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 3.55% on Dec 30 2025). 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
01/01/2026 04:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum4.82MUSDC0%41.91%38.64%
KiloexBase1.14MUSDC0%25.26%20.07%
Hatom-lendingMultiversX1.27MUSDC0.33%14.41%18.74%
WasabiSolana1.18MUSDC0%9.79%17.64%
Bracket-vaultsEthereum8MUSDC0%17.26%16.23%
Gains-networkArbitrum12.10MUSDC0%12.1%13.57%
Blend-pools-v2Stellar4.83MUSDC0%13.34%13.51%
FranciumSolana2.44MUSDC0%13.15%13.15%
AccountableMonad4.01MUSDC8.12%20.77%10.67%
LiqwidCardano2.31MUSDC1.58%9.94%10.62%
GoldfinchEthereum37.74MUSDC0%10.01%10.01%
LoopscaleSolana1.20MUSDC1.12%10.2%8.89%
WasabiBase11.52MUSDC0%9.4%8.89%
AvantisBase100.14MUSDC0%10.71%8.39%
DeltaprimeAvalanche1.59MUSDC0%7.45%8.32%
DeltaprimeArbitrum1.33MUSDC0%8.85%8.3%
Ipor-fusionBase2.08MUSDC0%8.05%7.84%
Woofi-earnArbitrum1.22MUSDC0%7.56%7.74%
Storm-tradeTon5.99MUSDT0%5.11%7.24%
AutofinanceArbitrum3.10MUSDC1.69%9.9%7.23%
Ipor-fusionEthereum6.76MUSDC0%7.05%7.18%
Yo-protocolBase29.65MUSDC0%7.34%7.04%
Euler-v2Avalanche3.06MUSDC0%6.97%6.66%
Extra-finance-leverage-farmingBase5.49MUSDC0.2%7.27%6.52%
Euler-v2Arbitrum1.51MUSDC0%6.29%6.45%
AutofinanceEthereum7.50MUSDC1.27%7.57%6.42%
Yearn-financeEthereum7.40MUSDC0%4.16%6.37%
AutofinanceBase25.19MUSDC2.12%9.42%6.02%
LoopscaleSolana12.63MUSDC0%8.03%5.93%
Harvest-financeEthereum1.08MUSDC0%5.22%5.89%
Harvest-financeEthereum1.08MUSDC0%5.22%5.89%
Yearn-financeEthereum4.74MUSDT0%3.85%5.82%
Harvest-financeBase2.56MUSDC0%7.72%5.78%
Hyperlend-pooledHyperliquid7.86MUSDC0%5.32%5.76%
SaveSolana6.64MUSDC0%6.13%5.74%
SaveSolana1.47MUSDT0%6.08%5.61%
Yearn-financeBase2.41MUSDC0%5.26%5.56%
Scallop-lendSui2.07MUSDC0%5.65%5.47%
Ipor-fusionEthereum5MUSDT0%5.42%5.36%
Harmonix-financeArbitrum1.91MUSDC0%6.66%5.17%
Yearn-financeEthereum3.96MUSDC0%3.74%5.1%
Harvest-financeBase1.72MUSDC0%5.19%5.07%
Harvest-financeBase1.75MUSDC0%5.6%4.99%
Echelon-marketAptos14.39MUSDC0%4.95%4.95%
MapleEthereum1.44BUSDT0.89%5.79%4.92%
Euler-v2Ethereum19.75MUSDC0%5.56%4.9%
Yearn-financeEthereum2.21MUSDC0%3.71%4.87%
Euler-v2Ethereum27.86MUSDC0%4.16%4.86%
Benqi-lendingAvalanche5.80MUSDC0%4.34%4.81%
DolomiteArbitrum3.78MUSDC0%4.65%4.71%
Gains-networkBase1.10MUSDC0%6.35%4.63%
Yearn-financeEthereum1.52MUSDC0%4.38%4.61%
Flux-financeEthereum1.63MUSDT0%4.61%4.61%
Ipor-fusionBase1.75MUSDC0%5.34%4.6%
Compound-v3Ethereum40.74MUSDC0.12%3.57%4.55%
Moonwell-lendingBase7.21MUSDC0.74%5.65%4.5%
ExactlyOptimism1.41MUSDC0%4.71%4.5%
ExactlyOptimism1.41MUSDC0%4.46%4.43%
ExactlyOptimism1.41MUSDC0%4.51%4.41%
JustlendTron37.41MUSDT0%2.87%4.3%
SparklendEthereum5.35MUSDC0%3.74%4.3%
Yearn-financeEthereum17.51MUSDC0%4.93%4.26%
Yearn-financeEthereum11.07MDAI0%3.85%4.22%
Yearn-financeEthereum33.09MUSDC0%4.72%4.2%
Folks-finance-lendingAlgorand1.94MUSDC0%4.54%4.19%
ExactlyOptimism1.41MUSDC0%4.33%4.18%
ExactlyOptimism1.41MUSDC0%4.17%4.18%
Euler-v2Ethereum1.64MUSDC0%3.84%4.18%
ExactlyOptimism1.41MUSDC0%4.15%4.17%
Benqi-lendingAvalanche2.56MUSDT0%4.65%4.16%
Flux-financeEthereum1.57MUSDC0%4.13%4.13%
Yearn-financeEthereum14.65MDAI0%4.68%4.12%
Yearn-financeEthereum7.77MUSDT0%4.95%4.09%
Navi-lendingSui17.86MUSDC1.07%4.96%4.09%
Spark-savingsEthereum212.87MUSDC0%4%4%
Spark-savingsAvalanche190.42MUSDC0%4%4%
Spark-savingsEthereum155.58MUSDT0%4%4%
ExactlyOptimism1.41MUSDC0%3.91%3.95%
ExactlyOptimism1.41MUSDC0%3.81%3.87%
ExactlyOptimism1.41MUSDC0%3.74%3.79%
Yearn-financeEthereum8.02MUSDT0%4.68%3.74%
SparklendEthereum58.24MUSDT0%3.37%3.72%
VesperEthereum2.47MUSDC0%2.79%3.68%
Venus-core-poolBSC58.52MUSDT0%3.13%3.64%
Takara-lendSei1.54MUSDC6%9.23%3.64%
Aave-v3Base110.58MUSDC0%3.47%3.59%
Aave-v3Linea2.23MUSDC0%2.97%3.59%
ExactlyOptimism1.41MUSDC0%3.15%3.59%
Aave-v3Avalanche26.76MUSDC0%3.27%3.58%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum724.9M7.6%
Avalanche6230.2M5.25%
Base15304.3M6.9%
BSC158.5M3.64%
Ethereum312.2B6.42%
Hyperliquid17.9M5.76%
Mantle000%
Optimism1014.1M4.11%
Polygon000%
Solana625.6M9.49%
TON16M7.24%
zkSync Era000%