Account Details
- Lockup Period
- None
- Compounding
- Daily
- Fees
- None
- Availability
- Worldwide
What we like
- Extremely high APY rates
Things to know
- Higher risk profile
17 Verified Lending Platforms
USDT Lending
Compare the best USDT lending rates from top lending platforms. Earn competitive APY on your USDT with flexible or fixed-term lending options.
#2
HEXN
Lending BTC, ETH, USD
USDT APY
15.00%
Lockup
30-365 days
Fees
Yes, for early withdrawls
Account Details
- Lockup Period
- 30-365 days
- Compounding
- None
- Fees
- Yes, for early withdrawls
- Availability
- Worldwide
What we like
- High rates for a wide amount of crypto
Things to know
- Minimum 30 day lock up
- Funds are locked while earning
- Newer, unproven platform (i.e. higher risk profile)
#3
Nexo
loans BTC, ETH, USD
USDT APY
8.00%
Lockup
None or 1 month
Fees
Limited free withdrawls per month
Account Details
- Lockup Period
- None or 1 month
- Compounding
- Daily
- Fees
- Limited free withdrawls per month
- Availability
- Worldwide
What we like
- Good rates for all coins deposited
- Popular platform
- 1-5 free withdrawal per month depending on loyalty tier
Things to know
- $5,000 minimum deposit
- Best rates require earning in NEXO token
EarnPark
Lending BTC, ETH, USD
USDT APY
7.00%
Lockup
None
Fees
Yes (network fees)
Account Details
- Lockup Period
- None
- Compounding
- Daily
- Fees
- Yes (network fees)
- Availability
- Worldwide (services limited in the US)
What we like
- Good interest rates
- Wide amount of supported assets
Things to know
- Rates will fluctuate
- Multiple yield strategies are confusing and earn differently
- Funds may be hard capped
Account Details
- Lockup Period
- None
- Compounding
- Daily
- Fees
- Yes
- Availability
- Not available in the US, Canada
What we like
- Compounding interest
- No lockups
- Wide coin support
Things to know
- Not available in the US
- Better rates require heavy trading volumes
- No signup bonus
Account Details
- Lockup Period
- None
- Compounding
- Daily
- Fees
- None
- Availability
- Worldwide
What we like
- Capital gains/tax efficiency
- Multiple stablecoins supported
Things to know
- Deposits must be on Solana chain
Account Details
- Lockup Period
- None
- Compounding
- Daily
- Fees
- None
- Availability
- Worldwide
What we like
- Simple, easy access to leading DeFi protocol yield
Things to know
- KYC required, potential waitlist
Account Details
- Lockup Period
- None
- Compounding
- None
- Fees
- No
- Availability
- Worldwide
What we like
- No KYC
Things to know
Account Details
- Lockup Period
- Flexible
- Compounding
- None
- Fees
- Yes
- Availability
- Worldwide
What we like
- Offers on and off-chain staking
- Full exchange services
Things to know
- Interest rate will vary (Kraken takes a flat 15% from staking rewards)
Account Details
- Lockup Period
- None
- Compounding
- None
- Fees
- None
- Availability
- Worldwide
What we like
Things to know
Account Details
- Lockup Period
- None
- Compounding
- Daily
- Fees
- None
- Availability
- Worldwide
What we like
- Simple, fee-free and rewarding app to manage crypto payments
- Pays interest rewards on most coins
- No lock ups
Things to know
Account Details
- Lockup Period
- 30-365 days
- Compounding
- None
- Fees
- None
- Availability
- Worldwide
What we like
- Full exchange services
Things to know
- Long lock-up minimums for ETH and USDT
Account Details
- Lockup Period
- Flexible
- Compounding
- None
- Fees
- None
- Availability
- Worldwide
What we like
- Flexible deposit terms
Things to know
- Rates lower than other exchanges
Account Details
- Lockup Period
- None
- Compounding
- Daily
- Fees
- Varies
- Availability
- Worldwide, excluding US
What we like
- Wide variety of coins
Things to know
- High rates are tied to promotions (we’ve removed these for now since access is limited)
Account Details
- Lockup Period
- 7-90 days
- Compounding
- None
- Fees
- None
- Availability
- Worldwide
What we like
Things to know
Crypto.com
Lending BTC, ETH, USD
USDT APY
0.50%
Lockup
None (flexible), 1 month, 3 months
Fees
Yes
Account Details
- Lockup Period
- None (flexible), 1 month, 3 months
- Compounding
- None
- Fees
- Yes
- Availability
- Worldwide, all US states except NY
What we like
Things to know
- Deposit minimums required to earn interest
- Does not compound
- Requires CRO to unlock best rates
Account Details
- Lockup Period
- 10-360 days
- Compounding
- None
- Fees
- None
- Availability
- Worldwide
What we like
- Great rates for most coins if you lockup for 360 days
- Full exchange services
- Wide variety of coins supported
Things to know
- Rates vary often
- Most coins require 10 day lockup minimum, some require 30 days
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How USDT Lending Works
1. Deposit USDT
Transfer your USDT to a lending platform.
2. Earn Interest
Borrowers pay interest to access your USDT. You earn APY.
3. Withdraw
Most platforms offer flexible terms. Withdraw your USDT plus earnings depending on terms.
Checklist: How to Choose a USDT Lending Platform
- Compare USDT Lending Rates Look for the highest APY on USDT lending. Rates vary between platforms and how yield is earned.
- Check Security & Audits Only use audited platforms with proven track records. Look for insurance coverage on your USDT deposits.
- Understand Lockup Terms Flexible lending allows instant withdrawals. Fixed-term lending locks your USDT for higher APY but less liquidity.
Frequently Asked Questions About USDT Lending
What is USDT lending?
USDT lending is the process of depositing your USDT into a platform or protocol that lends it to borrowers. In return, you earn interest (APY) on your deposited USDT. This is similar to earning interest in a traditional bank account, but typically with much higher rates.
What are the best USDT lending rates in 2026?
The best USDT lending rates in 2026 vary by platform and market conditions. Top platforms listed above offer competitive APY ranging from 3-12% depending on whether you choose flexible or fixed-term lending. DeFi protocols often offer higher rates but with more complexity, while CeFi platforms provide easier access with slightly lower returns.
Is USDT lending safe?
USDT lending carries risks, including smart contract vulnerabilities (DeFi), platform insolvency (CeFi), and market volatility. To minimize risk: only use audited platforms, diversify across multiple lenders, start with small amounts, and look for platforms with insurance coverage. Never lend more USDT than you can afford to lose.
How do I start lending USDT?
To start lending USDT: 1) Choose a lending platform from the comparison above, 2) Create an account and complete KYC (if required), 3) Transfer your USDT to the platform, 4) Select your lending terms (flexible or fixed), 5) Deposit your USDT and start earning interest automatically. Most platforms compound your earnings daily.
Disclaimer: USDT lending rates are variable and subject to change. APY is not guaranteed. Always do your own research (DYOR) and never lend more than you can afford to lose. Cryptocurrency lending carries significant risks.
