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 3.69% on Jul 30 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
03/08/2026 22:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AzuroPolygon1.36MUSDT0%12.26%53.47%
AccountableMonad7.60MUSDC1.04%32.54%24.17%
AccountableEthereum3.77MUSDC10.79%20.1%18.13%
Ember-protocolSui1.21MUSDC0%10.29%16.62%
AccountableMonad100.03MUSDC0.3%16.02%16%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum7.22MUSDC0%12.84%12.9%
AvantisBase21.11MUSDC0%9.15%11.93%
AccountableEthereum2.23MUSDC0%10.9%11.54%
Harvest-financeBase1.87MUSDC0%12.51%11.23%
Ember-protocolEthereum5.91MUSDC0%6.19%11.17%
Nawa-protocolZIGChain3.81MUSDC0%8.34%10.93%
Pareto-creditEthereum15.29MUSDC0%10.59%10.58%
Ember-protocolSui1.31MUSDC0%8.42%10.57%
Ember-protocolSui1.07MUSDC0%9.93%10.25%
GoldfinchEthereum35.95MUSDC0%10.12%10.21%
Midas-rwaEthereum71.57MUSDC0%10.46%10.19%
YieldseekerBase1.98MUSDC0%8.72%10.05%
AccountableMonad1.03MUSDC0%10.37%10%
AccountableMonad1.03MUSDC0%10.37%10%
Ember-protocolEthereum3.27MUSDC0%9.33%9.75%
Pareto-creditEthereum2.14MUSDC0%9.38%9.38%
Ember-protocolSui5.79MUSDC0%9.03%9.31%
Bracket-vaultsEthereum2.59MUSDC0%9.38%9.3%
Midas-rwaEthereum8.01MUSDC0%9.35%8.79%
Midas-rwaEthereum6.39MUSDC0%5.68%8.74%
Midas-rwaEtherlink1.12MUSDC0%5.7%8.74%
Midas-rwaEthereum37.45MUSDC0%10.25%8.72%
Euler-v2Monad1.60MUSDC2.64%8.71%8.48%
Midas-rwaEthereum6.67MUSDC0%7.84%8.16%
Midas-rwaEthereum2.50MUSDC0%7.84%8.16%
Pareto-creditEthereum170.97MUSDC0%8.31%8.02%
Bitway-earnBSC23.97MUSDT0%8%8%
Ember-protocolSui8.35MUSDC4%12%8%
AccountableMonad10.07MUSDC0.5%9.61%7.67%
AccountableMonad1.59MUSDC0.5%7.56%7.52%
Harvest-financeEthereum1.15MUSDC0%6.38%7.3%
Midas-rwaEthereum1.73MUSDC0%9.85%7.18%
Pareto-creditEthereum21.86MUSDC0%7.13%7.13%
Extra-finance-leverage-farmingBase3.31MUSDC0%6.65%7.04%
Blend-pools-v2Stellar12.74MUSDC0%7.5%7.03%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
Yearn-financeEthereum6.19MUSDC0%6.98%6.88%
Zerobase-cedefiBSC20.49MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.03MUSDC2%8.76%6.76%
LoopscaleSolana2.40MUSDC0.24%7.21%6.65%
Harmonix-financeHyperliquid L118.53MUSDC0%7.97%6.48%
Yearn-financeEthereum1.19MUSDC0%5.58%6.46%
Ember-protocolEthereum17.05MUSDC0%6.81%6.45%
Ember-protocolSui5.68MUSDC0%6.21%6.09%
Kamino-lendSolana5.51MUSDC0%6.76%5.94%
Hyperlend-pooledHyperliquid L113.41MUSDC0%7.47%5.78%
Yearn-financeEthereum8.95MUSDC0%5.95%5.69%
