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 3.61% on Feb 18 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
20/02/2026 08:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Euler-v2Avalanche2.95MUSDT0%31.01%31.01%
Bracket-vaultsEthereum3.28MUSDC0%14.64%13.88%
Blend-pools-v2Stellar1.40MUSDC0.72%13.74%13.34%
Euler-v2Avalanche5.39MUSDC0%6.89%12.09%
AvantisBase89.81MUSDC0%11.31%11.3%
Blend-pools-v2Stellar6.89MUSDC0%11.11%10.73%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
AbyssSui1.19MUSDC0%5.88%8.84%
Ipor-fusionEthereum3.91MUSDT0%6.89%7.38%
Woofi-earnArbitrum1.20MUSDC0%7.11%7.05%
DeltaprimeAvalanche1.31MUSDC0%6.47%6.46%
AutofinanceEthereum19.74MUSDC0.33%8.21%6.39%
LoopscaleSolana1.49MUSDC1.25%7.41%6.28%
Harvest-financeBase4.19MUSDC0%6.44%6.23%
Hyperlend-pooledHyperliquid L113.27MUSDC0%6.03%5.95%
Euler-v2Avalanche1.19MUSDC0%5.83%5.83%
Ipor-fusionBase1.70MUSDC0%6.63%5.52%
Yo-protocolBase29MUSDC14%16.81%5.42%
Gains-networkArbitrum11.43MUSDC0%10.42%5.39%
Harmonix-financeArbitrum1.15MUSDC0%5.49%5.38%
WasabiBase6.49MUSDC0%6.36%5.34%
WasabiSolana1.69MUSDC0%7.63%5.23%
Yearn-financeEthereum3.97MUSDC0%5.82%5.19%
LoopscaleSolana1.12MUSDC2.29%7.48%5.16%
Scallop-lendSui1.78MUSDC0%5.42%4.93%
Gains-networkBase2.07MUSDC0%8.57%4.93%
Echelon-marketAptos7.62MUSDC0%4.87%4.89%
Extra-finance-leverage-farmingBase3.99MUSDC0%5.14%4.87%
AutofinanceArbitrum1.34MUSDC1.81%6.33%4.85%
Flux-financeEthereum1.62MUSDT0%4.61%4.62%
LiqwidCardano2.57MUSDC1.58%10.54%4.62%
AutofinanceBase17.90MUSDC1.61%7.01%4.6%
Yearn-financeEthereum7.31MUSDT0%4.58%4.56%
NeverlandMonad4.69MUSDC7.16%12.82%4.52%
Euler-v2Ethereum40.09MUSDC0%4.93%4.36%
SymbiosisTron1.46MUSDT0%4.85%4.35%
Navi-lendingSui9.15MUSDC0.65%5.08%4.27%
ExactlyOptimism1.68MUSDC0%4.22%4.24%
MapleEthereum1.36BUSDT0%4.45%4.22%
DolomiteEthereum12.69MUSDC0%4.56%4.22%
Flux-financeEthereum1.45MUSDC0%4.17%4.19%
ExactlyOptimism1.68MUSDC0%3.84%4.15%
ExactlyOptimism1.68MUSDC0%4.06%4.12%
ExactlyOptimism1.68MUSDC0%4.21%4.06%
ExactlyOptimism1.68MUSDC0%4%4.04%
ExactlyOptimism1.68MUSDC0%4.35%4.01%
Spark-savingsEthereum228.22MUSDC0%4%4%
Spark-savingsAvalanche146.92MUSDC0%4%4%
Folks-finance-lendingAlgorand1.81MUSDC0%4.17%3.99%
Yearn-financeEthereum1.11MUSDC0%4.21%3.99%
Yearn-financeEthereum1.11MUSDC0%4.21%3.99%
ExactlyOptimism1.68MUSDC0%3.87%3.94%
Yearn-financeEthereum12.59MDAI0%4.39%3.85%
Euler-v2Arbitrum8.13MUSDC0%3.62%3.81%
Benqi-lendingAvalanche2.61MUSDT0%3.73%3.7%
ExactlyOptimism1.68MUSDC0%3.06%3.7%
Folks-finance-xchainPolygon2.50MUSDT0%3.93%3.69%
Yearn-financeEthereum7.30MUSDT0%4.19%3.69%
ExactlyOptimism1.68MUSDC0%3.85%3.63%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum523.2M5.3%
Avalanche6160.4M10.52%
Base8155.2M6.03%
BSC000%
Ethereum161.7B5.53%
Hyperliquid000%
Mantle000%
Optimism915.1M3.99%
Polygon12.5M3.69%
Solana34.3M5.56%
TON000%
zkSync Era000%