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 3.60% on Feb 09 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
11/02/2026 17:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bracket-vaultsEthereum3.30MUSDC0%15.07%14.29%
AvantisBase88.19MUSDC0%11.36%12.41%
Blend-pools-v2Stellar1.49MUSDC0.69%13.95%11.77%
Blend-pools-v2Stellar7.52MUSDC0%11.64%10.14%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
Storm-tradeTon5.51MUSDT0%9.77%8.35%
SymbiosisEthereum1.27MUSDC0%6%7.82%
AutofinanceEthereum16.94MUSDC0.36%8.9%7.81%
Woofi-earnArbitrum1.20MUSDC0%7.09%7.04%
AcrossEthereum1.38MDAI0.35%7.48%6.93%
LiqwidCardano2.51MUSDC1.58%12.3%6.85%
DeltaprimeAvalanche1.28MUSDC0%6.67%6.82%
Gains-networkArbitrum12.95MUSDC0%10.61%6.81%
AccountableMonad1.12MUSDC3%15.01%6.79%
Yearn-financeEthereum1.36MUSDC0%5.31%6.59%
Gains-networkBase2.37MUSDC0%10.55%6.41%
SymbiosisTron1.58MUSDT0%4.76%6.27%
WasabiSolana1.72MUSDC0%8.53%6.04%
WasabiBase7.26MUSDC0%7.09%5.97%
Ipor-fusionEthereum3.90MUSDT0%7.66%5.84%
VesperEthereum2.40MUSDC0%4.52%5.82%
Silo-v2Avalanche1.34MUSDC0%8.41%5.67%
LoopscaleSolana4.33MUSDC0.66%8%5.56%
Yo-protocolBase29.19MUSDC28%13.19%5.44%
Echelon-marketAptos6.81MUSDC0%4.83%5.44%
Harmonix-financeArbitrum1.21MUSDC0%5.28%5.43%
Ipor-fusionBase1.83MUSDC0%7.26%5.31%
Harvest-financeBase2.86MUSDC0%6.11%5.27%
Euler-v2Ethereum39.90MUSDC0%4.8%5.24%
Scallop-lendSui1.79MUSDC0%5.58%5.21%
Hyperlend-pooledHyperliquid14.73MUSDC0%5.95%5.19%
AutofinanceBase17.98MUSDC1.73%7.5%5.11%
DolomiteEthereum8.73MUSDC0%4.53%4.79%
Flux-financeEthereum1.61MUSDT0%4.6%4.63%
Euler-v2Arbitrum1.06MUSDC0%6.68%4.38%
Euler-v2Arbitrum1.06MUSDC0%6.68%4.38%
ExactlyOptimism1.77MUSDC0%4.39%4.37%
Yearn-financeEthereum7.33MUSDT0%4.76%4.36%
ExactlyOptimism1.77MUSDC0%4.21%4.24%
ExactlyOptimism1.77MUSDC0%4.2%4.23%
Lazy-summer-protocolEthereum16.30MUSDC0.53%4.56%4.22%
Euler-v2Ethereum31.69MUSDC0%4.73%4.22%
Navi-lendingSui9.57MUSDC0.72%5.35%4.2%
Flux-financeEthereum1.44MUSDC0%4.16%4.19%
Yearn-financeEthereum7.57MUSDT0%4.47%4.14%
ExactlyOptimism1.77MUSDC0%3.62%4.13%
Yearn-financeEthereum33.21MUSDC0%4.67%4.1%
ExactlyOptimism1.77MUSDC0%4.03%4.1%
ExactlyOptimism1.77MUSDC0%3.96%4.03%
Spark-savingsEthereum177.55MUSDC0%4%4%
Spark-savingsAvalanche131.40MUSDC0%4%4%
MapleEthereum1.35BUSDT0%4.69%3.98%
Folks-finance-lendingAlgorand1.86MUSDC0%4.26%3.97%
ExactlyOptimism1.77MUSDC0%3.81%3.92%
ExactlyOptimism1.77MUSDC0%3.87%3.9%
Folks-finance-xchainPolygon2.28MUSDT0%5.7%3.89%
AutofinanceArbitrum1.34MUSDC2.01%6.49%3.87%
SparklendEthereum7.93MUSDC0%3.67%3.82%
ExactlyOptimism1.77MUSDC0%3.05%3.8%
Aave-v3Ethereum10.23MUSDC0%3.73%3.75%
Spark-savingsEthereum267.67MUSDT0%3.98%3.75%
Yearn-financeEthereum12.72MDAI0%4.55%3.69%
Extra-finance-leverage-farmingBase4.87MUSDC0.14%5.88%3.61%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum618.8M5.32%
Avalanche3134M5.5%
Base8154.6M6.19%
BSC000%
Ethereum232B5.56%
Hyperliquid114.7M5.19%
Mantle000%
Optimism915.9M4.08%
Polygon12.3M3.89%
Solana26.1M5.8%
TON15.5M8.35%
zkSync Era000%