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 % on ). 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
10/10/2026 01:00:05

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Neutral-tradeSolana2.26MUSDC0%48.57%48.32%
Neutral-tradeSolana1.40MUSDC0%68.35%32.28%
AccountableMonad1.14MUSDC0%21.5%32.14%
Harvest-financeBase1.82MUSDC0%50.11%24.78%
EnsuroEthereum1.29MUSDC0%21.41%18.53%
VerantaBase9.60MUSDC0%19.45%17.74%
Ember-protocolSui8.71MUSDC0%9.36%16.21%
Ember-protocolEthereum5.75MUSDC0%10.82%14.35%
AccountableEthereum1.05MUSDC0.75%14.84%14.25%
AccountableMonad7.50MUSDC0.89%16.43%13.79%
Vectis-financeEthereum1.25MUSDC0%11.28%13.53%
AccountableEthereum1.25MUSDC0%14.6%13.19%
AccountableEthereum2.33MUSDC11.91%36.7%13.08%
Ember-protocolEthereum1.64MUSDC0%12.15%12.93%
Ember-protocolEthereum2.63MUSDC0%12.97%12.9%
AccountableEthereum3.40MUSDC0%10.96%12.82%
AccountableEthereum11.06MUSDC0%12.37%12.13%
AccountableMonad5.44MUSDC0.46%12.1%11.64%
Neutral-tradeSolana4.26MUSDC0%13.45%10.85%
Pareto-creditEthereum11.10MUSDC0%10.59%10.59%
AccountableMonad74.98MUSDC0.31%11.61%10.5%
Midas-rwaEthereum26.36MUSDC0%8.95%10.21%
Ember-protocolSui9.95MUSDC0%10.13%10.01%
AguaEthereum7.99MUSDC0%10%10%
Neutral-tradeSolana2.44MUSDC0%12.76%9.74%
Ember-protocolEthereum3.71MUSDC0%9.59%9.51%
Pareto-creditEthereum1.98MUSDC0%9.38%9.38%
Nawa-protocolZIGChain3.45MUSDC0%10.03%9.33%
Benqi-lendingAvalanche1.37MUSDC0%6.51%9%
Centrifuge-protocolEthereum2.68MUSDT0%4.94%8.83%
Rhea-lendNear1.85MUSDC0%7.62%8.39%
Midas-rwaEthereum31.29MUSDC0%7.22%8.38%
Pareto-creditEthereum127.25MUSDC0%7.89%8.06%
Rhea-lendNear1.98MUSDT0%8.39%8.04%
Bitway-earnBSC23.33MUSDT0%8%8%
Ember-protocolSui8.70MUSDC4%12%8%
Harvest-financeBase1.20MUSDC0%7.18%7.67%
Coinmerce-capitalHyperliquid L11.74MUSDC0%5.43%7.64%
Sentora-curatorEthereum95.73MUSDC0%7.41%7.64%
Midas-rwaEthereum65.77MUSDC0%7.54%7.6%
Midas-rwaEthereum6.62MUSDC0%6.72%7.51%
Bitway-earnBSC2.14MUSDT0%7.5%7.5%
Neutral-tradeSolana1.39MUSDC0%8.85%7.47%
AccountableMonad2.16MUSDC0.5%7.41%7.28%
Aave-v3Avalanche4.16MUSDC0%5.34%7.21%
Extra-finance-leverage-farmingBase3.26MUSDC0%6.41%7.17%
Zerobase-cedefiEthereum14.06MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.61MUSDT2%9%7%
Yearn-financeEthereum7.61MUSDC0%6.88%6.94%
Yearn-financeEthereum12.03MUSDC0%6.69%6.87%
Zerobase-cedefiBSC16.75MUSDT2%8.76%6.76%
Midas-rwaEthereum3.91MUSDC0%7.2%6.76%
Midas-rwaEthereum2.52MUSDC0%7.19%6.76%
Zerobase-cedefiBSC1.93MUSDC2%8.76%6.76%
Blend-pools-v2Stellar11.44MUSDC0%7.42%6.67%
Loopscale-lendingSolana1.15MUSDC0.12%6.93%6.67%
Vectis-financeSolana3.22MUSDC0%6.7%6.62%
