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 3.62% on Apr 20 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
22/04/2026 07:00:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Benqi-lendingAvalanche1.07MUSDC0%5.24%17.8%
Aave-v3Ethereum5.22MDAI0%3.49%14.68%
AutofinanceEthereum7.33MUSDC0%4.91%14.18%
Canto-lendingCanto1.35MUSDC0%12.81%12.82%
AbyssSui1.93MUSDC0%8.88%11.61%
Bracket-vaultsEthereum2.70MUSDC0%11.92%11.35%
AvantisBase53.06MUSDC0%9.83%11.33%
BitwayBSC13.45MUSDT0%11.47%11%
AutofinanceArbitrum1.96MUSDC1.86%8.85%10.91%
GoldfinchEthereum37.25MUSDC0%10.04%10.06%
Aave-v3Arbitrum5.67MUSDC0%2.06%9.02%
Blend-pools-v2Stellar10.01MUSDC0%9.28%8.91%
Fluid-lendingArbitrum27.97MUSDC1.15%6.38%8%
SymbiosisEthereum1.59MUSDC0%6.59%7.89%
Gains-networkArbitrum8.44MUSDC0%6.55%7.84%
SymbiosisTron1.01MUSDT0%6.94%7.38%
SymbiosisTron1.01MUSDT0%6.94%7.38%
Zerobase-cedefiEthereum14.44MUSDT2%9%7%
Zerobase-cedefiArbitrum7.94MUSDT2%9%7%
Storm-tradeTON3.97MUSDT0%5.78%7%
Harvest-financeBase2.02MUSDC0%6.39%6.93%
Zerobase-cedefiBSC23.27MUSDT2%9.01%6.76%
Zerobase-cedefiBSC1.35MUSDC2%8.82%6.76%
Spectra-metavaultsBase7.29MUSDC0%94.36%6.73%
AutofinanceEthereum9.06MUSDC0.58%5.91%6.53%
Extra-finance-leverage-farmingBase3.66MUSDC0%5.14%6.31%
Yearn-financeEthereum2.43MUSDC0%5.13%5.92%
Fluid-lendingEthereum114.58MUSDT1.75%5.66%5.84%
Kamino-lendSolana7.86MUSDC0%2.8%5.67%
DeltaprimeAvalanche1.12MUSDC0%5.25%5.5%
LoopscaleSolana1.32MUSDC0%5.21%5.46%
AutofinanceBase5.72MUSDC3.66%7.13%5.4%
Fluid-lendingEthereum4.87MUSDC0%3.54%5.2%
Fluid-lendingEthereum162.37MUSDC1.24%4.56%5.2%
Fluid-lendingBase10.12MUSDC2.18%6.77%5.13%
Euler-v2Ethereum18.73MUSDC0%3.75%4.94%
Woofi-earnArbitrum1.14MUSDC0%4.73%4.73%
MapleEthereum1.26BUSDT0%3.81%4.7%
Flux-financeEthereum1.57MUSDT0%4.6%4.67%
Lista-lendingBSC2.05MUSDT72.2%27583.03%4.58%
Hyperlend-pooledHyperliquid L114.07MUSDC0%4.17%4.53%
Aave-v3BSC4.42MUSDT0%1.87%4.51%
Harvest-financeEthereum1.08MUSDC0%1.79%4.5%
DolomiteEthereum10.27MUSDC0%5.42%4.47%
Folks-finance-xchainPolygon1.03MUSDT0%3.72%4.36%
TermmaxEthereum2.43MUSDC0%2.48%4.32%
TermmaxEthereum2.01MUSDC0%2.56%4.32%
Folks-finance-lendingAlgorand1.48MUSDC0%3.58%4.24%
SparklendEthereum2.96MUSDC0%4.1%4.14%
ExactlyOP Mainnet1.64MUSDC0%3.07%3.99%
ExactlyOP Mainnet1.64MUSDC0%3.66%3.98%
NeverlandMonad16.40MUSDC4.55%8.38%3.86%
Yo-protocolEthereum3.87MUSDC12%14.08%3.83%
Yo-protocolBase20.20MUSDC12%14.09%3.83%
ExactlyOP Mainnet1.64MUSDC0%3.47%3.82%
Yearn-financeEthereum7.41MUSDC0%4.02%3.79%
Flux-financeEthereum2.43MUSDC0%3.76%3.77%
Yearn-financeEthereum8.55MDAI0%3.3%3.77%
Fusion-by-iporEthereum1.03MUSDC0%2.15%3.77%
ExactlyOP Mainnet1.64MUSDC0%2.43%3.77%
Spark-savingsAvalanche47MUSDC0%3.75%3.75%
Spark-savingsEthereum490.92MUSDC0%3.75%3.75%
Navi-lendingSui4.47MUSDC0.68%4.29%3.75%
ExactlyOP Mainnet1.64MUSDC0%3.89%3.73%
Jupiter-lendSolana20.27MUSDT0%2.43%3.73%
Aave-v3Polygon1.24MDAI0%3.74%3.71%
ExactlyOP Mainnet1.64MUSDC0%3.65%3.67%
ExactlyOP Mainnet1.64MUSDC0%4.11%3.66%
Wasabi-perpsBase2.32MUSDC0%4.61%3.65%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum653.1M7.92%
Avalanche349.2M9.02%
Base8104.4M6.16%
BSC544.5M6.72%
Ethereum252.2B6.1%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon22.3M4.03%
Solana329.5M4.95%
TON14M7%
zkSync Era000%