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
12/09/2026 12:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Harvest-financeBase2.13MUSDC0%22.62%132.59%
Gains-networkArbitrum4.71MUSDC0%11.31%27.15%
AccountableEthereum1.81MUSDC20.31%29.19%24.04%
AvantisBase10.54MUSDC0%7.33%18.98%
EnsuroEthereum1.15MUSDC0%21.56%18.68%
AccountableMonad7.50MUSDC0.93%17.74%16.91%
Neutral-tradeSolana2.34MUSDC0%11.03%15.62%
AccountableEthereum1.07MUSDC0%15.27%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Neutral-tradeSolana2.25MUSDC0%28.25%13.19%
Ember-protocolEthereum1.64MUSDC0%23.33%12.93%
Ember-protocolEthereum6.93MUSDC0%12.86%12.9%
AccountableEthereum11.74MUSDC0%11.94%12.51%
Midas-rwaEthereum26.37MUSDC0%4.82%11.87%
AccountableMonad5.04MUSDC0.43%12.11%11.64%
Nawa-protocolZIGChain3.43MUSDC0%8.64%11.64%
Neutral-tradeSolana1.17MUSDC0%9.2%11.6%
AccountableMonad74.99MUSDC0.27%12.64%11.4%
Pareto-creditEthereum11.01MUSDC0%10.59%10.59%
Ember-protocolEthereum10.28MUSDC0%9.71%10.13%
AguaEthereum5.10MUSDC0%10%10%
Ember-protocolSui8.09MUSDC0%10.2%10%
Ember-protocolEthereum3.32MUSDC0%9.56%9.41%
Pareto-creditEthereum2.18MUSDC0%9.38%9.38%
Fusion-by-iporEthereum1.24MUSDC0%7.75%9.26%
Ember-protocolSui1.37MUSDC0%10.01%9.02%
Benqi-lendingAvalanche1.33MUSDC0%4.73%8.76%
Bitway-earnBSC25.33MUSDT0%8%8%
Ember-protocolSui9.23MUSDC4%12%8%
YieldseekerBase1.04MUSDC0%8.68%7.91%
Pareto-creditEthereum148.58MUSDC0%7.95%7.82%
Midas-rwaEthereum65.21MUSDC0%8.26%7.67%
Harvest-financeBase1.04MUSDC0%6.76%7.62%
Midas-rwaEthereum1.70MUSDC0%9.41%7.58%
Bitway-earnBSC6.71MUSDT0%7.03%7.5%
Midas-rwaEthereum7.60MUSDC0%8.07%7.4%
Blend-pools-v2Stellar10.49MUSDC0%6.83%7.25%
Midas-rwaEthereum67.34MUSDC0%7.13%7.13%
Harmonix-financeHyperliquid L120.75MUSDC0%6.72%7.13%
Midas-rwaEthereum31.56MUSDC0%6.43%7.12%
Zerobase-cedefiEthereum14.07MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.63MUSDT2%9%7%
Yearn-financeEthereum6.08MUSDC0%6.64%6.96%
LoopscaleSolana1.43MUSDC0.32%6.97%6.85%
AccountableMonad1.63MUSDC0.36%7.58%6.79%
Zerobase-cedefiBSC18.52MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.01MUSDC2%8.76%6.76%
Midas-rwaEthereum6.72MUSDC0%7.47%6.64%
Midas-rwaEthereum2.52MUSDC0%7.49%6.64%
Pareto-creditEthereum22.01MUSDC0%7.04%6.62%
Fusion-by-iporBase1.04MUSDC0%6.22%6.61%
Yearn-financeEthereum9.20MUSDC0%6.64%6.58%
Sentora-curatorEthereum73.09MUSDC0%6.64%6.56%
SymbiosisEthereum1.54MUSDC0%4.97%6.14%
Fusion-by-iporEthereum1.28MUSDC0%6%6.04%
Extra-finance-leverage-farmingBase3.85MUSDC0%6.8%5.97%
Kamino-lendSolana8.72MUSDC0%7.23%5.96%
AutofinanceBase3.57MUSDC5.18%8.51%5.8%
Fusion-by-iporEthereum2.39MUSDC0%5.96%5.76%
Alchemix-v3Ethereum7.68MUSDC0%5.1%5.6%
