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 3.73% on Jul 20 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
22/07/2026 16:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableMonad5.89MUSDC1.53%39.64%30.75%
AccountableMonad86.96MUSDC0.22%13.65%17.6%
AzuroPolygon1.28MUSDT0%7.66%15.8%
Ember-protocolSui5.76MUSDC0%6.14%15.31%
Harvest-financeBase1.87MUSDC0%12.92%13.64%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum8.27MUSDC0%12.89%12.9%
AccountableEthereum2.15MUSDC0%10.92%11.66%
Pareto-creditEthereum15.17MUSDC0%10.59%10.59%
Midas-rwaEthereum49.31MUSDC0%10.56%10.57%
Midas-rwaMonad1.86MUSDC0%10.56%10.57%
Midas-rwaEthereum67.85MUSDC0%12.11%10.32%
Ember-protocolSui1.09MUSDC0%9.8%10.2%
AccountableMonad5.91MUSDC0.47%10.48%10%
GoldfinchEthereum36.72MUSDC0%10.09%10%
AccountableEthereum3.51MUSDC11.54%16.23%9.8%
AccountableMonad10.06MUSDC0.5%9.78%9.71%
Midas-rwaEthereum6.97MUSDC0%8.85%9.71%
Ember-protocolSui1.21MUSDC0%9.76%9.5%
Pareto-creditEthereum2.13MUSDC0%9.38%9.38%
Bracket-vaultsEthereum2.65MUSDC0%9.54%9.31%
Compound-v3Ethereum27.32MUSDC0.1%3.47%8.88%
Ember-protocolEthereum3.30MUSDC0%9.04%8.71%
Ember-protocolSui4.36MUSDC0%8.9%8.67%
Blend-pools-v2Stellar10.99MUSDC0%7.25%8.65%
Pareto-creditEthereum165.30MUSDC0%8.31%8.31%
AvantisBase21.48MUSDC0%9.58%8.09%
Midas-rwaEthereum6.65MUSDC0%7.86%8.09%
Midas-rwaEthereum2.50MUSDC0%7.85%8.09%
Bitway-earnBSC23.40MUSDT0%8.56%8%
Ember-protocolSui7MUSDC4%12%8%
Harmonix-financeHyperliquid L119.92MUSDC0%8.84%7.86%
Midas-rwaEthereum4.54MUSDC0%6.53%7.82%
Midas-rwaEthereum1.98MUSDC0%10.21%7.76%
Midas-rwaEtherlink4.75MUSDC0%7.59%7.63%
Euler-v2Monad2.10MUSDC2.63%6.65%7.6%
Yearn-financeEthereum6.17MUSDC0%6.19%7.41%
Pareto-creditEthereum21.81MUSDC0%7.13%7.13%
AccountableMonad1.83MUSDC0.5%7.39%7.03%
Gami-labsStellar16.92MUSDC0%7%7%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
Centrifuge-protocolPlume Mainnet33.01MUSDC0%5.16%6.99%
Centrifuge-protocolMonad10.05MUSDC0%5.33%6.99%
Ember-protocolEthereum16.92MUSDC0%7.85%6.81%
Ember-protocolSui1.09MUSDC5.22%11.59%6.78%
Ember-protocolSui1.09MUSDC5.22%11.59%6.78%
Zerobase-cedefiBSC21.49MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.01MUSDC2%8.76%6.76%
AutofinanceEthereum8.71MUSDC0.43%6.66%6.64%
Ember-protocolSui1.35MUSDC0%8.22%6.61%
LoopscaleSolana2.90MUSDC0.22%7.62%6.52%
Gains-networkArbitrum6.57MUSDC0%5.78%6.38%
