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 20 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
24/02/2026 11:00:03

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%14.44%13.67%
AbyssSui1.56MUSDC0%8.71%13.4%
Gains-networkArbitrum11.52MUSDC0%10.89%11.45%
AvantisBase90.05MUSDC0%11.18%10.14%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
Blend-pools-v2Stellar8.74MUSDC0%11.11%9.93%
Ipor-fusionEthereum3.71MUSDT0%6.7%9.49%
Woofi-earnArbitrum1.20MUSDC0%7.1%7.06%
AutofinanceEthereum21.10MUSDC0.3%7.87%6.28%
Harvest-financeBase4.21MUSDC0%6.28%6.23%
Ipor-fusionBase1.70MUSDC0%6.11%6.13%
LoopscaleSolana2.18MUSDC1.2%7.21%6.07%
DeltaprimeAvalanche1.15MUSDC0%6.4%6.03%
Euler-v2Avalanche1.10MUSDC0%7.22%5.84%
Euler-v2Avalanche5.48MUSDC0%6.47%5.84%
Yo-protocolBase28.48MUSDC14%18.35%5.66%
Harmonix-financeArbitrum1.14MUSDC0%5.5%5.65%
WasabiBase6.60MUSDC0%6.13%5.65%
Hyperlend-pooledHyperliquid L115.42MUSDC0%6.14%5.53%
Scallop-lendSui1.41MUSDC0%5.28%5.52%
LiqwidCardano2.39MUSDC1.58%9.5%5.03%
Extra-finance-leverage-farmingBase3.96MUSDC0%4.97%4.91%
AutofinanceEthereum5.01MUSDC0%5.19%4.71%
Flux-financeEthereum1.62MUSDT0%4.62%4.62%
Gains-networkBase2.13MUSDC0%8.33%4.6%
AutofinanceArbitrum1.44MUSDC1.65%6.29%4.42%
AutofinanceBase17.86MUSDC1.54%6.8%4.42%
NeverlandMonad4.44MUSDC7.72%12.71%4.4%
Yearn-financeEthereum7.30MUSDT0%4.53%4.39%
Euler-v2Ethereum40.07MUSDC0%4.91%4.36%
MapleEthereum1.32BUSDT0%4.34%4.34%
Echelon-marketAptos8.74MUSDC0%4.88%4.33%
Folks-finance-lendingAlgorand1.56MUSDC0%4.13%4.26%
DolomiteEthereum12.56MUSDC0%4.62%4.25%
ExactlyOptimism1.68MUSDC0%4.23%4.25%
Flux-financeEthereum1.45MUSDC0%4.18%4.19%
ExactlyOptimism1.68MUSDC0%3.91%4.16%
Yearn-financeEthereum2.38MUSDC0%6.02%4.13%
ExactlyOptimism1.68MUSDC0%4.08%4.13%
Folks-finance-xchainAvalanche1.04MUSDC0%5.02%4.09%
Folks-finance-xchainAvalanche1.04MUSDC0%5.02%4.09%
ExactlyOptimism1.68MUSDC0%4.01%4.05%
WasabiSolana1.66MUSDC0%7.22%4.02%
Spark-savingsAvalanche151.98MUSDC0%4%4%
Spark-savingsEthereum238.14MUSDC0%4%4%
Benqi-lendingAvalanche2.19MUSDT0%3.65%4%
ExactlyOptimism1.68MUSDC0%3.89%3.95%
ExactlyOptimism1.68MUSDC0%4.18%3.95%
Yearn-financeEthereum1.11MUSDC0%4.15%3.84%
Folks-finance-xchainPolygon2.39MUSDT0%3.9%3.8%
Yearn-financeEthereum12.56MDAI0%4.33%3.8%
Navi-lendingSui11.30MUSDC0.58%4.96%3.79%
Silo-v2Avalanche1.89MUSDC0%8.05%3.75%
ExactlyOptimism1.68MUSDC0%3.11%3.72%
ExactlyOptimism1.68MUSDC0%3.82%3.66%
SymbiosisTron1.13MUSDT0%4.8%3.63%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum415.3M7.14%
Avalanche9168.8M7.63%
Base8155M5.97%
BSC000%
Ethereum151.7B5.74%
Hyperliquid000%
Mantle000%
Optimism813.4M3.98%
Polygon12.4M3.8%
Solana23.8M5.05%
TON000%
zkSync Era000%