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 3.85% on Oct 07 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
09/10/2025 20:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum15.89MUSDC0%52.06%47.91%
Peapods-financeArbitrum2.76MUSDC0%38.86%35.05%
Peapods-financeEthereum10.96MUSDC0%38.1%34.17%
AvantisBase44.58MUSDC0%16.1%30.81%
AvantisBase27.96MUSDC0%14.6%25.93%
SandclockEthereum1.09MUSDC15%22.17%23.7%
Peapods-financeEthereum12.45MUSDC0%41.07%21.22%
Colend-protocolCore1.59MUSDT5.44%23.15%20.03%
Gains-networkBase2.37MUSDC0%13.83%19.53%
Ipor-fusionEthereum1.95MUSDC0%30.11%18.63%
Harvest-financeArbitrum2.51MUSDC0%23.37%16.69%
DeltaprimeArbitrum1.37MUSDC0%14.73%16.37%
LiqwidCardano2.73MUSDC1.38%16.13%16.27%
Blend-pools-v2Stellar2.02MUSDC0%12.41%15.84%
Navi-lendingSui7.59MUSDC0%12.04%14.26%
Peapods-financeEthereum1.94MUSDC0%12.46%13.93%
Stream-financeEthereum300.51MUSDC0%15.56%13.89%
Hyperlend-pooledHyperliquid1.53MUSDC0%8.91%13.88%
Harmonix-financeArbitrum3.74MUSDC0%11.75%13.66%
Euler-v2Ethereum1.10MUSDC0%11.02%13.61%
FranciumSolana2.44MUSDC0%13.15%13.15%
WasabiBase10.18MUSDC0%12.5%12.87%
DeltaprimeAvalanche4.55MUSDC0%17.66%12.37%
VesperEthereum2.16MUSDC0%6.8%11.62%
Yo-protocolBase26.23MUSDC0%10.73%10.78%
SuperfundBase2.28MUSDC0.68%12.93%10.72%
Harvest-financeBase2.68MUSDC0%12.18%10.64%
AutofinanceArbitrum12.37MUSDC1%13.67%9.98%
AutofinanceBase30.89MUSDC2.96%13.02%9.89%
Extra-finance-leverage-farmingBase7.28MUSDC0.31%10.6%9.73%
Harvest-financeArbitrum1.29MUSDC0%18.83%9.67%
GoldfinchEthereum42.89MUSDC0%9.55%9.49%
LoopscaleSolana3.45MUSDC0%10.8%9.3%
Ipor-fusionBase3.01MUSDC0%8.34%9.2%
Euler-v2Ethereum2.27MUSDT0%6.26%9.14%
Euler-v2Avalanche3.99MUSDC2.35%11.32%8.92%
Ipor-fusionArbitrum1.29MUSDC0%11.09%8.89%
VesperEthereum1.13MDAI0%4.98%8.55%
AutofinanceEthereum13.15MUSDC1.72%11.52%8.54%
TermmaxEthereum4.33MUSDC0%6.49%8.44%
Harvest-financeBase3.01MUSDC0%9.01%8.38%
Lista-lendingBSC32.72MUSDT1.68%11.2%8.22%
LoopscaleSolana3.58MUSDC2.57%12.57%8.14%
Harvest-financeArbitrum1.28MUSDC0%13.24%8.11%
Benqi-lendingAvalanche11.63MUSDC0%8.85%7.96%
DolomiteArbitrum2.69MUSDC0%9.65%7.96%
Harvest-financeEthereum1.12MUSDC0%7.6%7.87%
Silo-v2Sonic1.86MUSDC0%7.47%7.81%
Benqi-lendingAvalanche3.67MUSDT0%8.84%7.5%
Harvest-financeBase2.20MUSDC0%7.7%7.48%
Echelon-marketAptos12.21MUSDC2.39%10.93%7.06%
Scallop-lendSui1.69MUSDC0%9.91%7.01%
Euler-v2Ethereum12.81MUSDC0%6.64%6.88%
Gains-networkArbitrum10.22MUSDC0%7.81%6.74%
Euler-v2Arbitrum7.40MUSDC0%5.12%6.69%
Yearn-financeEthereum6.21MUSDT0%7.85%6.67%
Euler-v2Ethereum1.23MUSDC0%5.06%6.61%
AutofinanceEthereum8.72MUSDC0%12.15%6.53%
Compound-v2Ethereum13.95MUSDT0%6.79%6.45%
Euler-v2Ethereum7.51MUSDC0%6.73%6.4%
MapleEthereum880.43MUSDT2.2%8.73%6.33%
SaveSolana5.45MUSDC0%5.33%6.2%