Storm-tradeTON3.47MUSDT0%5.76%5.66%
AutofinanceBase4.98MUSDC2.53%7.8%5.58%
Fusion-by-iporEthereum2.10MUSDC0%5.87%5.57%
Fluid-lendingBase9.17MUSDC0%5.34%5.48%
AutofinanceEthereum8.53MUSDC0.41%6.59%5.44%
Midas-rwaEtherlink4.78MUSDC0%7.95%5.39%
Ember-protocolSui1.19MUSDC5.81%11.9%5.28%
Navi-lendingSui7.01MUSDC0.41%5.59%4.96%
Yearn-financeBase1.73MUSDC0%4.97%4.91%
Lista-lendingBSC2MUSDT0.13%6.51%4.89%
SparklendEthereum15.63MUSDT0%3.77%4.77%
Euler-v2Ethereum6.80MUSDC0%4.12%4.67%
Fluid-lendingEthereum152.02MUSDC0%5.32%4.66%
Fluid-lendingEthereum9.04MUSDC0%5.32%4.66%
Kamino-lendSolana4.67MUSDC0%4.61%4.64%
Alchemix-v3Ethereum7.42MUSDC0%4.5%4.57%
Fluid-lendingArbitrum38.61MUSDC0%5.34%4.56%
Centrifuge-protocolEthereum5.75MUSDC0%4.03%4.56%
Centrifuge-protocolBase1.28MUSDC0%4.03%4.56%
Centrifuge-protocolAvalanche260.76MUSDC0%4.03%4.56%
Centrifuge-protocolBase50.28MUSDC0%4.02%4.56%
TermmaxBase1.20MUSDC0%3.94%4.52%
Fluid-lendingEthereum132.87MUSDT0%4.68%4.5%
LoopscaleSolana2.22MUSDC0%5.56%4.48%
Flux-financeEthereum2.05MUSDT0%4.43%4.41%
Centrifuge-protocolMonad4.53MUSDC0%4.11%4.38%
Centrifuge-protocolPharos4.38MUSDC0%3.44%4.38%
Midas-rwaEthereum53.08MUSDC0%3.11%4.37%
Midas-rwaEtherlink1.22MUSDC0%3.13%4.37%
Jupiter-lendSolana423.91MUSDC0.71%4.7%4.36%
ExactlyOP Mainnet1.60MUSDC0%4.3%4.35%
Benqi-lendingAvalanche3.64MUSDC0%3.89%4.31%
ExactlyOP Mainnet1.60MUSDC0%4.24%4.28%
SymbiosisTron1.70MUSDT0%5.81%4.26%
ExactlyOP Mainnet1.60MUSDC0%4.15%4.23%
ExactlyOP Mainnet1.60MUSDC0%4.15%4.19%
MapleEthereum0.94BUSDT0%4.2%4.18%
Gains-networkArbitrum6.27MUSDC0%5.43%4.16%
ExactlyOP Mainnet1.60MUSDC0%4.02%4.14%
Kamino-lendSolana12.65MUSDC0%4.06%4.1%
Yo-protocolBase9.88MUSDC0%4.18%4.1%
Yo-protocolEthereum2.28MUSDC0%4.18%4.1%
ExactlyOP Mainnet1.60MUSDC0%4.04%4.1%
ExactlyOP Mainnet1.60MUSDC0%3.37%3.97%
Moonwell-lendingBase2.36MUSDC0.3%4.54%3.96%
DolomiteArbitrum1.59MUSDC0%4.7%3.91%
Venus-fluxBSC2.91MUSDT0%2.58%3.88%
ExactlyOP Mainnet1.60MUSDC0%4.18%3.85%
ExactlyOP Mainnet1.60MUSDC0%3.94%3.82%
TermmaxEthereum4.40MUSDC0%3.63%3.78%
Midas-rwaEthereum4.55MUSDC0%6.05%3.78%
AmpleBase4.33MUSDC0%4.14%3.75%
Flux-financeEthereum2.59MUSDC0%3.72%3.73%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum454.1M4.91%
Avalanche2264.4M4.44%
Base13113.5M6.28%
BSC551.4M6.06%
Ethereum401.8B7.24%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.4M53.47%
Solana6451.4M5.03%
TON13.5M5.66%
zkSync Era000%