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 3.68% on Jul 02 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
07/07/2026 12:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableEthereum1.04MUSDC0%14.28%14.25%
AccountableEthereum1.04MUSDC0%14.28%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Harvest-financeBase1.86MUSDC0%16.9%13.07%
Ember-protocolEthereum5.67MUSDC0%12.74%12.9%
AccountableEthereum2.12MUSDC0%7.69%11.74%
AccountableMonad49.81MUSDC0.43%11.47%11.6%
Ember-protocolSui1.36MUSDC0%8.18%11.21%
GoldfinchEthereum36.72MUSDC0%10.12%10.12%
AccountableMonad5.20MUSDC0.5%10.33%10%
Ember-protocolSui1.20MUSDC0%11.19%9.8%
Hyperlend-pooledHyperliquid L18.08MUSDC0%6.05%9.63%
Bracket-vaultsEthereum2.65MUSDC0%9.93%9.51%
Ember-protocolEthereum3.26MUSDC0%9.07%9.36%
AccountableMonad8.95MUSDC0.5%10.1%9.31%
Harmonix-financeHyperliquid L122.59MUSDC0%9.66%9.29%
Centrifuge-protocolPlume Mainnet32.97MUSDC0%2.66%9.24%
Ember-protocolSui1.09MUSDC0%8.62%9.23%
Ember-protocolSui2.77MUSDC0%9.23%9.22%
AvantisBase30.06MUSDC0%9.81%8.7%
YieldseekerBase1.87MUSDC0%7.94%8.19%
SymbiosisTron1.90MUSDT0%6.34%8.18%
Bitway-earnBSC23.14MUSDT0%9.57%8%
Ember-protocolSui7MUSDC4%12%8%
Kamino-lendSolana2.22MUSDC0%6.73%8%
Ember-protocolSui5.95MUSDC0%5.91%7.78%
Spectra-metavaultsBase3.01MUSDC0%2.94%7.53%
Gami-labsBase3.01MUSDC0%2.97%7.53%
LoopscaleSolana1.06MUSDC0.31%8.07%7.43%
Fluid-lendingEthereum130.88MUSDC0%6.26%7.06%
Fluid-lendingEthereum9.35MUSDC0%5.38%7.06%
Zerobase-cedefiEthereum14.12MUSDT2%9%7%
Zerobase-cedefiArbitrum7.62MUSDT2%9%7%
Gami-labsStellar15.15MUSDC0%7%7%
AccountableMonad2.94MUSDC0.5%7.5%6.79%
Zerobase-cedefiBSC1.91MUSDC2%8.76%6.76%
Zerobase-cedefiBSC21.44MUSDT2%8.76%6.76%
Extra-finance-leverage-farmingBase3.45MUSDC0%6.6%6.74%
Gains-networkArbitrum6.97MUSDC0%9.52%6.71%
Yearn-financeEthereum8.56MUSDC0%5.47%6.59%
Lista-lendingBSC4.92MUSDT0%4.66%6.57%
Lista-lendingBSC1.76MUSDT1.32%6.96%6.55%
Yearn-financeEthereum5.68MUSDC0%5.08%6.27%
Blend-pools-v2Stellar16.08MUSDC0%6.86%6.18%
AutofinanceEthereum8.14MUSDC0.4%6.32%6.13%
Harvest-financeEthereum1.13MUSDC0%7.96%5.95%
Storm-tradeTON3.62MUSDT0%5.97%5.94%
Fluid-lendingArbitrum37.89MUSDC0%5.89%5.93%
SymbiosisEthereum1.28MUSDC0%7.69%5.92%
Lista-lendingBSC6.13MUSDT0%5.29%5.71%
Centrifuge-protocolAvalanche260.03MUSDC0%4.01%5.66%
Centrifuge-protocolBase50.14MUSDC0%4.01%5.66%
Centrifuge-protocolBase2.22MUSDC0%3.99%5.66%
Centrifuge-protocolEthereum5.87MUSDC0%3.98%5.66%
Fluid-lendingBase8.50MUSDC0%5.45%5.65%
AccountableEthereum4.10MUSDC9.85%12.61%5.65%
Fusion-by-iporEthereum1.92MUSDC0%6.09%5.4%
AutofinanceBase6.08MUSDC2.01%7.42%5.37%
Navi-lendingSui5.98MUSDC0.44%6.01%5.24%
Yearn-financeBase1.70MUSDC0%4.73%5.05%
Centrifuge-protocolMonad4.52MUSDC0%2.96%4.99%
Fluid-lendingEthereum124.39MUSDT0%5.62%4.94%
Yearn-financeEthereum1.18MUSDC0%4.08%4.72%
Kamino-lendSolana9.27MUSDC0%4.3%4.57%
Kamino-lendSolana1.47MUSDC0%4.15%4.57%
Ember-protocolSui1.12MUSDC7.98%11.62%4.5%
Flux-financeEthereum1.92MUSDT0%4.49%4.44%
DolomiteArbitrum1.42MUSDC0%4.01%4.39%
Aave-v3Avalanche2.29MUSDT0%3.57%4.29%
ExactlyOP Mainnet1.72MUSDC0%4.14%4.19%
ExactlyOP Mainnet1.72MUSDC0%4.16%4.18%
ExactlyOP Mainnet1.72MUSDC0%4.07%4.16%
Euler-v2Monad2.20MUSDC3.14%4.9%4.11%
ExactlyOP Mainnet1.72MUSDC0%4.05%4.1%
MapleEthereum1.04BUSDT0%4.14%4.07%
ExactlyOP Mainnet1.72MUSDC0%3.94%4.05%
AmpleBase4.30MUSDC0%4.64%4.04%
ExactlyOP Mainnet1.72MUSDC0%3.96%3.99%
Yo-protocolBase10.52MUSDC0%4.23%3.99%
Yo-protocolEthereum2.38MUSDC0%4.23%3.99%
Folks-finance-xchainPolygon1.26MUSDT0%4.03%3.96%
Benqi-lendingAvalanche4.33MUSDC0%3.73%3.9%
ExactlyOP Mainnet1.72MUSDC0%3.76%3.88%
ExactlyOP Mainnet1.72MUSDC0%3.72%3.85%
ExactlyOP Mainnet1.72MUSDC0%4.07%3.84%
Centrifuge-protocolPharos15.10MUSDC0%3.63%3.78%
Flux-financeEthereum2.60MUSDC0%3.72%3.72%
TermmaxBase1.20MUSDC0%4.08%3.69%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum453.9M6.01%
Avalanche3266.6M4.62%
Base14127.9M6.49%
BSC659.3M6.73%
Ethereum241.4B7.36%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.3M3.96%
Solana414M6.14%
TON13.6M5.94%
zkSync Era000%