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 3.80% on Oct 21 2025). 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
23/10/2025 10:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum15.86MUSDC0%60.56%41.69%
KiloexOp_bnb1.14MUSDT0%9.69%30.19%
Peapods-financeEthereum6.52MUSDC0%44.14%29.91%
Colend-protocolCore1.17MUSDT6.08%26.25%27.7%
LiqwidCardano1.33MUSDC1.55%20.01%22.94%
Harvest-financeArbitrum2.64MUSDC0%21.89%22.48%
AvantisBase102.58MUSDC0%27.19%20.92%
Ipor-fusionEthereum1.72MUSDC0%20.44%18.35%
Bracket-vaultsEthereum9.56MUSDC0%18.02%18.04%
Harvest-financeBase2.93MUSDC0%12.88%16.58%
SuperfundBase1.46MUSDC1%13.97%16.32%
Stream-financeEthereum411MUSDC0%15.02%14.71%
Blend-pools-v2Stellar2.62MUSDC0%13.8%13.89%
Gains-networkArbitrum9.94MUSDC0%8.11%13.79%
Harmonix-financeArbitrum4.09MUSDC0%13.39%13.76%
FranciumSolana2.44MUSDC0%13.15%13.15%
Gains-networkBase2.21MUSDC0%15.19%12.07%
Silo-v2Avalanche2.27MUSDC0%10.07%11.83%
DeltaprimeArbitrum1.64MUSDC0%16.05%10.8%
Yo-protocolBase26.10MUSDC0%10.9%10.68%
WasabiBase4.83MUSDC0%11.89%10.54%
AutofinanceArbitrum10.21MUSDC0.82%11.61%10.29%
DeltaprimeAvalanche3.69MUSDC0%15.52%10.22%
AutofinanceBase32.33MUSDC2.26%13.19%9.64%
GoldfinchEthereum42.58MUSDC0%9.54%9.56%
Silo-v2Arbitrum1.10MUSDC0%9.16%9.39%
Harvest-financeArbitrum1.36MUSDC0%11.18%9.33%
Benqi-lendingAvalanche7.29MUSDC0%8.52%9.31%
Scallop-lendSui1.07MUSDC0%8.77%9.13%
SaveSolana4.24MUSDC0%5.98%8.89%
LoopscaleSolana2.43MUSDC0.99%10.35%8.86%
Harvest-financeBase2.48MUSDC0%8.63%8.72%
Navi-lendingSui7.16MUSDC0%11.17%8.59%
Harvest-financeBase2.09MUSDC0%8.15%8.52%
AcrossEthereum2.07MDAI0.94%10.13%8.51%
Morpho-v1Ethereum1.02MUSDC0%9.15%8.37%
Morpho-v1Ethereum1.02MUSDC0%9.15%8.37%
AutofinanceEthereum12.62MUSDC0.93%10.42%7.96%
Ipor-fusionArbitrum1.36MUSDC0%9.64%7.78%
Euler-v2Avalanche4.26MUSDC1.22%9.72%7.77%
Extra-finance-leverage-farmingBase6.60MUSDC0.41%9.15%7.51%
Harvest-financeBase1.29MUSDC0%7.09%7.18%
Euler-v2Arbitrum7.12MUSDC0%5.52%7.06%
Silo-v2Avalanche1.07MUSDC0%13.46%7.04%
Benqi-lendingAvalanche3.54MUSDT0%8.44%6.98%
Lista-lendingBSC38.55MUSDT0.92%10.15%6.8%
Euler-v2Linea10.01MUSDT0%6.31%6.74%
Euler-v2Linea6.81MUSDC0%6.19%6.68%
AutofinanceEthereum8.73MUSDC0%7.92%6.53%
Storm-tradeTon6.32MUSDT0%20.51%6.33%
MapleEthereum0.93BUSDT0.89%8.34%6.25%
