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 Apr 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
11/04/2026 16:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bracket-vaultsEthereum2.71MUSDC0%12.28%11.8%
BitwayBSC13.21MUSDT0%11.8%11%
AvantisBase62.05MUSDC0%9.32%10.53%
Spectra-metavaultsBase5.10MUSDC2.96%95.36%10.45%
AbyssSui1.90MUSDC0%8.6%10.25%
GoldfinchEthereum37.25MUSDC0%10.02%10.06%
AutofinanceArbitrum1.42MUSDC1.99%6.67%9.93%
Blend-pools-v2Stellar10.08MUSDC0%9.3%9.08%
SymbiosisTron1.24MUSDT0%5.99%8.67%
LoopscaleSolana1.21MUSDC1.24%8.23%7.74%
Gains-networkArbitrum8.93MUSDC0%6.49%7.36%
Zerobase-cedefiArbitrum7.94MUSDT2%9%7%
Zerobase-cedefiEthereum14.44MUSDT2%9%7%
SymbiosisEthereum1.28MUSDC0%5.59%6.9%
Zerobase-cedefiBSC1.18MUSDC2%8.9%6.76%
Zerobase-cedefiBSC23.85MUSDT2%9.36%6.76%
AccountableMonad2.13MUSDC3.54%9.61%6.31%
Project-0Solana1.38MUSDC0%3.9%6.29%
Euler-v2Monad1.79MUSDC0%0.94%6.21%
Wasabi-perpsSolana1.29MUSDC0%5.06%6.04%
AutofinanceEthereum8.85MUSDC0.65%5.33%5.8%
Harvest-financeBase2.02MUSDC0%6.02%5.57%
Extra-finance-leverage-farmingBase4.32MUSDC0%5.11%5.22%
LoopscaleSolana1.60MUSDC0%4.9%5.02%
DeltaprimeAvalanche1.19MUSDC0%5.44%4.87%
Scallop-lendSui1.64MUSDC0%4.6%4.83%
Woofi-earnArbitrum1.14MUSDC0%4.74%4.74%
Flux-financeEthereum1.59MUSDT0%4.56%4.66%
AutofinanceEthereum8.75MUSDC0%3.95%4.65%
AutofinanceBase6.79MUSDC2.89%6.16%4.64%
Yearn-financeEthereum1.67MUSDC0%4.99%4.55%
Hyperlend-pooledHyperliquid L113.15MUSDC0%3.96%4.55%
Yo-protocolEthereum11.05MUSDC12%14.01%4.46%
Yo-protocolBase27.74MUSDC12%14.14%4.46%
Lazy-summer-protocolEthereum4.53MUSDC0.49%4.02%4.46%
SparklendEthereum1.52MUSDC0%4.12%4.32%
DolomiteEthereum13.02MUSDC0%5.8%4.28%
Wasabi-perpsBase3.60MUSDC0%4.08%4.17%
Yearn-financeEthereum3.71MUSDC0%4.36%4.16%
Benqi-lendingAvalanche5.44MUSDC0%3.92%4.1%
ExactlyOptimism1.61MUSDC0%4.24%4.05%
ExactlyOptimism1.61MUSDC0%3.64%3.97%
Folks-finance-xchainPolygon1.68MUSDT0%3.61%3.94%
Yearn-financeEthereum8.78MDAI0%2.81%3.86%
LiqwidCardano1.11MUSDC0%3.42%3.86%
LiqwidCardano1.11MUSDC0%3.42%3.86%
Storm-tradeTon3.86MUSDT0%3.75%3.82%
Euler-v2Ethereum28.16MUSDC0%3.48%3.81%
Euler-v2Avalanche2.02MUSDC0%6.8%3.79%
Fluid-lendingEthereum127.06MUSDT1.56%4.77%3.79%
Flux-financeEthereum2.43MUSDC0%3.88%3.77%
Spark-savingsAvalanche67.50MUSDC0%3.75%3.75%
Spark-savingsEthereum406.65MUSDC0%3.75%3.75%
Navi-lendingSui12.56MUSDC0.5%4.43%3.75%
Folks-finance-lendingAlgorand1.97MUSDC0%3.43%3.72%
Benqi-lendingAvalanche2.31MUSDT0%4.58%3.7%
ExactlyOptimism1.61MUSDC0%3.15%3.7%
NeverlandMonad18.06MUSDC4.27%8.49%3.65%
MapleEthereum1.96BUSDT0%3.84%3.65%
Fluid-lendingArbitrum31.03MUSDC1.02%5.83%3.64%
ExactlyOptimism1.61MUSDC0%4%3.63%
ExactlyOptimism1.61MUSDC0%1.12%3.62%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum550.5M6.53%
Avalanche578.5M4.04%
Base7111.6M6.43%
BSC338.2M8.17%
Ethereum192.6B5.25%
Hyperliquid000%
Mantle000%
Optimism58.1M3.79%
Polygon11.7M3.94%
Solana45.5M6.27%
TON13.9M3.82%
zkSync Era000%