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 Feb 26 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
01/03/2026 05:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Euler-v2Avalanche2.96MUSDT0%31.01%31.01%
Usd-aiArbitrum2.07MUSDC0%14%14%
Bracket-vaultsEthereum3.28MUSDC0%14.18%13.38%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
AvantisBase89.49MUSDC0%11.15%9.58%
Blend-pools-v2Stellar11.72MUSDC0%10.66%8.59%
Gains-networkArbitrum12.26MUSDC0%10.9%7.52%
Woofi-earnArbitrum1.21MUSDC0%7.09%7.04%
AbyssSui1.87MUSDC0%9.13%6.61%
Fusion-by-iporEthereum4.50MUSDT0%6.82%6.6%
WasabiSolana1.40MUSDC0%7.1%6.26%
LoopscaleSolana1.50MUSDC1.19%7.03%6.22%
Fusion-by-iporBase1.70MUSDC0%5.65%6.19%
Yo-protocolBase29.60MUSDC26%21.25%5.87%
AutofinanceEthereum19.45MUSDC0.35%7.46%5.55%
Euler-v2Avalanche5.19MUSDC0%6.2%5.53%
Euler-v2Avalanche1.33MUSDC0%6.85%5.53%
DeltaprimeAvalanche1.14MUSDC0%6.2%5.38%
DeltaprimeAvalanche1.14MUSDC0%6.2%5.38%
Harvest-financeBase3.72MUSDC0%6.03%5.31%
Extra-finance-leverage-farmingBase4.01MUSDC0%4.83%5.3%
LiqwidCardano2.31MUSDC1.58%8.47%5.25%
WasabiBase6.78MUSDC0%5.86%5.21%
Gains-networkBase1.95MUSDC0%7.68%5.11%
Scallop-lendSui1.87MUSDC0%5.28%4.8%
AutofinanceEthereum5.01MUSDC0%4.77%4.74%
Hyperlend-pooledHyperliquid L120.83MUSDC0%5.8%4.61%
AutofinanceBase17.38MUSDC1.71%6.57%4.56%
Flux-financeEthereum1.73MUSDT0%4.62%4.55%
Benqi-lendingAvalanche1.71MUSDT0%3.73%4.39%
AutofinanceArbitrum1.34MUSDC1.88%6.24%4.38%
MapleEthereum1.44BUSDT0%4.27%4.37%
Euler-v2Ethereum40.05MUSDC0%4.85%4.36%
ExactlyOptimism1.70MUSDC0%4.23%4.25%
DolomiteEthereum12.72MUSDC0%4.64%4.25%
Yearn-financeEthereum7.58MUSDT0%4.47%4.25%
Echelon-marketAptos8.52MUSDC0%4.81%4.23%
Flux-financeEthereum1.45MUSDC0%4.19%4.19%
ExactlyOptimism1.70MUSDC0%4%4.18%
ExactlyOptimism1.70MUSDC0%4.1%4.14%
NeverlandMonad7.54MUSDC8.37%12.51%4.13%
ExactlyOptimism1.70MUSDC0%4.03%4.07%
Spark-savingsEthereum238.14MUSDC0%4%4%
Spark-savingsAvalanche151.98MUSDC0%4%4%
Aave-v3Ethereum4.23MUSDC0%3.21%3.99%
Folks-finance-lendingAlgorand1.81MUSDC0%4.09%3.98%
ExactlyOptimism1.70MUSDC0%3.91%3.98%
ExactlyOptimism1.70MUSDC0%4.13%3.92%
Navi-lendingSui11.21MUSDC0.63%4.72%3.84%
LoopscaleSolana10.75MUSDC0%4.11%3.75%
Folks-finance-xchainPolygon2.50MUSDT0%3.87%3.71%
ExactlyOptimism1.70MUSDC0%3.79%3.69%
ExactlyOptimism1.70MUSDC0%3.09%3.63%
Lazy-summer-protocolEthereum4.68MUSDC0.61%3.78%3.62%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum416.9M8.23%
Avalanche7165.5M8.74%
Base8154.6M5.89%
BSC000%
Ethereum141.8B5.56%
Hyperliquid000%
Mantle000%
Optimism813.6M3.98%
Polygon12.5M3.71%
Solana313.6M5.41%
TON000%
zkSync Era000%