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 3.71% on Jul 14 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
16/07/2026 13:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Centrifuge-protocolMonad10.04MUSDC0%5.96%18.2%
AccountableMonad55.58MUSDC0.32%12.44%17.6%
AccountableEthereum1.05MUSDC0%14.25%14.25%
Harvest-financeBase1.87MUSDC0%15.99%13.67%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Aave-v3Ethereum5.13MDAI0%4.19%13.6%
Ember-protocolEthereum7.80MUSDC0%12.83%12.9%
AccountableEthereum2.14MUSDC0%10.59%11.66%
AvantisBase21.96MUSDC0%9.65%11.39%
Midas-rwaEtherlink4.31MUSDC0%7.28%11%
Pareto-creditEthereum15.17MUSDC0%10.59%10.59%
Midas-rwaMonad1.88MUSDC0%10.56%10.57%
Midas-rwaEthereum47.46MUSDC0%10.56%10.57%
Ember-protocolSui1.20MUSDC0%10.65%10.44%
Midas-rwaEthereum73.78MUSDC0%12.64%10.24%
Ember-protocolEthereum3.30MUSDC0%9.32%10.1%
AccountableMonad8.97MUSDC0.5%9.33%10.04%
AccountableMonad5.21MUSDC0.5%10.48%10%
GoldfinchEthereum36.72MUSDC0%10.12%10%
Ember-protocolSui3.22MUSDC0%9.17%9.48%
Bracket-vaultsEthereum2.82MUSDC0%9.7%9.42%
YieldseekerBase1.89MUSDC0%8.07%9.38%
Pareto-creditEthereum2.13MUSDC0%9.38%9.38%
Midas-rwaEthereum1.98MUSDC0%9.74%9.2%
Ember-protocolSui1.09MUSDC0%9.49%8.93%
AccountableEthereum4.03MUSDC10.04%15.18%8.83%
Midas-rwaEthereum7.72MUSDC0%8.82%8.79%
Blend-pools-v2Stellar11.10MUSDC0%6.91%8.44%
Pareto-creditEthereum154.41MUSDC0%8.31%8.31%
Midas-rwaEthereum29.02MUSDC0%3.1%8.27%
Harmonix-financeHyperliquid L120.68MUSDC0%9.23%8.24%
Ember-protocolSui6.93MUSDC4%12%8%
Bitway-earnBSC23.28MUSDT0%8.96%8%
Midas-rwaEthereum4.54MUSDC0%6.13%7.82%
Pareto-creditEthereum21.81MUSDC0%7.13%7.13%
Midas-rwaEthereum6.64MUSDC0%7.76%7.12%
Midas-rwaEthereum2.49MUSDC0%7.75%7.12%
AccountableMonad1.62MUSDC0.5%7.34%7.03%
Ember-protocolSui1.36MUSDC0%8.13%7%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
Gami-labsStellar16.45MUSDC0%7%7%
Yearn-financeEthereum6.13MUSDC0%5.78%6.89%
Zerobase-cedefiBSC1.95MUSDC2%8.76%6.76%
Zerobase-cedefiBSC21.50MUSDT2%8.76%6.76%
Centrifuge-protocolMonad4.53MUSDC0%3.47%6.71%
Extra-finance-leverage-farmingBase3.46MUSDC0%6.43%6.47%
Lista-lendingBSC5.06MUSDT0%4.42%6.39%
AutofinanceEthereum8.66MUSDC0.41%6.51%6.28%
LoopscaleSolana4.31MUSDC0.27%7.94%6.2%
Lista-lendingBSC2.02MUSDT0.86%6.49%6.18%
Yearn-financeEthereum9.07MUSDC0%5.84%6.07%
Kamino-lendSolana6.57MUSDC0%7.02%5.97%
Hyperlend-pooledHyperliquid L110.53MUSDC0%6.59%5.95%
Fusion-by-iporEthereum2.88MUSDC0%6.2%5.93%
Storm-tradeTON3.61MUSDT0%5.95%5.74%
Fluid-lendingArbitrum35.81MUSDC0%5.82%5.64%
Lista-lendingBSC6MUSDT0%4.67%5.59%
Yearn-financeEthereum1.19MUSDC0%4.52%5.36%
Navi-lendingSui6.02MUSDC0.44%5.84%5.24%
AutofinanceBase5.97MUSDC2.19%7.28%5.22%
SymbiosisTron1.41MUSDT0%6.11%5.1%
DolomiteArbitrum1.15MUSDC0%4.4%5.06%
Fluid-lendingBase8.76MUSDC0%5.55%5.04%
Ember-protocolSui1.11MUSDC4.81%11.95%5.02%
AmpleBase4.30MUSDC0%4.53%4.96%
Yearn-financeBase1.76MUSDC0%4.91%4.94%
Midas-rwaEtherlink1.11MUSDC0%3.4%4.81%
Midas-rwaEthereum7.42MUSDC0%3.41%4.81%
Gains-networkArbitrum6.69MUSDC0%5.86%4.65%
Fluid-lendingEthereum9.44MUSDC0%5.7%4.49%
Fluid-lendingEthereum142.60MUSDC0%6.19%4.49%
Kamino-lendSolana6.39MUSDC0%4.71%4.46%
Flux-financeEthereum1.90MUSDT0%4.46%4.45%
Native-credit-poolEthereum5.44MUSDC0%3.58%4.36%
ExactlyOP Mainnet1.77MUSDC0%4.19%4.31%
ExactlyOP Mainnet1.77MUSDC0%4.17%4.23%
ExactlyOP Mainnet1.77MUSDC0%4.11%4.21%
Native-credit-poolBSC5MUSDT0%3.84%4.21%
ExactlyOP Mainnet1.77MUSDC0%4.08%4.15%
ExactlyOP Mainnet1.77MUSDC0%4.01%4.14%
Yo-protocolBase10.15MUSDC0%4.2%4.1%
Yo-protocolEthereum2.38MUSDC0%4.2%4.1%
MapleEthereum0.97BUSDT0%4.07%4.07%
Euler-v2Monad2.20MUSDC2.63%5.88%4.06%
ExactlyOP Mainnet1.77MUSDC0%3.97%4.03%
Scallop-lendSui1.03MUSDC0%4.46%4.03%
Scallop-lendSui1.03MUSDC0%4.46%4.03%
ExactlyOP Mainnet1.77MUSDC0%3.83%4.02%
Moonwell-lendingBase2.43MUSDC0.34%5.12%3.97%
SymbiosisEthereum1.21MUSDC0%6.19%3.96%
ExactlyOP Mainnet1.77MUSDC0%3.66%3.94%
Benqi-lendingAvalanche4.52MUSDC0%3.77%3.85%
Native-credit-poolEthereum1.99MUSDT0%3.07%3.85%
ExactlyOP Mainnet1.77MUSDC0%4%3.84%
Kamino-lendSolana1.27MUSDT0%3.47%3.83%
Fluid-lendingEthereum147.50MUSDT0%5.63%3.82%
Aave-v3Avalanche5.55MUSDC0%3.33%3.74%
Flux-financeEthereum2.60MUSDC0%3.72%3.72%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum451.3M5.59%
Avalanche210.1M3.8%
Base1062.6M6.91%
BSC764.8M6.27%
Ethereum371.8B7.54%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon000%
Solana418.5M5.11%
TON13.6M5.74%
zkSync Era000%