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 Feb 12 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
16/02/2026 07:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Euler-v2Avalanche2.95MUSDT0%31.01%31.01%
Bracket-vaultsEthereum3.30MUSDC0%14.84%14.07%
AvantisBase88.58MUSDC0%11.32%12.66%
Blend-pools-v2Stellar1.52MUSDC0.74%13.7%11.79%
Blend-pools-v2Stellar7.21MUSDC0%11.29%10.46%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
Ipor-fusionEthereum3.92MUSDT0%7.17%7.78%
Harvest-financeBase3.18MUSDC0%6.29%7.3%
Woofi-earnArbitrum1.15MUSDC0%7.1%7.26%
AutofinanceEthereum19.03MUSDC0.3%8.63%6.57%
DeltaprimeAvalanche1.36MUSDC0%6.6%5.92%
WasabiSolana1.73MUSDC0%7.78%5.89%
LoopscaleSolana3.53MUSDC0.76%7.65%5.87%
Euler-v2Avalanche1.19MUSDC0%5.82%5.82%
Yearn-financeEthereum1.42MUSDC0%5.56%5.43%
Harmonix-financeArbitrum1.17MUSDC0%5.38%5.39%
Euler-v2Avalanche1.82MUSDC0%7.98%5.3%
Euler-v2Avalanche7.45MUSDC0%5.37%5.3%
Hyperlend-pooledHyperliquid L114.36MUSDC0%5.92%5.29%
WasabiBase7.02MUSDC0%6.66%5.24%
Euler-v2Ethereum40.27MUSDC0%4.9%5.21%
Scallop-lendSui1.79MUSDC0%5.51%5.21%
SymbiosisTron1.78MUSDT0%4.88%5.06%
Yo-protocolBase29.55MUSDC14%15.2%5.05%
Gains-networkArbitrum12.73MUSDC0%10.55%4.98%
Echelon-marketAptos7.62MUSDC0%4.83%4.93%
NeverlandMonad3.39MUSDC6.24%13.35%4.91%
LoopscaleSolana1.43MUSDC1.84%7.77%4.88%
Silo-v2Avalanche1.56MUSDC0%8.08%4.81%
AutofinanceBase17.99MUSDC1.51%7.25%4.78%
Flux-financeEthereum1.61MUSDT0%4.61%4.63%
Yearn-financeEthereum7.31MUSDT0%4.61%4.59%
Extra-finance-leverage-farmingBase4.15MUSDC0%5.42%4.53%
VesperEthereum2.56MUSDC0%4.61%4.52%
LiqwidCardano2.64MUSDC1.58%11.38%4.47%
Euler-v2Ethereum29.07MUSDC0%4.65%4.46%
AutofinanceArbitrum1.34MUSDC1.81%6.41%4.45%
Gains-networkBase2.11MUSDC0%9.55%4.44%
ExactlyOptimism1.70MUSDC0%4.39%4.36%
DolomiteEthereum11.32MUSDC0%4.53%4.33%
Ipor-fusionBase1.70MUSDC0%6.98%4.31%
Euler-v2Arbitrum1.07MUSDC0%6.35%4.27%
ExactlyOptimism1.70MUSDC0%4.22%4.24%
ExactlyOptimism1.70MUSDC0%4.21%4.24%
Flux-financeEthereum1.44MUSDC0%4.17%4.19%
Navi-lendingSui9.92MUSDC0.77%5.2%4.18%
ExactlyOptimism1.70MUSDC0%3.76%4.14%
ExactlyOptimism1.70MUSDC0%4.05%4.1%
Yearn-financeEthereum7.54MUSDT0%4.31%4.1%
Ipor-fusionBase1.04MUSDC0%4.42%4.04%
ExactlyOptimism1.70MUSDC0%3.98%4.03%
MapleEthereum1.34BUSDT0%4.58%4.03%
Spark-savingsAvalanche136.59MUSDC0%4%4%
Spark-savingsEthereum233.43MUSDC0%4%4%
Folks-finance-lendingAlgorand1.85MUSDC0%4.22%3.96%
ExactlyOptimism1.70MUSDC0%3.84%3.93%
Harvest-financeBase1.04MUSDC0%4.62%3.88%
Harvest-financeBase1.04MUSDC0%4.62%3.88%
ExactlyOptimism1.70MUSDC0%3.88%3.87%
Folks-finance-xchainPolygon2.39MUSDT0%4.69%3.79%
SparklendEthereum8.17MUSDC0%3.63%3.77%
Yearn-financeEthereum1.11MUSDC0%4.28%3.76%
Yearn-financeEthereum12.69MDAI0%4.46%3.76%
Yearn-financeEthereum33.37MUSDC0%4.63%3.74%
Euler-v2Arbitrum9.72MUSDC0%3.89%3.7%
AbyssSui1.07MUSDC0%4.26%3.7%
AutofinanceEthereum5.01MUSDC0%5.9%3.68%
ExactlyOptimism1.70MUSDC0%2.99%3.67%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum627.2M5.01%
Avalanche7152.9M8.88%
Base11157.4M5.46%
BSC000%
Ethereum201.8B5.33%
Hyperliquid000%
Mantle000%
Optimism915.3M4.06%
Polygon12.4M3.79%
Solana36.7M5.55%
TON000%
zkSync Era000%