USDT0 on Aave Monad

Live USDT0 rates on the Aave V3 Monad 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

4.16%

earned by suppliers

Borrow APY, variable

5.09%

paid by borrowers

Total supplied

$68.59M

68.68M USDT0

Total borrowed

$62.63M

62.72M USDT0

Utilization

91.3%

share of supply that is lent out

Available to borrow

$5.95M

oracle price $0.9986

USDT0 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	68.68M of 125.00M USDT0 (54.9%)
Borrow cap used	62.72M of 70.00M USDT0 (89.6%)

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

Contracts

USDT0 token	0xe7cd…C82D
aToken (aMonUSDT0)	0x9531…468c
Variable debt token	0x8581…a35D
Price oracle	0x3c18…2730
Interest rate strategy	0x1f6F…8211
Pool	0x69a5…2fef

Links open the Monad block explorer.

USDT0 utilization and interest rate curve

Utilization is 91.3% right now. The chart shows how the rate responds as more of the supply gets borrowed.

Borrow APR Supply APR

Up to 92% utilization the borrow rate climbs gently from 0.00% to 5.00%. Past that point it climbs steeply, reaching 25.00% when everything is lent out. How Aave interest rates work.

E-Mode categories that include USDT0

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

Category (4)	Max LTV	Liquidation threshold	Penalty	As collateral	Borrowable
syrupUSDC__Stablecoins	90.00%	92.00%	4.00%	No	Yes
USDe_sUSDe__Stablecoins	90.00%	92.00%	4.00%	No	Yes
PT_Agora__Stablecoins	93.00%	95.00%	2.44%	No	Yes
PT_AUSD_17DEC2026__Stablecoins	93.00%	95.00%	2.34%	No	Yes

About USDT0 on Aave Monad

USDT0 is listed on the Aave V3 Monad market. Lenders have supplied $68.59M (68.68M USDT0) and borrowers owe $62.63M, so 91.3% of the pool is lent out and $5.95M is left to borrow. The supply cap is 55% used.

Suppliers earn 4.16% a year, and variable-rate borrowers pay 5.09%. The rate follows utilization: up to 92% the borrow rate rises gently from 0.00% to 5.00%, and above that it climbs steeply to 25.00% when everything is lent out. At 91.3% now, the pool is below that point. Aave keeps 10% of the interest as its reserve factor.

USDT0 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 3rd highest supply rate. Its borrow rate is the 16th lowest of the 17 markets with at least $250K of USDT to lend. A week ago suppliers earned 2.67% and borrowers paid 4.07%, with 73.5% of the pool lent out. Over the past 30 days, the supply rate ranged from 2.67% to 25.23%, and the borrow rate from 4.07% to 28.40% (one reading a day).