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 3.61% on Apr 17 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
21/04/2026 06:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AutofinanceEthereum8.76MUSDC0%4.56%14.18%
Canto-lendingCanto1.35MUSDC0%12.8%12.82%
AvantisBase53.84MUSDC0%9.79%11.9%
Bracket-vaultsEthereum2.70MUSDC0%11.96%11.4%
BitwayBSC13.31MUSDT0%11.5%11%
AbyssSui1.92MUSDC0%8.79%10.5%
AutofinanceArbitrum1.90MUSDC1.88%8.58%10.4%
GoldfinchEthereum37.25MUSDC0%10.04%10.06%
Fluid-lendingArbitrum26.93MUSDC1.2%6.75%9%
Blend-pools-v2Stellar9.88MUSDC0%9.3%8.97%
DolomiteEthereum7.19MUSDC0%5.39%8.68%
SymbiosisEthereum1.08MUSDC0%6.51%8.11%
SymbiosisTron1.47MUSDT0%6.94%7.43%
Zerobase-cedefiArbitrum7.94MUSDT2%9%7%
Zerobase-cedefiEthereum14.45MUSDT2%9%7%
Storm-tradeTON3.96MUSDT0%5.56%7%
Harvest-financeBase2.02MUSDC0%6.32%6.93%
Zerobase-cedefiBSC1.34MUSDC2%8.83%6.76%
Zerobase-cedefiBSC23.34MUSDT2%9.04%6.76%
Spectra-metavaultsBase7.29MUSDC2.08%94.38%6.73%
AutofinanceEthereum9.01MUSDC0.57%5.85%6.53%
Fluid-lendingBase9.02MUSDC2.47%7.26%6.47%
Extra-finance-leverage-farmingBase3.67MUSDC0%5.13%6.3%
Gains-networkArbitrum8.44MUSDC0%6.48%6.21%
Fluid-lendingEthereum115.75MUSDT1.75%5.46%6.18%
Yearn-financeEthereum2.43MUSDC0%5.55%5.92%
Scallop-lendSui1.09MUSDC0%4.81%5.84%
DeltaprimeAvalanche1.12MUSDC0%5.25%5.5%
Aave-v3Base14.80MUSDC0%2.81%5.44%
Euler-v2Ethereum1.05MUSDC0%3.81%5.42%
Euler-v2Ethereum1.05MUSDC0%3.81%5.42%
LoopscaleSolana1.48MUSDC0%5.18%5.4%
AutofinanceBase5.73MUSDC3.71%7.02%5.37%
Euler-v2Ethereum18.03MUSDC0%3.72%4.98%
Fluid-lendingEthereum161.65MUSDC1.25%4.63%4.95%
Fluid-lendingEthereum4.83MUSDC0%3.62%4.95%
Yo-protocolEthereum3.88MUSDC12%14.11%4.81%
Yo-protocolBase20.40MUSDC12%14.12%4.81%
Woofi-earnArbitrum1.14MUSDC0%4.73%4.73%
Harvest-financeEthereum1.08MUSDC0%1.81%4.72%
Flux-financeEthereum1.57MUSDT0%4.6%4.67%
MapleEthereum1.25BUSDT0%3.78%4.66%
Lazy-summer-protocolBase1.72MUSDC0.83%3.68%4.6%
Folks-finance-xchainPolygon1.19MUSDT0%3.7%4.56%
Hyperlend-pooledHyperliquid L114.24MUSDC0%4.16%4.49%
Folks-finance-lendingAlgorand1.50MUSDC0%3.55%4.21%
SparklendEthereum3.10MUSDC0%4.1%4.14%
Aave-v3Polygon1.06MDAI0%3.71%4.06%
ExactlyOP Mainnet1.58MUSDC0%2.99%3.99%
ExactlyOP Mainnet1.58MUSDC0%3.66%3.98%
NeverlandMonad14.58MUSDC4.59%8.39%3.96%
Moonwell-lendingBase1.70MUSDC1.45%4.17%3.96%
ExactlyOP Mainnet1.58MUSDC0%4.13%3.82%
ExactlyOP Mainnet1.58MUSDC0%3.47%3.81%
Flux-financeEthereum2.43MUSDC0%3.76%3.77%
ExactlyOP Mainnet1.58MUSDC0%2.31%3.76%
Spark-savingsAvalanche48.30MUSDC0%3.75%3.75%
Spark-savingsEthereum467.23MUSDC0%3.75%3.75%
ExactlyOP Mainnet1.58MUSDC0%3.9%3.74%
Yearn-financeEthereum9.58MDAI0%3.27%3.72%
ExactlyOP Mainnet1.58MUSDC0%3.95%3.71%
ExactlyOP Mainnet1.58MUSDC0%3.9%3.7%
ExactlyOP Mainnet1.58MUSDC0%3.65%3.66%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum546.4M7.47%
Avalanche249.4M4.63%
Base10120.2M6.25%
BSC338M8.17%
Ethereum222.1B6.28%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon22.2M4.31%
Solana11.5M5.4%
TON14M7%
zkSync Era000%