Harvest-financeEthereum1.16MUSDC0%9.53%5.58%
AccountableMonad9.27MUSDC0.42%6.77%5.38%
Euler-v2Monad1.25MUSDC1.25%8.7%5.36%
Storm-tradeTON2.86MUSDT0%5.41%5.32%
Neutral-tradeSolana3.35MUSDC0%5.18%5.32%
Hyperlend-pooledHyperliquid L118.03MUSDC0%5.89%5.32%
AutofinanceEthereum7.70MUSDC0.95%6.01%5.26%
Yearn-financeBase1.71MUSDC0%5%5.04%
Ember-protocolEthereum17.32MUSDC0%9.03%5%
Centrifuge-protocolAvalanche262.25MUSDC0%5.11%4.99%
Centrifuge-protocolBase50.57MUSDC0%5.11%4.99%
Centrifuge-protocolEthereum9.29MUSDC0%5.15%4.99%
Lista-lendingBSC2.52MUSDT0.78%6.94%4.97%
AccountableEthereum3.21MUSDC0%11.67%4.95%
Native-credit-poolEthereum1.14MUSDC0%4.73%4.93%
Fluid-lendingBase9.19MUSDC0%5%4.9%
Navi-lendingSui7.53MUSDC0.41%5.55%4.88%
Kamino-lendSolana2.40MUSDC0%5.78%4.75%
MapleEthereum872MUSDT0%4.49%4.65%
Aave-v3Avalanche5.45MUSDC0%3.85%4.47%
Flux-financeEthereum1.89MUSDT0%4.43%4.47%
Fusion-by-iporBase1.13MUSDC3.5%7.48%4.43%
Yearn-financeBase1.01MUSDC0%4.4%4.42%
Yearn-financeBase1.01MUSDC0%4.4%4.42%
ExactlyOP Mainnet1.72MUSDC0%4.38%4.39%
Fluid-lendingEthereum154.72MUSDC0%4.92%4.36%
Fluid-lendingEthereum3.94MUSDC0%4.92%4.36%
ExactlyOP Mainnet1.72MUSDC0%4.32%4.33%
Fluid-lendingEthereum134.78MUSDT0%4.8%4.33%
ExactlyOP Mainnet1.72MUSDC0%4.28%4.33%
Kamino-lendSolana3.87MUSDC0%5.83%4.29%
Ember-protocolEthereum2.04MUSDC0%3.65%4.27%
ExactlyOP Mainnet1.72MUSDC0%4.22%4.27%
Yo-protocolBase8.40MUSDC0%4.08%4.24%
Yo-protocolEthereum1.35MUSDC0%4.08%4.24%
ExactlyOP Mainnet1.72MUSDC0%4.2%4.19%
ExactlyOP Mainnet1.72MUSDC0%4.1%4.18%
DolomiteArbitrum1.40MUSDC0%4.37%4.15%
Aave-v3Monad15.78MUSDC1.86%5.51%4.14%
ExactlyOP Mainnet1.72MUSDC0%3.92%4.12%
Fluid-lendingArbitrum61.88MUSDC0%4.26%4.1%
Compound-v3Ethereum36.67MUSDC0%4.69%4.09%
TermmaxEthereum3.32MUSDC0%4.07%4.05%
Aave-v4Ethereum2.01MUSDC0%4.09%4.04%
Yearn-financeEthereum2.39MUSDC0%3.75%3.98%
CurvanceMonad3.30MUSDC2.09%5.35%3.97%
Aave-v3Polygon1.02MDAI0%4.07%3.94%
Jupiter-lendSolana17.48MUSDT0%3.95%3.82%
ExactlyOP Mainnet1.72MUSDC0%3.98%3.82%
Yearn-financeEthereum19.84MUSDC0%3.57%3.78%
Midas-rwaEthereum3.49MUSDC0%3.78%3.78%
Yearn-financeEthereum1.11MUSDC0%3.9%3.76%
Flux-financeEthereum2.59MUSDC0%3.73%3.73%
ExactlyOP Mainnet1.72MUSDC0%3.31%3.73%
AmpleBase4.38MUSDC0%4.06%3.72%
TydroInk12.85MUSDC0%3.34%3.7%
Kamino-lendSolana1.68MUSDT0%4.18%3.69%
Kamino-lendSolana1.95MUSDC0%4.95%3.6%
Spark-savingsEthereum314.42MUSDC0%3.54%3.6%
Spark-savingsAvalanche9.48MUSDC0%3.54%3.6%
SparklendEthereum2.04MUSDC0%3.5%3.54%
Aave-v3Avalanche2.63MUSDT0%3.91%3.53%
Aave-v3Ethereum202.73MUSDC0%3.86%3.52%
Aave-v3Ethereum58.33MUSDC1.67%5.39%3.52%
Aave-v3Base24.92MUSDC0%3.53%3.51%
Kamino-lendSolana23.61MUSDC0%4.92%3.5%
