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 3.74% on Jun 29 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
01/07/2026 10:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Ember-protocolEthereum1.99MUSDC0%4.93%71.92%
AccountableEthereum1.04MUSDC0%14.29%14.25%
AccountableEthereum1.04MUSDC0%14.29%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum10.51MUSDC0%12.62%12.9%
AccountableMonad48.66MUSDC0.33%11.01%11.6%
Harvest-financeBase1.86MUSDC0%15.75%11.46%
AvantisBase30.44MUSDC0%9.59%10.75%
AccountableEthereum4.15MUSDC9.71%11.75%10.19%
GoldfinchEthereum36.71MUSDC0%10.12%10.12%
AccountableMonad5.19MUSDC0.45%10.23%10%
Bracket-vaultsEthereum2.64MUSDC0%10.08%9.58%
Harmonix-financeHyperliquid L119.92MUSDC0%9.9%9.22%
Ember-protocolEthereum3.01MUSDC0%8.61%9.15%
AccountableMonad8.94MUSDC0.47%10.96%8.9%
Ember-protocolSui2.70MUSDC0%8.97%8.75%
Ember-protocolSui1.09MUSDC0%8.43%8.66%
Fluid-lendingEthereum116.75MUSDT0.95%5.58%8.44%
Gains-networkArbitrum6.81MUSDC0%9.68%8.41%
YieldseekerBase1.88MUSDC0%8.14%8.33%
AccountableEthereum2.12MUSDC0%6.2%8.26%
TermmaxEthereum1.08MUSDC0%1.56%8.01%
Bitway-earnBSC23.92MUSDT0%9.97%8%
Ember-protocolSui7MUSDC4%12%8%
Aave-v3Ethereum7.12MDAI0%4.01%8%
Fluid-lendingBase8.21MUSDC0%5.34%7.77%
Aave-v3Ethereum80.08MUSDC0%3.45%7.7%
Aave-v3Ethereum61.11MUSDC3.76%7.28%7.7%
Kamino-lendSolana4.65MUSDC0%4.25%7.53%
LoopscaleSolana1.34MUSDC0.74%8.12%7.46%
Kamino-lendSolana2.90MUSDC0%6.39%7.41%
Ember-protocolSui6.91MUSDC0%5.45%7.28%
Ember-protocolSui1.20MUSDC0%11.13%7.25%
Jupiter-lendSolana368.78MUSDC0.82%4.63%7.12%
Zerobase-cedefiEthereum14.20MUSDT2%9%7%
Zerobase-cedefiArbitrum7.63MUSDT2%9%7%
Fusion-by-iporEthereum1.41MUSDC0%6.23%6.96%
AccountableMonad2.94MUSDC0.46%7.7%6.79%
Blend-pools-v2Stellar13.85MUSDC0%7.2%6.78%
Harvest-financeEthereum1.13MUSDC0%8.28%6.77%
Zerobase-cedefiBSC2.13MUSDC2%8.76%6.76%
Zerobase-cedefiBSC22.23MUSDT2%8.76%6.76%
AutofinanceEthereum7.17MUSDC0.35%6.21%6.39%
Fluid-lendingArbitrum36.70MUSDC0%5.98%6.36%
Yearn-financeEthereum9.55MUSDC0%5.21%6.3%
Fluid-lendingEthereum133.02MUSDC0.84%6.51%6.11%
Fluid-lendingEthereum8.22MUSDC0%5.41%6.11%
Storm-tradeTON3.73MUSDT0%5.92%5.99%
Ember-protocolSui1.35MUSDC0%8.06%5.78%
Extra-finance-leverage-farmingBase3.51MUSDC0%6.6%5.7%
LoopscaleSolana1.08MUSDC0%5.8%5.69%
Yearn-financeEthereum5.68MUSDC0%4.8%5.67%
Hyperlend-pooledHyperliquid L111.55MUSDC0%5.87%5.67%
Navi-lendingSui5.03MUSDC0.45%5.97%5.52%
SymbiosisTron1.41MUSDT0%6.76%5.42%
AmpleBase4.28MUSDC0%4.77%5.23%
SymbiosisEthereum1.26MUSDC0%9.31%5.05%
Yearn-financeBase1.71MUSDC0%4.48%4.95%
AutofinanceBase7.06MUSDC1.79%7.59%4.93%
Centrifuge-protocolPlume Mainnet32.92MUSDC0%1.7%4.65%
Flux-financeEthereum1.92MUSDT0%4.52%4.44%
Folks-finance-lendingAlgorand1.35MUSDC0%4.62%4.34%
Ember-protocolSui1.12MUSDC5.71%11.23%4.33%
Yearn-financeEthereum1.18MUSDC0%3.86%4.28%
Moonwell-lendingBase1.92MUSDC0.35%6.51%4.23%
Gains-networkBase2.13MUSDC0%4.12%4.21%
DolomiteArbitrum1.49MUSDC0%3.81%4.21%
MapleEthereum1.07BUSDT0%4.14%4.17%
ExactlyOP Mainnet1.76MUSDC0%4.12%4.17%
ExactlyOP Mainnet1.76MUSDC0%4.16%4.16%
ExactlyOP Mainnet1.76MUSDC0%4.1%4.16%
ExactlyOP Mainnet1.76MUSDC0%4.04%4.09%
ExactlyOP Mainnet1.76MUSDC0%4.03%4.09%
Euler-v2Monad2.20MUSDC3.14%4.27%4.07%
Yo-protocolBase11.11MUSDC0%4.22%4.05%
Yo-protocolEthereum2.66MUSDC0%4.22%4.05%
ExactlyOP Mainnet1.76MUSDC0%3.89%4.02%
ExactlyOP Mainnet1.76MUSDC0%3.95%3.97%
Folks-finance-xchainPolygon1.26MUSDT0%4.11%3.96%
Lista-lendingBSC1.39MUSDT2.59%8.06%3.86%
ExactlyOP Mainnet1.76MUSDC0%3.39%3.82%
TermmaxBase1.20MUSDC0%4.1%3.81%
Lista-lendingBSC4.96MUSDT0.06%4.57%3.76%
Yearn-financeEthereum7.31MUSDT0%3.18%3.75%
Lazy-summer-protocolEthereum9.68MUSDC0.69%3.81%3.75%
Native-credit-poolBSC4.05MUSDT0%3.55%3.74%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum452.6M6.49%
Avalanche000%
Base1275.3M6.28%
BSC658.7M5.48%
Ethereum291.6B9.7%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.3M3.96%
Solana5378.7M7.04%
TON13.7M5.99%
zkSync Era000%