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 3.70% on Jul 29 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
31/07/2026 19:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AzuroPolygon1.42MUSDT0%7.64%44.78%
AccountableMonad7.58MUSDC1%32.71%26.75%
AccountableMonad99.88MUSDC0.29%15.43%17.6%
AccountableEthereum3.61MUSDC11.26%18.53%14.05%
Ember-protocolSui1.21MUSDC0%9.41%14.03%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum7.66MUSDC0%12.88%12.9%
AccountableEthereum2.23MUSDC0%11.07%11.59%
Harvest-financeBase1.87MUSDC0%12.67%11.24%
Pareto-creditEthereum15.29MUSDC0%10.59%10.58%
AvantisBase21.15MUSDC0%9.08%10.33%
GoldfinchEthereum35.95MUSDC0%10.11%10.21%
Midas-rwaEthereum70.89MUSDC0%10.86%10.19%
Midas-rwaEthereum8MUSDC0%9.26%10.01%
Ember-protocolEthereum5.60MUSDC0%5.22%9.97%
YieldseekerBase2.04MUSDC0%8.59%9.88%
Hyperlend-pooledHyperliquid L19.46MUSDC0%7.38%9.77%
Ember-protocolEthereum3.25MUSDC0%9.3%9.54%
Nawa-protocolZIGChain3.81MUSDC0%5.08%9.47%
Pareto-creditEthereum2.14MUSDC0%9.38%9.38%
Ember-protocolSui5.73MUSDC0%8.98%9.31%
Bracket-vaultsEthereum2.59MUSDC0%9.4%9.3%
Ember-protocolSui1.07MUSDC0%9.79%8.89%
Ember-protocolSui1.07MUSDC0%9.79%8.89%
Lista-lendingBSC1.85MUSDT0.28%6.53%8.83%
Midas-rwaEthereum7.28MUSDC0%5.14%8.74%
Midas-rwaEtherlink1.12MUSDC0%5.16%8.74%
Midas-rwaEthereum37.38MUSDC0%10.44%8.72%
Euler-v2Monad1.59MUSDC2.64%8.33%8.67%
Ember-protocolSui1.31MUSDC0%8.12%8.49%
Pareto-creditEthereum178.98MUSDC0%8.31%8.31%
Midas-rwaEthereum6.67MUSDC0%7.82%8.16%
Midas-rwaEthereum2.50MUSDC0%7.81%8.16%
Bitway-earnBSC23.47MUSDT0%8%8%
Ember-protocolSui8.04MUSDC4%12%8%
AccountableMonad10.07MUSDC0.5%9.77%7.67%
AccountableMonad1.97MUSDC0.45%7.48%7.52%
Yearn-financeEthereum6.18MUSDC0%6.9%7.22%
Midas-rwaEthereum1.73MUSDC0%10.16%7.18%
Pareto-creditEthereum21.87MUSDC0%7.13%7.13%
Extra-finance-leverage-farmingBase3.30MUSDC0%6.56%7.07%
Harvest-financeEthereum1.15MUSDC0%6.32%7.04%
Blend-pools-v2Stellar12.89MUSDC0%7.45%7.02%
Harmonix-financeHyperliquid L118.14MUSDC0%8.21%7.02%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
Kamino-lendSolana3.34MUSDC0%6.75%6.99%
Zerobase-cedefiBSC20.51MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.03MUSDC2%8.76%6.76%
Ember-protocolEthereum16.94MUSDC0%6.92%6.75%
LoopscaleSolana3.10MUSDC0.24%7.32%6.59%
Ember-protocolSui1.19MUSDC4.61%11.87%6.51%
Yearn-financeEthereum9.24MUSDC0%5.97%6.48%
Yearn-financeEthereum1.18MUSDC0%5.37%6.46%