Spark-savingsEthereum376.72MUSDT0%3.17%3.5%
Jupiter-lendSolana481.06MUSDC0.37%5.01%3.48%
SparklendEthereum18.79MUSDT0%3.3%3.39%
Yearn-financeEthereum5.78MUSDT0%3.19%3.35%
Midas-rwaEthereum72.54MUSDC0%3.29%3.33%
Midas-rwaEtherlink1.22MUSDC0%3.29%3.33%
Yearn-financeEthereum7.44MDAI0%3.23%3.33%
Native-credit-poolEthereum1.82MUSDT0%3.21%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Aave-v3BSC1.85MUSDC0%2.93%3.29%
Aave-v4Ethereum1.54MUSDT0%3.18%3.25%
SaveSolana5.47MUSDC0%2.62%3.22%
Aave-v3Ethereum418.16MUSDT0%3.33%3.18%
Aave-v3Ethereum71.16MUSDT1.43%4.76%3.18%
DolomiteEthereum32.62MUSDC3.8%7.47%3.16%
Native-credit-poolBSC1.56MUSDT0%3.08%3.14%
Compound-v3Ethereum22.97MUSDT0%3.09%3.14%
Aave-v3Ethereum1.23MUSDC0%2.69%3.06%
Aave-v3Ethereum17.77MDAI0%2.77%3.06%
Benqi-lendingAvalanche1.23MUSDT0%3.7%3.03%
Aave-v3Polygon12.01MUSDC0%2.84%2.88%
Venus-core-poolBSC13.56MUSDC0%2.24%2.88%
Centrifuge-protocolMonad4.55MUSDC0%3.18%2.88%
Centrifuge-protocolPharos4.40MUSDC0%3.44%2.88%
Aave-v3BSC11.62MUSDT0%2.41%2.86%
Compound-v3Arbitrum3.01MUSDC0%2.79%2.86%
Aave-v3Arbitrum28.87MUSDC0%2.49%2.77%
Aave-v3OP Mainnet1.96MUSDC0%2.51%2.7%
Venus-fluxBSC1.99MUSDT0%2.49%2.69%
Lista-lendingBSC2.51MUSDT0%2.35%2.68%
Midas-rwaEthereum6.43MUSDC0%7.19%2.63%
Midas-rwaEtherlink1.12MUSDC0%7.18%2.63%
Venus-core-poolBSC66.41MUSDT0%2.47%2.59%
Compound-v3Arbitrum4.15MUSDT0%2.52%2.58%
Midas-rwaEtherlink4.84MUSDC0%9.28%2.58%
Justlend-v1Tron66.37MUSDT0%2.3%2.47%
SparklendEthereum99.92MDAI0%2.27%2.46%
Centrifuge-protocolEthereum1.97MUSDT0%2.42%2.37%
Aave-v4Ethereum1.27MUSDC0%1.79%2.21%
NeverlandMonad1.41MUSDC7.63%9.3%2.07%
Aave-v4Avalanche1.67MUSDC3.13%3.94%1.99%
Echelon-marketAptos1.31MUSDC1.64%3.35%1.98%
SaveSolana2.33MUSDT0%1.62%1.88%
Aave-v3Arbitrum1.18MDAI0%1.98%1.87%
Aave-v3Sonic1.15MUSDC0%1.85%1.85%
Centrifuge-protocolEthereum1.87MUSDC0%2.47%1.8%
CurrentSui16.24MUSDC6.04%9.4%1.8%
Lista-lendingBSC2.47MUSDT0%1.48%1.47%
Spectra-metavaultsBase3.03MUSDC0%2.22%1.44%
Gami-labsBase3.03MUSDC0%2.2%1.44%
Kamino-lendSolana3.80MUSDC0%0.59%0.95%
Lista-lendingEthereum4.92MUSDC6.13%7.01%0.92%
ExactlyOP Mainnet1.72MUSDC0%0.93%0.9%
Zest-v2Stacks10.09MUSDC0%0.64%0.8%
TectonicCronos1.15MUSDC0.03%0.23%0.66%
AcrossEthereum1.58MUSDT1.3%1.4%0.6%
Lista-lendingEthereum3.44MUSDT5.23%5.88%0.47%
AcrossEthereum1.10MUSDC4.33%4.27%0.19%
CredixSolana13.46MUSDC0%0.05%0.07%
Aave-v4Avalanche3.58MUSDT6.64%4.1%0.07%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum8112.8M6.56%
Avalanche8287.6M3.81%
Base19142.1M12.37%
BSC13157.1M4.28%
Ethereum773.6B5.76%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon213M3.41%
Solana17576.4M5.4%
TON12.9M5.32%
zkSync Era000%