USDT (Aave V3)

Current APY

Current APY

2.4432%

Base APY

2.4432%

Reward APY

Not reported

Yield composition unavailable.

Liquidity

TVL

$950,668

7D change

+0.9%

30D change

+0.9%

TVL reflects observed liquidity, not safety.

Where the yield comes from

The reported yield primarily comes from borrower interest paid into this lending market.

What can reduce the rate

Yield may fall if borrowing demand decreases or token incentives are reduced.

Observed risk

Moderate observed risk · High evidence confidence

Yield.ly's risk assessment summarizes observable factors and data coverage. It is not an audit, credit rating, guarantee, or recommendation. Smart contracts, assets, protocols, custodians, and market conditions can fail in ways the model does not detect.

Risk methodology

Risk dimensions

• ProtocolModerate concern+
• GovernanceModerate concern+
• Oracle dependencyModerate concern+
• AssetModerate concern+
• LiquidityHigher concern+
• Rate durabilityModerate concern+
• ExposureModerate concern+
• Custody and counterpartyUnknown+
• Terms and redemptionUnknown+
• InterconnectionModerate concern+
• Data qualityModerate concern+

Principal risks

• An emergency pause authority exists with broad scope.
• Oracle appears to rely on a single manipulable source.
• Pool liquidity appears thin relative to comparable products.

Exposure

Exposure type

Multi-asset position

Assets

USDT + USDT

User deposits USDT. User deposits USDT. Funds enter Aave V3 on optimism. Aave V3 depends on Chainlink oracle. Contracts are upgradeable or governance-controlled. USDT introduces Tether Limited custodian exposure. USDT introduces Tether Limited custodian exposure. Exit via withdrawal from lending market.

Exit conditions

Flexible withdrawal is typical for lending markets unless a lockup is reported.

Some product terms are currently unavailable.

Qualification notes

Meets Yield.ly's current requirements for default discovery where qualified. Learn how qualification works

• Lower liquidity

  This pool has lower liquidity than Yield.ly default discovery threshold.

• Incentive-heavy yield

  A large share of this rate comes from token incentives, which can change quickly and may depend on the reward token market value.

Data sources

Source observed

Aug 26, 2026, 6:02 AM UTC

Yield.ly refresh

Aug 26, 2026, 6:03 AM UTC

Snapshot generated

Aug 26, 2026, 6:17 AM UTC

• DefiLlama · total APY, base APY, TVL
• CoinGecko · token icon

How data works · Source registry · Report a data issue

Report a data issue

Share snapshot