Aave USDT borrow rate
The live variable borrow rate for USDT on Aave V3 Ethereum, plus the exact average borrowers really paid, day by day.
Current borrow rate
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Rates on Aave can jump for a few minutes at a time. Short spikes like this are already counted in the averages below.
- Asset
- USDT
- Market
- Aave V3 · Ethereum Core
- Last saved reading
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- Next saved reading
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Average rate
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Lowest day
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Highest day
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Daily average rate
Each point is one day's average
Average for this period Today so far
| Day | Average rate |
|---|
How this is measured
Every hour this site saves a reading straight from Aave's smart contract on Ethereum, the same source the Aave app uses. Daily averages come from Aave's running interest index, so they show exactly what accrued, including short spikes between readings. History before tracking began was loaded the same way from the blockchain's archive. Days follow UTC. Rates are shown as APY, the way Aave shows them.
Read more: why the average rate differs from the current rate. Planning a loan? Try the borrow cost calculator, or download the daily history (CSV).
Aave USDT borrow rate: quick answers
What is the average USDT borrow rate on Aave?
4.92% over the last 30 days and 6.22% since 2023-02-14, on the Aave V3 Ethereum Core market. These are exact averages of what accrued, short spikes included.
What was the highest daily USDT borrow rate on Aave in the past year?
15.02% on 2026-04-20, as a full-day average. The lowest day was 2.77% on 2026-03-08.
Why is the average different from the live rate?
The live rate is a snapshot. The variable rate moves with every loan and repayment, and can spike for minutes when the pool is nearly empty. The daily average counts all of that, so it is what borrowers really paid.
Can I download the history?
Yes. The CSV download link on this page gives one row per day with the exact average rate.