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 % on ). 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
21/09/2026 15:00:05

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Gains-networkArbitrum4.38MUSDC0%22.81%52.73%
Neutral-tradeSolana2.28MUSDC0%15.68%43.59%
Neutral-tradeSolana3.36MUSDC0%6.28%31.3%
AccountableEthereum1.91MUSDC19.26%36.13%24.07%
Ember-protocolEthereum17.39MUSDC0%9.92%24%
AvantisBase10MUSDC0%11.57%20.94%
Harvest-financeBase1.86MUSDC0%43%20.93%
EnsuroEthereum1.10MUSDC0%21.1%19.93%
Neutral-tradeSolana2.17MUSDC0%14.41%16.21%
AccountableMonad7.50MUSDC1.03%16.73%15.39%
Nawa-protocolZIGChain3.44MUSDC0%7.71%15%
AccountableEthereum1.05MUSDC0.75%15.02%14.25%
AccountableMonad1.14MUSDC0%15.04%13.66%
Ember-protocolEthereum1.64MUSDC0%27.28%12.93%
Ember-protocolEthereum4.54MUSDC0%12.91%12.9%
AccountableEthereum13.86MUSDC0%12.21%12.51%
Ember-protocolSui1.20MUSDC0%10.19%12.43%
Midas-rwaEthereum26.37MUSDC0%5.88%11.87%
AccountableMonad5.04MUSDC0.47%12.09%11.64%
AccountableMonad74.98MUSDC0.3%11.83%11.4%
Ember-protocolEthereum10.30MUSDC0%9.74%11.07%
AccountableEthereum3.39MUSDC0%10.84%11.01%
Pareto-creditEthereum11.01MUSDC0%10.59%10.59%
Ember-protocolSui8.39MUSDC0%10.07%10.21%
AguaEthereum6.21MUSDC0%10%10%
Ember-protocolEthereum3.35MUSDC0%9.48%9.51%
Pareto-creditEthereum2.19MUSDC0%9.38%9.38%
Aave-v3Avalanche2.42MUSDC0%4.12%9.16%
Midas-rwaEthereum1.70MUSDC0%8.29%8.35%
Blend-pools-v2Stellar9.80MUSDC0%7.25%8.31%
Rhea-lendNear1.45MUSDT0%5.38%8.31%
Harvest-financeBase1.01MUSDC0%7.68%8.3%
Harvest-financeBase1.01MUSDC0%7.68%8.3%
Bitway-earnBSC25.15MUSDT0%8%8%
Ember-protocolSui8.65MUSDC4%12%8%
Pareto-creditEthereum154.60MUSDC0%7.88%7.82%
Midas-rwaEthereum7.49MUSDC0%7.65%7.75%
Sentora-curatorEthereum74.33MUSDC0%6.59%7.7%
Fusion-by-iporEthereum1.09MUSDC0%7.46%7.66%
Midas-rwaEtherlink4.93MUSDC0%8.39%7.6%
Midas-rwaEthereum65.47MUSDC0%7.61%7.51%
Bitway-earnBSC6.74MUSDT0%7.5%7.5%
Harvest-financeBase1.25MUSDC0%7.12%7.49%
Euler-v2Monad5.81MUSDC0.71%8.05%7.24%
Kamino-lendSolana4.91MUSDC0%7.19%7.19%
Midas-rwaEthereum67.34MUSDC0%7.13%7.13%
Zerobase-cedefiEthereum14.08MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.63MUSDT2%9%7%
Yearn-financeEthereum7.56MUSDC0%6.77%6.82%
AccountableMonad2.30MUSDC0.29%7.37%6.79%
Zerobase-cedefiBSC18.15MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.12MUSDC2%8.76%6.76%
Harmonix-financeHyperliquid L122.44MUSDC0%6.93%6.73%
Pareto-creditEthereum22MUSDC0%6.89%6.62%
Rhea-lendNear1.90MUSDC0%7.03%6.47%
Neutral-tradeSolana1.19MUSDC0%10.25%6.44%
Midas-rwaEthereum6.73MUSDC0%7.29%6.39%
Midas-rwaEthereum2.52MUSDC0%7.28%6.39%
Extra-finance-leverage-farmingBase3.69MUSDC0%6.5%6.25%
