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 3.59% on Jan 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
28/01/2026 22:00:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum4.90MUSDC0%35.4%32.04%
Bracket-vaultsEthereum7.17MUSDC0%15.64%15.15%
Gains-networkArbitrum12.33MUSDC0%7.61%13.87%
FranciumSolana2.44MUSDC0%13.15%13.15%
AcrossEthereum1.37MDAI0.82%3.41%12.7%
Blend-pools-v2Stellar5.71MUSDC0%12.73%12.63%
Blend-pools-v2Stellar1.38MUSDC0.89%14.6%12.5%
Gains-networkBase2.19MUSDC0%8.82%11.47%
LiqwidCardano2.33MUSDC1.58%12.41%10.4%
GoldfinchEthereum37.74MUSDC0%10.01%10.01%
AvantisBase100.85MUSDC0%10.76%9.9%
AccountableMonad2.22MUSDC6%16.51%9.7%
Moar-marketAptos1.29MUSDC4.87%16.69%8.93%
AutofinanceEthereum12.83MUSDC0.53%8.54%8.58%
Ipor-fusionBase1.93MUSDC0%7.58%8.41%
LoopscaleSolana2.39MUSDC0.56%9.36%8%
Harvest-financeBase3.42MUSDC0%6.62%7.84%
WasabiBase9.78MUSDC0%7.8%7.66%
Yo-protocolBase26.02MUSDC0%7.1%7.32%
Woofi-earnArbitrum1.19MUSDC0%7.2%7.16%
Ipor-fusionEthereum5.89MUSDT0%7.57%6.82%
DeltaprimeAvalanche1.86MUSDC0%7.37%6.69%
Yearn-financeEthereum32.80MUSDC0%4.72%6.46%
Hyperlend-pooledHyperliquid7.60MUSDC0%5.35%6.39%
Ipor-fusionEthereum1.28MUSDC0%4.74%6.36%
Euler-v2Avalanche2.59MUSDC0%9.27%6.21%
Yearn-financeEthereum14.32MDAI0%4.41%6.17%
SymbiosisEthereum1.09MUSDC0%4.71%6.17%
Yearn-financeEthereum36.70MUSDC0%4.43%6.13%
Extra-finance-leverage-farmingBase6.26MUSDC0.08%6.7%6.13%
DolomiteArbitrum2.07MUSDC0%4.61%5.86%
LoopscaleSolana14.34MUSDC0%6.25%5.84%
WasabiSolana1.65MUSDC0%10.29%5.69%
Harvest-financeEthereum1.08MUSDC0%5.08%5.69%
AutofinanceBase23.15MUSDC1.84%8.06%5.58%
Harmonix-financeArbitrum1.34MUSDC0%5.03%5.52%
Scallop-lendSui1.99MUSDC0%5.72%5.48%
Storm-tradeTon5.90MUSDT0%7.64%5.41%
Silo-v2Avalanche2.98MUSDC0%8.02%5.34%
Yearn-financeEthereum1.10MUSDC0%4.61%5.33%
Harvest-financeBase1.56MUSDC0%5.34%5.28%
Euler-v2Ethereum32.75MUSDC0%4.56%5.19%
Fluid-lendingEthereum2.89MUSDC0%3.48%5.09%
Fluid-lendingEthereum362.86MUSDC1.05%4.65%5.09%
Benqi-lendingAvalanche5.28MUSDC0%4.84%4.95%
Ipor-fusionBase1.56MUSDC0%5.01%4.92%
TermmaxEthereum1.07MUSDC0%4.87%4.91%
SymbiosisTron1.13MUSDT0%4.42%4.9%
Yearn-financeEthereum7.74MUSDT0%4.77%4.88%
Euler-v2Ethereum22.89MUSDC0%4.69%4.83%
MapleEthereum1.74BUSDT0%5.06%4.74%
Yearn-financeBase1.03MUSDC0%4.88%4.67%
Yearn-financeBase2.33MUSDC0%4.87%4.66%
Flux-financeEthereum1.65MUSDT0%4.6%4.59%
AutofinanceArbitrum1.58MUSDC2.26%7.53%4.53%
Echelon-marketAptos16.16MUSDC0%4.74%4.45%
Yearn-financeEthereum7.96MUSDT0%4.48%4.42%
ExactlyOptimism1.85MUSDC0%4.41%4.39%
SparklendEthereum5.43MUSDC0%3.94%4.28%
Navi-lendingSui12.39MUSDC0.87%5.71%4.24%
VesperEthereum2.56MUSDC0%4.11%4.22%
ExactlyOptimism1.85MUSDC0%4.19%4.21%
ExactlyOptimism1.85MUSDC0%4.18%4.21%
DolomiteEthereum12MUSDC0%3.39%4.2%
Folks-finance-lendingAlgorand1.89MUSDC0%4.24%4.18%
Flux-financeEthereum1.56MUSDC0%4.13%4.14%
Compound-v3Arbitrum3.04MUSDC0.39%3.38%4.1%
ExactlyOptimism1.85MUSDC0%4.22%4.05%
Aave-v3Linea1.01MUSDC0%3.46%4.03%
Aave-v3Linea1.01MUSDC0%3.46%4.03%
ExactlyOptimism1.85MUSDC0%3.98%4.03%
Aave-v3Base60.02MUSDC0%3.56%4.02%
Spark-savingsEthereum175.68MUSDC0%4%4%
Spark-savingsAvalanche164.13MUSDC0%4%4%
Spark-savingsEthereum150.58MUSDT0%4%4%
Aave-v3Ethereum438.11MUSDC0%3.54%4%
Yearn-financeEthereum10.83MDAI0%2.95%3.99%
ExactlyOptimism1.85MUSDC0%3.91%3.96%
Folks-finance-xchainPolygon1.36MUSDT0%6%3.94%
Benqi-lendingAvalanche2.95MUSDT0%4.46%3.92%
Aave-v3Avalanche14.50MUSDC0%3.72%3.91%
ExactlyOptimism1.85MUSDC0%3.83%3.88%
ExactlyOptimism1.85MUSDC0%3.72%3.82%
Moonwell-lendingBase10.17MUSDC0.6%4.96%3.77%
Compound-v3Base1.49MUSDC0.52%3.85%3.72%
ExactlyOptimism1.85MUSDC0%3.98%3.69%
NeverlandMonad2.89MUSDC9.52%17.42%3.68%
ExactlyOptimism1.85MUSDC0%3.49%3.61%
Takara-lendSei1.47MUSDC4.07%8.86%3.6%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum621.5M6.84%
Avalanche7194.3M5%
Base15251.8M6.36%
BSC000%
Ethereum303.1B6.81%
Hyperliquid17.6M6.39%
Mantle000%
Optimism1018.5M3.99%
Polygon11.4M3.94%
Solana420.8M8.17%
TON15.9M5.41%
zkSync Era000%