Pareto-creditEthereum22.09MUSDC0%6.62%6.62%
Kamino-lendSolana5.52MUSDC0%6.57%6.6%
Euler-v2Monad5.79MUSDC1.25%7.63%6.56%
Kamino-lendSolana1.64MUSDC0%5.05%6.54%
Ember-protocolEthereum17.78MUSDC0%11.2%6.32%
Fluid-lendingEthereum139.28MUSDC0%4.58%6.29%
Centrifuge-protocolAvalanche262.84MUSDC0%3.76%6.28%
Centrifuge-protocolBase22.74MUSDC0%3.75%6.28%
Centrifuge-protocolBSC1.02MUSDC0%3.74%6.28%
Centrifuge-protocolEthereum9.31MUSDC0%3.7%6.28%
Midas-rwaBase51.54MUSDC0%3.51%6.2%
Midas-rwaRobinhood Chain36.04MUSDC0%3.57%6.2%
Midas-rwaEthereum34.06MUSDC0%6.53%6.1%
Lista-lendingBSC1.16MUSDT0%6.14%6%
Harmonix-financeHyperliquid L115.94MUSDC0%6.51%5.98%
Fluid-lendingArbitrum55.75MUSDC0%4.61%5.92%
Midas-rwaEtherlink4.95MUSDC0%4.96%5.87%
Harvest-financeEthereum1.16MUSDC0%6.17%5.76%
AutofinanceEthereum7.63MUSDC0.93%6.25%5.62%
AccountableMonad6.68MUSDC0.5%5.67%5.55%
MapleEthereum679.02MUSDT0%4.99%5.53%
Alchemix-v3Ethereum7.81MUSDC0%5.33%5.3%
SymbioticEthereum1.01MUSDC0%6.2%5.22%
SymbioticEthereum1.01MUSDC0%6.2%5.22%
Fusion-by-iporEthereum1.28MUSDC0%6.15%5.22%
Jupiter-lendSolana496.72MUSDC0.36%4.26%5.21%
Kamino-lendSolana1.53MUSDC0%5.16%5.04%
SymbiosisEthereum1.11MUSDC0%4.56%4.88%
Yearn-financeBase1.61MUSDC0%4.89%4.86%
Navi-lendingSui9.32MUSDC0.58%5.25%4.82%
Fusion-by-iporBase2.91MUSDC0%5.37%4.75%
Storm-tradeTON2.71MUSDT0%4.96%4.72%
Gains-networkArbitrum4.28MUSDC0%36.09%4.62%
Fluid-lendingBase12.76MUSDC3.53%6.86%4.54%
Midas-rwaEthereum1.72MUSDC0%8.62%4.53%
Aave-v3Monad13.61MUSDC1.29%6.11%4.52%
Kamino-lendSolana10.08MUSDC0%4.77%4.49%
Kamino-lendSolana1.38MUSDC0%4.39%4.49%
Ember-protocolEthereum2.04MUSDC0%4.52%4.45%
Flux-financeEthereum1.95MUSDT0%4.44%4.44%
Compound-v3Ethereum36.85MUSDC0%4.55%4.38%
ExactlyOP Mainnet1.62MUSDC0%4.34%4.34%
Yo-protocolBase7.87MUSDC0%4.3%4.34%
Yo-protocolEthereum1.35MUSDC0%4.3%4.34%
ExactlyOP Mainnet1.62MUSDC0%4.38%4.33%
ExactlyOP Mainnet1.62MUSDC0%4.29%4.3%
CurvanceMonad3.13MUSDC1.8%6.07%4.28%
ExactlyOP Mainnet1.62MUSDC0%4.32%4.27%
Yearn-financeEthereum2.39MUSDC0%4.08%4.24%
ExactlyOP Mainnet1.62MUSDC0%4.21%4.24%
ExactlyOP Mainnet1.62MUSDC0%4.17%4.21%
TydroInk17.55MUSDC0%4.11%4.2%
Aave-v3Base17.41MUSDC0%3.82%4.17%
Flux-financeEthereum1.60MUSDC0%4.1%4.14%
AutofinanceBase3.66MUSDC4.69%10.34%4.12%
Fluid-lendingEthereum129.83MUSDT0%4.54%4.11%
Aave-v4Ethereum2.74MUSDC0%4.91%4.07%
ExactlyOP Mainnet1.62MUSDC0%4.01%4.05%
Fusion-by-iporBase1.20MUSDC1.94%6.55%4.05%
ExactlyOP Mainnet1.62MUSDC0%1.97%4.02%
Gami-labsBase3.03MUSDC0%2.96%3.99%
Spectra-metavaultsBase3.03MUSDC0%2.96%3.99%
ExactlyOP Mainnet1.62MUSDC0%3.14%3.85%
Aave-v3Ethereum143.09MUSDC0%4.25%3.82%
Aave-v3Ethereum57.35MUSDC1.7%5.82%3.82%
