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 % on ). 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
18/09/2026 13:30:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Gains-networkArbitrum4.69MUSDC0%18.05%44.54%
Neutral-tradeSolana2.26MUSDC0%16.43%41.16%
AccountableMonad1.14MUSDC0%13.9%31.96%
AccountableEthereum2.05MUSDC18.06%33.88%25.27%
AvantisBase10MUSDC0%9.98%21.18%
Harvest-financeBase1.85MUSDC0%42.04%20.95%
EnsuroEthereum1.10MUSDC0%21.22%18.96%
AccountableMonad7.50MUSDC0.93%17.01%16.31%
Neutral-tradeSolana2.17MUSDC0%13.42%14.83%
AccountableEthereum1.05MUSDC0.75%15.08%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum1.64MUSDC0%25.99%12.93%
Ember-protocolEthereum6.10MUSDC0%12.85%12.9%
AccountableEthereum13.82MUSDC0%12.12%12.51%
Midas-rwaEthereum26.37MUSDC0%5.15%11.87%
AccountableMonad5.04MUSDC0.43%12.09%11.64%
AccountableMonad74.96MUSDC0.27%12.07%11.4%
AccountableEthereum3.21MUSDC0%10.87%11.31%
Neutral-tradeSolana3.38MUSDC0%4.48%10.79%
Pareto-creditEthereum11MUSDC0%10.59%10.59%
Ember-protocolEthereum10.29MUSDC0%9.6%10.2%
Ember-protocolSui8.20MUSDC0%10.06%10.02%
AguaEthereum7.10MUSDC0%10%10%
Neutral-tradeSolana1.19MUSDC0%9.98%9.93%
Ember-protocolEthereum3.35MUSDC0%9.47%9.43%
Aave-v3Monad8.41MUSDC0%5.73%9.42%
Pareto-creditEthereum2.18MUSDC0%9.38%9.38%
Ember-protocolEthereum17.34MUSDC0%8.68%8.17%
Blend-pools-v2Stellar9.86MUSDC0%7.06%8.17%
Ember-protocolSui1.32MUSDC0%9.78%8.15%
Bitway-earnBSC25.21MUSDT0%8%8%
Ember-protocolSui8.65MUSDC4%12%8%
Harvest-financeBase1.09MUSDC0%6.99%7.85%
Pareto-creditEthereum152.06MUSDC0%7.91%7.82%
Fusion-by-iporEthereum1.09MUSDC0%7.56%7.66%
Midas-rwaEtherlink4.93MUSDC0%8.64%7.6%
Bitway-earnBSC6.61MUSDT0%7.5%7.5%
Midas-rwaEthereum65.29MUSDC0%7.75%7.49%
Sentora-curatorEthereum74.27MUSDC0%6.56%7.3%
Midas-rwaEthereum6.73MUSDC0%7.43%7.27%
Kamino-lendSolana5.08MUSDC0%7.19%7.15%
Midas-rwaEthereum67.34MUSDC0%7.13%7.13%
Zerobase-cedefiEthereum14.07MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.62MUSDT2%9%7%
Midas-rwaEthereum2.52MUSDC0%7.41%7%
Yearn-financeEthereum7.56MUSDC0%6.73%6.98%
Midas-rwaEthereum7.48MUSDC0%7.77%6.9%
AccountableMonad2.30MUSDC0.26%7.45%6.79%
Zerobase-cedefiBSC18.39MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.12MUSDC2%8.76%6.76%
Yearn-financeEthereum11.14MUSDC0%6.69%6.73%
Euler-v2Monad5.81MUSDC1.59%8.33%6.72%
Harmonix-financeHyperliquid L123.31MUSDC0%6.86%6.7%
Pareto-creditEthereum22MUSDC0%6.94%6.62%
Midas-rwaEthereum1.70MUSDC0%8.63%6.61%
Extra-finance-leverage-farmingBase3.66MUSDC0%6.57%6.31%
Midas-rwaEthereum31.48MUSDC0%6.49%6.25%
Aave-v4Ethereum1.19MUSDC0%4.48%6.22%
