USDT
HOLD · 65%Spark Savings · Ethereum · Stablecoin · Informational — not executable
new capital
keep position
urgency to leave
This is a single-asset USDT lending market on Ethereum, avoiding AMM impermanent loss but offering interest-only yield with no rewards. It holds $410.40M of liquidity and yields 2.8%. WealthVille AI rates it HOLD with 65% confidence.
Computed 2026-07-21 10:02 UTC from on-chain yield, liquidity-depth, and risk signals. Not financial advice.
Liquidityhelp
lock$410.40M
Total value locked
$0.00
24h volume
Yieldhelp
trending_up2.8%
total APYBase yield — no reward emissions
≈ 2.8%
adjusted · trailing 7d base (est.)
Deposit
account_balance_walletWant to deposit into this pool?
Connect in one tap to request access — you'll be first in line when deposits open for this pool.
Free & read-only — connecting never moves your funds
This is a single-asset USDT lending market on Ethereum, avoiding AMM impermanent loss but offering interest-only yield with no rewards. It holds $410.40M of liquidity and yields 2.8%. WealthVille AI rates it HOLD with 65% confidence.
History
30d Low
$402.99M
Latest
$410.40M
30d High
$860.63M
Daily snapshots · data via DefiLlama
Performance
Efficiency & Flow
Pool Analysis
Yield breakdown
The quoted yield consists of 2.8% in base lending interest and — in protocol or liquidity incentives. Because the reward component is zero, the current return depends on borrower demand and utilization rather than temporary emissions; the base rate can therefore change as market conditions change.
Risk profile
Utilization and liquidation risk are the main lending-specific concerns: a utilization spike can raise rates but reduce withdrawal liquidity, while borrower liquidations can create execution losses or bad-debt exposure for suppliers if collateral markets fail under stress. Ethereum gas costs can materially drag on returns for small positions, especially on entry, withdrawal, or rebalancing. This page is informational only; WealthVille does not execute on EVM and executes on Solana.
Assets
USDT is the supplied and borrowed asset, providing dollar-denominated lending exposure rather than a two-asset AMM position, so there is no conventional impermanent-loss mechanism. Its liquidity depends on the market's available cash and USDT's ability to maintain its dollar peg; a depeg can reduce the position's effective dollar value even if the token balance is unchanged.
Strategy note
Before entering, compare the live supply rate with Ethereum gas for both deposit and withdrawal, then monitor utilization and available liquidity; set a rule to withdraw if utilization spikes enough that exiting would be delayed or the net yield no longer covers transaction costs.
In plain English
You lend USDT to borrowers through spark-savings and receive interest, currently represented by 2.8%. The return can change, withdrawals may become harder when many people borrow, and Ethereum fees can make a small deposit uneconomical.
Why this verdict
- • ai_engine=hold
Frequently asked questions
How does lending USDT on spark-savings work?
You supply USDT to the Ethereum lending market, where borrowers pay interest for access to the liquidity. The quoted supply yield is 2.8% on $410.40M of liquidity, subject to changing utilization and protocol rates.
What is the liquidation risk for this market?
A USDT supplier is generally not liquidated like a borrower, but borrower liquidations can cause slippage, losses, or bad debt if collateral becomes difficult to sell. High utilization and stressed collateral markets can therefore affect withdrawals and the realized return.
Is the supply APY on USDT fixed or variable?
It is variable, not guaranteed or fixed. The displayed 2.8%, made up of 2.8% and —, can change with utilization, interest-rate parameters, and any incentives.
How much of the yield comes from incentives vs interest?
The current breakdown is 2.8% from base lending interest and — from rewards. Since the reward component is zero, the quoted 2.8% is currently interest-derived rather than incentive-derived.
What happens to my position if utilization spikes?
The variable supply rate may increase, but available liquidity for withdrawals can become thinner and exits may be delayed or more costly. Monitor utilization and liquidity separately rather than assuming a higher 2.8% means a safer position.
Token Details
USDT
Ethereum
Pool Details
Verdict from WealthVille’s multi-signal reconciliation engine. Informational only — not financial advice.
