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
13/10/2026 05:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Neutral-tradeSolana1.41MUSDC0%65.24%34.49%
Harvest-financeBase1.82MUSDC0%39.51%24.75%
EnsuroEthereum1.30MUSDC0%21.46%21.81%
VerantaBase9.61MUSDC0%19.37%18.46%
Rhea-lendNear1.28MUSDC0%8.22%16.74%
Rhea-lendNear1.39MUSDT0%8.82%15.91%
Vectis-financeEthereum1.26MUSDC0%13.19%15.04%
AccountableEthereum1.05MUSDC0.75%14.92%14.25%
AccountableEthereum2.85MUSDC9.85%34.78%13.84%
Ember-protocolEthereum1.64MUSDC0%12.93%12.93%
Ember-protocolEthereum2.63MUSDC0%12.97%12.9%
Benqi-lendingAvalanche1.08MUSDC0%6.41%12.78%
Aave-v3Ethereum8.81MUSDC0%4.31%12.33%
AccountableEthereum11.08MUSDC0%12.33%12.13%
AccountableMonad7.50MUSDC1.02%16.13%11.9%
AccountableMonad5.44MUSDC0.41%12.11%11.64%
Ember-protocolEthereum5.84MUSDC0%11.09%11.47%
AccountableEthereum3.40MUSDC0%11.7%10.92%
Pareto-creditEthereum11.10MUSDC0%10.59%10.59%
Neutral-tradeSolana2.21MUSDC0%51.36%10.39%
Midas-rwaEthereum26.36MUSDC0%8.77%10.21%
Ember-protocolSui10.02MUSDC0%10.13%10.01%
AguaEthereum11.02MUSDC0%10%10%
Ember-protocolEthereum3.72MUSDC0%9.6%9.51%
AccountableMonad74.98MUSDC0.27%11.49%9.5%
Pareto-creditEthereum1.98MUSDC0%9.38%9.38%
Nawa-protocolZIGChain3.45MUSDC0%9.78%9.29%
Neutral-tradeSolana4.23MUSDC0%13.81%9.03%
Centrifuge-protocolEthereum2.68MUSDT0%5.46%8.8%
Midas-rwaEthereum6.62MUSDC0%6.76%8.63%
Neutral-tradeSolana2.44MUSDC0%12.05%8.5%
Midas-rwaEthereum31.15MUSDC0%7.37%8.38%
AccountableEthereum1.25MUSDC0%14.23%8.23%
Pareto-creditEthereum127.26MUSDC0%7.91%8.06%
Neutral-tradeSolana1.39MUSDC0%8.48%8.04%
Bitway-earnBSC23.56MUSDT0%8%8%
Ember-protocolSui8.75MUSDC4%12%8%
Harvest-financeBase1.04MUSDC0%7.07%7.95%
Coinmerce-capitalHyperliquid L11.74MUSDC0%6.12%7.64%
Sentora-curatorEthereum95.66MUSDC0%7.48%7.51%
Bitway-earnBSC2.17MUSDT0%7.5%7.5%
Midas-rwaEthereum65.81MUSDC0%7.54%7.49%
AccountableMonad2.16MUSDC0.48%7.47%7.28%
Fusion-by-iporEthereum1.28MUSDC0%6.19%7.2%
Kamino-lendSolana4.33MUSDC0%6.6%7.06%
Yearn-financeEthereum11.60MUSDC0%6.7%7.05%
Zerobase-cedefiEthereum14.19MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.61MUSDT2%9%7%
Yearn-financeEthereum7.43MUSDC0%6.88%6.9%
Vectis-financeSolana3.20MUSDC0%6.7%6.78%
Zerobase-cedefiBSC16.79MUSDT2%8.76%6.76%
Midas-rwaEthereum3.91MUSDC0%7.13%6.76%
Midas-rwaEthereum2.52MUSDC0%7.11%6.76%
Zerobase-cedefiBSC1.92MUSDC2%8.76%6.76%
Blend-pools-v2Stellar11.08MUSDC0%7.36%6.73%
Euler-v2Monad5.78MUSDC1.25%7.72%6.71%
Extra-finance-leverage-farmingBase3.48MUSDC0%6.53%6.68%
Harvest-financeEthereum1.16MUSDC0%6.13%6.66%
