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 3.73% on Jul 08 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
10/07/2026 13:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Centrifuge-protocolMonad10.03MUSDC0%2.73%16.48%
AccountableEthereum1.04MUSDC0%14.28%14.25%
AccountableEthereum1.04MUSDC0%14.28%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Harvest-financeBase1.86MUSDC0%17.59%12.99%
Ember-protocolEthereum6.10MUSDC0%12.77%12.9%
AccountableEthereum2.13MUSDC0%8.76%11.71%
AccountableMonad50.78MUSDC0.39%11.7%11.6%
Midas-rwaEthereum1.98MUSDC0%9.94%10.71%
Midas-rwaMonad2.94MUSDC0%10.55%10.54%
Midas-rwaEthereum45.94MUSDC0%10.55%10.54%
GoldfinchEthereum36.72MUSDC0%10.12%10.12%
AccountableMonad5.20MUSDC0.5%10.38%10%
Midas-rwaEthereum73.21MUSDC0%13.65%10%
Ember-protocolSui1.09MUSDC0%9.09%9.73%
AccountableMonad8.97MUSDC0.5%9.32%9.69%
Ember-protocolSui1.20MUSDC0%11.54%9.52%
Bracket-vaultsEthereum2.65MUSDC0%9.86%9.48%
Hyperlend-pooledHyperliquid L18.37MUSDC0%6.14%9.36%
Ember-protocolEthereum3.28MUSDC0%9.19%9.19%
Midas-rwaEthereum6.64MUSDC0%8.14%8.9%
Midas-rwaEthereum2.49MUSDC0%8.13%8.9%
YieldseekerBase1.89MUSDC0%7.88%8.89%
Harmonix-financeHyperliquid L121.64MUSDC0%9.54%8.88%
Midas-rwaEthereum7.74MUSDC0%8.85%8.58%
Ember-protocolSui2.82MUSDC0%9.29%8.48%
AvantisBase29.37MUSDC0%9.83%8.32%
Ember-protocolSui7MUSDC4%12%8%
Bitway-earnBSC23.25MUSDT0%9.37%8%
Blend-pools-v2Stellar11.91MUSDC0%6.81%7.39%
LoopscaleSolana1.20MUSDC0.32%8.03%7.38%
Midas-rwaEtherlink3.77MUSDC0%6.11%7.18%
Extra-finance-leverage-farmingBase3.30MUSDC0%6.64%7.04%
AccountableMonad2.94MUSDC0.5%7.4%7.03%
Zerobase-cedefiArbitrum7.63MUSDT2%9%7%
Gami-labsStellar15.16MUSDC0%7%7%
Zerobase-cedefiEthereum14.13MUSDT2%9%7%
Ember-protocolSui1.12MUSDC5.05%12.02%6.81%
Zerobase-cedefiBSC1.93MUSDC2%8.76%6.76%
Zerobase-cedefiBSC21.42MUSDT2%8.76%6.76%
Yearn-financeEthereum5.69MUSDC0%5.32%6.74%
AccountableEthereum4.03MUSDC10.02%13.81%6.46%
Fusion-by-iporEthereum1.92MUSDC0%6.14%6.44%
AutofinanceEthereum8.13MUSDC0.4%6.38%6.35%
Ember-protocolSui1.36MUSDC0%8.17%6.33%
Kamino-lendSolana4.97MUSDC0%6.86%6.27%
Harvest-financeEthereum1.13MUSDC0%7.81%6.12%
SparklendEthereum16.49MUSDT0%2.85%6.04%
Fluid-lendingBase8.51MUSDC0%5.5%5.85%
Storm-tradeTON3.61MUSDT0%5.97%5.8%
Fluid-lendingEthereum133.57MUSDC0%6.37%5.57%
Fluid-lendingEthereum9.39MUSDC0%5.63%5.57%
Yearn-financeEthereum8.98MUSDC0%5.57%5.49%
Lista-lendingBSC5.15MUSDT0%4.5%5.4%
SymbiosisTron1.51MUSDT0%6.28%5.3%
Fluid-lendingArbitrum39.09MUSDC0%5.89%5.29%
Navi-lendingSui6.07MUSDC0.44%5.99%5.2%
AutofinanceBase5.99MUSDC2.09%7.37%5.18%
Aave-v3Ethereum148.46MUSDT0%2.44%5.05%
Yearn-financeBase1.75MUSDC0%4.81%5.03%
SymbiosisEthereum1.36MUSDC0%6.95%5.01%
Fluid-lendingEthereum126.45MUSDT0%5.63%4.96%
Euler-v2Monad2.16MUSDC3.14%5.3%4.95%
Yearn-financeEthereum1.18MUSDC0%4.22%4.94%
Lista-lendingBSC6.13MUSDT0%4.85%4.72%
Euler-v2Ethereum7.09MUSDC0%3.03%4.7%
Kamino-lendSolana6MUSDC0%4.8%4.67%
Kamino-lendSolana9.83MUSDC0%4.39%4.52%
Flux-financeEthereum1.90MUSDT0%4.48%4.45%
Kamino-lendSolana1.57MUSDC0%4.26%4.42%
Midas-rwaEthereum4.54MUSDC0%6.18%4.4%
Aave-v3Avalanche2.28MUSDT0%3.52%4.34%
DolomiteArbitrum1.44MUSDC0%4.1%4.34%
Centrifuge-protocolBase2.22MUSDC0%4.16%4.29%
Centrifuge-protocolEthereum5.87MUSDC0%4.16%4.29%
ExactlyOP Mainnet1.73MUSDC0%4.17%4.28%
Lista-lendingBSC1.81MUSDT1.27%6.54%4.26%
ExactlyOP Mainnet1.73MUSDC0%4.15%4.2%
ExactlyOP Mainnet1.73MUSDC0%4.08%4.18%
MapleEthereum1.02BUSDT0%4.12%4.17%
ExactlyOP Mainnet1.73MUSDC0%4.06%4.11%
Yo-protocolBase10.42MUSDC0%4.26%4.1%
Yo-protocolEthereum2.38MUSDC0%4.26%4.1%
ExactlyOP Mainnet1.73MUSDC0%3.97%4.07%
AmpleBase4.29MUSDC0%4.62%4.03%
Midas-rwaEtherlink1.11MUSDC0%3.03%4.03%
Midas-rwaEthereum7.15MUSDC0%3.03%4.03%
ExactlyOP Mainnet1.73MUSDC0%3.96%4%
Folks-finance-xchainPolygon1.26MUSDT0%3.99%3.96%
ExactlyOP Mainnet1.73MUSDC0%3.78%3.91%
Centrifuge-protocolPlume Mainnet32.96MUSDC0%3.35%3.9%
ExactlyOP Mainnet1.73MUSDC0%4.05%3.89%
ExactlyOP Mainnet1.73MUSDC0%3.7%3.88%
TermmaxBase1.20MUSDC0%4.1%3.85%
Benqi-lendingAvalanche4.47MUSDC0%3.73%3.82%
Moonwell-lendingBase2.83MUSDC0.35%5.51%3.8%
Jupiter-lendSolana414.39MUSDC0.73%4.72%3.78%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum348.2M5.54%
Avalanche26.8M4.08%
Base1273.6M6.11%
BSC659.7M5.98%
Ethereum341.7B7.39%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.3M3.96%
Solana6438M5.17%
TON13.6M5.8%
zkSync Era000%