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
16/10/2026 06:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableMonad1.14MUSDC0%23.47%63.82%
Harvest-financeBase1.76MUSDC0%28.62%26.04%
EnsuroEthereum1.29MUSDC0%21.57%21.39%
VerantaBase9.63MUSDC0%19.26%20.08%
AccountableEthereum1.05MUSDC0.75%15%14.25%
Rhea-lendNear1.56MUSDC0%8.76%14%
Vectis-financeEthereum1.79MUSDC0%13.86%13.94%
Rhea-lendNear1.65MUSDT0%9.38%13.18%
Ember-protocolEthereum1.64MUSDC0%12.93%12.93%
Ember-protocolEthereum2.63MUSDC0%13.06%12.9%
AccountableMonad7.07MUSDC1.13%15.64%12.53%
AccountableEthereum11.07MUSDC0%12.29%12.13%
Aave-v3Ethereum19.33MUSDC0%4.34%11.66%
AccountableMonad5.44MUSDC0.38%12.11%11.64%
Pareto-creditEthereum11.09MUSDC0%10.59%10.59%
Ember-protocolSui1.02MUSDC0%11.49%10.4%
Midas-rwaEthereum26.36MUSDC0%8.62%10.21%
Ember-protocolSui10.07MUSDC0%10.13%10.03%
AguaEthereum11.50MUSDC0%10%10%
AguaMonad9.07MUSDC0%10%10%
Compound-v3Ethereum12.51MUSDT0%3.54%9.97%
AccountableMonad74.97MUSDC0.29%11.31%9.5%
AccountableEthereum2.85MUSDC9.84%32.38%9.47%
Ember-protocolEthereum3.72MUSDC0%9.58%9.43%
Pareto-creditEthereum2.01MUSDC0%9.38%9.38%
Midas-rwaEthereum7.92MUSDC0%6.93%9.32%
Nawa-protocolZIGChain3.46MUSDC0%9.94%9.31%
Ember-protocolEthereum18MUSDC0%11.36%9.03%
AccountableEthereum3.39MUSDC0%12.18%8.86%
Centrifuge-protocolEthereum2.68MUSDT0%6.07%8.8%
Ember-protocolSui8.86MUSDC0%11.8%8.66%
Benqi-lendingAvalanche1.41MUSDC0%6.97%8.48%
Neutral-tradeSolana1.39MUSDC0%8.24%8.25%
Pareto-creditEthereum127.68MUSDC0%7.94%8.06%
Bitway-earnBSC22.79MUSDT0%8%8%
Ember-protocolSui8.50MUSDC4%12%8%
Neutral-tradeSolana2.18MUSDC0%11.28%7.78%
Coinmerce-capitalHyperliquid L11.74MUSDC0%6.43%7.64%
Sentora-curatorEthereum97.03MUSDC0%7.57%7.51%
Bitway-earnBSC1.60MUSDT0%7.5%7.5%
Midas-rwaEthereum65.91MUSDC0%7.52%7.43%
AccountableEthereum1.79MUSDC0%13.94%7.38%
AccountableMonad2.18MUSDC0.45%7.53%7.28%
Loopscale-lendingSolana1MUSDC0.12%6.91%7.22%
Loopscale-lendingSolana1MUSDC0.12%6.91%7.22%
Extra-finance-leverage-farmingBase3.26MUSDC0%6.61%7.16%
Vectis-financeSolana2.70MUSDC0%6.73%7.04%
Yearn-financeEthereum7.45MUSDC0%6.87%7.01%
Blend-pools-v2Stellar10.71MUSDC0%7.32%7.01%
Zerobase-cedefiEthereum14.19MUSDT2%9%7%
Zerobase-cedefiBase10.53MUSDC2%9%7%
Zerobase-cedefiArbitrum7.61MUSDT2%9%7%
Euler-v2Monad3.64MUSDC1.25%7.77%6.97%
Fluid-lendingEthereum134.39MUSDC0%5.09%6.91%
Fusion-by-iporEthereum1.28MUSDC0%6.26%6.87%
Aave-v3Monad13.88MUSDC0%6.12%6.86%
Zerobase-cedefiBSC16.76MUSDT2%8.76%6.76%
Zerobase-cedefiBSC1.92MUSDC2%8.76%6.76%
Harvest-financeBase1.07MUSDC0%7.01%6.62%
