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
27/09/2026 16:00:05

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Neutral-tradeSolana2.30MUSDC0%30.62%72.22%
Gains-networkArbitrum4.52MUSDC0%29.63%46.55%
Harvest-financeBase1.90MUSDC0%45.4%24.08%
EnsuroEthereum1.31MUSDC0%20.65%19.84%
VerantaBase9.82MUSDC0%15.24%19.35%
AccountableEthereum1.96MUSDC18.75%36.81%19.22%
AccountableEthereum3.39MUSDC0%12.17%17.84%
Ember-protocolSui2.24MUSDC0%3.82%16.31%
AccountableMonad7.50MUSDC1.17%16.33%15.61%
Neutral-tradeSolana4.08MUSDC0%10.83%15.1%
AccountableEthereum1.05MUSDC0.75%14.92%14.25%
Midas-rwaEthereum1.70MUSDC0%8.16%13.66%
Ember-protocolEthereum10.45MUSDC0%10.07%13.12%
Ember-protocolEthereum1.64MUSDC0%29.92%12.93%
Ember-protocolEthereum3.94MUSDC0%12.97%12.9%
AccountableEthereum13.89MUSDC0%12.39%12.51%
AccountableMonad5.44MUSDC0.5%12.09%11.64%
Nawa-protocolZIGChain3.44MUSDC0%8.37%11.61%
AccountableMonad74.99MUSDC0.35%11.65%11.4%
Neutral-tradeSolana2.41MUSDC0%14.9%10.82%
Pareto-creditEthereum11.01MUSDC0%10.59%10.59%
Ember-protocolSui9.11MUSDC0%10.13%10.29%
AguaEthereum7.99MUSDC0%10%10%
Ember-protocolEthereum3.54MUSDC0%9.57%9.78%
Pareto-creditEthereum2.19MUSDC0%9.38%9.38%
Ember-protocolEthereum17.73MUSDC0%11.75%8.68%
Sentora-curatorEthereum94.43MUSDC0%7.17%8.06%
Bitway-earnBSC23.13MUSDT0%8%8%
Ember-protocolSui8.75MUSDC4%12%8%
Pareto-creditEthereum155.29MUSDC0%7.84%7.82%
Blend-pools-v2Stellar10.21MUSDC0%7.53%7.66%
Midas-rwaEthereum65.58MUSDC0%7.52%7.54%
Bitway-earnBSC6.46MUSDT0%7.5%7.5%
Harvest-financeBase1.08MUSDC0%7.3%7.46%
Centrifuge-protocolMonad10.07MUSDC0%1.73%7.25%
AccountableMonad2.34MUSDC0.5%7.31%7.03%
Zerobase-cedefiEthereum14.08MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.62MUSDT2%9%7%
Yearn-financeEthereum7.58MUSDC0%6.81%6.83%
Neutral-tradeSolana1.35MUSDC0%9.79%6.8%
Zerobase-cedefiBSC18.11MUSDT2%8.76%6.76%
Midas-rwaEthereum5.18MUSDC0%6.94%6.76%
Midas-rwaEthereum2.52MUSDC0%6.94%6.76%
Zerobase-cedefiBSC2.17MUSDC2%8.76%6.76%
Euler-v2Monad5.85MUSDC1.25%7.89%6.7%
LoopscaleSolana1.98MUSDC0.33%7.08%6.67%
Pareto-creditEthereum22.06MUSDC0%6.79%6.62%
Midas-rwaEthereum26.25MUSDC0%7.18%6.48%
Midas-rwaEthereum31.46MUSDC0%6.39%6.47%
Kamino-lendSolana6.58MUSDC0%7.1%6.47%
Rhea-lendNear2.05MUSDT0%9.7%6.46%
Midas-rwaRobinhood Chain35.85MUSDC0%1.45%6.2%
Midas-rwaBase26.64MUSDC0%1.41%6.2%
Midas-rwaEthereum67.73MUSDC0%6.87%6.1%
Rhea-lendNear2.05MUSDC0%8.45%6.08%
Yearn-financeEthereum11.90MUSDC0%6.56%5.99%
Extra-finance-leverage-farmingBase3.84MUSDC0%6.36%5.98%
Harmonix-financeHyperliquid L121.48MUSDC0%6.9%5.97%
