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 3.64% on Dec 09 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
11/12/2025 20:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum4.20MUSDC0%43.4%40.94%
KiloexBase1.09MUSDC0%30.67%31.42%
KiloexBase1.09MUSDC0%30.67%31.42%
Bracket-vaultsEthereum8.65MUSDC0%18.6%17.76%
FranciumSolana2.44MUSDC0%13.15%13.15%
Blend-pools-v2Stellar4.26MUSDC0%14.03%12.94%
Ipor-fusionEthereum1.27MUSDC0%11.22%11.6%
GoldfinchEthereum37.75MUSDC0%9.51%10.01%
AvantisBase101.73MUSDC0%15.97%9.56%
Gains-networkArbitrum14.96MUSDC0%10.75%9.53%
WasabiBase10.28MUSDC0%11.16%9.36%
WasabiSolana1.19MUSDC0%11.53%9.26%
LoopscaleSolana5.73MUSDC0%9.58%8.77%
AcrossEthereum1.60MDAI0.84%9%8.73%
DeltaprimeAvalanche2.20MUSDC0%8.61%8.35%
LiqwidCardano2.97MUSDC1.4%10.21%8.19%
DeltaprimeArbitrum1.33MUSDC0%10.9%8.13%
Ipor-fusionBase1.94MUSDC0%10.84%8.06%
TermmaxEthereum3.11MUSDC0%7.89%7.75%
Harmonix-financeArbitrum3.94MUSDC0%8.85%7.74%
AutofinanceArbitrum1.85MUSDC2.99%10.55%7.59%
Yo-protocolBase28.04MUSDC0%9.04%7.44%
Harvest-financeBase3.33MUSDC0%10.18%7.43%
Silo-v2Avalanche1.97MUSDC0%8.12%7.4%
Gains-networkBase1.52MUSDC0%8.69%7.38%
Extra-finance-leverage-farmingBase5.77MUSDC0.59%8.13%7.09%
AutofinanceBase24.65MUSDC2.96%10.52%6.94%
TermmaxEthereum2.74MUSDC0%6.68%6.66%
Hyperlend-pooledHyperliquid4.18MUSDC0%5.79%6.6%
SaveSolana4.40MUSDC0%6.69%6.4%
Euler-v2Arbitrum1.87MUSDC0%6.43%6.12%
Euler-v2Ethereum23.84MUSDC0%6.97%6.07%
Euler-v2Arbitrum1.67MUSDC0%4.47%6.06%
Harvest-financeBase1.85MUSDC0%6.69%6.04%
AutofinanceEthereum7.58MUSDC1.63%7.84%5.95%
Scallop-lendSui1.75MUSDC0%5.86%5.93%
Euler-v2Avalanche4.87MUSDC0%7.23%5.87%
Harvest-financeBase2.09MUSDC0%4.54%5.81%
Ipor-fusionBase1.85MUSDC0%6.4%5.78%
Euler-v2Ethereum1.24MUSDC0%7.63%5.6%
Folks-finance-lendingAlgorand1.22MUSDC0%5.06%5.24%
Echelon-marketAptos15.66MUSDC0%6.39%5.13%
Harvest-financeEthereum1.09MUSDC0%5.96%5.06%
MapleEthereum1.56BUSDT0.89%6.33%5%
Yearn-financeEthereum21MUSDC0%5.57%4.97%
Benqi-lendingAvalanche1.56MUSDT0%5.3%4.93%
Yearn-financeBase2.36MUSDC0%5.43%4.91%
Moonwell-lendingBase6.09MUSDC1.02%6.26%4.83%
ExactlyOptimism1.22MUSDC0%4.83%4.78%
Yearn-financeEthereum7.62MUSDT0%5.66%4.68%
Euler-v2Ethereum1.22MUSDT0%8.41%4.67%
Yearn-financeEthereum33.49MUSDC0%5.61%4.66%
Flux-financeEthereum1.65MUSDT0%4.65%4.59%
ExactlyOptimism1.22MUSDC0%4.68%4.55%
Yearn-financeEthereum14.64MDAI0%5.35%4.51%
ExactlyOptimism1.22MUSDC0%4.54%4.48%
SparklendEthereum30.56MUSDT0%3.15%4.48%
DolomiteArbitrum4.11MUSDC0%4.51%4.46%
Echelon-marketAptos2.27MUSDT0%5.39%4.44%
Benqi-lendingAvalanche7.27MUSDC0%4.51%4.44%
Yearn-financeEthereum7.83MUSDT0%5.34%4.44%
ExactlyOptimism1.22MUSDC0%4.72%4.42%
Fluid-lendingPolygon3MUSDC0%5.3%4.41%
ExactlyOptimism1.22MUSDC0%4.52%4.27%
Yearn-financeEthereum1.10MUSDC0%5.7%4.24%
Mars-lendNeutron1.10MUSDC0%4.89%4.24%
SparklendEthereum6.76MUSDC0%3.58%4.22%
Yearn-financeEthereum11.28MDAI0%3.56%4.2%
ExactlyOptimism1.22MUSDC0%4.15%4.16%
ExactlyOptimism1.22MUSDC0%4.14%4.15%
Aave-v3Ethereum661.50MUSDT0%3.64%4.15%
Yearn-financeEthereum7.13MUSDC0%3.45%4.13%
Flux-financeEthereum1.60MUSDC0%4.65%4.12%
Navi-lendingSui20.12MUSDC1.07%6.66%4.09%
Takara-lendSei1.70MUSDC6.22%13.39%4.05%
Hatom-lendingMultiversX1.31MUSDC0.93%4.91%3.96%
ExactlyOptimism1.22MUSDC0%3.83%3.9%
Compound-v3Arbitrum1.84MUSDT0.88%3.19%3.88%
LoopscaleSolana1.57MUSDC8.94%9.68%3.88%
Kamino-lendSolana84.44MUSDC0%4.09%3.83%
ExactlyOptimism1.22MUSDC0%2.91%3.81%
Yearn-financeEthereum1.23MUSDC0%5.74%3.75%
ExactlyOptimism1.22MUSDC0%3.69%3.72%
Fluid-lendingEthereum277.47MUSDC1.41%5.51%3.7%
Yearn-financeEthereum4.71MUSDT0%3.4%3.69%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum831.6M6.69%
Avalanche517.9M6.2%
Base15193.7M10.23%
BSC000%
Ethereum292.7B7.05%
Mantle000%
Optimism1012.2M4.22%
Polygon13M4.41%
Solana699.8M7.55%
TON000%
zkSync Era000%