AutofinanceBase5.28MUSDC2.43%7.65%6.13%
Storm-tradeTON3.50MUSDT0%5.8%5.69%
AutofinanceEthereum8.52MUSDC0.44%6.66%5.4%
Midas-rwaEtherlink4.78MUSDC0%7.9%5.39%
Euler-v2Ethereum6.59MUSDC0%3.92%5.34%
Navi-lendingSui5.98MUSDC0.42%5.63%5.25%
Fluid-lendingBase8.86MUSDC0%5.42%5.18%
Gains-networkArbitrum6.31MUSDC0%6.02%5.15%
Fusion-by-iporEthereum2.30MUSDC0%5.88%5.15%
Yearn-financeBase1.75MUSDC0%4.98%4.91%
Jupiter-lendSolana418.12MUSDC0.72%4.68%4.87%
Fluid-lendingEthereum152.18MUSDC0%5.43%4.84%
Fluid-lendingEthereum9.04MUSDC0%5.4%4.84%
Centrifuge-protocolAvalanche260.68MUSDC0%4.15%4.8%
Centrifuge-protocolBase50.27MUSDC0%4.15%4.8%
SymbiosisTron1.32MUSDT0%6.03%4.66%
LoopscaleSolana2.02MUSDC0%5.7%4.62%
Fluid-lendingEthereum129.70MUSDT0%4.76%4.58%
SymbiosisEthereum1.29MUSDC0%4.74%4.57%
DolomiteArbitrum1.37MUSDC0%4.7%4.54%
Fluid-lendingArbitrum38.07MUSDC0%5.44%4.54%
Alchemix-v3Ethereum7.72MUSDC0%4.46%4.52%
TermmaxBase1.20MUSDC0%3.93%4.52%
Centrifuge-protocolMonad4.53MUSDC0%3.96%4.5%
Centrifuge-protocolPharos4.38MUSDC0%3.42%4.5%
Flux-financeEthereum2.05MUSDT0%4.43%4.41%
ExactlyOP Mainnet1.55MUSDC0%4.28%4.34%
MapleEthereum0.91BUSDT0%4.17%4.28%
ExactlyOP Mainnet1.55MUSDC0%4.23%4.27%
Midas-rwaEthereum55.02MUSDC0%3.01%4.25%
Midas-rwaEtherlink1.22MUSDC0%3.01%4.25%
ExactlyOP Mainnet1.55MUSDC0%4.13%4.21%
Benqi-lendingAvalanche3.87MUSDC0%3.84%4.21%
Kamino-lendSolana7.33MUSDC0%4.68%4.21%
ExactlyOP Mainnet1.55MUSDC0%4.14%4.18%
Aave-v3Ethereum8.49MDAI0%3.73%4.17%
Yo-protocolBase9.94MUSDC0%4.16%4.17%
Yo-protocolEthereum2.28MUSDC0%4.16%4.17%
ExactlyOP Mainnet1.55MUSDC0%3.99%4.13%
Aave-v3Avalanche5.23MUSDC0%3.55%4.12%
Lista-lendingBSC6.13MUSDT0%4.9%4.11%
ExactlyOP Mainnet1.55MUSDC0%4.03%4.08%
Kamino-lendSolana13.21MUSDC0%4.23%4.05%
ExactlyOP Mainnet1.55MUSDC0%4.2%4.03%
Moonwell-lendingBase2.30MUSDC0.3%4.55%4%
Centrifuge-protocolEthereum5.74MUSDC0%4.15%4%
Centrifuge-protocolBase1.54MUSDC0%4.16%4%
ExactlyOP Mainnet1.55MUSDC0%3.94%3.95%
ExactlyOP Mainnet1.55MUSDC0%2.98%3.94%
Kamino-lendSolana1.22MUSDT0%3.72%3.83%
TermmaxEthereum4.40MUSDC0%3.63%3.78%
Midas-rwaEthereum4.55MUSDC0%6.39%3.78%
AmpleBase4.32MUSDC0%4.21%3.76%
Flux-financeEthereum2.59MUSDC0%3.72%3.72%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum453.4M5.31%
Avalanche3269.8M4.38%
Base13113.8M6.15%
BSC554M6.89%
Ethereum411.8B7.09%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.4M44.78%
Solana7448.3M5.02%
TON13.5M5.69%
zkSync Era000%