Lend
Flux Finance · Mainnet
Frequently Asked Questions
What is the current APY for Lend?
The current spot APY for Lend on Flux Finance (Mainnet) is 4.58%. The 30-day average APY is 4.59%. All figures exclude external token rewards and are calculated from on-chain exchange rates only.
How much total value is locked in Lend?
The total value locked (TVL) in Lend is $1.7M. TVL measures the total USDT assets currently deposited in this vault.
Does the Lend yield include token rewards?
No. Earnbase tracks on-chain APY only, derived from the vault's exchange rate changes over time. External incentives, token rewards, points programs, and liquidity mining bonuses are not included in the reported APY.
Which network is Lend deployed on?
Lend is deployed on Mainnet. Network choice affects transaction costs, settlement speed, and which protocols are available. On-chain APY figures on Earnbase are calculated from exchange rate data on Mainnet directly.
Compare with Other USDT Strategies
| Strategy | Platform | Network | APY | TVL |
|---|---|---|---|---|
| DeltaUSD | Lagoon | Mainnet | 9.84% | $1.1M |
| Wintermute Trading (Private Credit) | Wildcat | Mainnet | 9.25% | $138.5K |
| K3 Leveraged syrupUSDT Strategy | IPOR Fusion | Mainnet | 6.52% | $59.7K |
| DAMM Stablecoin Fund | Lagoon | Arbitrum | 5.19% | $1.7M |
| Lending Optimizer | IPOR Fusion | Mainnet | 4.46% | $304.4K |
| Derivatives Pool | IPOR Fusion | Mainnet | 4.07% | $130.7K |
| USDT Lite | Morpho | Mainnet | 3.25% | $26.4K |
| USDT Prime V2 | Morpho | Ethereum | 2.97% | $502.7K |
| Smokehouse USDT | Morpho | Mainnet | 2.91% | $26.4M |
| V3 | Compound | Mainnet | 2.75% | $47.1M |
Lend
Opens external site. Rates may differ due to refresh timing.
Opens external site. Rates may differ due to refresh timing.
Yield Overview
Lend is a USDT yield strategy on Flux Finance (Mainnet). It currently generates 4.58% APY (24h) with a 30-day average of 4.59%. The vault holds $1.7M in total value locked. APY is derived from the vault's on-chain exchange rate and does not include external incentives.
Flux Finance · Mainnet
Market Benchmarking
Within the USDT ecosystem, this product ranks #5 out of 25 strategies. Its 4.58% yield is 50.4% higher than the market average of 3.05%. While not the highest available, this strategy outperforms the majority of tracked USDT opportunities.
How Lend Compares
Ecosystem Context
Positioned within the Mainnet ecosystem, this product's yield is 53.2% higher than the network average for USDT strategies. By TVL, this product ranks #9 of 22 USDT strategies on Mainnet.
About Flux Finance
Flux Finance is a DeFi protocol offering yield strategies tracked by Earnbase. Earnbase tracks 1 strategy on Flux Finance.
USDT on Mainnet#4 of 22
Yield Sustainability
The 24h APY of 4.58% is nearly identical to the 30-day mean, with only a 0.1% variance. This level of consistency is uncommon in DeFi and reflects a mature, well-calibrated yield source with predictable returns.
Yield Trajectory
Lend has been on a 5-day flat streak, with APY rising from 4.58% to 4.58% over this period. Over the past 30 days, the product delivered positive yields on 30 out of 30 days. Week-over-week, yields have increased by 0.1%. The strongest 7-day period was Apr 21–Apr 27 averaging 4.65%, while the weakest was Apr 28–May 04 at 4.57%. Current 24h APY of 4.58% is 0.2% below the product's own 30-day average.
Weekly yields have improved for 2 consecutive weeks, with the most recent 7-day average of 4.58% representing a sustained weekly performance in the tracked period.
Weekly Breakdown
Historical APY Statistics
Over the past 164 days, Lend's yield has shown a stable trend, with yields expanding from 4.60% to 4.60%, a 0.0% increase. The sustainability score of 100/100 aligns with a period of relative yield stability.
Historical TVL Statistics
Over the past 164 days, Lend's total value locked has experienced a period of stability, with TVL remaining relatively steady around $1.7M.
History
FAQ
Yield & Performance
Lend on Flux Finance offers a 24-hour APY of 4.58%, a 30-day average of 4.59% on USDT. Yields are variable and update daily based on protocol activity.
Lend ranks #5 out of 25 monitored USDT strategies. Its current yield of 4.58% is 50.4% above the market average of 3.05%.
Earnbase rates the yield sustainability of Lend at 100/100, classified as "Very Stable". The 24h APY of 4.58% is nearly identical to the 30-day mean, with only a 0.1% variance. This level of consistency is uncommon in DeFi and reflects a mature, well-calibrated yield source with predictable returns.
Over the past 164 days, Lend has shown a stable yield trajectory. The average APY moved from 4.60% to 4.60%.
Lend has a yield volatility rating of "Low" (standard deviation: 0.04pp over 164 days). The APY has ranged from 4.54% to 4.67% in the tracked period, with an average of 4.60%.
Liquidity & TVL
Lend currently has a total value locked (TVL) of $1.7M in USDT deposits.
Lend holds $1.7M in USDT deposits. Across all 25 tracked USDT strategies, deposits range widely depending on the protocol and curator reputation. This vault's TVL of $1.7M places it within the broader spectrum of USDT opportunities tracked on Earnbase.
By total value locked, Lend ranks #9 of 22 USDT strategies on Mainnet. It currently holds $1.7M.
Lend's TVL is currently relatively stable. Over the past 164 days, TVL moved from $1.6M to $1.7M, a +1.6% change. The 30-day high was $1.8M and the 30-day low was $1.6M.
Yields are declining as more capital enters the vault, a common dynamic where increased deposits dilute per-depositor returns. In general, rising TVL in a lending vault can compress yields as more capital competes for the same borrow demand.
Over the past 30 days, Lend had 12 days of inflows and 16 days of outflows. The largest single-day inflow was +$133.1K (Apr 27, 2026) and the largest outflow was -$17.5K (May 08, 2026). Net 30-day TVL change: +8.2%.
Strategy & Access
Lend operates on the Mainnet network and is managed by Flux Finance. It accepts USDT deposits.
To deposit into Lend, you need USDT tokens on the Mainnet network. Visit the Flux Finance platform directly to connect your wallet and make a deposit.
Lend ranks among 22 monitored USDT strategies on Mainnet. Its yield of 4.58% is 53.2% above the Mainnet average of 2.99%.
Lend is deployed on Flux Finance's vault infrastructure. Fee structures are set at the protocol and curator level. Consult the vault directly for current performance and management fee rates.
Flux Finance is the DeFi protocol infrastructure that Lend operates on. It provides the smart contract layer for deposits, withdrawals, and strategy execution on the Mainnet network.
For illustrative purposes only. Based on the current 4.58% on-chain APY for USDT. Does not include external incentives. Past performance does not guarantee future results. Actual returns may vary.
This page provides informational data aggregated from on-chain sources and is not financial advice. Always verify data directly with Flux Finance before depositing.
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