Pareto-creditEthereum22.09MUSDC0%6.62%6.62%
Yearn-financeEthereum11.59MUSDC0%6.72%6.54%
Harmonix-financeHyperliquid L115.29MUSDC0%6.31%6.4%
Aave-v3Avalanche4.98MUSDC0%5.59%6.28%
Midas-rwaBase51.54MUSDC0%4.62%6.2%
Midas-rwaRobinhood Chain36.04MUSDC0%4.66%6.2%
Midas-rwaEthereum29.65MUSDC0%7.32%6.19%
AccountableMonad6.67MUSDC0.46%5.83%6.13%
Midas-rwaEthereum34.06MUSDC0%6.35%6.1%
Kamino-lendSolana1.93MUSDC0%5.49%6.07%
Jupiter-lendSolana488.47MUSDC0%5.29%6.07%
Harvest-financeEthereum1.16MUSDC0%6.16%5.97%
Kamino-lendSolana5.89MUSDC0%5.1%5.96%
Kamino-lendSolana8.05MUSDC0%6.65%5.91%
Fluid-lendingArbitrum57.95MUSDC0%4.99%5.87%
Fluid-lendingBase10.99MUSDC3.45%7.72%5.85%
Gains-networkArbitrum4.27MUSDC0%31.31%5.78%
SymbioticEthereum1.01MUSDC0%3.14%5.73%
Alchemix-v3Ethereum7.91MUSDC0%5.32%5.7%
Compound-v3Ethereum35.41MUSDC0%4.72%5.66%
SymbioticEthereum1.01MUSDC0%6.16%5.63%
MapleEthereum730.29MUSDT0%5.17%5.54%
Midas-rwaEthereum3.39MUSDC0%7.02%5.36%
Midas-rwaEthereum2.53MUSDC0%7%5.36%
AutofinanceEthereum7.52MUSDC0.85%6.25%5.26%
Spectra-metavaultsBase3.03MUSDC0%3.53%4.98%
Gami-labsBase3.03MUSDC0%3.53%4.98%
Navi-lendingSui8.20MUSDC0.56%5.35%4.97%
Yearn-financeBase1.52MUSDC0%4.86%4.88%
Ember-protocolEthereum6.08MUSDC0%10.99%4.78%
Fusion-by-iporBase2.89MUSDC0%4.65%4.67%
DolomiteArbitrum1.17MUSDC0%4.6%4.59%
Yo-protocolBase7.71MUSDC0%4.35%4.55%
Yo-protocolEthereum1.47MUSDC0%4.35%4.55%
Flux-financeEthereum1.95MUSDT0%4.44%4.44%
Aave-v4Ethereum2.58MUSDC0%5.06%4.42%
Ember-protocolEthereum2.05MUSDC0%4.42%4.39%
TydroInk15.02MUSDC0%4.22%4.37%
Jupiter-lendSolana16.63MUSDT0%3.84%4.35%
ExactlyOP Mainnet1.55MUSDC0%4.34%4.34%
CurvanceMonad3.18MUSDC1.8%6.1%4.3%
ExactlyOP Mainnet1.55MUSDC0%4.29%4.3%
AutofinanceBase3.51MUSDC4.21%10.01%4.27%
Yearn-financeEthereum2.39MUSDC0%4.14%4.27%
Neutral-tradeSolana4.33MUSDC0%13.71%4.25%
ExactlyOP Mainnet1.55MUSDC0%4.23%4.25%
ExactlyOP Mainnet1.55MUSDC0%4.19%4.22%
ExactlyOP Mainnet1.55MUSDC0%4.35%4.17%
Flux-financeEthereum1.60MUSDC0%4.14%4.14%
ExactlyOP Mainnet1.55MUSDC0%4.29%4.12%
ExactlyOP Mainnet1.55MUSDC0%4.05%4.02%
Venus-core-poolBSC7.12MUSDC0%3.82%4.02%
ExactlyOP Mainnet1.55MUSDC0%2.54%4.02%
Fluid-lendingEthereum127.49MUSDT0%4.47%4.01%
Fusion-by-iporBase1.07MUSDC1.82%6.36%4%
Aave-v3Polygon1.02MDAI0%4.53%3.95%
ExactlyOP Mainnet1.55MUSDC0%3.78%3.94%
ExactlyOP Mainnet1.55MUSDC0%4.07%3.91%
Hyperlend-pooledHyperliquid L15.44MUSDC0%4.46%3.87%
Spark-savingsEthereum300.59MUSDC0%3.66%3.8%
Spark-savingsAvalanche2.61MUSDC0%3.66%3.8%
Aave-v3Base20.38MUSDC5%4.18%3.78%
Midas-rwaEthereum6.44MUSDC0%3.68%3.77%
