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 3.61% on Feb 12 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
17/02/2026 08:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Euler-v2Avalanche2.95MUSDT0%31.01%31.01%
Bracket-vaultsEthereum3.28MUSDC0%14.79%14.02%
AvantisBase88.87MUSDC0%11.33%12.41%
Blend-pools-v2Stellar1.52MUSDC0.74%13.67%11.78%
Blend-pools-v2Stellar6.80MUSDC0%11.2%10.66%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
Ipor-fusionEthereum3.92MUSDT0%7.06%7.75%
Woofi-earnArbitrum1.20MUSDC0%7.11%7.06%
Harvest-financeBase4.21MUSDC0%6.35%6.61%
LoopscaleSolana1.64MUSDC0.75%7.59%6.51%
AutofinanceEthereum18.97MUSDC0.31%8.53%6.42%
DeltaprimeAvalanche1.36MUSDC0%6.55%5.94%
Euler-v2Avalanche1.19MUSDC0%5.82%5.82%
Harmonix-financeArbitrum1.17MUSDC0%5.41%5.69%
WasabiSolana1.70MUSDC0%7.69%5.66%
SymbiosisEthereum1.02MUSDC0%5.96%5.58%
Hyperlend-pooledHyperliquid L113.19MUSDC0%5.94%5.52%
WasabiBase6.50MUSDC0%6.59%5.48%
Yearn-financeEthereum1.42MUSDC0%5.66%5.44%
Yo-protocolBase29.58MUSDC14%15.62%5.26%
LoopscaleSolana1.28MUSDC1.95%7.69%5.21%
Euler-v2Ethereum40.27MUSDC0%4.92%5.21%
Scallop-lendSui1.79MUSDC0%5.5%5.21%
Echelon-marketAptos7.16MUSDC0%4.85%5.05%
Euler-v2Avalanche7.45MUSDC0%5.33%4.99%
Euler-v2Avalanche2.08MUSDC0%7.83%4.99%
Gains-networkBase2.08MUSDC0%9.27%4.87%
Gains-networkArbitrum12.40MUSDC0%10.54%4.87%
Silo-v2Avalanche1.56MUSDC0%8.08%4.81%
Ipor-fusionBase1.70MUSDC0%6.96%4.77%
Yearn-financeEthereum7.53MUSDT0%4.61%4.75%
AutofinanceBase17.99MUSDC1.54%7.19%4.75%
Extra-finance-leverage-farmingBase4.09MUSDC0%5.34%4.7%
Euler-v2Ethereum26.83MUSDC0%4.66%4.66%
SymbiosisTron1.32MUSDT0%4.88%4.65%
NeverlandMonad4.07MUSDC6.6%13.14%4.64%
Flux-financeEthereum1.61MUSDT0%4.61%4.63%
LiqwidCardano2.65MUSDC1.58%11.17%4.45%
DolomiteEthereum11.41MUSDC0%4.54%4.33%
ExactlyOptimism1.68MUSDC0%4.38%4.26%
Euler-v2Arbitrum1.08MUSDC0%6.31%4.26%
ExactlyOptimism1.68MUSDC0%4.21%4.24%
Flux-financeEthereum1.44MUSDC0%4.17%4.19%
ExactlyOptimism1.68MUSDC0%4.22%4.19%
AutofinanceArbitrum1.34MUSDC1.81%6.39%4.16%
ExactlyOptimism1.68MUSDC0%3.78%4.14%
Navi-lendingSui10.31MUSDC0.64%5.15%4.12%
ExactlyOptimism1.68MUSDC0%4.05%4.11%
SparklendEthereum6.63MUSDC0%3.62%4.06%
Yearn-financeEthereum7.52MUSDT0%4.3%4.04%
ExactlyOptimism1.68MUSDC0%3.98%4.04%
Moar-marketAptos1.02MUSDC5.53%12.51%4.03%
Moar-marketAptos1.02MUSDC5.53%12.51%4.03%
MapleEthereum1.34BUSDT0%4.55%4.01%
Spark-savingsAvalanche139.50MUSDC0%4%4%
Spark-savingsEthereum235.30MUSDC0%4%4%
VesperEthereum2.56MUSDC0%4.61%3.98%
ExactlyOptimism1.68MUSDC0%3.85%3.93%
Folks-finance-lendingAlgorand1.89MUSDC0%4.21%3.91%
Yearn-financeEthereum1.11MUSDC0%4.26%3.82%
AcrossEthereum1.38MDAI0.35%7.96%3.81%
Yearn-financeEthereum12.68MDAI0%4.45%3.78%
Folks-finance-xchainPolygon2.43MUSDT0%4.44%3.76%
ExactlyOptimism1.68MUSDC0%2.99%3.67%
ExactlyOptimism1.68MUSDC0%3.87%3.67%
Yearn-financeEthereum33.23MUSDC0%4.62%3.65%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum517.2M5.21%
Avalanche7156.1M8.8%
Base8155M6.11%
BSC000%
Ethereum211.8B5.34%
Hyperliquid000%
Mantle000%
Optimism915.1M4.03%
Polygon12.4M3.76%
Solana34.6M5.79%
TON000%
zkSync Era000%