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
15/12/2025 16:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum4.20MUSDC0%42.41%43.11%
KiloexBase1.11MUSDC0%30.63%29.31%
Blend-pools-v2Stellar1.11MUSDC0.62%15.9%13.46%
Ipor-fusionEthereum5.50MUSDC0%6.66%13.32%
FranciumSolana2.44MUSDC0%13.15%13.15%
Gains-networkArbitrum14.94MUSDC0%10.38%11.06%
AvantisBase101.12MUSDC0%14.67%10.74%
Blend-pools-v2Stellar4.90MUSDC0%13.4%10.32%
GoldfinchEthereum37.76MUSDC0%9.57%10.01%
LoopscaleSolana4.71MUSDC0%9.37%9.02%
DeltaprimeArbitrum1.28MUSDC0%9.86%8.83%
WasabiBase11.03MUSDC0%10.65%8.47%
LiqwidCardano2.90MUSDC1.51%9.75%8.37%
DeltaprimeAvalanche2.23MUSDC0%7.81%8.24%
Ipor-fusionEthereum1.05MUSDC0%10.54%8.09%
Ipor-fusionEthereum1.05MUSDC0%10.54%8.09%
Ipor-fusionBase1.92MUSDC0%9.63%7.91%
Harvest-financeBase3.30MUSDC0%9.71%7.55%
Harmonix-financeArbitrum3.88MUSDC0%8.6%7.47%
Silo-v2Avalanche2.28MUSDC0%8.2%7.22%
AutofinanceArbitrum1.92MUSDC2.69%10.25%7.19%
Yo-protocolBase28.78MUSDC0%8.45%7.19%
AutofinanceBase25.01MUSDC2.83%10.34%6.83%
Euler-v2Arbitrum1.77MUSDC0%5.64%6.55%
Extra-finance-leverage-farmingBase6.07MUSDC0.57%7.99%6.39%
Euler-v2Arbitrum1.87MUSDC0%6.2%6.27%
Euler-v2Avalanche4.28MUSDC0%7.18%6.17%
AutofinanceEthereum8MUSDC1.55%7.78%6.17%
SaveSolana1.10MUSDT0%5.95%6.09%
SaveSolana5.46MUSDC0%6.64%6.08%
Fluid-lendingPolygon2.76MUSDC0%5.17%6.07%
Scallop-lendSui1.81MUSDC0%5.84%5.93%
AcrossEthereum1.80MDAI0.7%9.16%5.79%
Harvest-financeBase1.86MUSDC0%6.51%5.64%
TermmaxEthereum3.11MUSDC0%7.75%5.58%
Harvest-financeBase1.35MUSDC0%5.27%5.47%
Yearn-financeBase2.37MUSDC0%5.3%5.44%
Hyperlend-pooledHyperliquid6.27MUSDC0%5.86%5.35%
Ipor-fusionBase1.86MUSDC0%6.33%5.3%
Euler-v2Ethereum10.23MUSDC0%6.75%5.21%
Yearn-financeEthereum29.19MUSDC0%5.36%5.17%
Yearn-financeEthereum7.60MUSDT0%5.51%5.06%
MapleEthereum1.55BUSDT0.89%6.23%5%
Harvest-financeEthereum1.08MUSDC0%5.56%4.96%
Benqi-lendingAvalanche1.55MUSDT0%5.27%4.93%
Echelon-marketAptos16.56MUSDC0%5.53%4.92%
ExactlyOptimism1.20MUSDC0%4.81%4.77%
Yearn-financeEthereum35.82MUSDC0%5.42%4.73%
Gains-networkBase1.37MUSDC0%8.28%4.69%
Yearn-financeEthereum14.66MDAI0%5.17%4.65%
Yearn-financeEthereum7.83MUSDT0%5.21%4.64%
Flux-financeEthereum1.65MUSDT0%4.64%4.59%
Moonwell-lendingBase7.05MUSDC0.93%6.15%4.55%
ExactlyOptimism1.20MUSDC0%4.64%4.52%
Folks-finance-lendingAlgorand1.75MUSDC0%5.01%4.48%
ExactlyOptimism1.20MUSDC0%4.53%4.47%
Yearn-financeEthereum1.10MUSDC0%5.23%4.46%
DolomiteArbitrum4.09MUSDC0%4.37%4.41%
ExactlyOptimism1.20MUSDC0%4.65%4.37%
ExactlyOptimism1.20MUSDC0%4.45%4.24%
Yearn-financeEthereum11.28MDAI0%3.64%4.21%
ExactlyOptimism1.20MUSDC0%4.16%4.17%
SparklendEthereum7.06MUSDC0%3.68%4.16%
ExactlyOptimism1.20MUSDC0%4.14%4.15%
Yearn-financeEthereum7.13MUSDC0%3.52%4.15%
Benqi-lendingAvalanche8.66MUSDC0%4.41%4.13%
Flux-financeEthereum1.60MUSDC0%4.52%4.12%
WasabiSolana1.15MUSDC0%11.03%4.09%
Takara-lendSei1.70MUSDC5.61%10.79%4.05%
Hatom-lendingMultiversX1.31MUSDC0.93%4.89%3.96%
ExactlyOptimism1.20MUSDC0%3.86%3.9%
Fluid-lendingEthereum276.13MUSDC1.3%5.3%3.86%
Fluid-lendingEthereum1.21MUSDC0%3.89%3.86%
ExactlyOptimism1.20MUSDC0%3.04%3.81%
LoopscaleSolana1.95MUSDC7.23%9.89%3.81%
Kamino-lendSolana88.84MUSDC0%4.15%3.74%
ExactlyOptimism1.20MUSDC0%3.69%3.73%
Yearn-financeEthereum4.71MUSDT0%2.87%3.7%
Fluid-lendingBase24.42MUSDC1.61%5.22%3.68%
Navi-lendingSui22.51MUSDC1.02%5.92%3.62%
Echelon-marketAptos2.64MUSDT0%4.79%3.6%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum729.8M7.4%
Avalanche519M6.14%
Base15218.6M7.94%
BSC000%
Ethereum252B7.07%
Mantle000%
Optimism1012M4.21%
Polygon12.8M6.07%
Solana7105.7M6.57%
TON000%
zkSync Era000%