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 3.60% on Apr 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
12/04/2026 16:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bracket-vaultsEthereum2.70MUSDC0%12.24%11.78%
BitwayBSC13.17MUSDT0%11.77%11%
AvantisBase62.06MUSDC0%9.35%10.81%
Spectra-metavaultsBase5.13MUSDC2.94%92.59%10.6%
AbyssSui1.90MUSDC0%8.65%10.16%
GoldfinchEthereum37.25MUSDC0%10.03%10.06%
AutofinanceArbitrum1.79MUSDC1.94%6.85%9.93%
Blend-pools-v2Stellar10.16MUSDC0%9.3%9.04%
SymbiosisTron1.55MUSDT0%6.11%8.67%
LoopscaleSolana1.54MUSDC1.23%8.26%7.63%
Gains-networkArbitrum8.93MUSDC0%6.45%7.36%
Zerobase-cedefiEthereum14.44MUSDT2%9%7%
Zerobase-cedefiArbitrum7.94MUSDT2%9%7%
SymbiosisEthereum1.16MUSDC0%5.66%6.9%
Zerobase-cedefiBSC23.63MUSDT2%9.33%6.76%
Zerobase-cedefiBSC1.24MUSDC2%8.9%6.76%
AccountableMonad2.13MUSDC3.35%9.6%6.31%
Yearn-financeEthereum1.67MUSDC0%5.05%6.19%
AutofinanceEthereum8.48MUSDC0.63%5.36%6.06%
Harvest-financeBase2.02MUSDC0%6.01%5.58%
Project-0Solana2.13MUSDC0%4.03%5.48%
LoopscaleSolana1.59MUSDC0%4.93%5.03%
DeltaprimeAvalanche1.17MUSDC0%5.42%5%
Lazy-summer-protocolEthereum2.53MUSDC0.93%4.07%4.86%
Scallop-lendSui1.68MUSDC0%4.62%4.78%
AutofinanceEthereum8.75MUSDC0%3.99%4.78%
AutofinanceBase6.79MUSDC2.85%6.23%4.75%
Woofi-earnArbitrum1.14MUSDC0%4.74%4.74%
Wasabi-perpsBase3.60MUSDC0%4.13%4.68%
Flux-financeEthereum1.59MUSDT0%4.57%4.66%
Yo-protocolEthereum11.05MUSDC12%14.1%4.64%
Yo-protocolBase27.68MUSDC12%14.12%4.64%
Hyperlend-pooledHyperliquid L112.92MUSDC0%3.99%4.61%
Extra-finance-leverage-farmingBase4.28MUSDC0%5.09%4.54%
Euler-v2Monad1.84MUSDC0%1.09%4.27%
Yearn-financeEthereum3.71MUSDC0%4.26%4.25%
DolomiteEthereum13.93MUSDC0%5.8%4.21%
SparklendEthereum1.92MUSDC0%4.12%4.14%
Storm-tradeTon3.86MUSDT0%3.69%4.12%
Benqi-lendingAvalanche5.60MUSDC0%3.93%4.04%
ExactlyOptimism1.60MUSDC0%0.52%3.99%
ExactlyOptimism1.60MUSDC0%3.64%3.97%
Navi-lendingSui11.08MUSDC0.51%4.4%3.97%
Folks-finance-xchainPolygon1.67MUSDT0%3.63%3.95%
ExactlyOptimism1.60MUSDC0%4.23%3.93%
Yearn-financeEthereum8.79MDAI0%2.86%3.87%
LiqwidCardano1.11MUSDC0%3.29%3.87%
LiqwidCardano1.11MUSDC0%3.29%3.87%
Euler-v2Avalanche2.02MUSDC0%6.75%3.81%
Euler-v2Ethereum28.17MUSDC0%3.5%3.81%
Flux-financeEthereum2.43MUSDC0%3.87%3.77%
Benqi-lendingAvalanche2.22MUSDT0%4.54%3.77%
Spark-savingsEthereum400.67MUSDC0%3.75%3.75%
Spark-savingsAvalanche67.18MUSDC0%3.75%3.75%
NeverlandMonad17.66MUSDC4.3%8.46%3.73%
Wasabi-perpsSolana1.30MUSDC0%5.13%3.71%
ExactlyOptimism1.60MUSDC0%3.23%3.7%
Fluid-lendingBase10.01MUSDC2.12%6.29%3.65%
ExactlyOptimism1.60MUSDC0%1.24%3.65%
MapleEthereum1.96BUSDT0%3.82%3.63%
ExactlyOptimism1.60MUSDC0%3.99%3.62%
Folks-finance-lendingAlgorand2.05MUSDC0%3.44%3.62%
Yearn-financeBase2.47MUSDC0%3.27%3.61%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum419.8M7.26%
Avalanche578.2M4.07%
Base9124M5.87%
BSC338M8.17%
Ethereum182.5B5.46%
Hyperliquid000%
Mantle000%
Optimism69.6M3.81%
Polygon11.7M3.95%
Solana46.6M5.46%
TON13.9M4.12%
zkSync Era000%