DolomiteArbitrum3.88MUSDC0%7.39%6.2%
Yearn-financeEthereum12.79MUSDC0%6.4%6.17%
Compound-v3Ethereum46.27MUSDC0.19%4.16%6.09%
Ipor-fusionEthereum4.51MUSDC0%10.23%6.09%
Euler-v2Ethereum21.36MUSDC0%6.62%5.89%
Harvest-financeEthereum1.09MUSDC0%7.08%5.79%
Compound-v2Ethereum14.47MUSDT0%6.86%5.77%
GearboxEtherlink1.97MUSDC17.87%23.63%5.74%
Yearn-financeEthereum11.95MDAI0%4.77%5.62%
Yearn-financeEthereum4.71MUSDT0%3.78%5.58%
Echelon-marketAptos14.48MUSDC1.22%9%5.57%
Yearn-financeEthereum6.94MUSDC0%6.53%5.39%
Folks-finance-lendingAlgorand1.35MUSDC0%5.03%5.35%
ExactlyOptimism1.39MUSDC0%5.72%5.28%
Takara-lendSei2.68MUSDC7.33%14.6%5.23%
ExactlyOptimism1.39MUSDC0%5.32%5.18%
Moonwell-lendingBase6.64MUSDC1.48%9.16%5.16%
Hyperlend-pooledHyperliquid3.13MUSDC0%7.39%5.14%
Yearn-financeEthereum25.36MUSDC0%5.81%5.13%
LoopscaleSolana1.99MUSDC6.16%12.16%5.12%
Euler-v2Avalanche11.66MUSDT3.32%9.3%5.12%
ExactlyOptimism1.39MUSDC0%5.2%5.11%
Euler-v2Ethereum1.73MUSDC0%5.18%5.06%
Yearn-financeEthereum1.04MUSDC0%7.05%5.05%
ExactlyOptimism1.39MUSDC0%5.08%5%
ExactlyOptimism1.39MUSDC0%5.04%4.94%
Yearn-financeEthereum15.75MDAI0%4.68%4.84%
Aave-v3Base95.80MUSDC0%5.46%4.83%
Folks-finance-xchainPolygon1.29MUSDT4.2%9.36%4.79%
ExactlyOptimism1.39MUSDC0%4.99%4.71%
ExactlyOptimism1.39MUSDC0%5.06%4.69%
Flux-financeEthereum1.55MUSDT0%4.65%4.66%
Aave-v3Polygon1.25MDAI0%4.72%4.61%
Kamino-lendSolana55.98MUSDC0%4.92%4.59%
Compound-v3Arbitrum2.69MUSDC0.96%5%4.57%
Aave-v3Linea10.91MUSDT0%5.21%4.48%
TermmaxEthereum4.30MUSDC0%6.77%4.43%
Euler-v2Ethereum9.43MUSDC0%5.68%4.35%
Fluid-lendingBase30.99MUSDC2.83%7.38%4.35%
Euler-v2Arbitrum2.84MUSDC0%5.56%4.28%
Aave-v3Ethereum1.08BUSDT0%4.41%4.22%
Yearn-financeEthereum6.68MUSDT0%4.51%4.2%
ExactlyOptimism1.39MUSDC0%4.33%4.14%
Aave-v3Optimism5.21MUSDC0%4.86%4.14%
ExactlyOptimism1.39MUSDC0%3.62%4.13%
Yearn-financeEthereum7.63MUSDT0%6.28%3.97%
Aave-v3Optimism2.64MUSDT0%4.99%3.95%
GearboxEthereum2.41MUSDC0%3.98%3.92%
Aave-v3Ethereum1.18BUSDC0%3.86%3.82%
Euler-v2Avalanche3.77MUSDC32.94%38.89%3.82%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum1248.9M9.98%
Avalanche837.6M7.76%
Base14318.3M10.21%
BSC138.5M6.8%
Ethereum333.9B8.61%
Mantle000%
Optimism1120.4M4.66%
Polygon22.5M4.7%
Solana567.1M8.12%
TON16.3M6.33%
zkSync Era000%