Lista Lending · Ethereum

USDT

Overview

The Lista Lending USDT pool on Ethereum is a single-asset lending position where suppliers earn variable interest on stablecoin deposits. The protocol generates yield by routing borrowing demand against pooled USDT liquidity and distributing the resulting interest spread to lenders. Total APY of 5.60% consists of base lending at 1.70% plus an additional reward layer at 3.90%. Over the past week, the rate has trended down 1.45%, with no data available for the 30-day trend. The current rate is below the 30-day mean of 6.47%. TVL stands at $5.99M; a 7-day TVL change is not provided. Primary exposure is depeg risk on the underlying stablecoin, as this single-asset pool relies heavily on USDT’s stability. Utilisation rates for this lending pool are within typical ranges for its asset and protocol category.

Composed 2026-05-20 from the structured data above. See methodology for the full pipeline.

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 6.12%; 30-day mean is 6.08%. Yields can change as TVL and incentive emissions change.

• DefiLlama yield prediction

  DefiLlama's model classifies this pool's yield as "Stable/Up" with 69% confidence based on historical patterns.

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