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
24/09/2026 15:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Neutral-tradeSolana2.30MUSDC0%23.7%77.73%
Gains-networkArbitrum4.52MUSDC0%26.32%51.22%
EnsuroEthereum1.24MUSDC0%20.69%38.3%
Harvest-financeBase1.86MUSDC0%44.22%22.46%
Ember-protocolEthereum17.71MUSDC0%11.14%21.34%
VerantaBase9.80MUSDC0%13.25%21.04%
Neutral-tradeSolana3.51MUSDC0%9.52%20.74%
AccountableEthereum2.24MUSDC16.57%36.66%20.73%
AccountableEthereum3.39MUSDC0%11.54%17.84%
AccountableMonad7.50MUSDC1.08%16.4%16.45%
Nawa-protocolZIGChain3.44MUSDC0%8.27%15.04%
AccountableEthereum1.05MUSDC0.75%14.97%14.25%
Neutral-tradeSolana2.21MUSDC0%15%13.22%
Ember-protocolEthereum1.64MUSDC0%28.61%12.93%
Ember-protocolEthereum3.94MUSDC0%12.97%12.9%
AccountableEthereum13.89MUSDC0%12.3%12.51%
Ember-protocolSui1.12MUSDC0%10.27%12.19%
AccountableMonad5.44MUSDC0.48%12.09%11.64%
AccountableMonad74.99MUSDC0.32%11.62%11.4%
Ember-protocolEthereum10.32MUSDC0%9.79%11.08%
Centrifuge-protocolPlume Mainnet20.79MUSDC0%2.86%10.64%
Centrifuge-protocolMonad10.07MUSDC0%1.98%10.64%
Pareto-creditEthereum11.01MUSDC0%10.59%10.59%
Midas-rwaEthereum1.70MUSDC0%8.19%10.57%
Ember-protocolSui9.07MUSDC0%10.1%10.44%
Euler-v2Monad5.63MUSDC1.25%7.91%10.43%
AguaEthereum7.49MUSDC0%10%10%
Ember-protocolEthereum3.39MUSDC0%9.54%9.75%
Ember-protocolSui2.48MUSDC0%2.43%9.69%
Pareto-creditEthereum2.19MUSDC0%9.38%9.38%
Aave-v4Ethereum1.04MUSDT0%3.96%9.07%
Aave-v4Ethereum1.04MUSDT0%3.96%9.07%
Rhea-lendNear1.75MUSDC0%9.15%9.06%
Neutral-tradeSolana1.26MUSDC0%10.04%8.38%
Benqi-lendingAvalanche1.40MUSDC0%5.41%8.05%
Bitway-earnBSC25.16MUSDT0%8%8%
Ember-protocolSui8.86MUSDC4%12%8%
Sentora-curatorEthereum74.40MUSDC0%6.81%7.86%
Pareto-creditEthereum154.93MUSDC0%7.86%7.82%
Blend-pools-v2Stellar10.17MUSDC0%7.43%7.69%
Midas-rwaEthereum7.49MUSDC0%7.56%7.67%
Bitway-earnBSC6.53MUSDT0%7.5%7.5%
Midas-rwaEthereum65.32MUSDC0%7.51%7.37%
Kamino-lendSolana5.50MUSDC0%4.56%7.07%
Harvest-financeBase1.14MUSDC0%7.21%7.07%
Zerobase-cedefiEthereum14.08MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.62MUSDT2%9%7%
Fusion-by-iporEthereum1.28MUSDC0%6.47%6.82%
AccountableMonad2.34MUSDC0.5%7.32%6.79%
LoopscaleSolana1.50MUSDC0.33%7.1%6.78%
Zerobase-cedefiBSC18.11MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.19MUSDC2%8.76%6.76%
Yearn-financeEthereum7.58MUSDC0%6.79%6.75%
Midas-rwaEtherlink4.94MUSDC0%7.81%6.68%
Pareto-creditEthereum22.06MUSDC0%6.84%6.62%
Kamino-lendSolana6.91MUSDC0%7.18%6.51%
Midas-rwaEthereum26.25MUSDC0%6.73%6.48%
Midas-rwaEthereum31.45MUSDC0%6.53%6.47%
