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 06 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
10/02/2026 16:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bracket-vaultsEthereum3.30MUSDC0%15.11%14.34%
FranciumSolana2.44MUSDC0%13.15%13.15%
AvantisBase88.35MUSDC0%11.37%12.05%
Blend-pools-v2Stellar1.44MUSDC0.74%14.03%11.93%
Storm-tradeTon5.67MUSDT0%9.53%11.65%
Blend-pools-v2Stellar7.38MUSDC0%11.76%10.22%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
SymbiosisEthereum1.20MUSDC0%5.87%8.34%
Gains-networkArbitrum13.03MUSDC0%10.58%8.11%
AutofinanceEthereum15.81MUSDC0.38%8.87%8.03%
WasabiSolana2.04MUSDC0%8.79%7.8%
Yearn-financeEthereum1.36MUSDC0%5.19%7.79%
LiqwidCardano2.39MUSDC1.58%12.4%7.78%
Woofi-earnArbitrum1.20MUSDC0%7.09%7.03%
Gains-networkBase2.37MUSDC0%10.65%6.98%
SymbiosisTron1.88MUSDT0%4.65%6.76%
AcrossEthereum1.38MDAI0.37%7.3%6.61%
WasabiBase7.21MUSDC0%7.15%6.46%
Echelon-marketAptos5.16MUSDC0%4.78%6.46%
DolomiteEthereum8.04MUSDC0%4.38%6.3%
DeltaprimeAvalanche1.34MUSDC0%6.67%6.11%
VesperEthereum2.40MUSDC0%4.49%6.07%
Ipor-fusionEthereum3.90MUSDT0%7.7%5.84%
Hyperlend-pooledHyperliquid11.67MUSDC0%5.95%5.8%
Harmonix-financeArbitrum1.23MUSDC0%5.25%5.59%
LoopscaleSolana4.58MUSDC0.65%8.12%5.57%
Silo-v2Avalanche1.58MUSDC0%8.62%5.29%
Euler-v2Ethereum39.76MUSDC0%4.78%5.25%
AutofinanceBase17.97MUSDC1.8%7.54%5.22%
Harvest-financeBase3.05MUSDC0%6.16%5.13%
Scallop-lendSui1.96MUSDC0%5.62%4.98%
Yo-protocolBase28.76MUSDC28%12.3%4.91%
Euler-v2Ethereum25.31MUSDC0%4.74%4.78%
LoopscaleSolana10.91MUSDC0%5.94%4.74%
Flux-financeEthereum1.61MUSDT0%4.6%4.63%
Yearn-financeEthereum7.32MUSDT0%4.76%4.4%
ExactlyOptimism1.76MUSDC0%4.39%4.37%
Navi-lendingSui8.85MUSDC0.79%5.38%4.3%
ExactlyOptimism1.76MUSDC0%4.21%4.23%
ExactlyOptimism1.76MUSDC0%4.2%4.23%
Flux-financeEthereum1.44MUSDC0%4.15%4.19%
AutofinanceArbitrum1.34MUSDC2.01%6.57%4.16%
Yearn-financeEthereum7.57MUSDT0%4.47%4.16%
ExactlyOptimism1.76MUSDC0%3.61%4.12%
Folks-finance-xchainAvalanche1.06MUSDC0%5.75%4.1%
Folks-finance-xchainAvalanche1.06MUSDC0%5.75%4.1%
ExactlyOptimism1.76MUSDC0%4.02%4.09%
MapleEthereum1.53BUSDT0%4.71%4.08%
Ipor-fusionBase1.83MUSDC0%7.36%4.06%
Yearn-financeEthereum33.22MUSDC0%4.67%4.04%
ExactlyOptimism1.76MUSDC0%3.96%4.02%
Spark-savingsAvalanche117.31MUSDC0%4%4%
Spark-savingsEthereum174.92MUSDC0%4%4%
ExactlyOptimism1.76MUSDC0%3.8%3.91%
ExactlyOptimism1.76MUSDC0%3.87%3.9%
Folks-finance-xchainPolygon2.33MUSDT0%5.77%3.85%
SparklendEthereum7.93MUSDC0%3.69%3.82%
Extra-finance-leverage-farmingBase4.92MUSDC0.13%5.97%3.77%
Spark-savingsEthereum266.83MUSDT0%3.99%3.75%
Folks-finance-lendingAlgorand2.08MUSDC0%4.27%3.73%
Yearn-financeEthereum12.73MDAI0%4.57%3.66%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum416.8M6.22%
Avalanche5122.3M4.72%
Base8154.5M6.07%
BSC000%
Ethereum212.2B5.91%
Hyperliquid111.7M5.8%
Mantle000%
Optimism814.1M4.11%
Polygon12.3M3.85%
Solana420M7.82%
TON15.7M11.65%
zkSync Era000%