USD₮0 on Aave X Layer

Live USD₮0 rates on the Aave V3 X Layer 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

2.92%

earned by suppliers

Borrow APY, variable

4.08%

paid by borrowers

Total supplied

$37.30M

37.34M USD₮0

Total borrowed

$29.83M

29.86M USD₮0

Utilization

80.0%

share of supply that is lent out

Available to borrow

$7.47M

oracle price $0.9988

USD₮0 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	37.34M of 100.00M USD₮0 (37.3%)
Borrow cap used	29.86M of 70.00M USD₮0 (42.7%)

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

Contracts

USD₮0 token	0x779D…3736
aToken (aXlrUSDT0)	0xF356…4297
Variable debt token	0x0483…c8ac
Price oracle	0x7ec7…57D3
Interest rate strategy	0x3eFf…c05B
Pool	0xE3F3…f116

Links open the X Layer block explorer.

USD₮0 utilization and interest rate curve

Utilization is 80.0% 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 24.50% when everything is lent out. How Aave interest rates work.

E-Mode categories that include USD₮0

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

Category (7)	Max LTV	Liquidation threshold	Penalty	As collateral	Borrowable
xBTC__Stablecoins	78.00%	81.00%	6.00%	No	Yes
xETH__Stablecoins	78.00%	80.00%	6.00%	No	Yes
xSOL__Stablecoins	65.00%	70.00%	7.50%	No	Yes
WOKB__Stablecoins	50.00%	55.00%	10.00%	No	Yes
PT_USDG__Stablecoins	92.66%	94.66%	2.34%	No	Yes
PT_USDG_25FEB2027__Stablecoins	92.37%	94.37%	2.59%	No	Yes
USDe__Stablecoins	91.00%	93.00%	2.00%	No	Yes

About USD₮0 on Aave X Layer

USD₮0 is listed on the Aave V3 X Layer market. Lenders have supplied $37.30M (37.34M USD₮0) and borrowers owe $29.83M, so 80.0% of the pool is lent out and $7.47M is left to borrow. The supply cap is 37% used.

Suppliers earn 2.92% a year, and variable-rate borrowers pay 4.08%. 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 24.50% when everything is lent out. At 80.0% now, the pool is below that point. Aave keeps 10% of the interest as its reserve factor.

USD₮0 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 15th highest supply rate. Its borrow rate is the 5th lowest of the 17 markets with at least $250K of USDT to lend. A week ago suppliers earned 3.00% and borrowers paid 4.14%, with 81.0% of the pool lent out. Over the past 30 days, the supply rate ranged from 2.03% to 3.19%, and the borrow rate from 3.40% to 4.27% (one reading a day).