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 3.70% on Jul 16 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
19/07/2026 15:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableMonad3.01MUSDC0.78%41.89%40.56%
AccountableMonad69.84MUSDC0.24%13.05%17.6%
AccountableEthereum1.05MUSDC0%14.25%14.25%
AccountableEthereum1.05MUSDC0%14.25%14.25%
Harvest-financeBase1.87MUSDC0%14.74%13.66%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum8.81MUSDC0%12.84%12.9%
Midas-rwaEthereum1.98MUSDC0%10.11%12.76%
AccountableEthereum2.15MUSDC0%10.86%11.66%
Ember-protocolSui1.09MUSDC0%9.61%11.27%
Pareto-creditEthereum15.17MUSDC0%10.59%10.59%
Midas-rwaMonad1.88MUSDC0%10.56%10.57%
Midas-rwaEthereum47MUSDC0%10.56%10.57%
Midas-rwaEthereum73.75MUSDC0%12.33%10.34%
AccountableMonad5.21MUSDC0.47%10.48%10%
GoldfinchEthereum36.72MUSDC0%10.1%10%
AccountableMonad10.05MUSDC0.44%9.57%9.95%
AvantisBase21.59MUSDC0%9.72%9.87%
Pareto-creditEthereum2.13MUSDC0%9.38%9.38%
Bracket-vaultsEthereum2.65MUSDC0%9.62%9.34%
Ember-protocolEthereum3.30MUSDC0%9.17%9.21%
Midas-rwaEtherlink4.67MUSDC0%7.52%8.94%
Midas-rwaEthereum7.72MUSDC0%8.81%8.74%
Ember-protocolSui1.36MUSDC0%8.26%8.61%
Midas-rwaEthereum2.50MUSDC0%7.78%8.37%
Midas-rwaEthereum6.65MUSDC0%7.79%8.37%
Pareto-creditEthereum159.69MUSDC0%8.31%8.31%
Midas-rwaEthereum29.02MUSDC0%3.78%8.27%
Harmonix-financeHyperliquid L120.84MUSDC0%9.02%8.15%
YieldseekerBase1.95MUSDC0%8.23%8.14%
Bitway-earnBSC23.28MUSDT0%8.76%8%
Ember-protocolSui7MUSDC4%12%8%
Ember-protocolSui3.53MUSDC0%8.95%7.92%
Midas-rwaEthereum4.54MUSDC0%6.36%7.82%
Ember-protocolSui1.20MUSDC0%10.47%7.75%
Blend-pools-v2Stellar11.98MUSDC0%7.04%7.38%
Pareto-creditEthereum21.81MUSDC0%7.13%7.13%
AccountableMonad1.62MUSDC0.5%7.36%7.03%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Gami-labsStellar16.46MUSDC0%7%7%
Yearn-financeEthereum6.17MUSDC0%5.98%6.77%
Zerobase-cedefiBSC1.97MUSDC2%8.76%6.76%
Zerobase-cedefiBSC21.44MUSDT2%8.76%6.76%
Gains-networkArbitrum6.70MUSDC0%5.62%6.65%
AutofinanceEthereum8.62MUSDC0.42%6.57%6.61%
Extra-finance-leverage-farmingBase3.45MUSDC0%6.35%6.53%
Euler-v2Monad2.13MUSDC2.63%6.15%6.47%
Harvest-financeEthereum1.17MUSDC0%7.76%6.35%
LoopscaleSolana4.13MUSDC0.22%7.78%6.24%
Kamino-lendSolana5.51MUSDC0%7.05%6.09%
Yearn-financeEthereum9.10MUSDC0%5.97%5.97%
Hyperlend-pooledHyperliquid L111.48MUSDC0%6.69%5.87%
AccountableEthereum3.95MUSDC10.22%15.72%5.87%
Storm-tradeTON3.61MUSDT0%5.92%5.74%
Yearn-financeEthereum1.19MUSDC0%4.7%5.72%
Ember-protocolSui1.10MUSDC6.64%11.52%5.66%
SymbiosisTron1.32MUSDT0%6.14%5.63%
Fluid-lendingBase8.71MUSDC0%5.46%5.31%
Fusion-by-iporEthereum2.91MUSDC0%6.23%5.3%
Fluid-lendingArbitrum35.54MUSDC0%5.76%5.29%
Ember-protocolSui5.75MUSDC0%5.86%5.22%
Fluid-lendingEthereum138.91MUSDC0%6.05%5.16%
Fluid-lendingEthereum9.08MUSDC0%5.67%5.16%
AutofinanceBase5.83MUSDC2.22%7.23%5.15%
LoopscaleSolana1.35MUSDC0%6.04%5.05%
Navi-lendingSui6.97MUSDC0.43%5.75%4.99%
Yearn-financeBase1.77MUSDC0%4.93%4.98%
DolomiteArbitrum1.26MUSDC0%4.51%4.73%
Kamino-lendSolana5.36MUSDC0%4.72%4.63%
Centrifuge-protocolMonad10.05MUSDC0%4.88%4.52%
Centrifuge-protocolPlume Mainnet33.01MUSDC0%4.64%4.52%
Flux-financeEthereum1.90MUSDT0%4.46%4.45%
ExactlyOP Mainnet1.75MUSDC0%4.21%4.32%
ExactlyOP Mainnet1.75MUSDC0%4.18%4.24%
ExactlyOP Mainnet1.75MUSDC0%4.13%4.23%
MapleEthereum0.93BUSDT0%4.06%4.19%
ExactlyOP Mainnet1.75MUSDC0%4.03%4.16%
ExactlyOP Mainnet1.75MUSDC0%4.09%4.16%
Aave-v3Ethereum8.52MDAI0%4.42%4.15%
Lista-lendingBSC1.84MUSDT0.88%6.44%4.13%
Fluid-lendingEthereum138.08MUSDT0%5.56%4.12%
Moonwell-lendingBase2.14MUSDC0.36%5.06%4.09%
Lista-lendingBSC6.16MUSDT0%4.63%4.07%
ExactlyOP Mainnet1.75MUSDC0%3.86%4.05%
ExactlyOP Mainnet1.75MUSDC0%3.98%4.04%
Yo-protocolBase10.12MUSDC0%4.14%4.04%
Yo-protocolEthereum2.48MUSDC0%4.14%4.04%
ExactlyOP Mainnet1.75MUSDC0%3.64%3.97%
AmpleBase4.31MUSDC0%4.4%3.86%
Jupiter-lendSolana419.83MUSDC0.72%4.81%3.84%
TermmaxBase1.20MUSDC0%3.92%3.84%
Benqi-lendingAvalanche4.53MUSDC0%3.75%3.84%
Ember-protocolSui1.19MUSDC0%3.05%3.82%
ExactlyOP Mainnet1.75MUSDC0%3.97%3.81%
Kamino-lendSolana1.28MUSDT0%3.53%3.79%
Flux-financeEthereum2.60MUSDC0%3.72%3.72%
Lazy-summer-protocolEthereum4.05MUSDC0.36%4%3.71%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum451.1M5.92%
Avalanche14.5M3.84%
Base1162.9M6.31%
BSC554.7M5.94%
Ethereum361.7B7.79%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon000%
Solana6437.5M4.94%
TON13.6M5.74%
zkSync Era000%