Fluid Lending · Ethereum

USDT

Overview

Fluid Lending's USDT pool on Ethereum is a single-asset lending protocol deposit where USDT serves as the underlying collateral asset. The pool currently generates a total APY of 3.91 percent, composed of a base yield of 2.45 percent and reward incentives of 1.46 percent. Over the past 30 days, APY has declined 0.8 percent from a 30-day mean of 6.07 percent, while the 7-day change shows a 0.64 percent decrease, indicating a downward yield trajectory. The pool holds total value locked of $132.22 million, with trend data for this TVL figure unavailable. As a stablecoin pool, the primary risk exposure is depeg risk associated with USDT's peg to the US dollar, though the protocol itself carries inherent smart-contract risk typical of lending platforms.

Generated 2026-05-18 from the structured pool data on this page. No external claims, no hand-edited text. See methodology.

Risk profile

• Smart contract risk

  Funds are deposited into a smart contract. A bug or exploit in the contract could lead to total loss. Audits reduce, but do not eliminate, this risk. Check the protocol page for audit history.

• Depeg risk

  The pool is built on stablecoins. A depeg of any underlying asset would impact returns and principal.

• Yield variability

  Current APY is 3.91%; 30-day mean is 6.07%. Yields can change as TVL and incentive emissions change.

• DefiLlama yield prediction

  DefiLlama's model classifies this pool's yield as "Stable/Up" with 82% confidence based on historical patterns.

These notes are derived from the pool's structured data, not editorial advice. See our methodology.