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 3.52% on Jan 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
13/01/2026 04:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum4.81MUSDC0%39.91%35.98%
Hatom-lendingMultiversX1.27MUSDC0.33%20.04%18.74%
Bracket-vaultsEthereum7.99MUSDC0%16.41%15.5%
Blend-pools-v2Stellar1.21MUSDC0.83%15.19%14.57%
AvantisBase100.04MUSDC0%10.24%13.34%
Blend-pools-v2Stellar5.25MUSDC0%13.21%13.2%
FranciumSolana2.44MUSDC0%13.15%13.15%
WasabiSolana2.22MUSDC0%10.81%12.68%
Ipor-fusionEthereum5.01MUSDT0%6.04%11.31%
LiqwidCardano2.36MUSDC1.58%11.31%10.48%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
AccountableMonad1.08MUSDC9.48%19.03%8.59%
LoopscaleSolana2.35MUSDC0.92%10.06%8.42%
WasabiBase10.31MUSDC0%9.06%7.88%
Gains-networkBase1.33MUSDC0%6.71%7.85%
AutofinanceEthereum7.44MUSDC1.19%7.59%7.77%
Ipor-fusionBase2.08MUSDC0%7.52%7.37%
Extra-finance-leverage-farmingBase5.55MUSDC0.07%7.03%7.11%
Woofi-earnArbitrum1.20MUSDC0%7.66%7.07%
Harvest-financeBase3.48MUSDC0%7.08%7%
DeltaprimeAvalanche1.87MUSDC0%7.25%6.81%
Yo-protocolBase28.88MUSDC0%7.01%6.79%
Harvest-financeEthereum1.07MUSDC0%5.15%6.29%
Harvest-financeEthereum1.07MUSDC0%5.15%6.29%
LoopscaleSolana11.94MUSDC0%6.95%6.25%
Scallop-lendSui1.56MUSDC0%5.74%6.15%
Euler-v2Avalanche3.32MUSDC0%8.77%6.1%
NeverlandMonad1.43MUSDC14.5%19.44%5.95%
SaveSolana6.70MUSDC0%5.83%5.77%
Harvest-financeBase1.66MUSDC0%5.43%5.73%
Hyperlend-pooledHyperliquid8.65MUSDC0%5.31%5.7%
AutofinanceBase24.38MUSDC2.26%8.68%5.69%
Harvest-financeBase1.73MUSDC0%5.37%5.67%
Ipor-fusionBase1.73MUSDC0%5.2%5.49%
SaveSolana1.62MUSDT0%5.67%5.4%
Benqi-lendingAvalanche4.14MUSDC0%4.55%5.32%
Echelon-marketAptos12.14MUSDC0%4.79%5.3%
DeltaprimeArbitrum1.23MUSDC0%8.42%5.04%
DolomiteArbitrum2.51MUSDC0%4.63%5.01%
VesperEthereum2.42MUSDC0%3.87%4.89%
Moonwell-lendingBase5.89MUSDC0.88%5.46%4.88%
Yearn-financeEthereum9.28MUSDC0%4.77%4.87%
Harmonix-financeArbitrum1.66MUSDC0%5.44%4.85%
Yearn-financeEthereum7.75MUSDT0%4.52%4.78%
Yearn-financeBase2.31MUSDC0%5.41%4.64%
Gains-networkArbitrum14.27MUSDC0%11.13%4.62%
Flux-financeEthereum1.63MUSDT0%4.6%4.61%
Euler-v2Ethereum22.61MUSDC0%4.92%4.6%
Navi-lendingSui16.43MUSDC1.25%5.2%4.59%
MapleEthereum1.57BUSDT0%5.44%4.57%
Euler-v2Ethereum31.42MUSDC0%4.51%4.53%
Yearn-financeEthereum33.38MUSDC0%4.47%4.52%
Yearn-financeEthereum8MUSDT0%4.24%4.5%
ExactlyOptimism1.80MUSDC0%4.44%4.41%
SparklendEthereum4.99MUSDC0%3.94%4.38%
ExactlyOptimism1.80MUSDC0%4.43%4.36%
Benqi-lendingAvalanche2.40MUSDT0%4.28%4.28%
ExactlyOptimism1.80MUSDC0%4.52%4.25%
Folks-finance-lendingAlgorand1.96MUSDC0%4.18%4.2%
AutofinanceArbitrum3.51MUSDC1.68%9.05%4.2%
ExactlyOptimism1.80MUSDC0%4.18%4.19%
ExactlyOptimism1.80MUSDC0%4.16%4.18%
Flux-financeEthereum1.58MUSDC0%4.13%4.13%
ExactlyOptimism1.80MUSDC0%4.2%4.12%
Euler-v2Ethereum1.98MUSDC0%3.35%4.03%
Aave-v3Avalanche13.08MUSDC0%3.46%4.01%
Spark-savingsAvalanche208.04MUSDC0%4%4%
Spark-savingsEthereum200.62MUSDT0%4%4%
Spark-savingsEthereum189.29MUSDC0%4%4%
ExactlyOptimism1.80MUSDC0%3.94%3.98%
GearboxMonad3.99MUSDC4.07%8.75%3.94%
ExactlyOptimism1.80MUSDC0%3.85%3.9%
ExactlyOptimism1.80MUSDC0%3.78%3.82%
Aave-v3Linea1.33MUSDC0%3.02%3.79%
Echelon-marketAptos2.59MUSDT0%3.27%3.77%
ExactlyOptimism1.80MUSDC0%3.39%3.71%
Aave-v3Base93.10MUSDC0%3.64%3.71%
Aave-v3Polygon1.60MDAI0%3.38%3.59%
Fluid-lendingEthereum1.39MUSDC0%3.63%3.54%
Fluid-lendingEthereum299.37MUSDC1.23%4.78%3.54%
Aave-v3Ethereum669.23MUSDC0%3.31%3.54%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum624.4M5.13%
Avalanche6232.8M5.09%
Base14282.4M6.65%
BSC000%
Ethereum243.1B6.92%
Hyperliquid18.7M5.7%
Mantle000%
Optimism1018M4.09%
Polygon11.6M3.59%
Solana627.3M8.61%
TON000%
zkSync Era000%