Lending Optimizer
IPOR Fusion · Mainnet
Frequently Asked Questions
What is the current APY for Lending Optimizer?
The current spot APY for Lending Optimizer on IPOR Fusion (Mainnet) is 5.24%. The 30-day average APY is 5.23%. All figures exclude external token rewards and are calculated from on-chain exchange rates only.
How much total value is locked in Lending Optimizer?
The total value locked (TVL) in Lending Optimizer is $74.9K. TVL measures the total USDT assets currently deposited in this vault.
Does the Lending Optimizer 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 Lending Optimizer deployed on?
Lending Optimizer 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 | 11.01% | $1.1M |
| Wintermute Trading (Private Credit) | Wildcat | Mainnet | 8.75% | $176.8K |
| Smokehouse USDT | Morpho | Mainnet | 5.37% | $22.0M |
| USDT Prime V2 | Morpho | Ethereum | 4.80% | $1.5M |
| Lend | Fluid | Mainnet | 4.57% | $129.8M |
| USDT | Morpho | Mainnet | 4.48% | $87.4M |
| USDT Prime | Morpho | Mainnet | 4.45% | $3.2M |
| Lend | Flux Finance | Mainnet | 4.44% | $1.9M |
| DAMM Stablecoin Fund | Lagoon | Arbitrum | 3.96% | $1.6M |
| Hakutora USDT | Morpho | Mainnet | 3.95% | $5.9M |
More IPOR Fusion Strategies
Lending Optimizer
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Yield Overview
Lending Optimizer is a USDT yield strategy on IPOR Fusion (Mainnet). It currently generates 5.24% APY (24h) with a 30-day average of 5.23%. The vault holds $74.9K in total value locked. APY is derived from the vault's on-chain exchange rate and does not include external incentives.
IPOR Fusion · Mainnet
Market Benchmarking
Within the USDT ecosystem, this product ranks #4 out of 25 strategies. Its 5.24% yield is 47.1% higher than the market average of 3.56%. While not the highest available, this strategy outperforms the majority of tracked USDT opportunities.
How Lending Optimizer Compares
Lending Optimizer currently ranks #4 among 25 monitored USDT strategies. However, with a TVL of $74.9K, it holds significantly less capital than higher-TVL alternatives like Lend ($129.8M).
Ecosystem Context
Positioned within the Mainnet ecosystem, this product's yield is 48.2% higher than the network average for USDT strategies. Within IPOR Fusion, it competes against 2 other USDT strategies. By TVL, this product ranks #15 of 22 USDT strategies on Mainnet.
About IPOR Fusion
IPOR Fusion is a yield optimization protocol that enables complex strategies including leveraged looping. Earnbase tracks 3 strategies on IPOR Fusion.
USDT on Mainnet#4 of 22
Yield Sustainability
The 24h APY of 5.24% 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
Lending Optimizer recorded a 24h APY of 5.24% in the most recent data point. Over the past 30 days, the product delivered positive yields on 30 out of 30 days. Week-over-week, yields have increased by 27.7%. The strongest 7-day period was Sep 03–Sep 09 averaging 5.05%, while the weakest was Aug 27–Sep 02 at 2.89%. Current 24h APY of 5.24% is 34.6% above the product's own 30-day average.
Weekly yields have improved for 1 consecutive week, with the most recent 7-day average of 4.36% representing a mid-range weekly performance in the tracked period.
Weekly Breakdown
Historical APY Statistics
Over the past 228 days, Lending Optimizer's yield has shown a downward trend, with yields compressing from 4.70% to 4.41%, a 6.2% decline. The sustainability score of 100/100 aligns with a period of relative yield stability.
Historical TVL Statistics
Over the past 228 days, Lending Optimizer's total value locked has experienced a contraction, declining from $375.7K to $207.4K, a 44.8% reduction.
History
FAQ
Yield & Performance
Lending Optimizer on IPOR Fusion offers a 24-hour APY of 5.24%, a 30-day average of 5.23% on USDT. Yields are variable and update daily based on protocol activity.
Lending Optimizer ranks #4 out of 25 monitored USDT strategies. Its current yield of 5.24% is 47.1% above the market average of 3.56%.
Earnbase rates the yield sustainability of Lending Optimizer at 100/100, classified as "Very Stable". The 24h APY of 5.24% 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 228 days, Lending Optimizer has shown a downward yield trajectory. The average APY moved from 4.70% to 4.41%.
Lending Optimizer has a yield volatility rating of "High" (standard deviation: 2.06pp over 228 days). The APY has ranged from 2.12% to 13.97% in the tracked period, with an average of 4.55%.
Liquidity & TVL
Lending Optimizer currently has a total value locked (TVL) of $74.9K in USDT deposits.
Lending Optimizer holds $74.9K in USDT deposits. Across all 25 tracked USDT strategies, deposits range widely depending on the protocol and curator reputation. This vault's TVL of $74.9K places it within the broader spectrum of USDT opportunities tracked on Earnbase.
By total value locked, Lending Optimizer ranks #15 of 22 USDT strategies on Mainnet. It currently holds $74.9K.
Lending Optimizer's TVL is currently declining. Over the past 228 days, TVL moved from $375.7K to $207.4K, a -44.8% change. The 30-day high was $416.9K and the 30-day low was $110.4K.
Despite rising yields, capital has been flowing out. This may indicate concerns about sustainability or broader market rotation. 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, Lending Optimizer had 19 days of inflows and 8 days of outflows. The largest single-day inflow was +$36.0K (Sep 05, 2026) and the largest outflow was -$68.9K (Sep 10, 2026). Net 30-day TVL change: -33.3%.
Strategy & Access
Lending Optimizer operates on the Mainnet network and is managed by IPOR Fusion. It accepts USDT deposits.
To deposit into Lending Optimizer, you need USDT tokens on the Mainnet network. Visit the IPOR Fusion platform directly to connect your wallet and make a deposit.
Lending Optimizer ranks among 22 monitored USDT strategies on Mainnet. Its yield of 5.24% is 48.2% above the Mainnet average of 3.54%.
Lending Optimizer is deployed on IPOR Fusion's vault infrastructure. Fee structures are set at the protocol and curator level. Consult the vault directly for current performance and management fee rates.
IPOR Fusion is the DeFi protocol infrastructure that Lending Optimizer 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 5.24% 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 IPOR Fusion before depositing.
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