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 3.56% on Dec 22 2025). 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
26/12/2025 09:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum4.70MUSDC0%41.64%41.91%
KiloexBase1.17MUSDC0%27.26%18.99%
Hatom-lendingMultiversX1.27MUSDC0.33%11.63%18.74%
Bracket-vaultsEthereum8.17MUSDC0%17.65%16.66%
Blend-pools-v2Stellar1.08MUSDC0.89%15.7%15.63%
Blend-pools-v2Stellar4.58MUSDC0%13.44%14.05%
FranciumSolana2.44MUSDC0%13.15%13.15%
AvantisBase99.39MUSDC0%11.69%11.57%
WasabiBase10.72MUSDC0%9.61%10.32%
LiqwidCardano2.38MUSDC1.58%9.08%10.03%
GoldfinchEthereum37.75MUSDC0%9.95%10.01%
DeltaprimeArbitrum1.31MUSDC0%9.16%8.55%
DeltaprimeAvalanche1.60MUSDC0%7.23%8.51%
Woofi-earnArbitrum1.10MUSDC0%7.32%8.22%
Gains-networkArbitrum13.09MUSDC0%12.05%7.84%
Harvest-financeBase3.41MUSDC0%8.25%7.68%
Ipor-fusionBase1.91MUSDC0%8.29%7.64%
AutofinanceArbitrum3.10MUSDC1.91%9.72%7.37%
Yo-protocolBase29.05MUSDC0%7.59%7.06%
LoopscaleSolana9.37MUSDC0%8.64%6.96%
Ipor-fusionEthereum6.76MUSDC0%6.67%6.93%
Euler-v2Arbitrum1.09MUSDC0%5.42%6.81%
Euler-v2Avalanche2.68MUSDC0%7.25%6.79%
Extra-finance-leverage-farmingBase5.74MUSDC0.22%7.5%6.73%
Storm-tradeTon6.04MUSDT0%4.71%6.61%
AutofinanceBase25.13MUSDC2.41%9.82%6.46%
Euler-v2Arbitrum1.92MUSDC0%6.06%6.4%
AutofinanceEthereum7.90MUSDC1.44%7.6%6.35%
SaveSolana1.16MUSDT0%6.17%5.99%
Yearn-financeEthereum7.18MUSDC0%3.8%5.97%
SaveSolana6.12MUSDC0%6.38%5.9%
Scallop-lendSui1.86MUSDC0%5.72%5.9%
Yearn-financeEthereum4.75MUSDT0%3.28%5.83%
Ipor-fusionEthereum5MUSDT0%5.35%5.57%
Yearn-financeBase2.38MUSDC0%5.2%5.44%
Gains-networkBase1.15MUSDC0%7.1%5.37%
Yearn-financeEthereum32.94MUSDC0%5.02%5.35%
Harvest-financeBase1.75MUSDC0%5.87%5.31%
Harvest-financeBase1.55MUSDC0%5.37%5.19%
Ipor-fusionBase1.75MUSDC0%5.65%5.12%
Yearn-financeEthereum36.72MUSDC0%4.95%4.98%
Euler-v2Ethereum27.26MUSDC0%4.17%4.9%
Harmonix-financeArbitrum3.14MUSDC0%7.37%4.82%
Harvest-financeEthereum1.08MUSDC0%5.36%4.75%
Harvest-financeEthereum1.08MUSDC0%5.36%4.75%
Hyperlend-pooledHyperliquid10.73MUSDC0%5.32%4.71%
Moonwell-lendingBase6.62MUSDC0.76%5.76%4.67%
Flux-financeEthereum1.61MUSDT0%4.62%4.62%
ExactlyOptimism1.35MUSDC0%4.76%4.61%
MapleEthereum1.18BUSDT0.89%5.91%4.56%
Euler-v2Ethereum23.51MUSDC0%5.99%4.48%
ExactlyOptimism1.35MUSDC0%4.55%4.44%
ExactlyOptimism1.35MUSDC0%4.48%4.44%
Benqi-lendingAvalanche7.31MUSDC0%4.28%4.39%
Yearn-financeEthereum14.77MDAI0%4.86%4.33%
Yearn-financeEthereum7.69MUSDT0%5.33%4.27%
Echelon-marketAptos18.37MUSDC0%5.03%4.27%
AcrossEthereum1.58MDAI0.81%7.79%4.25%
Yearn-financeEthereum11.20MDAI0%3.77%4.22%
DolomiteArbitrum4.08MUSDC0%4.55%4.22%
Folks-finance-lendingAlgorand1.94MUSDC0%4.67%4.2%
ExactlyOptimism1.35MUSDC0%4.44%4.2%
ExactlyOptimism1.35MUSDC0%4.16%4.18%
Benqi-lendingAvalanche2.53MUSDT0%5.01%4.17%
ExactlyOptimism1.35MUSDC0%4.15%4.16%
Navi-lendingSui17.26MUSDC1.08%5.1%4.16%
Flux-financeEthereum1.57MUSDC0%4.19%4.13%
Yearn-financeEthereum7.93MUSDT0%4.96%4.02%
Spark-savingsEthereum210.21MUSDC0%4%4%
Spark-savingsAvalanche201.57MUSDC0%4%4%
Spark-savingsEthereum141.33MUSDT0%4%4%
ExactlyOptimism1.35MUSDC0%3.89%3.94%
TermmaxEthereum3.14MUSDC0%6.7%3.88%
ExactlyOptimism1.35MUSDC0%3.78%3.85%
Aave-v3Base99.16MUSDC0%3.27%3.77%
ExactlyOptimism1.35MUSDC0%3.72%3.77%
SparklendEthereum54.38MUSDT0%3.41%3.76%
Fluid-lendingEthereum1.10MUSDC0%3.71%3.71%
Aave-v3Avalanche25.48MUSDC0%3.17%3.68%
Venus-core-poolBSC55.99MUSDT0%2.93%3.67%
Takara-lendSei1.85MUSDC4.95%9.37%3.63%
Yearn-financeEthereum1.09MUSDC0%3.67%3.59%
Yearn-financeEthereum1.11MUSDC0%3.65%3.59%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum828.8M6.78%
Avalanche6241.2M5.26%
Base15290.9M7.42%
BSC156M3.67%
Ethereum291.8B6.53%
Mantle000%
Optimism912.1M4.18%
Polygon000%
Solana419.1M8%
TON16M6.61%
zkSync Era000%