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 3.69% on Jul 09 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
13/07/2026 13:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Centrifuge-protocolMonad10.04MUSDC0%4.65%19.93%
AccountableEthereum1.04MUSDC0%14.27%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Harvest-financeBase1.87MUSDC0%17.02%12.97%
Ember-protocolEthereum6.11MUSDC0%12.81%12.9%
AccountableMonad47.25MUSDC0.41%11.87%11.6%
Pareto-creditEthereum15.17MUSDC0%10.59%10.59%
Midas-rwaEthereum46.05MUSDC0%10.55%10.58%
Midas-rwaMonad2.94MUSDC0%10.55%10.58%
Ember-protocolSui1.09MUSDC0%9.57%10.32%
Midas-rwaEthereum73.43MUSDC0%13.06%10.3%
GoldfinchEthereum36.72MUSDC0%10.12%10.12%
Hyperlend-pooledHyperliquid L18.30MUSDC0%6.27%10.08%
AccountableMonad8.97MUSDC0.5%9.13%10.06%
AccountableMonad5.20MUSDC0.5%10.43%10%
Ember-protocolSui2.84MUSDC0%9.29%9.82%
Ember-protocolEthereum3.28MUSDC0%9.3%9.47%
Bracket-vaultsEthereum2.75MUSDC0%9.78%9.45%
Pareto-creditEthereum2.13MUSDC0%9.38%9.38%
Midas-rwaEtherlink3.77MUSDC0%6.64%9.25%
YieldseekerBase1.90MUSDC0%7.9%9.24%
Midas-rwaEthereum1.98MUSDC0%9.83%9.22%
Midas-rwaEthereum7.75MUSDC0%8.81%9%
Ember-protocolSui1.36MUSDC0%8.34%8.77%
Ember-protocolSui5.80MUSDC0%6.1%8.54%
AvantisBase29.12MUSDC0%9.76%8.53%
Pareto-creditEthereum153.35MUSDC0%8.31%8.31%
Harmonix-financeHyperliquid L120.51MUSDC0%9.4%8.17%
LazyEthereum1.03MUSDC0%8.73%8.14%
LazyEthereum1.03MUSDC0%8.73%8.14%
AccountableEthereum4.03MUSDC10.02%14.49%8.11%
Bitway-earnBSC23.27MUSDT0%9.17%8%
Ember-protocolSui7MUSDC4%12%8%
Blend-pools-v2Stellar11.94MUSDC0%6.8%7.37%
LoopscaleSolana1.11MUSDC0.32%7.99%7.36%
Pareto-creditEthereum21.80MUSDC0%7.13%7.13%
AccountableMonad1.64MUSDC0.5%7.34%7.03%
Gami-labsStellar15.17MUSDC0%7%7%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Zerobase-cedefiArbitrum7.63MUSDT2%9%7%
Centrifuge-protocolPlume Mainnet32.97MUSDC0%4.02%6.98%
Extra-finance-leverage-farmingBase3.34MUSDC0%6.6%6.98%
Ember-protocolSui1.12MUSDC6.39%12.2%6.84%
Yearn-financeEthereum5.67MUSDC0%5.6%6.82%
Harvest-financeEthereum1.13MUSDC0%7.68%6.81%
Ember-protocolSui1.20MUSDC0%10.86%6.79%
Zerobase-cedefiBSC21.40MUSDT2%8.76%6.76%
Zerobase-cedefiBSC1.94MUSDC2%8.76%6.76%
AutofinanceEthereum8.66MUSDC0.41%6.44%6.61%
Midas-rwaEthereum6.64MUSDC0%7.88%6.57%
Midas-rwaEthereum2.49MUSDC0%7.87%6.57%
Kamino-lendSolana4.60MUSDC0%6.84%6.39%
Fusion-by-iporEthereum1.92MUSDC0%6.11%6.09%
SparklendEthereum15.70MUSDT0%3.19%6.05%