Extra-finance-leverage-farmingBase3.64MUSDC0%6.44%6.37%
Yearn-financeEthereum11.85MUSDC0%6.57%6.19%
Centrifuge-protocolAvalanche262.71MUSDC0%4.92%6.14%
Centrifuge-protocolBase22.66MUSDC0%4.92%6.14%
Harmonix-financeHyperliquid L121.44MUSDC0%6.99%6.08%
Midas-rwaEthereum5.18MUSDC0%7.05%6%
Midas-rwaEthereum2.52MUSDC0%7.05%6%
Midas-rwaRobinhood Chain34.70MUSDC0%0.31%5.86%
Midas-rwaBase26.63MUSDC0%0.3%5.86%
Midas-rwaEthereum67.69MUSDC0%7.04%5.82%
Harvest-financeEthereum1.16MUSDC0%9.41%5.78%
AutofinanceBase3.51MUSDC6.15%9.6%5.51%
AccountableMonad7.42MUSDC0.5%6.09%5.36%
Aave-v3Avalanche5.30MUSDC0%4.4%5.31%
Alchemix-v3Ethereum7.74MUSDC0%5.49%5.28%
AutofinanceEthereum7.62MUSDC1.16%6.12%5.26%
Native-credit-poolEthereum1.09MUSDC0%4.93%4.93%
MapleEthereum632.58MUSDT0%4.69%4.92%
Yearn-financeBase1.50MUSDC0%5.01%4.91%
Aave-v3Arbitrum13.66MUSDC0%2.75%4.89%
Storm-tradeTON2.73MUSDT0%5.27%4.86%
Fusion-by-iporBase2.03MUSDC0%6.98%4.82%
Venus-core-poolBSC5.07MUSDC0%2.95%4.78%
Midas-rwaEthereum6.43MUSDC0%4.36%4.74%
Midas-rwaEtherlink1.12MUSDC0%4.33%4.74%
Navi-lendingSui9.27MUSDC0.52%5.29%4.71%
Centrifuge-protocolEthereum9.30MUSDC0%4.93%4.71%
AmpleBase4.39MUSDC0%4.06%4.68%
Aave-v3Avalanche2.33MUSDT0%4.07%4.57%
Fluid-lendingEthereum129.94MUSDT0%4.77%4.54%
Jupiter-lendSolana469.77MUSDC0.38%4.81%4.53%
Aave-v3Monad10.75MUSDC1.49%5.94%4.51%
Centrifuge-protocolEthereum2.07MUSDT0%3%4.51%
Fluid-lendingEthereum134.32MUSDC0%4.64%4.5%
Flux-financeEthereum1.95MUSDT0%4.45%4.44%
Kamino-lendSolana1.43MUSDC0%4.5%4.43%
Kamino-lendSolana3.42MUSDC0%5.29%4.41%
ExactlyOP Mainnet1.55MUSDC0%4.38%4.39%
Lista-lendingBSC1.93MUSDT0%6.7%4.39%
Fluid-lendingArbitrum64.64MUSDC0%4.15%4.35%
ExactlyOP Mainnet1.55MUSDC0%4.31%4.34%
ExactlyOP Mainnet1.55MUSDC0%4.33%4.33%
Kamino-lendSolana3.54MUSDC0%5.45%4.32%
ExactlyOP Mainnet1.55MUSDC0%4.25%4.29%
Ember-protocolEthereum2.04MUSDC0%4.29%4.28%
TydroInk16.52MUSDC0%4.08%4.26%
ExactlyOP Mainnet1.55MUSDC0%4.15%4.22%
CurvanceMonad3.15MUSDC1.79%5.64%4.21%
Yo-protocolBase8.11MUSDC0%4.21%4.2%
Yo-protocolEthereum1.35MUSDC0%4.21%4.2%
ExactlyOP Mainnet1.55MUSDC0%4.19%4.18%
ExactlyOP Mainnet1.55MUSDC0%4.08%4.17%
Flux-financeEthereum1.57MUSDC0%3.89%4.15%
Gami-labsBase3.03MUSDC0%2.71%4.14%
Spectra-metavaultsBase3.03MUSDC0%2.76%4.14%
ExactlyOP Mainnet1.55MUSDC0%3.91%4.07%
SymbiosisEthereum1.20MUSDC0%4.91%4.06%
Yearn-financeEthereum2.39MUSDC0%3.91%4.05%
Jupiter-lendSolana17.09MUSDT0%4.01%4.05%
Fusion-by-iporBase1.14MUSDC2.84%6.64%4.01%
Lista-lendingBSC1.46MUSDT0%2.62%4%
Aave-v3Base17.54MUSDC0%3.63%3.97%
Centrifuge-protocolMonad4.56MUSDC0%2.79%3.79%
ExactlyOP Mainnet1.55MUSDC0%1.23%3.74%
