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 3.58% on Dec 11 2025). 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
13/12/2025 17:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum4.19MUSDC0%43.08%43.6%
KiloexBase1.10MUSDC0%30.68%27.5%
Bracket-vaultsEthereum8.66MUSDC0%18.5%17.66%
Blend-pools-v2Stellar1.04MUSDC0.81%16.18%14.82%
FranciumSolana2.44MUSDC0%13.15%13.15%
Ipor-fusionEthereum1.27MUSDC0%10.85%11.6%
Gains-networkArbitrum14.91MUSDC0%10.56%10.53%
WasabiBase10.32MUSDC0%10.92%10.4%
Blend-pools-v2Stellar4.85MUSDC0%13.76%10.35%
AvantisBase101.60MUSDC0%15.3%10.26%
GoldfinchEthereum37.75MUSDC0%9.54%10.01%
LoopscaleSolana5.15MUSDC0%9.49%8.87%
DeltaprimeArbitrum1.30MUSDC0%10.28%8.58%
DeltaprimeAvalanche2.22MUSDC0%8.08%8.29%
WasabiSolana1.16MUSDC0%11.3%8.19%
Ipor-fusionBase1.94MUSDC0%10.1%8.06%
LiqwidCardano3.02MUSDC1.56%10.03%8.06%
Silo-v2Avalanche1.91MUSDC0%8.19%7.43%
Harvest-financeBase3.40MUSDC0%10.04%7.37%
Extra-finance-leverage-farmingBase5.64MUSDC0.63%8.06%7.27%
AutofinanceArbitrum2.12MUSDC2.45%10.5%7.26%
Harmonix-financeArbitrum3.93MUSDC0%8.74%7.24%
AcrossEthereum1.58MDAI0.86%9.08%7.22%
Yo-protocolBase28.89MUSDC0%8.7%7.18%
AutofinanceBase24.72MUSDC2.87%10.41%6.83%
Gains-networkBase1.52MUSDC0%8.44%6.81%
Hyperlend-pooledHyperliquid4.48MUSDC0%5.82%6.52%
Euler-v2Avalanche3.86MUSDC0%7.17%6.33%
Scallop-lendSui1.60MUSDC0%5.86%6.2%
SaveSolana5.25MUSDC0%6.69%6.1%
AutofinanceEthereum7.99MUSDC1.58%7.8%6.1%
Euler-v2Ethereum1.70MUSDC0%6.84%5.99%
Euler-v2Arbitrum2.28MUSDC0%6.32%5.98%
Euler-v2Arbitrum1.32MUSDC0%4.61%5.94%
Harvest-financeBase1.86MUSDC0%6.61%5.9%
Ipor-fusionBase1.85MUSDC0%6.38%5.78%
Harvest-financeBase1.73MUSDC0%4.9%5.68%
TermmaxEthereum3.11MUSDC0%7.82%5.59%
Harvest-financeEthereum1.09MUSDC0%5.71%5.36%
Yearn-financeEthereum21.02MUSDC0%5.5%5.22%
Yearn-financeEthereum7.62MUSDT0%5.55%5.09%
Takara-lendSei1.40MUSDC6.79%11.29%5.08%
MapleEthereum1.56BUSDT0.89%6.28%4.99%
Benqi-lendingAvalanche1.51MUSDT0%5.27%4.97%
Echelon-marketAptos17.11MUSDC0%6.22%4.88%
Yearn-financeBase2.37MUSDC0%5.37%4.86%
Yearn-financeEthereum7.83MUSDT0%5.25%4.81%
ExactlyOptimism1.21MUSDC0%4.82%4.77%
Moonwell-lendingBase6.39MUSDC0.98%6.2%4.75%
Yearn-financeEthereum1.10MUSDC0%5.42%4.71%
Yearn-financeEthereum33.53MUSDC0%5.55%4.66%
Folks-finance-lendingAlgorand1.65MUSDC0%5.05%4.63%
Flux-financeEthereum1.65MUSDT0%4.65%4.59%
Fluid-lendingPolygon2.94MUSDC0%5.3%4.57%
DolomiteArbitrum4MUSDC0%4.4%4.56%
ExactlyOptimism1.21MUSDC0%4.66%4.53%
Euler-v2Ethereum26.81MUSDC0%4.73%4.52%
Yearn-financeEthereum14.64MDAI0%5.29%4.49%
ExactlyOptimism1.21MUSDC0%4.53%4.48%
Mars-lendNeutron1.03MUSDC0%5.07%4.44%
Mars-lendNeutron1.03MUSDC0%5.07%4.44%
ExactlyOptimism1.21MUSDC0%4.69%4.4%
ExactlyOptimism1.21MUSDC0%4.48%4.26%
Yearn-financeEthereum11.28MDAI0%3.59%4.21%
SparklendEthereum6.98MUSDC0%3.64%4.18%
ExactlyOptimism1.21MUSDC0%4.15%4.16%
ExactlyOptimism1.21MUSDC0%4.14%4.15%
Yearn-financeEthereum7.13MUSDC0%3.48%4.14%
Flux-financeEthereum1.60MUSDC0%4.58%4.12%
Benqi-lendingAvalanche9.17MUSDC0%4.47%4.02%
Hatom-lendingMultiversX1.31MUSDC0.93%4.89%3.96%
Echelon-marketAptos2.75MUSDT0%5.05%3.9%
ExactlyOptimism1.21MUSDC0%3.85%3.9%
SparklendEthereum47.85MUSDT0%3.14%3.89%
Aave-v3Ethereum843.75MUSDT0%3.61%3.89%
Yearn-financeEthereum1.23MUSDC0%5.58%3.82%
ExactlyOptimism1.21MUSDC0%2.98%3.81%
Fluid-lendingEthereum1.16MUSDC0%4.02%3.79%
Fluid-lendingEthereum270.91MUSDC1.42%5.45%3.79%
Kamino-lendSolana86.02MUSDC0%4.12%3.79%
LoopscaleSolana1.72MUSDC8.19%9.8%3.78%
ExactlyOptimism1.21MUSDC0%3.69%3.73%
Yearn-financeEthereum4.71MUSDT0%3.06%3.7%
Navi-lendingSui22.86MUSDC1.1%6.33%3.62%
Compound-v3Arbitrum1.86MUSDT0.87%3.27%3.6%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum831.7M6.71%
Avalanche518.7M6.21%
Base14193.3M8.47%
BSC000%
Ethereum282.9B6.99%
Mantle000%
Optimism1012.1M4.22%
Polygon12.9M4.57%
Solana6101.7M7.31%
TON000%
zkSync Era000%