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 01 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
04/07/2026 11:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Ember-protocolEthereum2MUSDC0%12.41%111.34%
AccountableEthereum1.04MUSDC0%14.28%14.25%
AccountableEthereum1.04MUSDC0%14.28%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
AccountableEthereum2.12MUSDC0%6.8%13.53%
Harvest-financeBase1.86MUSDC0%16.16%13.06%
Ember-protocolEthereum10.50MUSDC0%12.69%12.9%
AccountableMonad49.15MUSDC0.36%11.26%11.6%
Ember-protocolSui1.35MUSDC0%7.86%11.21%
GoldfinchEthereum36.72MUSDC0%10.12%10.12%
AvantisBase30.14MUSDC0%9.69%10.12%
AccountableMonad5.19MUSDC0.49%10.28%10%
Ember-protocolSui1.20MUSDC0%11.1%9.8%
Gains-networkArbitrum6.84MUSDC0%9.86%9.7%
Bracket-vaultsEthereum2.65MUSDC0%10%9.54%
Ember-protocolEthereum3.21MUSDC0%8.87%9.36%
Ember-protocolSui1.09MUSDC0%8.42%9.23%
Ember-protocolSui2.74MUSDC0%9.14%9.22%
AccountableMonad8.94MUSDC0.5%10.59%9.21%
Harmonix-financeHyperliquid L122.33MUSDC0%9.78%9.08%
YieldseekerBase1.91MUSDC0%8.02%8.4%
Bitway-earnBSC23.08MUSDT0%9.77%8%
Ember-protocolSui7MUSDC4%12%8%
Centrifuge-protocolBase50.14MUSDC0%3.54%7.96%
Centrifuge-protocolAvalanche260.02MUSDC0%3.55%7.96%
Centrifuge-protocolEthereum5.87MUSDC0%3.52%7.96%
Centrifuge-protocolBase2.22MUSDC0%3.52%7.96%
SymbiosisTron1.59MUSDT0%6.48%7.93%
Ember-protocolSui5.95MUSDC0%5.72%7.78%
LoopscaleSolana1.12MUSDC0.31%8.13%7.42%
Zerobase-cedefiArbitrum7.63MUSDT2%9%7%
Zerobase-cedefiEthereum14.13MUSDT2%9%7%
Gami-labsStellar14.64MUSDC0%7%7%
Spectra-metavaultsBase3.01MUSDC0.83%2.25%6.96%
Gami-labsBase3.01MUSDC0.83%2.51%6.96%
AccountableMonad2.95MUSDC0.5%7.6%6.79%
Zerobase-cedefiBSC2.06MUSDC2%8.76%6.76%
Zerobase-cedefiBSC22.21MUSDT2%8.76%6.76%
Blend-pools-v2Stellar14.66MUSDC0%7.04%6.54%
Kamino-lendSolana4.42MUSDC0%6.6%6.47%
Extra-finance-leverage-farmingBase3.38MUSDC0%6.55%6.44%
Yearn-financeEthereum5.69MUSDC0%4.9%6.3%
Yearn-financeEthereum8.57MUSDC0%5.35%6.28%
SymbiosisEthereum1.22MUSDC0%8.53%6.21%
AutofinanceEthereum7.17MUSDC0.36%6.28%6.17%
Storm-tradeTON3.74MUSDT0%5.95%5.93%
Harvest-financeEthereum1.13MUSDC0%8.14%5.89%
Fusion-by-iporEthereum1.92MUSDC0%6.17%5.76%
Hyperlend-pooledHyperliquid L111.16MUSDC0%5.91%5.75%
Fluid-lendingArbitrum37.26MUSDC0%5.86%5.56%
Native-credit-poolBSC4.05MUSDT0%3.63%5.54%
Fluid-lendingEthereum8.07MUSDC0%5.33%5.42%
Fluid-lendingBase8.59MUSDC0%5.39%5.42%
Fluid-lendingEthereum136.52MUSDC0%6.33%5.42%
Navi-lendingSui5.62MUSDC0.47%5.97%5.35%
Centrifuge-protocolPharos15.10MUSDC0%3.5%5.35%
Native-credit-poolEthereum5.43MUSDC0%3.28%5.28%
Yearn-financeBase1.70MUSDC0%4.62%5.03%
Centrifuge-protocolMonad4.52MUSDC0%2.81%4.99%
Kamino-lendSolana5.33MUSDC0%4.91%4.91%
AutofinanceBase7.03MUSDC1.99%7.48%4.85%
Folks-finance-lendingAlgorand1.25MUSDC0%4.6%4.51%
Yearn-financeEthereum1.18MUSDC0%3.97%4.5%
Ember-protocolSui1.11MUSDC7.98%11.22%4.5%
Native-credit-poolEthereum2.52MUSDT0%2.95%4.45%
Flux-financeEthereum1.92MUSDT0%4.5%4.44%
DolomiteArbitrum1.40MUSDC0%3.86%4.44%
Kamino-lendSolana11.14MUSDC0%4.27%4.42%
Fluid-lendingEthereum117.64MUSDT0%5.72%4.34%
Jupiter-lendSolana402.08MUSDC0.75%4.67%4.27%
ExactlyOP Mainnet1.80MUSDC0%4.13%4.18%
ExactlyOP Mainnet1.80MUSDC0%4.16%4.17%
MapleEthereum1.05BUSDT0%4.13%4.14%
ExactlyOP Mainnet1.80MUSDC0%4.06%4.14%
Euler-v2Monad2.20MUSDC3.14%4.6%4.12%
ExactlyOP Mainnet1.80MUSDC0%4.04%4.09%
AmpleBase4.29MUSDC0%4.71%4.06%
ExactlyOP Mainnet1.80MUSDC0%3.92%4.03%
Lista-lendingBSC4.87MUSDT0.07%4.81%4.02%
Yo-protocolBase10.53MUSDC0%4.21%4%
Yo-protocolEthereum2.40MUSDC0%4.21%4%
ExactlyOP Mainnet1.80MUSDC0%3.95%3.97%
Folks-finance-xchainPolygon1.26MUSDT0%4.06%3.96%
Scallop-lendSui1.28MUSDC0%5.45%3.85%
ExactlyOP Mainnet1.80MUSDC0%3.49%3.84%
Lista-lendingBSC6.34MUSDT0.15%5.24%3.84%
ExactlyOP Mainnet1.80MUSDC0%3.74%3.82%
TermmaxBase1.20MUSDC0%4.07%3.81%
ExactlyOP Mainnet1.80MUSDC0%4.1%3.8%
Moonwell-lendingBase2.77MUSDC0.38%6.12%3.8%
Yearn-financeEthereum7.22MUSDT0%3.34%3.75%
Centrifuge-protocolPlume Mainnet32.94MUSDC0%2.14%3.74%
Flux-financeEthereum2.60MUSDC0%3.72%3.72%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum453.1M6.67%
Avalanche1260M7.96%
Base15131.8M6.59%
BSC662.6M5.82%
Ethereum271.4B10.98%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.3M3.96%
Solana5424.1M5.5%
TON13.7M5.93%
zkSync Era000%