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 3.52% on Jan 09 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
13/01/2026 16:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum4.82MUSDC0%39.79%36%
Hatom-lendingMultiversX1.27MUSDC0.33%20.27%18.74%
Bracket-vaultsEthereum7.99MUSDC0%16.38%15.5%
Blend-pools-v2Stellar1.25MUSDC0.72%15.21%13.8%
AvantisBase99.87MUSDC0%10.29%13.37%
FranciumSolana2.44MUSDC0%13.15%13.15%
Blend-pools-v2Stellar5.29MUSDC0%13.26%13.09%
WasabiSolana2.22MUSDC0%10.87%11.48%
Ipor-fusionEthereum5.01MUSDT0%6.14%11.11%
LiqwidCardano2.37MUSDC1.58%11.34%10.47%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
AccountableMonad1.08MUSDC9.48%19.08%8.59%
LoopscaleSolana2.40MUSDC0.9%10.04%8.42%
WasabiBase10.25MUSDC0%9.01%8.06%
AutofinanceEthereum7.53MUSDC1.17%7.62%7.88%
Gains-networkBase1.33MUSDC0%6.72%7.58%
Extra-finance-leverage-farmingBase5.70MUSDC0.07%7.02%7.06%
Woofi-earnArbitrum1.22MUSDC0%7.65%7.02%
Harvest-financeBase3.46MUSDC0%7.07%7.01%
Euler-v2Avalanche2.03MUSDC0%8.76%6.88%
Ipor-fusionBase2.08MUSDC0%7.51%6.79%
DeltaprimeAvalanche1.87MUSDC0%7.23%6.75%
Yo-protocolBase27.49MUSDC0%7%6.73%
Yearn-financeEthereum11.43MUSDC0%3.98%6.56%
LoopscaleSolana11.70MUSDC0%6.91%6.31%
Harvest-financeEthereum1.07MUSDC0%5.17%6.17%
Scallop-lendSui1.57MUSDC0%5.74%6.12%
Euler-v2Arbitrum1.15MUSDC0%6.3%5.92%
SaveSolana6.47MUSDC0%5.82%5.83%
Harvest-financeBase1.72MUSDC0%5.36%5.7%
AutofinanceBase24.39MUSDC2.26%8.65%5.69%
Hyperlend-pooledHyperliquid8.74MUSDC0%5.3%5.68%
Yearn-financeEthereum1.61MUSDC0%4.21%5.57%
Euler-v2Arbitrum1.34MUSDC0%5.87%5.47%
Ipor-fusionBase1.73MUSDC0%5.21%5.47%
Yearn-financeEthereum1.07MUSDC0%4.63%5.33%
Benqi-lendingAvalanche4.04MUSDC0%4.57%5.33%
Echelon-marketAptos12.21MUSDC0%4.8%5.28%
Yearn-financeEthereum7.75MUSDT0%4.52%5.11%
Harvest-financeBase1.49MUSDC0%5.42%5.1%
DeltaprimeArbitrum1.23MUSDC0%8.36%5.04%
Harmonix-financeArbitrum1.66MUSDC0%5.4%5%
DolomiteArbitrum2.53MUSDC0%4.64%4.97%
TermmaxEthereum1.06MUSDC0%4.49%4.96%
TermmaxEthereum1.06MUSDC0%4.49%4.96%
Yearn-financeEthereum2.61MUSDC0%4.77%4.86%
SaveSolana2.19MUSDT0%5.65%4.85%
Navi-lendingSui14.80MUSDC1.35%5.22%4.82%
VesperEthereum2.42MUSDC0%3.9%4.71%
Yearn-financeEthereum8MUSDT0%4.23%4.68%
Flux-financeEthereum1.63MUSDT0%4.6%4.61%
Yearn-financeEthereum14.59MDAI0%4.48%4.59%
MapleEthereum1.60BUSDT0%5.42%4.58%
Euler-v2Ethereum22.73MUSDC0%4.89%4.57%
Gains-networkArbitrum14.26MUSDC0%11.04%4.52%
Euler-v2Ethereum31.93MUSDC0%4.52%4.48%
ExactlyOptimism1.80MUSDC0%4.43%4.41%
SparklendEthereum5MUSDC0%3.94%4.38%
ExactlyOptimism1.80MUSDC0%4.43%4.35%
Benqi-lendingAvalanche2.30MUSDT0%4.27%4.34%
Moonwell-lendingBase7.82MUSDC0.83%5.46%4.33%
Folks-finance-lendingAlgorand1.90MUSDC0%4.17%4.29%
AutofinanceArbitrum3.46MUSDC1.73%8.99%4.2%
ExactlyOptimism1.80MUSDC0%4.18%4.19%
ExactlyOptimism1.80MUSDC0%4.16%4.18%
ExactlyOptimism1.80MUSDC0%4.51%4.15%
Flux-financeEthereum1.58MUSDC0%4.13%4.13%
ExactlyOptimism1.80MUSDC0%4.2%4.1%
Yearn-financeBase2.31MUSDC0%5.39%4.09%
Aave-v3Avalanche12.41MUSDC0%3.47%4.07%
Euler-v2Ethereum1.96MUSDC0%3.38%4.06%
Spark-savingsAvalanche205.69MUSDC0%4%4%
Spark-savingsEthereum178.53MUSDT0%4%4%
Spark-savingsEthereum171.34MUSDC0%4%4%
ExactlyOptimism1.80MUSDC0%3.94%3.98%
Aave-v3Linea1.20MUSDC0%3.04%3.9%
ExactlyOptimism1.80MUSDC0%3.86%3.9%
Echelon-marketAptos2.37MUSDT0%3.27%3.9%
ExactlyOptimism1.80MUSDC0%3.78%3.82%
ExactlyOptimism1.80MUSDC0%3.4%3.71%
Aave-v3Base95.33MUSDC0%3.65%3.66%
Yearn-financeEthereum33.42MUSDC0%4.46%3.65%
Aave-v3Ethereum632.07MUSDC0%3.31%3.6%
Aave-v3Polygon1.60MDAI0%3.38%3.59%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum826.9M5.27%
Avalanche6228.4M5.23%
Base14285M6.47%
BSC000%
Ethereum272.8B6.82%
Hyperliquid18.7M5.68%
Mantle000%
Optimism1018M4.08%
Polygon11.6M3.59%
Solana627.4M8.34%
TON000%
zkSync Era000%