Decentralized Lending Rates for stablecoin

List of decentralized protocols and stablecoin pools, each with a Total Value Locked (TVL) exceeding $1,000,000(the higher the TVL, the more trust in the protocol). These platforms allow you to earn interest on stablecoins(USDC,USDT,DAI) surpassing 3 Month Treasury Bill rate (US T-Bill 3.81% on Jul 24 2026). You can deposit and withdraw your stablecoins anytime, with no lockup or deposit limits. DEX only, no CEX, no KYC, Your Keys - Your Crypto. Note that the annual percentage yield in stablecoin pools can fluctuate frequently.

Best Stablecoin Yield: Lending/Staking/Liquidity Pools APY Rates on DexLender
28/07/2026 18:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AzuroPolygon1.43MUSDT0%4.12%31.44%
AccountableMonad7.56MUSDC0.14%33.96%27.81%
AccountableMonad99.82MUSDC0%14.85%17.6%
AccountableEthereum3.51MUSDC11.55%18.02%15.62%
AccountableEthereum1.05MUSDC0%14.25%14.25%
AccountableEthereum1.05MUSDC0%14.25%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum7.84MUSDC0%12.96%12.9%
Midas-rwaEthereum1.98MUSDC0%9.89%12.07%
AccountableEthereum2.23MUSDC0%11.31%11.59%
Harvest-financeBase1.87MUSDC0%12.69%11.53%
Midas-rwaEthereum7.98MUSDC0%9.12%10.64%
Pareto-creditEthereum15.17MUSDC0%10.59%10.59%
Ember-protocolSui1.08MUSDC0%9.87%10.29%
Euler-v2Monad1.64MUSDC2.64%7.96%10.27%
GoldfinchEthereum35.95MUSDC0%10.1%10.21%
Midas-rwaEthereum70.85MUSDC0%11.44%10.21%
YieldseekerBase2.04MUSDC0%8.52%10.16%
Ember-protocolSui1.21MUSDC0%8.74%9.89%
Ember-protocolEthereum3.96MUSDC0%2.96%9.83%
Midas-rwaEthereum7.27MUSDC0%4.37%9.44%
Midas-rwaEtherlink1.12MUSDC0%4.35%9.44%
Midas-rwaEthereum38.04MUSDC0%10.56%9.38%
Pareto-creditEthereum2.14MUSDC0%9.38%9.38%
Bracket-vaultsEthereum2.59MUSDC0%9.44%9.3%
Ember-protocolEthereum3.24MUSDC0%9.22%9.14%
AvantisBase20.79MUSDC0%9.14%8.89%
Ember-protocolSui5.38MUSDC0%8.93%8.86%
Ember-protocolSui1.31MUSDC0%8.19%8.38%
Pareto-creditEthereum170.69MUSDC0%8.31%8.31%
AccountableMonad10.08MUSDC0%9.89%8.01%
Bitway-earnBSC23.39MUSDT0%8.15%8%
Ember-protocolSui8.08MUSDC4%12%8%
Midas-rwaEthereum6.66MUSDC0%7.83%7.97%
Midas-rwaEthereum2.50MUSDC0%7.82%7.97%
Midas-rwaEthereum4.54MUSDC0%6.73%7.82%
Yearn-financeEthereum6.18MUSDC0%6.7%7.74%
Midas-rwaEtherlink4.78MUSDC0%7.81%7.58%
VesperEthereum1.20MUSDC0%1.78%7.55%
AccountableMonad2.36MUSDC0%7.46%7.28%
Blend-pools-v2Stellar12.23MUSDC0%7.48%7.16%
Pareto-creditEthereum21.87MUSDC0%7.13%7.13%
LoopscaleSolana1.48MUSDC0.23%7.41%7.07%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
Harmonix-financeHyperliquid L118.78MUSDC0%8.41%6.97%