Fusion-by-iporEthereum1.28MUSDC0%6.44%5.95%
Midas-rwaEtherlink4.94MUSDC0%6.93%5.82%
LoopscaleSolana1.02MUSDC3.38%10.36%5.81%
Centrifuge-protocolAvalanche262.74MUSDC0%5.02%5.75%
Centrifuge-protocolBase22.66MUSDC0%5.02%5.75%
Centrifuge-protocolBSC1.02MUSDC0%5.02%5.75%
Centrifuge-protocolEthereum9.30MUSDC0%5%5.74%
Harvest-financeEthereum1.16MUSDC0%8.77%5.72%
Midas-rwaEthereum7.47MUSDC0%7.33%5.51%
AutofinanceBase3.63MUSDC5.68%9.99%5.44%
Alchemix-v3Ethereum7.78MUSDC0%5.51%5.33%
AccountableMonad7.42MUSDC0.5%6%5.23%
AutofinanceEthereum7.63MUSDC1.16%6.15%5.04%
Centrifuge-protocolEthereum2.28MUSDT0%3.37%4.98%
Aave-v4Ethereum2.41MUSDC0%4.6%4.97%
Native-credit-poolEthereum1.09MUSDC0%4.93%4.93%
MapleEthereum629.65MUSDT0%4.73%4.88%
Storm-tradeTON2.73MUSDT0%5.21%4.8%
Yearn-financeBase1.50MUSDC0%5%4.79%
Aave-v3Avalanche2.28MUSDT0%4.11%4.75%
Midas-rwaEthereum6.43MUSDC0%4%4.74%
Midas-rwaEtherlink1.12MUSDC0%3.97%4.74%
Kamino-lendSolana1.25MUSDC0%4.44%4.72%
Kamino-lendSolana7.38MUSDC0%4.43%4.72%
Kamino-lendSolana2.20MUSDC0%5.39%4.7%
Aave-v3Monad11.22MUSDC1.31%5.98%4.69%
Benqi-lendingAvalanche2.75MUSDC0%5.62%4.69%
Lista-lendingBSC1.87MUSDT0%6.58%4.56%
Fusion-by-iporBase2.95MUSDC0%6.7%4.54%
Fluid-lendingEthereum130.24MUSDT0%4.66%4.49%
Flux-financeEthereum1.95MUSDT0%4.45%4.44%
Kamino-lendSolana3.45MUSDC0%5.19%4.43%
Navi-lendingSui11.33MUSDC0.6%5.24%4.4%
ExactlyOP Mainnet1.54MUSDC0%4.38%4.38%
ExactlyOP Mainnet1.54MUSDC0%4.32%4.34%
ExactlyOP Mainnet1.54MUSDC0%4.33%4.32%
ExactlyOP Mainnet1.54MUSDC0%4.26%4.29%
CurvanceMonad3.10MUSDC1.8%5.73%4.28%
Fluid-lendingEthereum130.21MUSDC0%4.61%4.26%
Aave-v3Ethereum189.38MUSDT0%3.55%4.26%
Aave-v3Ethereum64.97MUSDT1.57%5.02%4.26%
ExactlyOP Mainnet1.54MUSDC0%4.17%4.23%
Yo-protocolBase8.11MUSDC0%4.22%4.2%
Yo-protocolEthereum1.35MUSDC0%4.22%4.2%
ExactlyOP Mainnet1.54MUSDC0%4.1%4.19%
ExactlyOP Mainnet1.54MUSDC0%4.19%4.17%
Fusion-by-iporBase1.08MUSDC2.84%6.73%4.16%
Ember-protocolEthereum2.04MUSDC0%4.33%4.16%
Flux-financeEthereum1.57MUSDC0%3.93%4.15%
Kamino-lendSolana1.23MUSDC0%4.18%4.12%
TydroInk18.97MUSDC0%4.03%4.1%
Fluid-lendingArbitrum64.58MUSDC0%4.1%4.1%
Yearn-financeEthereum2.39MUSDC0%3.94%4.08%
ExactlyOP Mainnet1.54MUSDC0%3.9%4.07%
Aave-v3Base17.45MUSDC0%3.71%4.04%
Aave-v3Avalanche6.43MUSDC0%4.57%4.02%
Compound-v3Ethereum37.20MUSDC0%4.72%4%
DolomiteArbitrum1.47MUSDC0%4.36%3.91%
Venus-core-poolBSC7.82MUSDC0%3.14%3.83%
ExactlyOP Mainnet1.54MUSDC0%1.56%3.79%
Centrifuge-protocolMonad4.56MUSDC0%2.83%3.79%
Hyperlend-pooledHyperliquid L18.06MUSDC0%5.02%3.78%
AmpleBase4.39MUSDC0%4%3.78%
