USDT on Aave zkSync Era

❄ Frozen

Live Tether USD (USDT) rates on the Aave V3 zkSync Era 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

0.09%

earned by suppliers

Borrow APY, variable

10.36%

paid by borrowers

Total supplied

$22.3K

22.32K USDT

Total borrowed

$19.3K

19.36K USDT

Utilization

87.4%

share of supply that is lent out

Available to borrow

frozen

USDT 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	99.00%
Flash loans	Enabled
Isolation mode debt ceiling	$0 of $0
Supply cap used	Full: 22.32K USDT against a cap of 1.00, so no new deposits
Borrow cap used	Full: 19.36K USDT against a cap of 1.00, so no new loans

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

Contracts

USDT token	0x4932…bA4C
aToken (aZksUSDT)	0xC485…e4E7
Variable debt token	0x8992…bA34
Price oracle	0xE8D6…A8E9
Interest rate strategy	0x5781…D237
Pool	0x78e3…c43c

Links open the zkSync block explorer.

USDT utilization and interest rate curve

Utilization is 87.4% 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 5.00% to 10.00%. Past that point it climbs steeply, reaching 50.00% when everything is lent out. How Aave interest rates work.

About USDT on Aave zkSync Era

Tether USD (USDT) is listed on the Aave V3 zkSync Era market on zkSync. Lenders have supplied $22.3K (22.32K USDT) and borrowers owe $19.3K, so 87.4% of the pool is lent out. USDT is frozen here: no new deposits or loans, only repayments and withdrawals. The supply cap is full, so no new deposits are accepted.

Suppliers earn 0.09% a year, and variable-rate borrowers pay 10.36%. The rate follows utilization: up to 90% the borrow rate rises gently from 5.00% to 10.00%, and above that it climbs steeply to 50.00% when everything is lent out. At 87.4% now, the pool is below that point. Aave keeps 99% of the interest as its reserve factor.

USDT 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.

A week ago suppliers earned 0.09% and borrowers paid 10.36%, with 87.4% of the pool lent out. Over the past 30 days, the supply rate held at 0.09%, and the borrow rate ranged from 10.15% to 10.36% (one reading a day).