Kamino-lendSolana3.75MUSDC0%6.86%6.78%
Zerobase-cedefiBSC20.79MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.05MUSDC2%8.76%6.76%
Extra-finance-leverage-farmingBase3.44MUSDC0%6.45%6.75%
Ember-protocolEthereum16.93MUSDC0%7.06%6.7%
Yearn-financeEthereum1.18MUSDC0%5.21%6.32%
SymbiosisTron1.33MUSDT0%6.08%6.18%
Yearn-financeEthereum9.32MUSDC0%5.99%6.08%
Harvest-financeEthereum1.16MUSDC0%6.68%6%
Ember-protocolSui1.19MUSDC6.84%11.91%5.93%
AutofinanceBase5.26MUSDC2.49%7.51%5.91%
Hyperlend-pooledHyperliquid L111.70MUSDC0%7.06%5.9%
Storm-tradeTON3.59MUSDT0%5.83%5.73%
Ember-protocolSui5.68MUSDC0%6.81%5.67%
Gains-networkArbitrum6.31MUSDC0%6.22%5.57%
Fusion-by-iporEthereum2.61MUSDC0%5.91%5.55%
AutofinanceEthereum8.57MUSDC0.42%6.76%5.51%
Euler-v2Ethereum7.49MUSDC0%3.84%5.46%
Fluid-lendingBase8.79MUSDC0%5.44%5.41%
Fluid-lendingArbitrum36.10MUSDC0%5.57%5.21%
Navi-lendingSui6.41MUSDC0.42%5.67%5.12%
SymbiosisEthereum1.11MUSDC0%4.86%5.09%
Fluid-lendingEthereum146.25MUSDC0%5.65%5.01%
Fluid-lendingEthereum9.04MUSDC0%5.56%5.01%
LoopscaleSolana1.45MUSDC0%5.78%4.98%
Yearn-financeBase1.77MUSDC0%4.98%4.92%
Lista-lendingBSC1.93MUSDT0.25%6.67%4.71%
Fluid-lendingEthereum132.72MUSDT0%5.09%4.69%
Centrifuge-protocolAvalanche260.60MUSDC0%3.92%4.55%
Centrifuge-protocolBase50.25MUSDC0%3.92%4.55%
Flux-financeEthereum2.05MUSDT0%4.43%4.41%
MapleEthereum892.47MUSDT0%4.14%4.37%
ExactlyOP Mainnet1.62MUSDC0%4.27%4.34%
Jupiter-lendSolana427.16MUSDC0.71%4.76%4.28%
ExactlyOP Mainnet1.62MUSDC0%4.21%4.27%
ExactlyOP Mainnet1.62MUSDC0%4.19%4.26%
Lista-lendingBSC6.16MUSDT0%4.99%4.24%
Yo-protocolBase9.86MUSDC0%4.13%4.22%
Yo-protocolEthereum2.38MUSDC0%4.13%4.22%
ExactlyOP Mainnet1.62MUSDC0%4.1%4.21%
Kamino-lendSolana7.86MUSDC0%4.74%4.19%
ExactlyOP Mainnet1.62MUSDC0%4.13%4.18%
Moonwell-lendingBase2MUSDC0.32%4.65%4.16%
ExactlyOP Mainnet1.62MUSDC0%3.96%4.12%
DolomiteArbitrum1.54MUSDC0%4.75%4.1%
Benqi-lendingAvalanche4.09MUSDC0%3.8%4.09%
TermmaxBase1.20MUSDC0%3.91%4.08%
TermmaxEthereum4.40MUSDC0%3.62%4.07%
ExactlyOP Mainnet1.62MUSDC0%4.01%4.07%
ExactlyOP Mainnet1.62MUSDC0%3.9%4.07%
Centrifuge-protocolEthereum6MUSDC0%3.91%4%
Centrifuge-protocolBase1.54MUSDC0%3.92%4%
Aave-v3Avalanche5.36MUSDC0%3.52%3.96%
Aave-v3BSC1.42MUSDC0%2.32%3.85%
Kamino-lendSolana1.22MUSDT0%3.62%3.83%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum451.6M5.47%
Avalanche3270.1M4.2%
Base12108.8M6.22%
BSC655.7M5.72%
Ethereum401.7B8.07%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.4M31.44%
Solana6442.9M5.19%
TON13.6M5.73%
zkSync Era000%