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 04 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
06/02/2026 14:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Yearn-financeEthereum8.57MUSDC0%48.2%425.62%
Gains-networkArbitrum13.44MUSDC0%9.6%16.67%
Blend-pools-v2Stellar1.25MUSDC0.87%14.23%14.83%
Bracket-vaultsEthereum3.32MUSDC0%15.29%14.62%
Storm-tradeTon5.65MUSDT0%8.34%14.18%
WasabiSolana1.56MUSDC0%8.83%14.01%
FranciumSolana2.44MUSDC0%13.15%13.15%
AvantisBase88.69MUSDC0%11.27%11.09%
Blend-pools-v2Stellar6.73MUSDC0%12.29%10.62%
AcrossEthereum1.43MDAI0.35%6.32%10.31%
Gains-networkBase2.39MUSDC0%11.08%10.15%
GoldfinchEthereum37.74MUSDC0%10.01%10.01%
LiqwidCardano2.12MUSDC1.58%12.68%8.86%
SymbiosisEthereum1.09MUSDC0%5.16%8.29%
Hyperlend-pooledHyperliquid6.26MUSDC0%5.85%7.45%
Woofi-earnArbitrum1.17MUSDC0%7.1%7.17%
AutofinanceEthereum18.84MUSDC0.42%8.8%7.08%
Ipor-fusionBase1.84MUSDC0%7.57%6.43%
Yo-protocolBase26.98MUSDC14%10.42%6.16%
SymbiosisTron1.92MUSDT0%4.23%5.75%
Harmonix-financeArbitrum1.27MUSDC0%5.13%5.71%
LoopscaleSolana4.68MUSDC0.65%8.63%5.68%
Echelon-marketAptos7.82MUSDC0%4.79%5.62%
Scallop-lendSui1.61MUSDC0%5.71%5.48%
Euler-v2Ethereum37.24MUSDC0%4.66%5.41%
LoopscaleSolana10.17MUSDC0%6.1%5.35%
AutofinanceBase19.79MUSDC1.65%7.7%5.29%
Takara-lendSei1.06MUSDC3.5%8.33%5.18%
Takara-lendSei1.06MUSDC3.5%8.33%5.18%
WasabiBase8.41MUSDC0%7.27%5.07%
Harvest-financeBase2.94MUSDC0%6.37%5.07%
DeltaprimeAvalanche1.50MUSDC0%6.83%5.04%
Euler-v2Ethereum24.09MUSDC0%4.73%4.87%
VesperEthereum2.40MUSDC0%4.35%4.75%
Harvest-financeEthereum1.07MUSDC0%4.94%4.65%
Flux-financeEthereum1.61MUSDT0%4.6%4.63%
Yearn-financeEthereum7.37MUSDT0%4.73%4.59%
ExactlyOptimism1.82MUSDC0%4.4%4.38%
MapleEthereum1.63BUSDT0%4.77%4.38%
ExactlyOptimism1.82MUSDC0%4.2%4.23%
ExactlyOptimism1.82MUSDC0%4.19%4.22%
Flux-financeEthereum1.42MUSDC0%4.14%4.2%
Yearn-financeEthereum7.60MUSDT0%4.43%4.18%
AutofinanceEthereum5MUSDC0%6.86%4.13%
AutofinanceArbitrum1.30MUSDC2.18%6.86%4.12%
ExactlyOptimism1.82MUSDC0%4.01%4.07%
DolomiteEthereum14.53MUSDC0%3.78%4.03%
Spark-savingsEthereum157.21MUSDC0%4%4%
Spark-savingsEthereum195.54MUSDT0%4%4%
Spark-savingsAvalanche96.29MUSDC0%4%4%
Extra-finance-leverage-farmingBase5.02MUSDC0.12%6.36%4%
ExactlyOptimism1.82MUSDC0%3.94%3.99%
Silo-v2Ethereum1.13MUSDC0%4.3%3.98%
Folks-finance-xchainPolygon2.22MUSDT0%6.05%3.94%
ExactlyOptimism1.82MUSDC0%3.85%3.89%
ExactlyOptimism1.82MUSDC0%3.78%3.87%
Folks-finance-xchainAvalanche1.20MUSDC0%6.16%3.82%
ExactlyOptimism1.82MUSDC0%3.56%3.8%
Kamino-lendSolana20.32MUSDC0%3.03%3.78%
Aave-v3Base55.38MUSDC0%3.78%3.74%
NeverlandMonad2.67MUSDC9.01%15.03%3.73%
Folks-finance-lendingAlgorand2.15MUSDC0%4.36%3.66%
Yearn-financeEthereum33.34MUSDC0%4.74%3.65%
Benqi-lendingAvalanche7.99MUSDC0%4.78%3.65%
Ipor-fusionBase1.10MUSDC0%4.89%3.62%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum417.2M8.42%
Avalanche4107M4.12%
Base10212.5M6.06%
BSC000%
Ethereum212.2B25.78%
Hyperliquid16.3M7.45%
Mantle000%
Optimism814.5M4.06%
Polygon12.2M3.94%
Solana539.2M8.39%
TON15.7M14.18%
zkSync Era000%