Harvest-financeEthereum1.16MUSDC0%9.24%6.14%
Fusion-by-iporEthereum1.28MUSDC0%6.42%6.01%
Lista-lendingBSC2.03MUSDT0%7.04%5.89%
Fusion-by-iporEthereum2.39MUSDC0%5.94%5.87%
Alchemix-v3Ethereum7.74MUSDC0%5.33%5.49%
LoopscaleSolana1.15MUSDC0.5%5.88%5.4%
AutofinanceBase3.54MUSDC4.82%8.9%5.26%
Compound-v3Ethereum35.04MUSDC0%4.88%5.21%
Storm-tradeTON2.81MUSDT0%5.36%5.16%
AutofinanceEthereum7.70MUSDC0.95%6.1%5.15%
Kamino-lendSolana1.80MUSDC0%5.52%5.12%
Fluid-lendingBase9.16MUSDC0%4.93%5.06%
Hyperlend-pooledHyperliquid L120.29MUSDC0%5.53%5.04%
Kamino-lendSolana3.02MUSDC0%5.5%5%
Yearn-financeBase1.71MUSDC0%5.02%4.97%
Native-credit-poolEthereum1.13MUSDC0%4.91%4.93%
Benqi-lendingAvalanche2.42MUSDC0%4.94%4.9%
Centrifuge-protocolMonad4.55MUSDC0%3.24%4.89%
Aave-v3Avalanche5.17MUSDC0%4.1%4.84%
AccountableMonad7.42MUSDC0.5%6.29%4.82%
MapleEthereum676.62MUSDT0%4.59%4.75%
Fusion-by-iporBase1.22MUSDC0%7.49%4.66%
Centrifuge-protocolAvalanche262.33MUSDC0%5.09%4.64%
Centrifuge-protocolBase62.58MUSDC0%5.09%4.64%
DolomiteArbitrum1.23MUSDC0%4.46%4.56%
Fluid-lendingArbitrum61.68MUSDC0%4.19%4.53%
Navi-lendingSui9.40MUSDC0.44%5.45%4.53%
TydroInk13.70MUSDC0%3.66%4.44%
Flux-financeEthereum2.04MUSDT0%4.44%4.41%
Yearn-financeBase1.02MUSDC0%4.42%4.4%
Yearn-financeBase1.02MUSDC0%4.42%4.4%
ExactlyOP Mainnet1.63MUSDC0%4.38%4.39%
ExactlyOP Mainnet1.63MUSDC0%4.3%4.33%
ExactlyOP Mainnet1.63MUSDC0%4.32%4.33%
ExactlyOP Mainnet1.63MUSDC0%4.24%4.28%
Lista-lendingBSC2.43MUSDT0%2.74%4.27%
Gami-labsBase3.03MUSDC0%2.14%4.21%
Spectra-metavaultsBase3.03MUSDC0%2.16%4.21%
ExactlyOP Mainnet1.63MUSDC0%4.12%4.2%
ExactlyOP Mainnet1.63MUSDC0%4.2%4.18%
Fluid-lendingEthereum128.57MUSDT0%4.83%4.18%
Flux-financeEthereum1.57MUSDC0%3.8%4.15%
ExactlyOP Mainnet1.63MUSDC0%4.01%4.14%
Ember-protocolEthereum2.04MUSDC0%4.12%4.09%
CurvanceMonad3.07MUSDC2%5.49%4.07%
Fluid-lendingEthereum154.55MUSDC0%4.76%4.07%
Fluid-lendingEthereum3.72MUSDC0%4.76%4.07%
Euler-v2Monad1.26MUSDC1.25%4.56%4.07%
Yo-protocolBase8.48MUSDC0%4.13%4.02%
Yo-protocolEthereum1.35MUSDC0%4.13%4.02%
Yearn-financeEthereum2.39MUSDC0%3.84%4.02%
ExactlyOP Mainnet1.63MUSDC0%3.93%4%
Venus-core-poolBSC7.05MUSDC0%2.6%3.96%
Fusion-by-iporBase1.09MUSDC2.84%6.47%3.92%
Jupiter-lendSolana471.75MUSDC0.38%4.84%3.85%
Centrifuge-protocolEthereum9.29MUSDC0%5.14%3.82%
Midas-rwaEthereum3.49MUSDC0%3.78%3.78%
AmpleBase4.38MUSDC0%4.07%3.73%
Yearn-financeEthereum20.93MUSDC0%3.65%3.67%
Aave-v3Base21.86MUSDC0%3.54%3.63%
SaveSolana4.41MUSDC0%2.85%3.63%
Kamino-lendSolana1.95MUSDC0%4.76%3.62%
Kamino-lendSolana22MUSDC0%4.82%3.62%
Aave-v3Ethereum178.15MUSDC0%3.92%3.6%
Aave-v3Ethereum58.51MUSDC1.66%5.48%3.6%
