DAI vs USDT

USDT's top-ranked yield is higher right now (5.71% vs 4.30%), while DAI brings deeper liquidity. Yields below are live across every platform we track.

Updated 28 Sep 2026, 00:00 UTC

DAI

$7.3B TVL stablecoin

4.30%A

top-ranked across 19 platforms

All platforms

USDT

$2.4B TVL stablecoin

5.71%B

top-ranked across 51 platforms · incl. 1.57% rewards

All platforms

Side by side

Top-ranked APY

The first rate after weighing risk, not the highest listed

4.30%

5.71%best

Total value locked

Deeper liquidity is a safety and durability signal

$7.3Bbest

$2.4B

Live platforms

How many places pay yield on it right now

51best

Live opportunities

Which should you earn on?

Earn on DAI

Deeper liquidity ($7.3B TVL vs $2.4B): a safer, more durable market.

Earn on USDT

Higher top-ranked yield: 5.71% (grade B).
More places to earn (51 platforms vs 19).

Or skip the guesswork: pick your asset and risk tier and BitcoinYield ranks the highest live yield that actually fits, across both of these and everything else.

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