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 Jan 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
03/02/2026 12:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Gains-networkArbitrum13.11MUSDC0%8.55%18.57%
Gains-networkBase2.34MUSDC0%10.79%15.47%
Bracket-vaultsEthereum3.63MUSDC0%15.41%14.9%
FranciumSolana2.44MUSDC0%13.15%13.15%
LiqwidCardano1.78MUSDC1.58%12.65%12.82%
AcrossEthereum1.43MDAI0.69%5.29%12.34%
Blend-pools-v2Stellar1.48MUSDC0.77%14.11%11.78%
Blend-pools-v2Stellar6.11MUSDC0%12.45%11.24%
AvantisBase92.82MUSDC0%11.06%10.51%
GoldfinchEthereum37.74MUSDC0%10.01%10.01%
AutofinanceEthereum18.23MUSDC0.39%8.76%8.54%
Ipor-fusionEthereum5.91MUSDT0%7.92%7.54%
DeltaprimeAvalanche1.70MUSDC0%7.02%7.53%
WasabiBase9.53MUSDC0%7.41%7.36%
Woofi-earnArbitrum1.16MUSDC0%7.1%7.21%
WasabiSolana1.50MUSDC0%8.81%6.86%
Silo-v2Avalanche1.25MUSDC0%7.88%6.81%
Ipor-fusionBase1.86MUSDC0%7.63%6.74%
LoopscaleSolana5.36MUSDC0.57%8.95%6.7%
Yo-protocolBase28.84MUSDC14%9.04%6.59%
Storm-tradeTon5.83MUSDT0%7.77%6.42%
Hyperlend-pooledHyperliquid7.95MUSDC0%5.65%6.39%
Harvest-financeBase3.31MUSDC0%6.42%5.92%
LoopscaleSolana13.55MUSDC0%6.19%5.71%
Euler-v2Avalanche2.82MUSDC0%8.68%5.59%
Scallop-lendSui1.83MUSDC0%5.69%5.45%
Extra-finance-leverage-farmingBase5.71MUSDC0.12%6.53%5.42%
Harmonix-financeArbitrum1.31MUSDC0%5.07%5.38%
AutofinanceBase22.76MUSDC1.55%7.83%5.29%
DolomiteArbitrum2.42MUSDC0%4.77%5.26%
SymbiosisEthereum1.13MUSDC0%4.95%5.09%
SymbiosisEthereum1.13MUSDC0%4.95%5.09%
VesperEthereum2.43MUSDC0%4.28%5.03%
Euler-v2Ethereum35.73MUSDC0%4.6%4.95%
Euler-v2Ethereum23.23MUSDC0%4.71%4.92%
Ipor-fusionEthereum6.73MUSDC0%6.67%4.92%
AutofinanceEthereum8.70MUSDC0%1.91%4.82%
Folks-finance-lendingAlgorand1.42MUSDC0%4.32%4.8%
Yearn-financeEthereum7.40MUSDT0%4.77%4.64%
Flux-financeEthereum1.64MUSDT0%4.6%4.6%
MapleEthereum1.70BUSDT0%4.85%4.6%
Harvest-financeBase1.51MUSDC0%5.27%4.58%
Moar-marketAptos2MUSDC4.91%16.01%4.51%
Takara-lendSei1.24MUSDC3.79%8.36%4.4%
ExactlyOptimism1.81MUSDC0%4.4%4.39%
Ipor-fusionBase1.51MUSDC0%4.9%4.37%
AutofinanceArbitrum1.32MUSDC2.17%7.05%4.31%
ExactlyOptimism1.81MUSDC0%4.2%4.22%
ExactlyOptimism1.81MUSDC0%4.19%4.21%
Flux-financeEthereum1.46MUSDC0%4.14%4.19%
NeverlandMonad2.78MUSDC9.53%15.89%4.13%
Folks-finance-xchainPolygon2.02MUSDT0%6.11%4.1%
Yearn-financeEthereum7.64MUSDT0%4.48%4.08%
ExactlyOptimism1.81MUSDC0%4%4.05%
Echelon-marketAptos14.80MUSDC0%4.74%4.01%
Spark-savingsEthereum162.76MUSDC0%4%4%
Spark-savingsEthereum121.79MUSDT0%4%4%
Spark-savingsAvalanche100.13MUSDC0%4%4%
Yearn-financeEthereum10.83MDAI0%2.67%3.99%
Benqi-lendingAvalanche7.52MUSDC0%4.86%3.99%
ExactlyOptimism1.81MUSDC0%3.93%3.99%
Aave-v3Ethereum9.79MUSDC0%4.25%3.96%
ExactlyOptimism1.81MUSDC0%3.84%3.89%
DolomiteEthereum16.52MUSDC0%3.68%3.86%
ExactlyOptimism1.81MUSDC0%3.76%3.86%
Aave-v3Base46.05MUSDC0%3.61%3.8%
Navi-lendingSui12.77MUSDC0.82%5.67%3.78%
ExactlyOptimism1.81MUSDC0%3.85%3.68%
Ipor-fusionEthereum1.60MUSDC0%8.02%3.65%
Yearn-financeEthereum33.27MUSDC0%4.82%3.65%
ExactlyOptimism1.81MUSDC0%3.53%3.62%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum519.3M8.15%
Avalanche5113.4M5.58%
Base11216.2M6.91%
BSC000%
Ethereum242.2B5.72%
Hyperliquid18M6.39%
Mantle000%
Optimism916.3M3.99%
Polygon12M4.1%
Solana422.9M8.1%
TON15.8M6.42%
zkSync Era000%