Spark-savingsEthereum308.25MUSDC0%3.56%3.6%
Spark-savingsAvalanche9.37MUSDC0%3.56%3.6%
DolomiteEthereum24MUSDC5.03%7.46%3.59%
ExactlyOP Mainnet1.63MUSDC0%0.57%3.56%
Spark-savingsEthereum397.33MUSDT0%3.27%3.5%
Jupiter-lendSolana17.65MUSDT0%3.99%3.48%
Yearn-financeEthereum1.11MUSDC0%3.7%3.47%
SparklendEthereum15.44MUSDT0%3.2%3.39%
Native-credit-poolEthereum1.51MUSDT0%3.29%3.31%
Zerobase-cedefiOP Mainnet8.09MUSDT2%5.3%3.3%
Aave-v3BSC1.82MUSDC0%3%3.28%
Aave-v4Ethereum1.63MUSDT0%3.6%3.28%
Yearn-financeEthereum5.78MUSDT0%3.19%3.27%
Midas-rwaEthereum72.60MUSDC0%3.4%3.26%
Midas-rwaEtherlink1.22MUSDC0%3.41%3.26%
SymbiosisEthereum1.26MUSDC0%4.94%3.21%
Venus-fluxBSC1.81MUSDT0%2.67%3.18%
Aave-v3Polygon10.62MUSDC0%2.87%3.16%
Native-credit-poolBSC1.41MUSDT0%3.13%3.14%
Aave-v3Ethereum1.21MUSDC0%2.78%3.12%
Kamino-lendSolana2.49MUSDT0%4.2%3.08%
Aave-v3Ethereum17.36MDAI0%2.93%3.06%
Aave-v3Ethereum482.65MUSDT0%3.38%3.06%
Aave-v3Ethereum69.58MUSDT1.47%4.82%3.06%
Yearn-financeEthereum7.42MDAI0%3.25%3.04%
Centrifuge-protocolPharos4.40MUSDC0%3.27%3.01%
SparklendEthereum4.41MUSDC0%3.51%3%
Aave-v3Avalanche5.03MUSDT0%4.04%2.99%
Benqi-lendingAvalanche1.31MUSDT0%3.78%2.94%
Compound-v3Arbitrum2.71MUSDC0%2.82%2.94%
Lista-lendingBSC1.97MUSDT0%2.1%2.92%
Compound-v3Ethereum34.65MUSDT0%3.09%2.89%
Aave-v3BSC12.10MUSDT0%2.56%2.81%
Aave-v3OP Mainnet1.82MUSDC0%2.47%2.79%
Aave-v3Arbitrum30.09MUSDC0%2.54%2.78%
Venus-core-poolBSC62.31MUSDT0%2.6%2.65%
Compound-v3Arbitrum4.49MUSDT0%2.61%2.49%
Echelon-marketAptos1.06MUSDC0%3.17%2.46%
SparklendEthereum100.01MDAI0%2.33%2.46%
Centrifuge-protocolEthereum1.97MUSDT0%2.47%2.4%
Justlend-v1Tron73.92MUSDT0%2.33%2.34%
Kamino-lendSolana2.21MUSDC0%0.91%2.13%
CurrentSui14.48MUSDC6.56%9.12%2.07%
Aave-v4Ethereum1.41MUSDC0%1.86%2.05%
Aave-v4Avalanche1.44MUSDC3.14%4.97%1.99%
Aave-v3Arbitrum1.08MDAI0%1.94%1.97%
SaveSolana2.36MUSDT0%1.72%1.94%
Aave-v3Sonic1.15MUSDC0%1.85%1.85%
Midas-rwaEthereum6.43MUSDC0%5.79%1.64%
Midas-rwaEtherlink1.12MUSDC0%5.78%1.64%
ExactlyOP Mainnet1.63MUSDC0%0.92%0.99%
Lista-lendingEthereum5.21MUSDC6.15%7.19%0.94%
Zest-v2Stacks10.14MUSDC0%0.7%0.84%
TectonicCronos1.20MUSDC0.03%0.35%0.61%
AcrossEthereum1.58MUSDT1.32%1.46%0.43%
Lista-lendingEthereum3.97MUSDT5.36%6.1%0.41%
AcrossEthereum1.10MUSDC4.39%4.34%0.22%
Aave-v4Avalanche3.62MUSDT6.57%5.45%0.14%
CredixSolana13.41MUSDC0%0.05%0.07%
Euler-v2Ethereum1.70MUSDC0%4.73%0%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum8113.6M8.85%
Avalanche8290.7M3.25%
Base18149.3M6.69%
BSC13145.3M4.7%
Ethereum763.4B5.83%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon110.6M3.16%
Solana17558.3M7.34%
TON12.8M5.16%
zkSync Era000%