Storm-tradeTON3.62MUSDT0%5.96%5.76%
Native-credit-poolEthereum5.40MUSDC0%3.45%5.73%
Fluid-lendingEthereum122.92MUSDT0%5.69%5.62%
Yearn-financeEthereum8.98MUSDC0%5.67%5.62%
Native-credit-poolBSC5.05MUSDT0%3.73%5.59%
Fluid-lendingArbitrum38.81MUSDC0%5.77%5.58%
AutofinanceBase5.94MUSDC2.09%7.29%5.55%
Fluid-lendingEthereum133.70MUSDC0%6.26%5.5%
Fluid-lendingEthereum9.43MUSDC0%5.65%5.5%
Navi-lendingSui5.89MUSDC0.44%5.89%5.26%
Fluid-lendingBase8.87MUSDC0%5.55%5.12%
SymbiosisTron1.47MUSDT0%6.15%5.09%
DolomiteArbitrum1.15MUSDC0%4.21%5.08%
Yearn-financeEthereum1.19MUSDC0%4.37%4.99%
Yearn-financeBase1.76MUSDC0%4.88%4.96%
AccountableEthereum2.14MUSDC0%9.76%4.85%
SymbiosisEthereum1.47MUSDC0%6.5%4.84%
Aave-v3Avalanche2.15MUSDT0%3.56%4.77%
Native-credit-poolEthereum2.10MUSDT0%3.01%4.73%
Kamino-lendSolana6.41MUSDC0%4.7%4.51%
Flux-financeEthereum1.90MUSDT0%4.47%4.45%
Midas-rwaEthereum4.54MUSDC0%5.87%4.4%
Lista-lendingBSC1.97MUSDT0.87%6.57%4.38%
ExactlyOP Mainnet1.67MUSDC0%4.18%4.29%
Centrifuge-protocolMonad4.52MUSDC0%3.2%4.28%
Kamino-lendSolana1.65MUSDC0%4.38%4.24%
Benqi-lendingAvalanche3.76MUSDC0%3.75%4.2%
ExactlyOP Mainnet1.67MUSDC0%4.16%4.2%
ExactlyOP Mainnet1.67MUSDC0%4.1%4.19%
Kamino-lendSolana13.03MUSDC0%4.47%4.18%
MapleEthereum1.01BUSDT0%4.1%4.13%
ExactlyOP Mainnet1.67MUSDC0%4.07%4.12%
ExactlyOP Mainnet1.67MUSDC0%3.99%4.08%
Euler-v2Monad2.21MUSDC3.14%5.64%4.07%
Yo-protocolBase10.13MUSDC0%4.28%4.06%
Yo-protocolEthereum2.38MUSDC0%4.28%4.06%
TermmaxBase1.20MUSDC0%4.1%4.04%
Midas-rwaEthereum7.15MUSDC0%3.21%4.03%
Midas-rwaEtherlink1.11MUSDC0%3.21%4.03%
AmpleBase4.30MUSDC0%4.52%4.02%
ExactlyOP Mainnet1.67MUSDC0%3.97%4%
Moonwell-lendingBase2.47MUSDC0.35%5.35%3.98%
Folks-finance-xchainPolygon1.28MUSDT0%3.97%3.94%
Scallop-lendSui1.06MUSDC0%4.67%3.92%
ExactlyOP Mainnet1.67MUSDC0%3.8%3.92%
ExactlyOP Mainnet1.67MUSDC0%3.68%3.9%
Gains-networkArbitrum7.38MUSDC0%6.73%3.89%
ExactlyOP Mainnet1.67MUSDC0%4.03%3.85%
Lazy-summer-protocolEthereum4.04MUSDC0.88%3.92%3.75%
Jupiter-lendSolana417.31MUSDC0.72%4.76%3.75%
Aave-v3Polygon1.12MDAI0%4.8%3.72%
Flux-financeEthereum2.59MUSDC0%3.72%3.72%
Lista-lendingBSC6.13MUSDT0%4.64%3.7%
TermmaxEthereum4.91MUSDC0%3.34%3.69%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum455M5.39%
Avalanche25.9M4.49%
Base1170.9M6.31%
BSC659.8M5.87%
Ethereum411.8B7.01%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon22.4M3.83%
Solana6444.1M5.07%
TON13.6M5.76%
zkSync Era000%