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 12 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
15/02/2026 18:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Euler-v2Avalanche2.95MUSDT0%31.01%31.01%
Bracket-vaultsEthereum3.30MUSDC0%14.87%14.11%
AvantisBase88.54MUSDC0%11.32%12.85%
Blend-pools-v2Stellar1.52MUSDC0.75%13.72%11.79%
Blend-pools-v2Stellar7.16MUSDC0%11.34%10.49%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
Ipor-fusionEthereum3.92MUSDT0%7.22%7.8%
Harvest-financeBase3.21MUSDC0%6.26%7.73%
Lazy-summer-protocolEthereum4.77MUSDC0.66%3.51%7.37%
Woofi-earnArbitrum1.20MUSDC0%7.1%7.04%
AutofinanceEthereum19.02MUSDC0.32%8.68%6.68%
Lazy-summer-protocolEthereum16.40MUSDC0.58%4.57%6.38%
DeltaprimeAvalanche1.36MUSDC0%6.63%5.92%
LoopscaleSolana3.55MUSDC0.76%7.68%5.85%
Euler-v2Avalanche1.19MUSDC0%5.82%5.82%
WasabiSolana1.73MUSDC0%7.84%5.73%
Yearn-financeEthereum1.42MUSDC0%5.53%5.43%
Euler-v2Avalanche1.73MUSDC0%8.07%5.41%
Euler-v2Avalanche7.45MUSDC0%5.44%5.41%
Harmonix-financeArbitrum1.18MUSDC0%5.37%5.39%
Hyperlend-pooledHyperliquid L114.23MUSDC0%5.91%5.34%
AutofinanceEthereum5.01MUSDC0%5.96%5.27%
Scallop-lendSui1.79MUSDC0%5.52%5.21%
Euler-v2Ethereum41.27MUSDC0%4.89%5.13%
SymbiosisTron1.66MUSDT0%4.88%5.06%
Yo-protocolBase29.52MUSDC14%14.99%5.02%
WasabiBase7.42MUSDC0%6.71%5.01%
Gains-networkArbitrum12.73MUSDC0%10.58%4.99%
NeverlandMonad3.40MUSDC6.44%13.43%4.9%
Silo-v2Avalanche1.56MUSDC0%8.08%4.81%
AbyssSui1.20MUSDC0%4.75%4.79%
AutofinanceBase17.99MUSDC1.6%7.28%4.71%
LoopscaleSolana1.54MUSDC1.77%7.82%4.69%
VesperEthereum2.56MUSDC0%4.6%4.63%
Flux-financeEthereum1.61MUSDT0%4.61%4.63%
Echelon-marketAptos8.56MUSDC0%4.84%4.58%
Yearn-financeEthereum7.33MUSDT0%4.61%4.54%
Extra-finance-leverage-farmingBase4.15MUSDC0%5.46%4.53%
LiqwidCardano2.65MUSDC1.58%11.49%4.45%
Gains-networkBase2.11MUSDC0%9.68%4.4%
ExactlyOptimism1.72MUSDC0%4.39%4.37%
AutofinanceArbitrum1.34MUSDC1.81%6.42%4.34%
DolomiteEthereum11.41MUSDC0%4.52%4.32%
ExactlyOptimism1.72MUSDC0%4.22%4.24%
ExactlyOptimism1.72MUSDC0%4.21%4.24%
Ipor-fusionBase1.70MUSDC0%7.02%4.21%
Flux-financeEthereum1.44MUSDC0%4.16%4.19%
Navi-lendingSui10.12MUSDC0.77%5.22%4.15%
Euler-v2Arbitrum1.12MUSDC0%6.39%4.15%
ExactlyOptimism1.72MUSDC0%3.75%4.14%
Yearn-financeEthereum7.57MUSDT0%4.32%4.11%
ExactlyOptimism1.72MUSDC0%4.05%4.1%
Euler-v2Ethereum33.35MUSDC0%4.65%4.05%
Harvest-financeBase1.06MUSDC0%4.64%4.05%
ExactlyOptimism1.72MUSDC0%3.98%4.03%
MapleEthereum1.35BUSDT0%4.59%4.03%
Spark-savingsEthereum228.55MUSDC0%4%4%
Spark-savingsAvalanche135.14MUSDC0%4%4%
Ipor-fusionBase1.06MUSDC0%4.44%3.95%
Ipor-fusionBase1.06MUSDC0%4.44%3.95%
Folks-finance-lendingAlgorand1.86MUSDC0%4.23%3.95%
ExactlyOptimism1.72MUSDC0%3.84%3.93%
ExactlyOptimism1.72MUSDC0%3.88%3.9%
ExactlyOptimism1.72MUSDC0%3%3.83%
Folks-finance-xchainPolygon2.38MUSDT0%4.82%3.8%
Yearn-financeEthereum33.27MUSDC0%4.63%3.78%
SparklendEthereum8.17MUSDC0%3.64%3.77%
Yearn-financeEthereum12.69MDAI0%4.47%3.74%
Yearn-financeEthereum1.11MUSDC0%4.28%3.74%
Euler-v2Arbitrum9.36MUSDC0%4.1%3.74%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum626.9M4.94%
Avalanche7151.4M8.91%
Base11157.8M5.49%
BSC000%
Ethereum221.8B5.53%
Hyperliquid000%
Mantle000%
Optimism915.5M4.09%
Polygon12.4M3.8%
Solana36.8M5.43%
TON000%
zkSync Era000%