Spark-savingsEthereum313.33MUSDC0%3.62%3.8%
Spark-savingsAvalanche2.61MUSDC0%3.62%3.8%
Midas-rwaEthereum6.44MUSDC0%3.52%3.77%
Midas-rwaEtherlink1.13MUSDC0%3.48%3.77%
Hyperlend-pooledHyperliquid L17.10MUSDC0%4.56%3.76%
Spark-savingsEthereum616.45MUSDT0%3.53%3.75%
Midas-rwaEthereum74.91MUSDC0%3.43%3.73%
Midas-rwaEtherlink1.22MUSDC0%3.43%3.73%
Yearn-financeEthereum1.12MUSDC0%3.44%3.73%
Venus-core-poolBSC8.41MUSDC0%3.72%3.72%
Centrifuge-protocolBase7.15MUSDC0%3.99%3.63%
Centrifuge-protocolPharos4.56MUSDC0%3.48%3.63%
Centrifuge-protocolBSC1.01MUSDC0%3.48%3.63%
Yearn-financeEthereum19.30MUSDC0%3.68%3.62%
Aave-v4Ethereum2.35MUSDT0%4.24%3.58%
ExactlyOP Mainnet1.62MUSDC0%4.14%3.58%
SparklendEthereum4.60MUSDC0%3.4%3.56%
Aave-v3Ethereum221.94MUSDT0%3.86%3.55%
Aave-v3Ethereum64.14MUSDT1.59%5.38%3.55%
Venus-core-poolBSC41.08MUSDT0%3.09%3.5%
Lista-lendingBSC2.89MUSDT0%3.8%3.48%
Jupiter-lendSolana18.27MUSDT0%3.78%3.43%
SparklendEthereum16.31MUSDT0%3.4%3.4%
Aave-v3Ethereum11.83MDAI0%3.19%3.36%
DolomiteEthereum28.93MUSDC4.13%7.32%3.33%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Benqi-lendingAvalanche1.10MUSDT0%3.45%3.27%
Yearn-financeEthereum5.74MUSDT0%3.27%3.27%
Compound-v3Ethereum18.40MUSDT0%3.08%3.2%
Aave-v3Arbitrum20.04MUSDC0%3.09%3.16%
Aave-v3Polygon10.35MUSDC0%3.04%3.13%
SaveSolana5.26MUSDC0%3.13%3.08%
Aave-v3BSC10.58MUSDT0%2.88%3.07%
Compound-v3Arbitrum2.35MUSDC0%2.97%3.03%
Aave-v3BSC2.27MUSDC0%3.36%3.03%
Aave-v3Ethereum1.41MUSDC0%3.27%2.98%
Yearn-financeEthereum7.28MDAI0%2.96%2.9%
SparklendEthereum75.12MDAI0%2.62%2.85%
Kamino-lendSolana1.72MUSDC0%2.23%2.83%
Aave-v3Avalanche5.72MUSDT0%4.16%2.78%
Compound-v3Arbitrum4.69MUSDT0%2.53%2.46%
CurrentSui1.03MUSDT3.41%7.21%2.3%
Lista-lendingBSC1.31MUSDT0%3.22%2.3%
Justlend-v1Tron86.02MUSDT0%2.11%2.19%
SaveSolana2.13MUSDT0%1.88%2.06%
Venus-fluxBSC1.51MUSDT0%2.82%1.93%
Lista-lendingEthereum4.35MUSDC6%6.87%1.9%
CurrentSui24.80MUSDC5.05%8.28%1.79%
Native-credit-poolEthereum1.14MUSDC0%4.87%1.28%
Lista-lendingEthereum3.84MUSDT4.21%5.76%1.18%
Native-credit-poolEthereum3.87MUSDT0%3.28%1.17%
ExactlyOP Mainnet1.62MUSDC0%1.05%1.03%
AcrossEthereum1.12MUSDT2.97%3.12%0.98%
Aave-v4Avalanche6.50MUSDC4.05%4.97%0.55%
TectonicCronos1.43MUSDC0.02%0.57%0.41%
AcrossEthereum1.03MUSDC4.67%4.6%0.29%
Aave-v4Avalanche6.32MUSDT5.94%6.54%0.24%
CredixSolana13.41MUSDC0%0.07%0.03%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum694.7M4.36%
Avalanche8290.6M4.14%
Base17161.3M7.02%
BSC14115.4M4.71%
Ethereum743.3B6.21%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon110.3M3.13%
Solana18573.8M9.21%
TON12.7M4.72%
zkSync Era000%