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 3.56% on Jan 12 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
14/01/2026 17:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum4.84MUSDC0%39.53%35.99%
Hatom-lendingMultiversX1.27MUSDC0.33%20.76%18.74%
Bracket-vaultsEthereum7.99MUSDC0%16.34%15.57%
AvantisBase99.92MUSDC0%10.38%13.23%
FranciumSolana2.44MUSDC0%13.15%13.15%
Blend-pools-v2Stellar1.30MUSDC0.71%15.21%12.86%
Blend-pools-v2Stellar5.46MUSDC0%13.34%12.41%
Ipor-fusionEthereum5.06MUSDT0%6.31%11.1%
Ipor-fusionEthereum6.90MUSDC0%7.28%10.61%
WasabiSolana2.19MUSDC0%11.04%10.31%
LiqwidCardano2.44MUSDC1.58%11.42%10.21%
GoldfinchEthereum37.74MUSDC0%10.01%10.01%
Gains-networkBase1.36MUSDC0%6.86%9.59%
LoopscaleSolana4.13MUSDC0.83%10%7.9%
AutofinanceEthereum7.50MUSDC1.25%7.67%7.88%
WasabiBase10.22MUSDC0%8.98%7.8%
Yo-protocolBase26.15MUSDC0%6.98%7.08%
Woofi-earnArbitrum1.22MUSDC0%7.63%7.02%
Harvest-financeBase3.54MUSDC0%7.05%6.97%
Ipor-fusionBase1.99MUSDC0%7.46%6.94%
Extra-finance-leverage-farmingBase5.95MUSDC0.07%7%6.89%
Euler-v2Avalanche2.10MUSDC0%8.78%6.84%
DeltaprimeArbitrum1.08MUSDC0%8.25%6.72%
Storm-tradeTon5.88MUSDT0%4.35%6.69%
DeltaprimeAvalanche1.90MUSDC0%7.18%6.45%
Harvest-financeBase1.11MUSDC0%6.3%6.26%
LoopscaleSolana11.56MUSDC0%6.81%6.17%
Yearn-financeEthereum7.98MUSDT0%4.55%6.08%
Scallop-lendSui1.66MUSDC0%5.75%6.02%
AutofinanceBase24.37MUSDC2.47%8.6%5.91%
Euler-v2Arbitrum1.17MUSDC0%6.3%5.89%
Hyperlend-pooledHyperliquid8.55MUSDC0%5.31%5.75%
SaveSolana6.77MUSDC0%5.81%5.75%
Harvest-financeBase1.73MUSDC0%5.36%5.75%
Yearn-financeEthereum1.23MUSDC0%3.99%5.59%
Echelon-marketAptos12.18MUSDC0%4.82%5.47%
GearboxMonad3.23MUSDC4.89%8.84%5.43%
Yearn-financeEthereum8.10MUSDT0%4.28%5.37%
Gains-networkArbitrum14.19MUSDC0%10.84%5.32%
Euler-v2Arbitrum1.43MUSDC0%5.89%5.22%
Echelon-marketAptos1.66MUSDT0%3.28%5.19%
DolomiteArbitrum2.37MUSDC0%4.67%5.19%
Benqi-lendingAvalanche4.76MUSDC0%4.62%5.15%
Ipor-fusionBase1.73MUSDC0%5.2%5.12%
Benqi-lendingAvalanche1.31MUSDT0%4.26%5.1%
SaveSolana1.96MUSDT0%5.62%5.07%
TermmaxEthereum1.06MUSDC0%4.47%4.96%
TermmaxEthereum1.06MUSDC0%4.47%4.96%
Harvest-financeBase1.32MUSDC0%5.4%4.81%
Harvest-financeEthereum1.07MUSDC0%5.18%4.77%
Navi-lendingSui15.74MUSDC1.32%5.27%4.7%
Yearn-financeBase2.34MUSDC0%5.35%4.68%
MapleEthereum1.62BUSDT0%5.37%4.65%
Euler-v2Ethereum22.37MUSDC0%4.86%4.65%
Flux-financeEthereum1.63MUSDT0%4.61%4.61%
Harmonix-financeArbitrum1.60MUSDC0%5.33%4.58%
Yearn-financeEthereum1.07MUSDC0%4.62%4.54%
Euler-v2Ethereum31.94MUSDC0%4.56%4.48%
ExactlyOptimism1.79MUSDC0%4.43%4.41%
SparklendEthereum4.95MUSDC0%3.95%4.38%
ExactlyOptimism1.79MUSDC0%4.42%4.35%
Yearn-financeEthereum14.54MDAI0%4.46%4.3%
Folks-finance-lendingAlgorand1.90MUSDC0%4.16%4.29%
Yearn-financeEthereum33.96MUSDC0%4.45%4.28%
AutofinanceArbitrum2.93MUSDC2.39%8.87%4.23%
ExactlyOptimism1.79MUSDC0%4.18%4.19%
ExactlyOptimism1.79MUSDC0%4.17%4.18%
ExactlyOptimism1.79MUSDC0%4.49%4.14%
VesperEthereum2.58MUSDC0%3.94%4.14%
Flux-financeEthereum1.57MUSDC0%4.13%4.13%
Yearn-financeEthereum2.60MUSDC0%4.74%4.13%
Moonwell-lendingBase9.06MUSDC0.81%5.44%4.02%
Spark-savingsEthereum173.38MUSDC0%4%4%
Spark-savingsEthereum173.80MUSDT0%4%4%
Spark-savingsAvalanche210.24MUSDC0%4%4%
ExactlyOptimism1.79MUSDC0%3.95%3.98%
Aave-v3Avalanche13.85MUSDC0%3.51%3.96%
ExactlyOptimism1.79MUSDC0%3.86%3.9%
ExactlyOptimism1.79MUSDC0%3.78%3.83%
ExactlyOptimism1.79MUSDC0%3.41%3.71%
Compound-v3Ethereum41MUSDC0.13%3.78%3.66%
Aave-v3Ethereum617.27MUSDC0%3.32%3.63%
NeverlandMonad1.86MUSDC12.19%19.2%3.6%
Aave-v3Linea1.56MUSDC0%3.07%3.6%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum826M5.52%
Avalanche6234.2M5.25%
Base14190.8M6.79%
BSC000%
Ethereum272.8B6.91%
Hyperliquid18.5M5.75%
Mantle000%
Optimism916.1M4.08%
Polygon000%
Solana629M8.06%
TON15.9M6.69%
zkSync Era000%