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 08 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
10/04/2026 16:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bracket-vaultsEthereum2.71MUSDC0%12.31%11.83%
AbyssSui1.89MUSDC0%8.54%11.18%
BitwayBSC13.21MUSDT0%11.83%11%
Spectra-metavaultsBase5.09MUSDC2.96%98.34%10.45%
AvantisBase63.01MUSDC0%9.31%10.1%
GoldfinchEthereum37.25MUSDC0%10.02%10.06%
AutofinanceArbitrum1.37MUSDC2.06%6.49%9.86%
Blend-pools-v2Stellar9.83MUSDC0%9.3%9.17%
SymbiosisTron1.39MUSDT0%5.83%8.67%
Wasabi-perpsSolana1.28MUSDC0%4.97%7.56%
Gains-networkArbitrum8.93MUSDC0%6.53%7.36%
Zerobase-cedefiEthereum14.44MUSDT2%9%7%
Zerobase-cedefiArbitrum7.94MUSDT2%9%7%
SymbiosisEthereum1.26MUSDC0%5.5%6.9%
Zerobase-cedefiBSC23.78MUSDT2%9.39%6.76%
Zerobase-cedefiBSC1.38MUSDC2%8.91%6.76%
AccountableMonad2.12MUSDC3.53%9.6%6.31%
Euler-v2Monad1.79MUSDC0%0.8%6.25%
Extra-finance-leverage-farmingBase3.85MUSDC0%5.1%5.98%
AutofinanceEthereum8.83MUSDC0.62%5.31%5.58%
Harvest-financeBase2.02MUSDC0%6.01%5.57%
LoopscaleSolana1.67MUSDC0%4.87%5.03%
DeltaprimeAvalanche1.19MUSDC0%5.47%4.86%
Scallop-lendSui1.63MUSDC0%4.58%4.85%
Wasabi-perpsBase3.45MUSDC0%4.03%4.79%
Woofi-earnArbitrum1.14MUSDC0%4.73%4.74%
AutofinanceEthereum8.75MUSDC0%3.91%4.73%
Flux-financeEthereum1.59MUSDT0%4.56%4.66%
Hyperlend-pooledHyperliquid L112.46MUSDC0%3.92%4.65%
AutofinanceBase7.16MUSDC2.7%6.08%4.6%
Yo-protocolBase27.86MUSDC12%14.17%4.54%
Yo-protocolEthereum11.05MUSDC12%13.92%4.54%
Benqi-lendingAvalanche1.60MUSDT0%4.61%4.48%
DolomiteEthereum10.79MUSDC0%5.8%4.45%
Navi-lendingSui8.34MUSDC0.58%4.47%4.44%
Yearn-financeEthereum1.08MUSDC0%4.94%4.42%
Yearn-financeEthereum1.08MUSDC0%4.94%4.42%
ExactlyOptimism1.60MUSDC0%4.24%4.15%
SparklendEthereum1.88MUSDC0%4.12%4.13%
Yearn-financeEthereum3.71MUSDC0%4.37%4.1%
Benqi-lendingAvalanche5.50MUSDC0%3.91%4.08%
ExactlyOptimism1.60MUSDC0%3.64%3.97%
Folks-finance-xchainPolygon1.69MUSDT0%3.58%3.89%
LiqwidCardano1.12MUSDC0%3.53%3.84%
Euler-v2Ethereum28.17MUSDC0%3.46%3.8%
Yearn-financeEthereum8.78MDAI0%2.74%3.78%
NeverlandMonad17MUSDC4.12%8.53%3.77%
Flux-financeEthereum2.45MUSDC0%3.9%3.76%
Spark-savingsEthereum396.52MUSDC0%3.75%3.75%
Spark-savingsAvalanche68.29MUSDC0%3.75%3.75%
Folks-finance-lendingAlgorand1.95MUSDC0%3.42%3.74%
Storm-tradeTon3.87MUSDT0%3.8%3.71%
ExactlyOptimism1.60MUSDC0%4.01%3.67%
MapleEthereum1.97BUSDT0%3.86%3.65%
ExactlyOptimism1.60MUSDC0%3.17%3.64%
Fluid-lendingArbitrum30.94MUSDC1.04%5.81%3.62%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum550.3M6.52%
Avalanche476.6M4.29%
Base7112.4M6.57%
BSC338.4M8.17%
Ethereum182.5B5.31%
Hyperliquid000%
Mantle000%
Optimism46.4M3.86%
Polygon11.7M3.89%
Solana22.9M6.29%
TON13.9M3.71%
zkSync Era000%