Midas-rwaEtherlink1.13MUSDC0%3.65%3.77%
Spark-savingsEthereum715.83MUSDT0%3.59%3.75%
Aave-v3Ethereum53.72MUSDC1.81%5.93%3.74%
Centrifuge-protocolAvalanche262.96MUSDC0%3.81%3.73%
Centrifuge-protocolBase22.75MUSDC0%3.8%3.73%
Centrifuge-protocolBSC1.02MUSDC0%3.79%3.73%
SaveSolana3.99MUSDC0%3.15%3.73%
Centrifuge-protocolEthereum9.31MUSDC0%3.75%3.73%
Yearn-financeEthereum19.47MUSDC0%3.65%3.68%
Storm-tradeTON2.67MUSDT0%4.68%3.68%
Yearn-financeEthereum1.12MUSDC0%3.43%3.64%
Kamino-lendSolana1.24MUSDC0%2.66%3.58%
SparklendEthereum4.70MUSDC0%3.4%3.56%
Lista-lendingBSC2.80MUSDT0%4.06%3.56%
Midas-rwaEthereum1.72MUSDC0%7.93%3.5%
Echelon-marketAptos1.30MUSDC3.02%5.78%3.43%
Aave-v3Avalanche3.21MUSDT0%3.98%3.41%
Aave-v3Ethereum11.26MDAI0%3.26%3.4%
SparklendEthereum16.09MUSDT0%3.4%3.39%
Yearn-financeEthereum5.69MUSDT0%3.27%3.38%
Midas-rwaEthereum74.88MUSDC0%3.34%3.37%
Midas-rwaEtherlink1.22MUSDC0%3.34%3.37%
Aave-v3BSC1.80MUSDC0%3.3%3.36%
Centrifuge-protocolBase7.15MUSDC0%3.98%3.3%
Centrifuge-protocolPharos4.56MUSDC0%3.63%3.3%
Centrifuge-protocolBSC1.02MUSDC0%3.63%3.3%
Zerobase-cedefiOP Mainnet8.09MUSDT2%5.3%3.3%
Aave-v3Ethereum353.69MUSDT0%3.87%3.29%
Aave-v3Ethereum62.63MUSDT1.63%5.43%3.29%
DolomiteEthereum31.37MUSDC4.04%7.43%3.23%
Venus-core-poolBSC47.93MUSDT0%3.27%3.22%
Aave-v3Ethereum1.26MUSDC0%3.25%3.21%
Aave-v3Polygon10.33MUSDC0%3.07%3.14%
Compound-v3Arbitrum1.90MUSDC0%3.02%3.13%
Aave-v3BSC10.92MUSDT0%2.91%3.1%
Yearn-financeEthereum6.76MDAI0%2.89%3.01%
Aave-v4Ethereum5.18MUSDT0%4.14%2.91%
SparklendEthereum75.99MDAI0%2.7%2.85%
Native-credit-poolEthereum1.14MUSDC0%4.24%2.75%
Lista-lendingBSC1.33MUSDT0%3%2.54%
SaveSolana1.93MUSDT0%1.97%2.46%
Compound-v3Arbitrum5.11MUSDT0%2.48%2.35%
Aave-v3Arbitrum51.98MUSDC0%3.13%2.32%
CurrentSui1.08MUSDT2.8%6.78%2.28%
Justlend-v1Tron80.16MUSDT0%2.13%2.25%
CurrentSui23.71MUSDC4.92%8.06%1.84%
Venus-fluxBSC1.04MUSDT0%2.84%1.66%
Lista-lendingEthereum4.50MUSDC5.77%7.03%1.4%
Native-credit-poolEthereum3.77MUSDT0%2.83%1.17%
Lista-lendingEthereum3.89MUSDT5.12%5.75%1.12%
ExactlyOP Mainnet1.55MUSDC0%1.08%1.06%
Midas-rwaEtherlink4.95MUSDC0%5.25%0.8%
Aave-v4Avalanche6.49MUSDC0%4.77%0.56%
TectonicCronos1.50MUSDC0.02%0.51%0.4%
AcrossEthereum1.12MUSDT3%3.46%0.31%
Aave-v4Avalanche7.13MUSDT0%6.29%0.26%
Neutral-tradeSolana1.41MUSDC0%57.23%0.25%
CredixSolana13.41MUSDC0%0.06%0.03%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum7130M4.43%
Avalanche7288.8M3.79%
Base17161.8M7.18%
BSC13118M4.42%
Ethereum723.4B6.23%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon211.4M3.55%
Solana16555.6M5.01%
TON12.7M3.68%
zkSync Era000%