USDT
n/a
Gate
Exchanges
5.00%
USDT - 60
Fixed
60 days
5.00%
Per user ≤ 20.0M USDT
Remaining 50.0M USDT
n/a
OKX wallet
Wallet · Optimism
4.85%
Compounded
Compound V3
Lending deposits
Flexible
4.85%
—
n/a
$1.32M
Kamino
On-chain · Solana
4.72%
Compounded
Lending deposits
Flexible
4.72%
n/a
$11.3M
OKX wallet
Wallet · Ethereum
4.69%
Compounded
Compound V3
Lending deposits
Flexible
4.69%
—
n/a
$160M
OKX wallet
Wallet · Optimism
4.67%
Compounded
Aave V3
Lending deposits
Flexible
4.67%
—
n/a
$3.78M
Gate
Exchanges
4.51%
On-chain earn
Flexible
4.51%
—
n/a
Gate
Exchanges
4.47%
USDT - 90
Fixed
90 days
4.47%
Per user ≤ 20.0M USDT
Remaining 50.0M USDT
n/a
OKX wallet
Wallet · Ethereum
4.40%
Compounded
Fluid
Lending deposits
Flexible
4.40%
—
n/a
$129M
OKX wallet
Wallet · X Layer
4.27%
Compounded
Aave V3 / Main Market
Lending deposits
Flexible
2.27%
Boost +2.00%
—
n/a
—
$44.2M
OKX wallet
Wallet · Solana
4.11%
Compounded
Jupiter
Lending deposits
Flexible
4.11%
—
n/a
$17.5M
KuCoin
Exchanges
4.10%
USDT-365D
Fixed
365 days
4.10%
—
n/a
Binance
Exchanges
4.08%
Yield-bearing stablecoins
Flexible
4.08%
—
n/a
OKX
Exchanges
4.00%
简单赚币
Fixed
90 days
4.00%
—
n/a
Bitget
Exchanges
4.00%
Flexible
Flexible
4.00%
—
n/a
KuCoin
Exchanges
4.00%
KCUSD
Yield-bearing stablecoins
Flexible
4.00%
—
n/a
OKX wallet
Wallet · Ethereum
4.00%
Compounded
Spark
Lending deposits
Flexible
4.00%
—
n/a
$329M
Venus
On-chain · BNB Chain
3.94%
Compounded
Venus USDT
Lending deposits
Flexible
3.94%
n/a
$172M
Aave
On-chain · Ethereum
3.86%
Compounded
AaveV3Ethereum
Lending deposits
Flexible
3.86%
n/a
$2.70B
OKX wallet
Wallet · Avalanche C
3.75%
Compounded
Aave V3
Lending deposits
Flexible
3.75%
—
n/a
$24.8M
OKX wallet
Wallet · Plasma
3.74%
Compounded
Aave V3
Lending deposits
Flexible
3.74%
—
n/a
$766M
OKX wallet
Wallet · Ethereum
3.72%
Compounded
Spark / Spark Savings V2
Lending deposits
Flexible
3.72%
—
n/a
$441M
OKX
Exchanges
3.68%
Flexible
Flexible
3.68%
—
n/a
Gate
Exchanges
3.68%
On-chain earn
Flexible
3.68%
—
n/a
OKX wallet
Wallet · X Layer
3.68%
Compounded
Spark / Spark Savings V2
Lending deposits
Flexible
3.68%
—
n/a
$8.44M
OKX wallet
Wallet · Ethereum
3.67%
Compounded
Aave V3
Lending deposits
Flexible
3.67%
—
n/a
$2.70B
Binance
Exchanges
3.61%
Yield-bearing stablecoins
Flexible
3.61%
—
n/a
KuCoin
Exchanges
3.60%
USDT-180D
Fixed
180 days
3.60%
—
n/a