Pareto-creditEthereum22.09MUSDC0%6.62%6.62%
Ember-protocolEthereum17.78MUSDC0%11.06%6.32%
Harmonix-financeHyperliquid L115.51MUSDC0%6.38%6.29%
Midas-rwaBase51.54MUSDC0%3.98%6.2%
Midas-rwaRobinhood Chain36.04MUSDC0%4.04%6.2%
Aave-v4Ethereum2.23MUSDC0%4.95%6.13%
Midas-rwaEthereum34.06MUSDC0%6.45%6.1%
Fluid-lendingEthereum136.29MUSDC0%4.93%5.97%
Fluid-lendingArbitrum55.71MUSDC0%4.8%5.97%
AccountableMonad6.68MUSDC0.48%5.69%5.96%
Ember-protocolSui8.77MUSDC0%11.04%5.7%
SymbioticEthereum1.01MUSDC0%6.14%5.6%
Gains-networkArbitrum4.28MUSDC0%33.95%5.58%
Centrifuge-protocolAvalanche262.93MUSDC0%3.89%5.54%
Centrifuge-protocolBase22.75MUSDC0%3.89%5.54%
Centrifuge-protocolBSC1.02MUSDC0%3.88%5.54%
Alchemix-v3Ethereum7.74MUSDC0%5.3%5.54%
Jupiter-lendSolana494.81MUSDC0.36%4.57%5.54%
Centrifuge-protocolEthereum9.31MUSDC0%3.84%5.54%
MapleEthereum709.78MUSDT0%5.08%5.53%
Fusion-by-iporBase1.04MUSDC1.97%6.44%5.48%
AutofinanceEthereum7.59MUSDC0.93%6.26%5.48%
Kamino-lendSolana1.32MUSDC0%5.13%5.24%
DolomiteArbitrum1.01MUSDC0%4.53%5.03%
Hyperlend-pooledHyperliquid L15.03MUSDC0%4.49%4.92%
Aave-v3Avalanche6.14MUSDC0%5.5%4.88%
Yearn-financeBase1.37MUSDC0%4.87%4.87%
Fusion-by-iporBase2.68MUSDC0%4.99%4.81%
Kamino-lendSolana1.18MUSDC0%4.45%4.81%
Navi-lendingSui9.37MUSDC0.53%5.28%4.77%
Kamino-lendSolana6.99MUSDC0%4.85%4.74%
SymbiosisEthereum1.18MUSDC0%4.33%4.64%
AutofinanceBase3.51MUSDC4.29%10.13%4.64%
Yo-protocolBase7.84MUSDC0%4.32%4.58%
Yo-protocolEthereum1.35MUSDC0%4.32%4.58%
Compound-v3Ethereum36.71MUSDC0%4.54%4.51%
Ember-protocolEthereum2.04MUSDC0%4.54%4.45%
Flux-financeEthereum1.95MUSDT0%4.44%4.44%
Aave-v3Base16.88MUSDC0%3.88%4.4%
ExactlyOP Mainnet1.54MUSDC0%4.34%4.34%
Gami-labsBase3.03MUSDC0%3.24%4.33%
Spectra-metavaultsBase3.03MUSDC0%3.22%4.33%
ExactlyOP Mainnet1.54MUSDC0%4.29%4.3%
Yearn-financeEthereum2.39MUSDC0%4.11%4.25%
CurvanceMonad3.25MUSDC1.8%6.11%4.25%
ExactlyOP Mainnet1.54MUSDC0%4.22%4.25%
ExactlyOP Mainnet1.54MUSDC0%4.18%4.21%
ExactlyOP Mainnet1.54MUSDC0%4.36%4.21%
ExactlyOP Mainnet1.54MUSDC0%4.31%4.15%
Aave-v3Monad14.48MUSDC1.67%6.14%4.14%
Flux-financeEthereum1.60MUSDC0%4.14%4.14%
TydroInk18.86MUSDC0%4.15%4.12%
ExactlyOP Mainnet1.54MUSDC0%4.03%4.04%
ExactlyOP Mainnet1.54MUSDC0%2.31%4.02%
Centrifuge-protocolBase7.15MUSDC0%4.03%3.95%
Centrifuge-protocolPharos4.56MUSDC0%3.59%3.95%
Centrifuge-protocolBSC1.01MUSDC0%3.59%3.95%
Fluid-lendingEthereum129.79MUSDT0%4.5%3.93%
Fluid-lendingBase12.23MUSDC3.49%7.31%3.92%
Aave-v3OP Mainnet1MUSDC0%3.15%3.9%
Aave-v3OP Mainnet1MUSDC0%3.15%3.9%
ExactlyOP Mainnet1.54MUSDC0%4.1%3.89%
ExactlyOP Mainnet1.54MUSDC0%3.55%3.87%
