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 Apr 10 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
14/04/2026 17:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bracket-vaultsEthereum2.70MUSDC0%12.17%11.72%
AvantisBase62.31MUSDC0%9.43%11.02%
BitwayBSC13.25MUSDT0%11.72%11%
Spectra-metavaultsBase5.24MUSDC2.99%92.61%10.25%
GoldfinchEthereum37.25MUSDC0%10.03%10.06%
AutofinanceArbitrum1.72MUSDC2.1%7.2%9.86%
Blend-pools-v2Stellar10.17MUSDC0%9.31%9%
Wasabi-perpsSolana1.33MUSDC0%5.31%8.68%
Wasabi-perpsBase3.82MUSDC0%4.31%8.17%
AbyssSui1.90MUSDC0%8.7%8.15%
SymbiosisEthereum1.35MUSDC0%5.86%7.81%
Gains-networkArbitrum8.93MUSDC0%6.4%7.36%
Zerobase-cedefiArbitrum7.94MUSDT2%9%7%
Zerobase-cedefiEthereum14.45MUSDT2%9%7%
Zerobase-cedefiBSC1.32MUSDC2%8.88%6.76%
Zerobase-cedefiBSC23.65MUSDT2%9.26%6.76%
AutofinanceEthereum8.52MUSDC0.65%5.46%6.21%
Project-0Solana1.48MUSDC0%4.3%6.17%
Harvest-financeBase2.02MUSDC0%5.99%5.58%
Yearn-financeEthereum1.14MUSDC0%5.08%5.43%
LoopscaleSolana1.41MUSDC0%5%5.32%
Hyperlend-pooledHyperliquid L19.91MUSDC0%4.04%5.14%
DeltaprimeAvalanche1.17MUSDC0%5.38%5.05%
Harvest-financeEthereum1.08MUSDC0%1.23%5.04%
Harvest-financeEthereum1.08MUSDC0%1.23%5.04%
AutofinanceBase6.83MUSDC3.02%6.39%4.82%
AutofinanceEthereum8.75MUSDC0%4.08%4.73%
Woofi-earnArbitrum1.17MUSDC0%4.74%4.68%
Flux-financeEthereum1.57MUSDT0%4.58%4.67%
Yo-protocolBase27.67MUSDC12%14.09%4.63%
Yo-protocolEthereum10.96MUSDC12%14.09%4.63%
Extra-finance-leverage-farmingBase4.31MUSDC0%5.1%4.63%
Fluid-lendingEthereum125.80MUSDT1.57%4.88%4.58%
Navi-lendingSui8.64MUSDC0.57%4.42%4.38%
Scallop-lendSui1.93MUSDC0%4.67%4.37%
SparklendEthereum1.95MUSDC0%4.11%4.13%
Storm-tradeTon3.86MUSDT0%3.95%4.13%
Euler-v2Monad2.16MUSDC0%1.33%4.04%
Yearn-financeEthereum3.72MUSDC0%4.19%4.03%
Euler-v2Avalanche1.99MUSDC0%6.6%4.02%
ExactlyOptimism1.59MUSDC0%1.79%3.99%
Benqi-lendingAvalanche5.78MUSDC0%3.95%3.98%
ExactlyOptimism1.59MUSDC0%3.65%3.97%
Folks-finance-xchainPolygon1.65MUSDT0%3.67%3.97%
NeverlandMonad16.31MUSDC4.26%8.42%3.93%
Benqi-lendingAvalanche2.02MUSDT0%4.48%3.93%
DolomiteEthereum17.93MUSDC0%5.78%3.93%
Yearn-financeEthereum8.79MDAI0%2.98%3.89%
ExactlyOptimism1.59MUSDC0%4.21%3.87%
Fluid-lendingArbitrum30.94MUSDC1.02%5.91%3.8%
Euler-v2Ethereum28.44MUSDC0%3.55%3.79%
Flux-financeEthereum2.43MUSDC0%3.84%3.77%
Folks-finance-lendingAlgorand1.93MUSDC0%3.47%3.75%
Spark-savingsAvalanche66.02MUSDC0%3.75%3.75%
Spark-savingsEthereum406.24MUSDC0%3.75%3.75%
ExactlyOptimism1.59MUSDC0%3.42%3.73%
Yearn-financeBase2.31MUSDC0%3.28%3.72%
ExactlyOptimism1.59MUSDC0%3.97%3.68%
Lazy-summer-protocolBase2.57MUSDC0.73%3.49%3.67%
ExactlyOptimism1.59MUSDC0%1.49%3.67%
MapleEthereum2.11BUSDT0%3.79%3.67%
ExactlyOptimism1.59MUSDC0%4%3.65%
ExactlyOptimism1.59MUSDC0%4.04%3.65%
Aave-v3Polygon1.34MDAI0%3.63%3.62%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum550.7M6.54%
Avalanche577M4.15%
Base9117.1M6.28%
BSC338.2M8.17%
Ethereum202.8B5.39%
Hyperliquid000%
Mantle000%
Optimism812.7M3.78%
Polygon23M3.8%
Solana34.2M6.72%
TON13.9M4.13%
zkSync Era000%