Kamino-lendSolana1.79MUSDT0%3.67%3.69%
Yearn-financeEthereum19.60MUSDC0%3.72%3.62%
Spark-savingsEthereum305.32MUSDC0%3.58%3.6%
Spark-savingsAvalanche8.94MUSDC0%3.58%3.6%
Aave-v3Ethereum187.53MUSDC0%4.01%3.58%
Aave-v3Ethereum58.20MUSDC1.67%5.59%3.58%
Spark-savingsEthereum388.63MUSDT0%3.39%3.5%
Aave-v3BSC1.47MUSDC0%3.17%3.45%
Midas-rwaEthereum72.83MUSDC0%3.42%3.44%
Midas-rwaEtherlink1.22MUSDC0%3.42%3.44%
SparklendEthereum15.87MUSDT0%3.27%3.4%
SparklendEthereum3.95MUSDC0%3.44%3.39%
Yearn-financeEthereum5.74MUSDT0%3.28%3.32%
Aave-v4Ethereum1.61MUSDT0%4.04%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
SymbiosisEthereum1.23MUSDC0%4.84%3.3%
Centrifuge-protocolBase7.14MUSDC0%4.01%3.28%
Centrifuge-protocolPharos4.41MUSDC0%3.15%3.28%
Centrifuge-protocolBSC1.01MUSDC0%3.15%3.28%
Centrifuge-protocolBSC1.01MUSDC0%3.15%3.28%
Aave-v3Polygon10.22MUSDC0%2.99%3.26%
DolomiteEthereum30.77MUSDC4.01%7.34%3.25%
Yearn-financeEthereum1.11MUSDC0%3.46%3.22%
Aave-v3Xlayer1.63MUSDC0%2.76%3.2%
Gami-labsBase3.03MUSDC0%2.83%3.2%
Spectra-metavaultsBase3.03MUSDC0%2.88%3.2%
Aave-v3Ethereum15.57MDAI0%3.07%3.16%
Venus-core-poolBSC49.91MUSDT0%2.85%3.16%
Native-credit-poolBSC1.40MUSDT0%3.14%3.14%
SaveSolana4.29MUSDC0%3.06%3.08%
Compound-v3Ethereum25.88MUSDT0%3.04%3.05%
Compound-v3Arbitrum2.33MUSDC0%2.88%3.03%
Aave-v3Arbitrum24.71MUSDC0%2.85%2.98%
Aave-v3OP Mainnet1.66MUSDC0%2.63%2.88%
Yearn-financeEthereum7.36MDAI0%3.13%2.82%
Aave-v3BSC13.56MUSDT0%2.76%2.72%
SparklendEthereum85.71MDAI0%2.47%2.71%
Fluid-lendingBase14.34MUSDC6.67%5.28%2.7%
Lista-lendingBSC2.70MUSDT0%3.23%2.6%
Compound-v3Arbitrum4.27MUSDT0%2.58%2.57%
Lista-lendingBSC1.37MUSDT0%2.98%2.53%
Kamino-lendSolana1.74MUSDC0%1.59%2.52%
Venus-fluxBSC1.71MUSDT0%2.7%2.2%
Justlend-v1Tron85.80MUSDT0%2.26%2.1%
Aave-v3Arbitrum1.07MDAI0%1.92%1.99%
SaveSolana2.27MUSDT0%1.8%1.83%
Aave-v3Sonic1.15MUSDC0%1.85%1.83%
CurrentSui21.91MUSDC7.92%8.91%1.74%
Echelon-marketAptos1.83MUSDC4.61%4.04%1.21%
AcrossEthereum1.12MUSDT2.91%2.13%1.2%
ExactlyOP Mainnet1.54MUSDC0%0.94%1.14%
Lista-lendingEthereum4.07MUSDT5.21%6.22%1.1%
Lista-lendingEthereum5.83MUSDC5.26%7.18%1.04%
TectonicCronos1.31MUSDC0.03%0.49%0.5%
Aave-v4Avalanche7.21MUSDC4.64%5.32%0.48%
AcrossEthereum1.10MUSDC4.29%4.47%0.18%
Aave-v4Avalanche5.94MUSDT6.55%6.58%0.16%
CredixSolana13.41MUSDC0%0.06%0.07%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum8110.6M9.02%
Avalanche7296.3M3.35%
Base18143.1M6.62%
BSC16134.7M4.34%
Ethereum683.1B6.28%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon110.2M3.26%
Solana1758.7M9.28%
TON12.7M4.8%
zkSync Era000%