Midas-rwaEthereum1.72MUSDC0%8.29%3.83%
Spark-savingsEthereum309.80MUSDC0%3.64%3.8%
Spark-savingsAvalanche2.61MUSDC0%3.64%3.8%
Echelon-marketAptos1.23MUSDC2.77%5.51%3.78%
Aave-v3Polygon1.09MDAI0%4.54%3.78%
Storm-tradeTON2.68MUSDT0%4.83%3.77%
Midas-rwaEthereum6.44MUSDC0%3.57%3.77%
Midas-rwaEtherlink1.13MUSDC0%3.54%3.77%
Spark-savingsEthereum738.02MUSDT0%3.57%3.75%
Venus-core-poolBSC8.24MUSDC0%3.82%3.75%
Midas-rwaEthereum74.91MUSDC0%3.48%3.73%
Midas-rwaEtherlink1.22MUSDC0%3.48%3.73%
Jupiter-lendSolana17.17MUSDT0%3.78%3.73%
Aave-v3Ethereum53.31MUSDC1.83%5.88%3.72%
Yearn-financeEthereum1.12MUSDC0%3.43%3.7%
Yearn-financeEthereum19.69MUSDC0%3.66%3.62%
Midas-rwaEtherlink4.95MUSDC0%5.22%3.61%
SparklendEthereum4.59MUSDC0%3.4%3.56%
Venus-core-poolBSC41.24MUSDT0%3.18%3.48%
Kamino-lendSolana1.21MUSDC0%2.45%3.46%
Aave-v4Ethereum2.73MUSDT0%4.24%3.46%
Lista-lendingBSC2.78MUSDT0%3.94%3.42%
Aave-v3Ethereum271.81MUSDT0%3.86%3.42%
Aave-v3Ethereum62.05MUSDT1.64%5.41%3.42%
SparklendEthereum16.43MUSDT0%3.4%3.39%
Aave-v3Ethereum11.49MDAI0%3.23%3.38%
Aave-v3Avalanche3.09MUSDT0%4.05%3.37%
Yearn-financeEthereum5.74MUSDT0%3.27%3.36%
DolomiteEthereum28.69MUSDC4.45%7.39%3.35%
Zerobase-cedefiOP Mainnet8.09MUSDT2%5.3%3.3%
Compound-v3Ethereum17.89MUSDT0%3.09%3.21%
Aave-v3Arbitrum19.23MUSDC0%3.14%3.2%
SaveSolana5.45MUSDC0%3.15%3.18%
Aave-v3Ethereum1.30MUSDC0%3.24%3.15%
Aave-v3BSC2.12MUSDC0%3.34%3.12%
Compound-v3Arbitrum2.03MUSDC0%2.99%3.1%
Aave-v3Polygon10.55MUSDC0%3.05%3.08%
Aave-v3BSC12.34MUSDT0%2.89%2.9%
Yearn-financeEthereum7.06MDAI0%2.93%2.88%
SparklendEthereum75.23MDAI0%2.66%2.85%
Justlend-v1Tron71.50MUSDT0%2.13%2.53%
Lista-lendingBSC1.34MUSDT0%3.2%2.5%
Native-credit-poolEthereum1.14MUSDC0%4.53%2.41%
Compound-v3Arbitrum5.13MUSDT0%2.5%2.35%
SaveSolana2MUSDT0%1.93%2.29%
CurrentSui1.10MUSDT2.82%7.01%2.25%
CurrentSui25.10MUSDC4.76%8.17%1.79%
Lista-lendingEthereum4.43MUSDC5.99%6.97%1.4%
Native-credit-poolEthereum3.78MUSDT0%3.05%1.17%
Lista-lendingEthereum3.86MUSDT5.27%5.76%1.13%
Venus-fluxBSC1.26MUSDT0%2.79%1.11%
ExactlyOP Mainnet1.54MUSDC0%1.07%1.05%
Centrifuge-protocolPlume Mainnet20.68MUSDC0%1.08%0.7%
Aave-v4Avalanche6.44MUSDC4.03%4.92%0.57%
AcrossEthereum1.03MUSDC4.59%4.66%0.42%
TectonicCronos1.45MUSDC0.02%0.53%0.41%
Aave-v4Avalanche7.07MUSDT5.94%6.5%0.24%
CredixSolana13.41MUSDC0%0.06%0.03%
AcrossEthereum1.12MUSDT2.92%3.29%0.01%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum795M4.6%
Avalanche7289.4M4.45%
Base17159.6M7.17%
BSC13115.8M4.52%
Ethereum733.3B6.33%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon211.6M3.43%
Solana16562.7M7.33%
TON12.7M3.77%
zkSync Era000%