USDT0 on Aave Polygon

Live USDT0 (USDT0) rates on the Aave V3 Polygon 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

3.09%

earned by suppliers

Borrow APY, variable

6.58%

paid by borrowers

Total supplied

$31.83M

31.84M USDT0

Total borrowed

$20.29M

20.29M USDT0

Utilization

63.8%

share of supply that is lent out

Available to borrow

$11.54M

oracle price $0.9998

USDT0 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)	70.00%
Liquidation threshold	78.00%
Liquidation penalty	5.00%
Reserve factor	25.00%
Flash loans	Enabled
Supply cap used	31.84M of 45.00M USDT0 (70.7%)
Borrow cap used	20.29M of 40.50M USDT0 (50.1%)

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

Contracts

USDT0 token	0xc213…8e8F
aToken (aPolUSDT)	0x6ab7…0620
Variable debt token	0xfb00…2df7
Price oracle	0x01Ab…8D83
Interest rate strategy	0x5607…8B1A
Pool	0x794a…14aD

Links open the Polygon block explorer.

USDT0 utilization and interest rate curve

Utilization is 63.8% 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 9.00%. Past that point it climbs steeply, reaching 19.00% 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 (2)	Max LTV	Liquidation threshold	Penalty	As collateral	Borrowable
Stablecoins	91.25%	94.25%	1.00%	Yes	No
AAVE__USDCn_USDT	63.00%	70.00%	7.50%	No	Yes

USDT0 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%
AvalancheUSDt · $27.19M	$27.19M27.20M USDt	3.59%	$24.25M24.25M USDt	4.49%	89.8%