What is supplying USDT?

Supplying Tether USD deposits it into the Avana lending market to earn yield. You earn the supply APY plus any active rewards, and you can withdraw available liquidity at any time.

How is the USDT supply APY determined?

Supply APY tracks borrow demand. As utilization rises, borrowers pay more and a larger share goes to suppliers. Rewards APY, when present, is an extra incentive on top of that base rate.

Can I withdraw my USDT anytime?

You can withdraw up to the market's available liquidity. When utilization is very high, withdrawable cash can be limited until borrowers repay or new supply arrives.

What is the reserve factor?

The reserve factor is the share of borrower interest the protocol keeps as a safety buffer instead of paying suppliers. Lower-risk markets use a smaller reserve factor.

What risks should I watch when supplying USDT?

Watch smart-contract risk, Tether USD's own volatility or de-peg risk, and utilization spikes that can delay withdrawals. Higher-risk-tier markets keep a larger reserve and can move more when demand shifts.

What is supplying USDT?

Supplying Tether USD deposits it into the Avana lending market to earn yield. You earn the supply APY plus any active rewards, and you can withdraw available liquidity at any time.

How is the USDT supply APY determined?

Supply APY tracks borrow demand. As utilization rises, borrowers pay more and a larger share goes to suppliers. Rewards APY, when present, is an extra incentive on top of that base rate.

Can I withdraw my USDT anytime?

You can withdraw up to the market's available liquidity. When utilization is very high, withdrawable cash can be limited until borrowers repay or new supply arrives.

What is the reserve factor?

The reserve factor is the share of borrower interest the protocol keeps as a safety buffer instead of paying suppliers. Lower-risk markets use a smaller reserve factor.

What risks should I watch when supplying USDT?

Watch smart-contract risk, Tether USD's own volatility or de-peg risk, and utilization spikes that can delay withdrawals. Higher-risk-tier markets keep a larger reserve and can move more when demand shifts.

Tether USD

USDT

Asset onTestnet

$97.20M

▲$358.60K (0.37%)

About Tether USD

Tether USD (USDT) is a single-asset supply market on Avana. Deposit to earn the supply APY, and withdraw available liquidity anytime. Yield tracks borrower demand, utilization, reserve settings, and market liquidity, so supplier returns can move as deposits and borrows rebalance.…

Vault Contract Address: 0x21A3...23EB
Token Contract Address: 0x16CF...7C7E
Risk Manager Address: 0xD900...FBDD
Oracle Router Address: 0x9C49...91E6

Key Statistics

Price

$0.9991

Available Liquidity

$67.15M

Supply APY

4.47%

Rewards APY

No rewards

Borrow APY

16.07%

Reserve Factor

10%

Risk Parameters

Collateral factor

78.00%

Collateral risk

5.00%

Deposit capacity

$172.0M

Liquidation penalty

5.00% - 5.55%

Borrow capacity

$71.0M

Target health factor

1.28

Liquidation threshold

83.00%

Oracle source

Chainlink

Parameter changelog

Parameter	Previous	Current	Date
Interest rate strategyIR strategy update · Governance	Linear v1	Jump-rate v1	2026-05-07
Collateral factorQuarterly risk review · Risk steward	76.09%	78.00%	2026-04-03
Collateral riskRisk parameter review · Governance	5.81%	5.00%	2026-02-28
Reserve frozenEmergency action · Emergency guardian	Frozen	Active	2026-01-25
Reserve frozenEmergency action · Emergency guardian	Active	Frozen	2025-12-23

Parameter changelog

Parameter	Previous	Current	Date
Interest rate strategyIR strategy update · Governance	Linear v1	Jump-rate v1	2026-05-07
Collateral factorQuarterly risk review · Risk steward	76.09%	78.00%	2026-04-03
Collateral riskRisk parameter review · Governance	5.81%	5.00%	2026-02-28
Reserve frozenEmergency action · Emergency guardian	Frozen	Active	2026-01-25
Reserve frozenEmergency action · Emergency guardian	Active	Frozen	2025-12-23

Tether USD

USDT

Asset onTestnet

$97.20M

▲$358.60K (0.37%)

About Tether USD

Vault Contract Address: 0x21A3...23EB
Token Contract Address: 0x16CF...7C7E
Risk Manager Address: 0xD900...FBDD
Oracle Router Address: 0x9C49...91E6

Key Statistics

Price

$0.9991

Available Liquidity

$67.15M

Supply APY

4.47%

Rewards APY

No rewards

Borrow APY

16.07%

Reserve Factor

10%

Risk Parameters

Collateral factor

78.00%

Collateral risk

5.00%

Deposit capacity

$172.0M

Liquidation penalty

5.00% - 5.55%

Borrow capacity

$71.0M

Target health factor

1.28

Liquidation threshold

83.00%

Oracle source

Chainlink

Parameter changelog

Parameter	Previous	Current	Date
Interest rate strategyIR strategy update · Governance	Linear v1	Jump-rate v1	2026-05-07
Collateral factorQuarterly risk review · Risk steward	76.09%	78.00%	2026-04-03
Collateral riskRisk parameter review · Governance	5.81%	5.00%	2026-02-28
Reserve frozenEmergency action · Emergency guardian	Frozen	Active	2026-01-25
Reserve frozenEmergency action · Emergency guardian	Active	Frozen	2025-12-23