Euler-v2Ethereum1.20MUSDC3%13.52%6.13%
Storm-tradeTon6.16MUSDT0%10.31%6.12%
Silo-v2Arbitrum2.45MUSDC0%10.69%6.11%
Euler-v2Linea19.59MUSDT0%5.64%6.01%
Yearn-financeEthereum3.39MUSDC0%5.93%5.99%
Yearn-financeEthereum3.22MUSDC0%5.84%5.93%
Nostra-money-marketStarknet1.04MUSDC5.95%8.99%5.82%
Nostra-money-marketStarknet1.04MUSDC5.95%8.99%5.82%
Compound-v3Base1.71MUSDC1.06%5.23%5.79%
ExactlyOptimism1.49MUSDC0%5.96%5.77%
Yearn-financeEthereum16.56MUSDC0%7%5.77%
ExactlyOptimism1.49MUSDC0%5.67%5.76%
Aave-v3Base64.19MUSDC0%5.58%5.64%
Yearn-financeEthereum6.29MUSDT0%6.59%5.63%
Euler-v2Linea12.29MUSDC0%5.69%5.53%
Folks-finance-lendingAlgorand1.60MUSDC0%5.41%5.49%
AcrossEthereum1.51MDAI1.85%6.48%5.49%
Yearn-financeEthereum12.03MDAI0%4.49%5.48%
Euler-v2Ethereum3.51MUSDC8.86%10.25%5.44%
Morpho-v1Ethereum1.13MUSDC0%6.52%5.43%
Lista-lendingBSC2.41MUSDT0%5.95%5.39%
ExactlyOptimism1.49MUSDC0%5.34%5.31%
Yearn-financeEthereum22.67MUSDC0.44%6.09%5.25%
Aave-v3Avalanche21.41MUSDC0%5.7%5.24%
TermmaxEthereum2.72MUSDC0%6.3%5.23%
ExactlyOptimism1.49MUSDC0%5.19%5.2%
ExactlyOptimism1.49MUSDC0%5.12%5.11%
Echelon-marketMove1.32MUSDC4.32%9.69%5.1%
Aave-v3Linea16.99MUSDT0%4.75%5.09%
Compound-v3Arbitrum2.94MUSDC0.97%5.75%5.09%
ExactlyOptimism1.49MUSDC0%5.08%5.07%
Takara-lendSei3.41MUSDC8.75%15.09%5.07%
Echelon-marketAptos1.58MUSDT4.33%11.51%5.06%
ExactlyOptimism1.49MUSDC0%5.03%5.05%
Aave-v3Linea21.86MUSDC0%4.62%5.04%
Aave-v3Ethereum701.58MUSDT0%4.85%4.97%
Aave-v3Optimism3.32MUSDC0%5%4.97%
ExactlyOptimism1.49MUSDC0%5.16%4.96%
Aave-v3Sonic5.94MUSDC0%4.24%4.89%
GearboxEthereum1.22MUSDC0%4.24%4.85%
Aave-v3Polygon1.19MDAI0%4.61%4.74%
Aave-v3Polygon10.16MUSDC0%4.6%4.71%
Aave-v3Arbitrum46.14MUSDC0%4.53%4.69%
Euler-v2Avalanche3.02MUSDC32.31%41.76%4.67%
Kamino-lendSolana58.52MUSDC0%5.12%4.66%
Yearn-financeEthereum16.37MDAI0.23%4.95%4.66%
Flux-financeEthereum1.55MUSDT0%4.65%4.65%
Aave-v3Avalanche17.23MUSDT0%3.7%4.64%
Aave-v3BSC15.76MUSDT0%5.59%4.57%
Moonwell-lendingBase6.22MUSDC1.58%9.13%4.54%
Venus-core-poolBSC89.40MUSDT0%4.08%4.53%
Euler-v2Ethereum2.07MUSDT0%3.61%4.4%
Compound-v3Arbitrum3.29MUSDT0.67%4.66%4.32%
Aave-v3BSC5.44MUSDC0%3.84%4.22%
Yearn-financeEthereum7.33MUSDC0%6.12%4.18%
ExactlyOptimism1.49MUSDC0%4.31%4.18%
Polynomial-liquidityPolynomial1.59MUSDC0%5.62%4.15%
ExactlyOptimism1.49MUSDC0%3.15%4.14%
ExactlyOptimism1.49MUSDC0%5.16%4.07%
Venus-core-poolBSC21.72MUSDC0%3.06%4.06%
Fluid-lendingEthereum275.47MUSDT2.73%7.98%3.95%
Aave-v3Ethereum24.47MDAI0%3.91%3.9%
WasabiEthereum2.09MUSDC0%4.04%3.87%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum15101.7M10.67%
Avalanche765.5M7.33%
Base15234.8M12.13%
BSC6167.5M5.17%
Ethereum422.5B9.47%
Mantle000%
Optimism1219.7M4.97%
Polygon211.4M4.72%
Solana573.4M8.29%
TON16.2M6.12%
zkSync Era000%