Aave-v4Ethereum2.88MUSDC0%4.57%3.69%
Aave-v3Ethereum206.62MUSDT0%3.49%3.68%
Aave-v3Ethereum67.78MUSDT1.51%4.96%3.68%
Rhea-lendNear2.13MUSDT0%11.47%3.66%
Yearn-financeEthereum19.61MUSDC0%3.7%3.63%
Aave-v3Ethereum179.32MUSDC0%3.97%3.61%
Aave-v3Ethereum58.06MUSDC1.68%5.56%3.61%
Spark-savingsEthereum304.37MUSDC0%3.58%3.6%
Spark-savingsAvalanche8.99MUSDC0%3.58%3.6%
Hyperlend-pooledHyperliquid L111.74MUSDC0%5.23%3.58%
DolomiteArbitrum1.68MUSDC0%4.45%3.57%
Centrifuge-protocolBase7.14MUSDC0%4.79%3.53%
Centrifuge-protocolPharos4.40MUSDC0%3.16%3.53%
Spark-savingsEthereum389.13MUSDT0%3.37%3.5%
Midas-rwaEthereum72.85MUSDC0%3.36%3.49%
Midas-rwaEtherlink1.22MUSDC0%3.36%3.49%
Venus-core-poolBSC44.25MUSDT0%2.78%3.4%
SparklendEthereum15.55MUSDT0%3.25%3.4%
SparklendEthereum4.03MUSDC0%3.44%3.39%
Yearn-financeEthereum5.74MUSDT0%3.26%3.31%
DolomiteEthereum29.47MUSDC3.97%7.36%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Compound-v3Ethereum38.71MUSDC0%4.83%3.23%
Kamino-lendSolana2.47MUSDT0%3.91%3.22%
Aave-v3BSC1.96MUSDC0%3.09%3.21%
Aave-v3Ethereum15.60MDAI0%3.05%3.16%
Aave-v3Polygon10.70MUSDC0%2.96%3.15%
Native-credit-poolBSC1.40MUSDT0%3.14%3.14%
Yearn-financeEthereum1.11MUSDC0%3.52%3.13%
Lista-lendingBSC2.68MUSDT0%3.18%3.13%
Aave-v3Xlayer2.58MUSDC0%2.57%3.12%
Aave-v3BSC9.86MUSDT0%2.7%3.1%
Compound-v3Arbitrum2.37MUSDC0%2.86%3.02%
Compound-v3Ethereum28.39MUSDT0%3.05%3%
SaveSolana4.25MUSDC0%3.02%2.99%
Aave-v3OP Mainnet1.59MUSDC0%2.56%2.92%
Yearn-financeEthereum7.36MDAI0%3.18%2.84%
SparklendEthereum85.66MDAI0%2.41%2.71%
Compound-v3Arbitrum4.01MUSDT0%2.59%2.62%
Venus-fluxBSC1.66MUSDT0%2.74%2.36%
Kamino-lendSolana2.14MUSDC0%1.46%2.23%
Justlend-v1Tron86.63MUSDT0%2.31%2.08%
Aave-v3Arbitrum1.07MDAI0%1.89%1.99%
CurrentSui18.51MUSDC6.82%8.92%1.89%
Aave-v3Sonic1.15MUSDC0%1.85%1.83%
SaveSolana2.26MUSDT0%1.79%1.75%
Fluid-lendingBase16.69MUSDC0%5.29%1.58%
Lista-lendingEthereum5.46MUSDC5.15%7.25%1.12%
Zest-v2Stacks10.17MUSDC0%0.78%1.11%
Lista-lendingEthereum4.07MUSDT4.78%6.14%1.1%
ExactlyOP Mainnet1.55MUSDC0%0.93%1.09%
Echelon-marketAptos1.91MUSDC4.29%3.71%1.07%
TectonicCronos1.26MUSDC0.02%0.45%0.54%
Aave-v4Avalanche7.09MUSDC4.65%5.41%0.48%
AcrossEthereum1.12MUSDT2.99%1.87%0.47%
AcrossEthereum1.10MUSDC4.41%4.43%0.21%
Aave-v4Avalanche3.47MUSDT6.54%6.39%0.19%
CredixSolana13.41MUSDC0%0.06%0.07%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum899.6M9.83%
Avalanche7291.3M4.05%
Base18144.4M6.75%
BSC13122.3M4.66%
Ethereum693.1B6.76%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon110.7M3.15%
Solana17543M10.14%
TON12.7M4.86%
zkSync Era000%