USDT Aave
About USDT Aave
USDT Aave is an autocompounder on Polygon with USDT as its underlying token, in which the yield is distributed. It earns yield from its underlying lending venue and automatically converts any claimed rewards into more USDT, removing the manual claim and conversion steps a user would otherwise need to perform on their own.
Rewards earned by the strategy (AAVE) are periodically converted into USDT and added back to the vault. Autocompounding events run when economically feasible, anywhere from hourly to several days apart, with gas costs socialised across all holders rather than borne by each user individually.
Live since February 2024. Currently indexed at $1K TVL across 13 holders, with a 2.63% 24-hour APY and 2.63% across the trailing 30 days.
Performance Overview
Historical indexer data. Past onchain performance is not a predictive forecast.
Market benchmarking
USDT Felix Frontier
HyperEVM5.59%$1#2USDT FelixHyperEVM5.31%$1#3USDT GauntletHyperEVM5.17%$4#7USDT Dolomite
Arbitrum2.95%$7USDT AaveYou are here
Polygon2.63%$1KUSDT Compound V3Arbitrum1.95%$13#10USDT HypurrHyperEVM1.33%$3#11USDT CompoundPolygon0.76%$6Among the 11 USDT strategies we currently monitor, this product ranks #8. Its 2.63% yield runs 20.1% lower than the cohort average of 3.29%. On a $1,000 position, that's ~$0.55 per month lower than the cohort average. 7 strategies in the cohort are currently delivering higher APY; 3 are delivering lower. It currently holds $1K in TVL, ranking #2 of 11 by TVL.
Ecosystem context
On Polygon, this product's yield runs 55.2% higher than the network average across the USDT strategies we monitor. By APY it ranks #1 of 2 in that set. Yields on Polygon for USDT have averaged 1.69% in our index.
USDT on Polygon#1 of 2See all 2 USDT strategies on PolygonCurrently the top-yielding USDT opportunity on Polygon across the 2 products we monitor.
Yield trajectory
Historical indexer data. Past onchain performance is not a predictive forecast.
Strategy stability
Based on APY volatility over the last 30 days. Higher scores indicate steadier yields.
Insufficient APY history to score stability for this strategy yet. At least 5 daily observations in the last 30 days are required.
This strategy currently holds $1K, below our $50K liquidity mark. Thin liquidity can mean higher slippage on entry and exit, and the headline yield can be skewed by a small number of holders.
Long-term performance
- Share price has compounded at an annualized rate of 6.41% over 438 days, growing from 1.0000 to 1.0774. This represents a gain of ~0.077 USDT per 1 USDT supplied at launch.
- TVL experienced a 96% drawdown from its $35K peak, bottoming at $1K over 438 days. It currently stands at $1K, 4% of the peak value.
- Best performing month was December 2024 at 10.12% average APY; weakest was April 2025 at 3.58%. The spread between best and worst months represents ~$5.45 per $1,000 per month.
Historical statistics
Over the past 438 days, this vault's APY has moved from an early average of 8.19% to a recent average of 3.87%, a 52.7% decrease. At the start of the window, $1,000 would have earned ~$6.82/mo at then-current rates; at recent rates, ~$3.23/mo.
Total value locked currently sits at $1K, which is 4% of its all-time peak of $35K reached on January 2025.
APY
| Lifetime avg (438d) | 6.58% |
|---|
TVL
| 30D Low | $1K |
|---|---|
| 30D High | $2K |
| 30D Average | $1K |
| Lifetime avg (438d) | $14K |
| Median TVL | $1K |
| Best day | $2K · Apr 27 |
| Worst day | $1K · May 26 |
| Current TVL | $1K |
| Largest daily change | $930 |
Historical Data
Last data point: May 26, 2026 (15d ago). Some on-chain data feeds update at different intervals.
| Date | APY |
|---|---|
| May 11, 2025 | 3.80% |
| May 10, 2025 | 3.75% |
| May 9, 2025 | 3.91% |
| May 8, 2025 | 3.91% |
| May 7, 2025 | 3.72% |
| May 6, 2025 | 3.74% |
| May 5, 2025 | 3.67% |
Strategy details
Frequently Asked Questions
What's the current APY for USDT Aave?
USDT Aave is showing a 24-hour APY of 2.63%, with a 30-day average of 2.63%. Rates are variable and move with market conditions, liquidity, and the underlying protocol's incentives. The figures reflect the realised yield over the trailing window; they are not a forward guarantee.
How does the autocompounding work?
The strategy holds positions in its underlying lending venue and periodically claims any rewards that accrue. Those rewards (AAVE) are then converted into more USDT and added back to the vault, increasing the value of each holder's share. The process repeats automatically; holders are not required to claim, swap, or add anything back themselves. Autocompounding events run when economically feasible, anywhere from hourly to several days apart, with gas costs socialised across all holders.
Can I withdraw at any time?
There are no withdrawal periods or lockups. If the underlying strategy holds enough liquidity to satisfy the request, exits are instant. During periods of liquidity stress in the underlying venue, withdrawal capacity can be limited until liquidity returns. See the risk page for details on how this works.
Where does the yield come from?
Yield is sourced from its underlying lending venue. The income stream is a combination of interest paid by the underlying market and reward emissions in AAVE, which the strategy claims and converts back into USDT on a recurring basis. The rate moves with the underlying venue's utilisation and incentive schedule.
How stable has the APY been?
Over the last 30 days, this vault's APY has ranged from 3.07% to 4.40%, averaging 3.62%, with measured volatility of ±0.37%. The Strategy stability section above shows where this falls on the scale from very volatile to very consistent.
How much is currently in the vault?
The vault currently holds $1K in TVL across 13 holders. The Historical statistics section above shows how this compares to the vault's 30-day range and lifetime peak.
What are the risks?
Like any onchain yield strategy, this vault is exposed to smart contract risk in both the Harvest contracts and its underlying lending venue, market risk in the underlying venue it routes to, and protocol-specific risks of the assets it interacts with. Harvest's core vault infrastructure was audited by Halborn in January 2025. Audits reduce but do not eliminate risk.
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Links
Latest data point: May 26, 2026 (15 days ago)
Harvest is an independent onchain yield index. Performance data reflects historical onchain activity and is not a forecast. See the methodology, risk framework, terms, and disclosures for details on how data is calculated and the risks associated with onchain yield strategies.