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 3.59% on Jan 29 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
01/02/2026 23:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AcrossEthereum1.37MDAI0.71%4.74%18.96%
Gains-networkArbitrum12.88MUSDC0%8.12%18.78%
Gains-networkBase2.29MUSDC0%10.3%15.92%
Bracket-vaultsEthereum4.07MUSDC0%15.48%14.93%
Blend-pools-v2Stellar1.28MUSDC0.85%14.15%14.16%
FranciumSolana2.44MUSDC0%13.15%13.15%
LiqwidCardano1.72MUSDC1.58%12.52%13.05%
Blend-pools-v2Stellar6.16MUSDC0%12.5%11.03%
AvantisBase93.26MUSDC0%10.91%10.3%
GoldfinchEthereum37.74MUSDC0%10.01%10.01%
AutofinanceEthereum12.51MUSDC0.38%8.7%8.4%
Ipor-fusionBase1.87MUSDC0%7.65%7.79%
Yearn-financeEthereum14.29MDAI0%4.78%7.36%
WasabiBase9.86MUSDC0%7.5%7.36%
Yearn-financeEthereum33.33MUSDC0%4.75%7.29%
LoopscaleSolana2.97MUSDC0.56%9.08%7.24%
Woofi-earnArbitrum1.19MUSDC0%7.12%7.13%
DeltaprimeAvalanche1.76MUSDC0%7.13%6.7%
Yo-protocolBase27.73MUSDC14%8.33%6.66%
Ipor-fusionEthereum5.90MUSDT0%7.83%6.61%
Hyperlend-pooledHyperliquid7.45MUSDC0%5.58%6.58%
Yearn-financeEthereum1.10MUSDC0%4.69%6.52%
Harvest-financeBase3.10MUSDC0%6.43%5.72%
LoopscaleSolana13.12MUSDC0%6.22%5.52%
DolomiteArbitrum2.26MUSDC0%4.73%5.5%
AutofinanceBase22.93MUSDC1.42%7.9%5.48%
Extra-finance-leverage-farmingBase5.74MUSDC0.12%6.59%5.42%
Scallop-lendSui1.97MUSDC0%5.69%5.32%
Harmonix-financeArbitrum1.33MUSDC0%5.06%5.3%
VesperEthereum2.43MUSDC0%4.23%5.17%
WasabiSolana1.49MUSDC0%9%5.05%
Euler-v2Ethereum35.68MUSDC0%4.59%4.95%
Euler-v2Ethereum22.86MUSDC0%4.71%4.95%
Harvest-financeEthereum1.07MUSDC0%5%4.85%
Harvest-financeEthereum1.07MUSDC0%5%4.85%
AutofinanceEthereum8.70MUSDC0%1.71%4.82%
Yearn-financeEthereum7.74MUSDT0%4.78%4.82%
Euler-v2Avalanche3.99MUSDC0%9.1%4.79%
Folks-finance-lendingAlgorand1.45MUSDC0%4.28%4.76%
Storm-tradeTon5.86MUSDT0%7.63%4.71%
MapleEthereum1.71BUSDT0%4.91%4.62%
Flux-financeEthereum1.64MUSDT0%4.6%4.6%
NeverlandMonad2.90MUSDC8.8%16.11%4.59%
Echelon-marketAptos13.99MUSDC0%4.74%4.53%
Yearn-financeEthereum7.98MUSDT0%4.5%4.46%
DolomiteEthereum9.33MUSDC0%3.7%4.44%
ExactlyOptimism1.80MUSDC0%4.4%4.39%
Harvest-financeBase1.51MUSDC0%5.3%4.37%
Benqi-lendingAvalanche6.38MUSDC0%4.88%4.37%
ExactlyOptimism1.80MUSDC0%4.2%4.22%
ExactlyOptimism1.80MUSDC0%4.19%4.21%
Aave-v3Ethereum8.41MUSDC0%4.31%4.2%
Ipor-fusionBase1.52MUSDC0%4.94%4.2%
Flux-financeEthereum1.47MUSDC0%4.14%4.18%
Yearn-financeBase2.33MUSDC0%4.75%4.18%
AutofinanceArbitrum1.33MUSDC2.01%7.15%4.12%
Folks-finance-xchainPolygon2.05MUSDT0%6.07%4.07%
Takara-lendSei1.32MUSDC3.48%8.47%4.06%
SparklendEthereum6.65MUSDC0%3.94%4.05%
ExactlyOptimism1.80MUSDC0%3.99%4.04%
Spark-savingsAvalanche94.42MUSDC0%4%4%
Spark-savingsEthereum124.46MUSDT0%4%4%
Spark-savingsEthereum205.99MUSDC0%4%4%
Yearn-financeEthereum10.83MDAI0%2.77%3.99%
ExactlyOptimism1.80MUSDC0%3.92%3.98%
Navi-lendingSui12.38MUSDC0.79%5.71%3.9%
ExactlyOptimism1.80MUSDC0%3.84%3.89%
ExactlyOptimism1.80MUSDC0%3.75%3.85%
Aave-v3Base46.27MUSDC0%3.6%3.82%
SymbiosisTron1.95MUSDT0%4.3%3.78%
Benqi-lendingAvalanche2.83MUSDT0%4.44%3.76%
ExactlyOptimism1.80MUSDC0%3.89%3.73%
Aave-v3Ethereum532.64MUSDC0%3.66%3.71%
Moonwell-lendingBase9.79MUSDC0%4.8%3.7%
Fluid-lendingEthereum355.29MUSDC0.88%4.83%3.63%
Fluid-lendingEthereum3.17MUSDC0%3.67%3.63%
ExactlyOptimism1.80MUSDC0%3.52%3.62%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum519M8.17%
Avalanche5109.4M4.72%
Base13228.2M6.53%
BSC000%
Ethereum283.2B6%
Hyperliquid17.4M6.58%
Mantle000%
Optimism916.2M3.99%
Polygon12.1M4.07%
Solana420M7.74%
TON15.9M4.71%
zkSync Era000%