USDT on Aave BNB Chain

Live Tether USD (USDT) rates on the Aave V3 BNB Chain 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

3.42%

earned by suppliers

Borrow APY, variable

4.42%

paid by borrowers

Total supplied

$61.20M

61.29M USDT

Total borrowed

$52.90M

52.97M USDT

Utilization

86.4%

share of supply that is lent out

Available to borrow

$7.32M

oracle price $0.9986

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	61.29M of 90.00M USDT (68.1%)
Borrow cap used	52.97M of 60.30M USDT (87.9%)

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

Contracts

USDT token	0x55d3…7955
aToken (aBnbUSDT)	0xa925…f1B1
Variable debt token	0xF8bb…07cd
Price oracle	0xee84…36b6
Interest rate strategy	0x86AB…bDC5
Pool	0x6807…e0cB

Links open the BSC block explorer.

USDT utilization and interest rate curve

Utilization is 86.4% 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.

About USDT on Aave BNB Chain

Tether USD (USDT) is listed on the Aave V3 BNB Chain market on BSC. Lenders have supplied $61.20M (61.29M USDT) and borrowers owe $52.90M, so 86.4% of the pool is lent out and $7.32M is left to borrow. The supply cap is 68% used.

Suppliers earn 3.42% a year, and variable-rate borrowers pay 4.42%. 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 86.4% now, the pool is below that point. 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 12th highest supply rate. Its borrow rate is the 6th lowest of the 17 markets with at least $250K of USDT to lend. A week ago suppliers earned 3.22% and borrowers paid 4.29%, with 83.9% of the pool lent out. Over the past 30 days, the supply rate ranged from 2.93% to 3.41%, and the borrow rate from 4.04% to 4.41% (one reading a day).