Aave-v4Ethereum1.42MUSDC0%4.43%6.18%
Harvest-financeEthereum1.16MUSDC0%9.38%6.16%
Kamino-lendSolana2.52MUSDC0%5.41%6.1%
Yearn-financeEthereum11.19MUSDC0%6.61%5.94%
Fusion-by-iporEthereum2.39MUSDC0%5.92%5.87%
Fusion-by-iporEthereum1.28MUSDC0%6.46%5.8%
AutofinanceBase3.54MUSDC5.06%9.2%5.66%
Midas-rwaEthereum31.42MUSDC0%6.48%5.6%
Lista-lendingBSC2.54MUSDT0%3.04%5.57%
Alchemix-v3Ethereum7.72MUSDC0%5.43%5.38%
Lista-lendingBSC1.77MUSDT0%6.82%5.26%
AccountableMonad7.42MUSDC0.5%6.17%5.23%
Fluid-lendingEthereum126.42MUSDT0%4.85%5.11%
AutofinanceEthereum7.68MUSDC0.95%6.11%5.11%
Storm-tradeTON2.80MUSDT0%5.32%5.09%
Native-credit-poolEthereum1.10MUSDC0%4.93%4.93%
Yearn-financeBase1.72MUSDC0%5.02%4.92%
MapleEthereum711.99MUSDT0%4.64%4.86%
Fluid-lendingBase9.12MUSDC0%4.95%4.81%
Spectra-metavaultsBase3.03MUSDC0%2.44%4.8%
Gami-labsBase3.03MUSDC0%2.41%4.8%
Navi-lendingSui8.93MUSDC0.55%5.39%4.76%
SparklendEthereum13.92MUSDT0%3.2%4.61%
Fusion-by-iporBase1.36MUSDC0%7.23%4.61%
Jupiter-lendSolana469.77MUSDC0.38%4.85%4.53%
Fluid-lendingArbitrum61.89MUSDC0%4.2%4.49%
Yo-protocolBase8.18MUSDC0%4.17%4.49%
Yo-protocolEthereum1.35MUSDC0%4.17%4.49%
CurvanceMonad2.92MUSDC2%5.57%4.46%
Flux-financeEthereum1.94MUSDT0%4.45%4.44%
ExactlyOP Mainnet1.58MUSDC0%4.38%4.39%
Benqi-lendingAvalanche3.43MUSDC0%4.95%4.37%
Yearn-financeBase1.02MUSDC0%4.42%4.37%
Ember-protocolEthereum2.04MUSDC0%4.23%4.36%
ExactlyOP Mainnet1.58MUSDC0%4.31%4.34%
DolomiteArbitrum1.27MUSDC0%4.5%4.33%
ExactlyOP Mainnet1.58MUSDC0%4.32%4.33%
Compound-v3Ethereum36.48MUSDC0%4.87%4.3%
ExactlyOP Mainnet1.58MUSDC0%4.24%4.29%
Centrifuge-protocolEthereum9.30MUSDC0%4.98%4.23%
Centrifuge-protocolAvalanche262.53MUSDC0%4.95%4.23%
Centrifuge-protocolBase62.63MUSDC0%4.96%4.23%
ExactlyOP Mainnet1.58MUSDC0%4.14%4.21%
Kamino-lendSolana1.58MUSDC0%4.6%4.2%
Kamino-lendSolana13.85MUSDC0%4.68%4.19%
Fluid-lendingEthereum146.60MUSDC0%4.7%4.19%
ExactlyOP Mainnet1.58MUSDC0%4.2%4.18%
ExactlyOP Mainnet1.58MUSDC0%4.05%4.17%
Flux-financeEthereum1.57MUSDC0%3.84%4.15%
TydroInk18.28MUSDC0%3.83%4.14%
Aave-v3Monad13.97MUSDC1.92%5.82%4.1%
Venus-core-poolBSC6.96MUSDC0%2.8%4.07%
Jupiter-lendSolana17.09MUSDT0%4.04%4.05%
Yearn-financeEthereum2.39MUSDC0%3.88%4.05%
ExactlyOP Mainnet1.58MUSDC0%3.92%4.02%
Aave-v3Ethereum197.25MUSDT0%3.44%3.95%
Aave-v3Ethereum66.03MUSDT1.55%4.9%3.95%
Fusion-by-iporBase1.25MUSDC2.84%6.56%3.88%
Midas-rwaEthereum3.49MUSDC0%3.78%3.78%
Euler-v2Monad1.55MUSDC1.25%4.78%3.77%
AmpleBase4.39MUSDC0%4.02%3.72%
SaveSolana4.61MUSDC0%2.98%3.7%
ExactlyOP Mainnet1.58MUSDC0%0.93%3.7%
Aave-v3Ethereum161.39MUSDC0%3.93%3.66%
Aave-v3Ethereum58.33MUSDC1.67%5.52%3.66%
Hyperlend-pooledHyperliquid L110.87MUSDC0%5.39%3.65%
Aave-v3Base21.56MUSDC0%3.57%3.65%