Extra-finance-leverage-farmingBase3.52MUSDC0%6.27%6.24%
YieldseekerBase1.95MUSDC0%8.34%6.17%
Yearn-financeEthereum9.16MUSDC0%6.01%6.05%
Yearn-financeEthereum1.18MUSDC0%4.87%6.02%
Kamino-lendSolana5.97MUSDC0%7%5.99%
Harvest-financeEthereum1.17MUSDC0%7.78%5.95%
Hyperlend-pooledHyperliquid L112.14MUSDC0%6.95%5.85%
Storm-tradeTON3.59MUSDT0%5.88%5.78%
Fusion-by-iporEthereum2.70MUSDC0%6.2%5.64%
AutofinanceBase5.77MUSDC2.31%7.25%5.51%
Fluid-lendingEthereum141.07MUSDC0%5.94%5.44%
Fluid-lendingEthereum9.08MUSDC0%5.66%5.44%
Lista-lendingBSC1.92MUSDT0.55%6.55%5.24%
Fluid-lendingEthereum135.98MUSDT0%5.55%5.17%
Fluid-lendingArbitrum35.41MUSDC0%5.71%5.1%
LoopscaleSolana1.32MUSDC0%5.96%5.06%
Navi-lendingSui6.84MUSDC0.46%5.71%5.02%
Yearn-financeBase1.77MUSDC0%4.96%4.97%
Fluid-lendingBase8.63MUSDC0%5.43%4.89%
SymbiosisTron1.25MUSDT0%6.09%4.89%
AmpleBase4.31MUSDC0%4.38%4.79%
Aave-v3Ethereum8.23MDAI0%4.31%4.69%
Kamino-lendSolana6.01MUSDC0%4.74%4.46%
Euler-v2Ethereum8.14MUSDC0%3.4%4.46%
Flux-financeEthereum2.05MUSDT0%4.44%4.41%
ExactlyOP Mainnet1.76MUSDC0%4.23%4.33%
MapleEthereum0.91BUSDT0%4.08%4.33%
Lista-lendingBSC6.10MUSDT0%4.8%4.32%
Yo-protocolBase9.99MUSDC0%4.11%4.31%
Yo-protocolEthereum2.38MUSDC0%4.11%4.31%
Native-credit-poolBSC5.01MUSDT0%3.96%4.31%
DolomiteArbitrum1.41MUSDC0%4.6%4.28%
ExactlyOP Mainnet1.76MUSDC0%4.19%4.26%
Justlend-v1Tron29.30MUSDT0%1.98%4.25%
TermmaxEthereum4.39MUSDC0%3.45%4.24%
ExactlyOP Mainnet1.76MUSDC0%4.15%4.24%
Native-credit-poolEthereum5.98MUSDC0%3.71%4.2%
ExactlyOP Mainnet1.76MUSDC0%4.06%4.19%
ExactlyOP Mainnet1.76MUSDC0%4.1%4.17%
Centrifuge-protocolAvalanche260.39MUSDC0%3.5%4.1%
Centrifuge-protocolBase50.21MUSDC0%3.5%4.1%
ExactlyOP Mainnet1.76MUSDC0%3.89%4.09%
ExactlyOP Mainnet1.76MUSDC0%3.99%4.05%
ExactlyOP Mainnet1.76MUSDC0%3.63%3.99%
TermmaxBase1.20MUSDC0%3.87%3.89%
Benqi-lendingAvalanche4.44MUSDC0%3.79%3.89%
Centrifuge-protocolEthereum5.74MUSDC0%3.49%3.84%
Centrifuge-protocolBase2.23MUSDC0%3.5%3.84%
Aave-v3Avalanche5.49MUSDC0%3.4%3.81%
ExactlyOP Mainnet1.76MUSDC0%3.94%3.8%
Ember-protocolSui1.19MUSDC0%3.17%3.74%
Kamino-lendSolana18.20MUSDC0%4.44%3.74%
Kamino-lendSolana1.90MUSDC0%4.44%3.74%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum451M5.69%
Avalanche3270.3M3.93%
Base12112.9M5.87%
BSC659.9M5.9%
Ethereum371.7B7.33%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.3M15.8%
Solana636.3M4.92%
TON13.6M5.78%
zkSync Era000%