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 3.57% on Jan 15 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
17/01/2026 20:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum4.98MUSDC0%38.8%35.14%
Hatom-lendingMultiversX1.27MUSDC0.33%20.41%18.74%
Bracket-vaultsEthereum8.12MUSDC0%16.18%15.56%
Storm-tradeTon5.91MUSDT0%5.48%14.97%
Blend-pools-v2Stellar5.39MUSDC0%13.21%13.4%
FranciumSolana2.44MUSDC0%13.15%13.15%
AvantisBase100.38MUSDC0%10.59%12.51%
Blend-pools-v2Stellar1.35MUSDC0.78%15.07%12.33%
Ipor-fusionEthereum6.91MUSDC0%6.91%12.18%
Gains-networkBase1.97MUSDC0%7.7%11.24%
Ipor-fusionEthereum5.12MUSDT0%6.79%10.69%
LiqwidCardano2.35MUSDC1.58%11.61%10.54%
WasabiSolana2.20MUSDC0%11.7%10.08%
GoldfinchEthereum38.01MUSDC0%10.01%10.01%
Euler-v2Avalanche1.92MUSDC0%8.88%9.98%
AutofinanceEthereum9.67MUSDC0.92%7.9%8.94%
LoopscaleSolana2.71MUSDC0.82%9.84%8.08%
WasabiBase10.32MUSDC0%8.84%7.64%
DeltaprimeAvalanche1.81MUSDC0%7.46%7.56%
Yo-protocolBase26.23MUSDC0%6.99%7.45%
Woofi-earnArbitrum1.23MUSDC0%7.56%6.97%
Extra-finance-leverage-farmingBase6.29MUSDC0.14%6.97%6.61%
LoopscaleSolana11.42MUSDC0%6.56%6.59%
Harvest-financeBase1.29MUSDC0%6.26%6.06%
AutofinanceBase24.79MUSDC2.17%8.48%5.95%
Scallop-lendSui1.77MUSDC0%5.72%5.84%
Gains-networkArbitrum13.68MUSDC0%9.78%5.82%
Harvest-financeBase1.74MUSDC0%5.36%5.48%
Euler-v2Arbitrum1.56MUSDC0%6.29%5.25%
Harvest-financeBase3.39MUSDC0%6.83%5.12%
Benqi-lendingAvalanche5.30MUSDC0%4.71%5.03%
Benqi-lendingAvalanche1.39MUSDT0%4.39%5.02%
TermmaxEthereum1.06MUSDC0%4.36%4.96%
TermmaxEthereum1.06MUSDC0%4.36%4.96%
Hyperlend-pooledHyperliquid10.89MUSDC0%5.19%4.94%
MapleEthereum1.60BUSDT0%5.26%4.91%
Ipor-fusionBase1.74MUSDC0%5.18%4.84%
Navi-lendingSui14.99MUSDC1.31%5.44%4.79%
Harvest-financeEthereum1.07MUSDC0%5.13%4.79%
Yearn-financeEthereum7.98MUSDT0%4.61%4.75%
Harmonix-financeArbitrum1.56MUSDC0%5.11%4.72%
NeverlandMonad2MUSDC11.12%18.68%4.69%
Euler-v2Ethereum30.37MUSDC0%4.79%4.66%
Yearn-financeEthereum9.52MUSDC0%4.67%4.62%
Echelon-marketAptos16.10MUSDC0%4.79%4.62%
Flux-financeEthereum1.65MUSDT0%4.61%4.59%
Yearn-financeBase2.37MUSDC0%5.26%4.49%
Yearn-financeEthereum8.13MUSDT0%4.32%4.44%
ExactlyOptimism1.80MUSDC0%4.43%4.4%
AutofinanceArbitrum1.76MUSDC2.35%8.54%4.38%
Folks-finance-lendingAlgorand1.82MUSDC0%4.17%4.37%
Harvest-financeBase1.15MUSDC0%5.34%4.36%
Euler-v2Ethereum27.15MUSDC0%4.8%4.35%
GearboxMonad4.60MUSDC3.87%8.9%4.3%
Yearn-financeEthereum14.55MDAI0%4.39%4.29%
Yearn-financeEthereum33.98MUSDC0%4.37%4.28%
Yearn-financeEthereum1.08MUSDC0%4.56%4.24%
ExactlyOptimism1.80MUSDC0%4.18%4.2%
ExactlyOptimism1.80MUSDC0%4.17%4.19%
Flux-financeEthereum1.58MUSDC0%4.13%4.13%
ExactlyOptimism1.80MUSDC0%4.43%4.12%
Euler-v2Ethereum1.95MUSDC0%3.48%4.11%
VesperEthereum2.56MUSDC0%3.98%4.07%
SparklendEthereum35.71MUSDT0%3.34%4.01%
DolomiteArbitrum3.56MUSDC0%4.61%4.01%
Spark-savingsAvalanche214.79MUSDC0%4%4%
Spark-savingsEthereum154.60MUSDT0%4%4%
Spark-savingsEthereum176.51MUSDC0%4%4%
ExactlyOptimism1.80MUSDC0%3.95%3.99%
SparklendEthereum7.22MUSDC0%3.93%3.95%
ExactlyOptimism1.80MUSDC0%3.87%3.92%
ExactlyOptimism1.80MUSDC0%4.37%3.88%
ExactlyOptimism1.80MUSDC0%3.79%3.84%
Echelon-marketAptos2.47MUSDT0%3.36%3.82%
Aave-v3Avalanche16.33MUSDC0%3.6%3.8%
ExactlyOptimism1.80MUSDC0%3.54%3.75%
Yearn-financeEthereum11.07MDAI0%3.05%3.73%
Euler-v2Arbitrum1.91MUSDC0%6.1%3.68%
Moonwell-lendingBase10.76MUSDC0.74%5.38%3.66%
ExactlyOptimism1.80MUSDC0%2.94%3.61%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum725.3M4.97%
Avalanche6241.5M5.9%
Base13192.4M6.57%
BSC000%
Ethereum272.2B6.83%
Hyperliquid110.9M4.94%
Mantle000%
Optimism1018M3.99%
Polygon000%
Solana418.8M9.47%
TON15.9M14.97%
zkSync Era000%