Lending · USDTKamino Lend USDT APY today
Lend USDT on Kamino Lend from your own wallet and earn the interest borrowers pay.
- Beta: up to 1,000 USDT per deposit
- No Hermes fee today
- You sign in your own wallet
- APY today
- 4.24%
- 2nd of 3 USDT routes by APY
- Safety Score
- 70 / 100
- Below Top rated (80+)
- Deposited
- $12.0M
- in Kamino Lend
- Exit
- 89%
- of the reserve is borrowed
Read 27 Oct 2026, 05:06 UTC · APY and deposits from Kamino · refreshed every minute
Why Kamino Lend USDT scores 70
70 of 100 from live data. Top rated needs 80 or more, so Hermes shows it under All routes.
Four parts from live data, 25 points each, then deductions for validator spread and incidents. It does not cover smart contract bugs or a sudden depeg.
How the score works- Size1/25$12.0M deposited. Source: Kamino.
- Track record19/25Deposits tracked since Oct 2023. Source: DefiLlama's first record.
- Outflows25/25Deposits fell at most 8% in the last 30 days, counted in USDT. Source: Kamino.
- Exit25/2589% of the reserve is borrowed. $1.3M can be withdrawn now. Source: Kamino.
Live from the Hermes API. Each part names what it measured and its source.
How it works
- What it is
- You lend your USDT to borrowers through Kamino Lend. It sits in your own account there.
- Yield from
- The interest borrowers pay. It moves up and down as they borrow more or less.
- Getting out
- Withdraw at app.kamino.finance whenever the reserve has room.
What can go wrong
Your USDT is lent to borrowers. A withdrawal waits when most of the reserve is borrowed. Right now 11% of it can leave. A bug or bad debt in Kamino Lend could lose funds.
The Safety Score weighs what live data can show, and alerts tell you when this route changes. Neither removes the risk. Start small.
Risks in DocsEvery USDT route, live
Sorted by Safety Score, then APY, the way Hermes opens. The diamond marks Top rated.
Kamino Lend USDT, plainly
Every number here is live. More in Docs.