USDT on Aave Optimism

Live Tether USD (USDT) rates on the Aave V3 Optimism market: what suppliers earn, what borrowers pay, how much is available, and the settings that decide both.

Data from Aave's API · updated 2026-09-21 08:51 UTC

Supply APY

3.04%

earned by suppliers

Borrow APY, variable

4.11%

paid by borrowers

Total supplied

$4.15M

4.15M USDT

Total borrowed

$3.42M

3.42M USDT

Utilization

82.5%

share of supply that is lent out

Available to borrow

$728K

oracle price $0.9997

USDT supply and borrow APY history

Daily averages published by Aave's API

Risk settings

Can be used as collateral	Yes
Max loan-to-value (LTV)	75.00%
Liquidation threshold	78.00%
Liquidation penalty	5.00%
Reserve factor	10.00%
Flash loans	Enabled
Supply cap used	4.15M of 10.00M USDT (41.5%)
Borrow cap used	3.42M of 9.06M USDT (37.8%)

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

Contracts

USDT token	0x94b0…8e58
aToken (aOptUSDT)	0x6ab7…0620
Variable debt token	0xfb00…2df7
Price oracle	0xDb4E…7D9c
Interest rate strategy	0x9359…bed1
Pool	0x794a…14aD

Links open the Optimism block explorer.

USDT utilization and interest rate curve

Utilization is 82.5% 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 4.40%. Past that point it climbs steeply, reaching 14.40% 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 (1)	Max LTV	Liquidation threshold	Penalty	As collateral	Borrowable
Stablecoins	0.01%	87.00%	1.00%	Yes	No

USDT on other Aave markets

The same asset, different rates

Compare all →

Market	Total supplied	Supply APY	Total borrowed	Borrow APY	Utilization
Ethereum CoreUSDT · $2.90B	$2.90B2.90B USDT	4.05%	$2.71B2.71B USDT	4.85%	93.2%
PlasmaUSDT0 · $760.9M	$760.9M761.11M USDT0	4.29%	$716.5M716.77M USDT0	4.80%	94.2%
MantleUSDT0 · $156.9M	$156.9M156.91M USDT0	3.09%	$136.8M136.87M USDT0	3.95%	87.2%
MonadUSDT0 · $76.42M	$76.42M76.44M USDT0	11.01%	$72.52M72.53M USDT0	13.01%	94.9%
X LayerUSD₮0 · $72.03M	$72.03M72.06M USD₮0	3.00%	$58.40M58.42M USD₮0	4.14%	81.1%
BNB ChainUSDT · $61.77M	$61.77M61.78M USDT	2.76%	$48.59M48.60M USDT	3.92%	78.7%
ArbitrumUSD₮0 · $45.93M	$45.93M45.95M USD₮0	3.31%	$39.50M39.51M USD₮0	4.30%	86.0%
PolygonUSDT0 · $31.83M	$31.83M31.84M USDT0	3.09%	$20.29M20.29M USDT0	6.58%	63.8%