Yearn-financeEthereum20.89MUSDC0%3.68%3.62%
Centrifuge-protocolPlume Mainnet20.78MUSDC0%4.17%3.61%
Spark-savingsEthereum305.66MUSDC0%3.57%3.6%
Spark-savingsAvalanche9.27MUSDC0%3.57%3.6%
Aave-v3Avalanche2.71MUSDT0%3.96%3.53%
SymbiosisEthereum1.30MUSDC0%4.91%3.52%
Kamino-lendSolana1.96MUSDT0%4.06%3.5%
Spark-savingsEthereum396.54MUSDT0%3.33%3.5%
Centrifuge-protocolEthereum2.07MUSDT0%2.64%3.46%
Aave-v3BSC1.56MUSDC0%3.06%3.41%
Midas-rwaEthereum72.63MUSDC0%3.39%3.39%
Midas-rwaEtherlink1.22MUSDC0%3.39%3.39%
Centrifuge-protocolPharos4.40MUSDC0%3.2%3.35%
Native-credit-poolEthereum1.15MUSDT0%3.31%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Aave-v4Ethereum1.60MUSDT0%3.69%3.29%
Yearn-financeEthereum5.74MUSDT0%3.22%3.27%
Venus-core-poolBSC47.39MUSDT0%2.69%3.25%
Aave-v3Polygon10.22MUSDC0%2.92%3.25%
DolomiteEthereum31.21MUSDC4.03%7.41%3.23%
Yearn-financeEthereum1.11MUSDC0%3.61%3.2%
Aave-v3Ethereum15.32MDAI0%2.99%3.17%
Native-credit-poolBSC1.40MUSDT0%3.14%3.14%
Aave-v3Ethereum1.25MUSDC0%2.83%3.05%
Benqi-lendingAvalanche1.26MUSDT0%3.7%3.04%
Kamino-lendSolana1.25MUSDC0%1.13%3.02%
SparklendEthereum5.76MUSDC0%3.46%3%
Compound-v3Arbitrum2.55MUSDC0%2.84%2.98%
Yearn-financeEthereum7.37MDAI0%3.22%2.92%
Aave-v3Arbitrum27.81MUSDC0%2.6%2.87%
Aave-v3Xlayer2.87MUSDC0%1.87%2.86%
Compound-v3Ethereum37.47MUSDT0%3.07%2.84%
Aave-v3OP Mainnet1.78MUSDC0%2.5%2.81%
Lista-lendingBSC1.94MUSDT0%2.24%2.78%
Aave-v3BSC12.96MUSDT0%2.62%2.75%
Compound-v3Arbitrum4.06MUSDT0%2.59%2.6%
SparklendEthereum100.10MDAI0%2.36%2.46%
Justlend-v1Tron74.68MUSDT0%2.34%2.23%
SaveSolana2.32MUSDT0%1.77%2.1%
NeverlandMonad1.09MUSDC7.99%9.47%2.09%
Aave-v4Ethereum1.41MUSDC0%1.88%2.05%
CurrentSui15.81MUSDC7.9%9.02%2.03%
Aave-v3Arbitrum1.07MDAI0%1.91%1.99%
Aave-v3Sonic1.15MUSDC0%1.85%1.83%
Midas-rwaEthereum6.43MUSDC0%5.04%1.64%
Midas-rwaEtherlink1.12MUSDC0%5.01%1.64%
Echelon-marketAptos1.63MUSDC4.68%3.43%1.25%
Venus-fluxBSC1.79MUSDT0%2.63%1.23%
ExactlyOP Mainnet1.58MUSDC0%0.93%1.04%
Centrifuge-protocolMonad4.55MUSDC0%3.09%0.94%
Ember-protocolSui2.38MUSDC0%1.38%0.89%
Zest-v2Stacks10.13MUSDC0%0.73%0.88%
Lista-lendingEthereum5.25MUSDC5.41%7.2%0.86%
AcrossEthereum1.12MUSDT3.05%1.62%0.61%
TectonicCronos1.26MUSDC0.03%0.4%0.55%
Aave-v4Avalanche7.47MUSDC4.73%5.49%0.4%
Lista-lendingEthereum4.08MUSDT4.82%6.13%0.31%
AcrossEthereum1.10MUSDC4.5%4.38%0.26%
Aave-v4Avalanche3.48MUSDT6.56%6.13%0.15%
CredixSolana13.41MUSDC0%0.06%0.07%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum8110.7M9.87%
Avalanche8292.6M3.56%
Base19150.2M7.01%
BSC13130.5M4.65%
Ethereum743.2B6.22%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon110.2M3.25%
Solana15542.3M9.35%
TON12.8M5.09%
zkSync Era000%