USDT0 on Aave Polygon

Live 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 2026-11-08 04:27 UTC

Supply APY

3.67%

earned by suppliers

Borrow APY, variable

7.18%

paid by borrowers

Total supplied

$31.46M

31.51M USDT0

Total borrowed

$21.80M

21.83M USDT0

Utilization

69.3%

share of supply that is lent out

Available to borrow

$8.16M

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	25.00%
Flash loans	Enabled
Supply cap used	31.51M of 45.00M USDT0 (70.0%)
Borrow cap used	21.83M of 30.00M USDT0 (72.8%)

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 69.3% 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

About USDT0 on Aave Polygon

USDT0 is listed on the Aave V3 Polygon market. Lenders have supplied $31.46M (31.51M USDT0) and borrowers owe $21.80M, so 69.3% of the pool is lent out and $8.16M is left to borrow. The supply cap is 70% used.

Suppliers earn 3.67% a year, and variable-rate borrowers pay 7.18%. The rate follows utilization: up to 90% the borrow rate rises gently from 0.00% to 9.00%, and above that it climbs steeply to 19.00% when everything is lent out. At 69.3% now, the pool is below that point. Aave keeps 25% 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 9th highest supply rate. Its borrow rate is the 17th lowest of the 17 markets with at least $250K of USDT to lend. A week ago suppliers earned 3.75% and borrowers paid 7.26%, with 70.1% of the pool lent out. Over the past 30 days, the supply rate ranged from 3.32% to 3.75%, and the borrow rate from 6.82% to 7.26% (one reading a day).