USDt on Aave Avalanche

Live TetherToken (USDt) rates on the Aave V3 Avalanche market: what suppliers earn, what borrowers pay, how much is available, and the settings that decide both.

Data from Aave's API · updated 2026-11-08 04:27 UTC

Supply APY

4.46%

earned by suppliers

Borrow APY, variable

5.52%

paid by borrowers

Total supplied

$25.18M

25.21M USDt

Total borrowed

$22.70M

22.72M USDt

Utilization

90.9%

share of supply that is lent out

Available to borrow

$76.6K

oracle price $0.9988

USDt supply and borrow APY history

Averages published by Aave's API

Risk settings

Can be used as collateral	No
Max loan-to-value (LTV)	–
Liquidation threshold	–
Liquidation penalty	–
Reserve factor	10.00%
Flash loans	Enabled
Supply cap used	25.21M of 100.00M USDt (25.2%)
Borrow cap used	22.72M of 22.80M USDt (99.7%)

New to these terms? Read health factor explained and supply and borrow caps.

Contracts

USDt token	0x9702…A8c7
aToken (aAvaUSDT)	0x6ab7…0620
Variable debt token	0xfb00…2df7
Price oracle	0x5b78…8009
Interest rate strategy	0xCe1C…93da
Pool	0x794a…14aD

Links open the Avalanche block explorer.

USDt utilization and interest rate curve

Utilization is 90.9% right now. The chart shows how the rate responds as more of the supply gets borrowed.

Borrow APR Supply APR

Up to 90% utilization the borrow rate climbs gently from 0.00% to 4.50%. Past that point it climbs steeply, reaching 14.50% when everything is lent out. How Aave interest rates work.

E-Mode categories that include USDt

Efficiency mode raises borrowing power between closely related assets. E-Mode explained.

Category (4)	Max LTV	Liquidation threshold	Penalty	As collateral	Borrowable
Stablecoins	93.00%	95.00%	1.00%	Yes	No
USDe/Stablecoin	89.00%	92.00%	2.00%	No	Yes
sUSDe/Stablecoin	89.00%	91.00%	4.00%	No	Yes
EURC__USDC_USDT	75.00%	78.00%	5.00%	No	Yes

About USDt on Aave Avalanche

TetherToken (USDt) is listed on the Aave V3 Avalanche market. Lenders have supplied $25.18M (25.21M USDt) and borrowers owe $22.70M, so 90.9% of the pool is lent out and $76.6K is left to borrow. The supply cap is 25% used.

Suppliers earn 4.46% a year, and variable-rate borrowers pay 5.52%. The rate follows utilization: up to 90% the borrow rate rises gently from 0.00% to 4.50%, and above that it climbs steeply to 14.50% when everything is lent out. At 90.9% now, the pool is above that point, so the rate can jump quickly if more is borrowed. Aave keeps 10% of the interest as its reserve factor.

USDt cannot be used as collateral on this market. The best USDT supply rate elsewhere on Aave is 4.68% on the Ethereum Bluechip spoke (V4). The cheapest place to borrow it is Celo at 1.84%. Compare USDT rates on every Aave market.

Among the 17 Aave markets with at least $1M of USDT supplied, this one pays the 2nd highest supply rate. A week ago suppliers earned 5.65% and borrowers paid 6.91%, with 92.2% of the pool lent out. Over the past 30 days, the supply rate ranged from 2.79% to 6.09%, and the borrow rate from 3.96% to 7.41% (one reading a day).