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 3.59% on Jan 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
01/02/2026 04:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Gains-networkArbitrum13.01MUSDC0%7.93%18.95%
Gains-networkBase2.30MUSDC0%9.97%16.89%
Bracket-vaultsEthereum4.07MUSDC0%15.51%14.9%
AcrossEthereum1.37MDAI0.72%4.34%14.78%
LiqwidCardano1.46MUSDC1.58%12.44%14.53%
Blend-pools-v2Stellar1.28MUSDC0.86%14.2%14.19%
FranciumSolana2.44MUSDC0%13.15%13.15%
Blend-pools-v2Stellar6.32MUSDC0%12.55%10.84%
AvantisBase93.36MUSDC0%10.85%10.29%
GoldfinchEthereum37.74MUSDC0%10.01%10.01%
AutofinanceEthereum12.51MUSDC0.39%8.67%8.4%
Ipor-fusionBase1.87MUSDC0%7.65%7.71%
LoopscaleSolana2.96MUSDC0.56%9.14%7.25%
Woofi-earnArbitrum1.19MUSDC0%7.13%7.15%
Ipor-fusionEthereum5.90MUSDT0%7.79%7.07%
WasabiBase10.04MUSDC0%7.55%7.06%
Yo-protocolBase27.65MUSDC14%7.94%6.95%
Yearn-financeEthereum14.33MDAI0%4.64%6.89%
Yearn-financeEthereum33.30MUSDC0%4.63%6.85%
DolomiteEthereum7.32MUSDC0%3.66%6.62%
Hyperlend-pooledHyperliquid8.67MUSDC0%5.53%6.15%
DeltaprimeAvalanche1.83MUSDC0%7.18%6.07%
LoopscaleSolana10.78MUSDC0%6.22%5.85%
Harvest-financeBase3.05MUSDC0%6.44%5.71%
DolomiteArbitrum2.16MUSDC0%4.71%5.65%
AutofinanceBase22.68MUSDC1.41%7.94%5.48%
Extra-finance-leverage-farmingBase5.74MUSDC0.13%6.62%5.47%
Storm-tradeTon5.85MUSDT0%7.56%5.34%
Harmonix-financeArbitrum1.33MUSDC0%5.05%5.3%
WasabiSolana1.49MUSDC0%9.18%5.15%
Scallop-lendSui2.14MUSDC0%5.7%5.11%
Euler-v2Ethereum21.87MUSDC0%4.7%5.06%
Harvest-financeEthereum1.07MUSDC0%5%5.05%
Harvest-financeEthereum1.07MUSDC0%5%5.05%
Euler-v2Ethereum35.66MUSDC0%4.58%4.96%
Folks-finance-lendingAlgorand1.41MUSDC0%4.26%4.83%
AutofinanceEthereum8.69MUSDC0%1.6%4.82%
Euler-v2Avalanche4MUSDC0%9.17%4.78%
VesperEthereum2.43MUSDC0%4.19%4.74%
MapleEthereum1.72BUSDT0%4.94%4.65%
Echelon-marketAptos13.75MUSDC0%4.73%4.64%
NeverlandMonad2.80MUSDC9.07%16.29%4.63%
Flux-financeEthereum1.64MUSDT0%4.6%4.6%
Yearn-financeBase2.33MUSDC0%4.79%4.42%
ExactlyOptimism1.82MUSDC0%4.4%4.39%
Harvest-financeBase1.54MUSDC0%5.3%4.35%
Benqi-lendingAvalanche6.64MUSDC0%4.88%4.31%
Takara-lendSei1.28MUSDC3.69%8.54%4.26%
Navi-lendingSui10.45MUSDC0.85%5.73%4.23%
Ipor-fusionBase1.54MUSDC0%4.95%4.22%
Aave-v3Ethereum8.33MUSDC0%4.34%4.22%
ExactlyOptimism1.82MUSDC0%4.2%4.22%
ExactlyOptimism1.82MUSDC0%4.19%4.21%
Flux-financeEthereum1.47MUSDC0%4.13%4.18%
AutofinanceArbitrum1.33MUSDC2.01%7.22%4.12%
SparklendEthereum6.32MUSDC0%3.95%4.11%
ExactlyOptimism1.82MUSDC0%3.99%4.04%
Folks-finance-xchainPolygon2.06MUSDT0%6.06%4.02%
Spark-savingsAvalanche94.61MUSDC0%4%4%
Spark-savingsEthereum123.01MUSDT0%4%4%
Spark-savingsEthereum207.03MUSDC0%4%4%
Yearn-financeEthereum10.83MDAI0%2.83%3.99%
ExactlyOptimism1.82MUSDC0%3.92%3.98%
Yearn-financeEthereum7.74MUSDT0%4.78%3.94%
ExactlyOptimism1.82MUSDC0%3.84%3.88%
Yearn-financeEthereum7.98MUSDT0%4.5%3.87%
ExactlyOptimism1.82MUSDC0%3.74%3.84%
Aave-v3Ethereum473.04MUSDC0%3.65%3.84%
SymbiosisTron1.57MUSDT0%4.35%3.78%
ExactlyOptimism1.82MUSDC0%3.91%3.76%
Aave-v3Base50.44MUSDC0%3.6%3.74%
Fluid-lendingEthereum3.09MUSDC0%3.66%3.69%
Fluid-lendingEthereum359.04MUSDC0.88%4.82%3.69%
Moonwell-lendingBase9.98MUSDC0%4.84%3.66%
Kamino-lendSolana32.49MUSDC0%2.87%3.66%
ExactlyOptimism1.82MUSDC0%3.51%3.62%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum519M8.23%
Avalanche4107.1M4.79%
Base13232.5M6.61%
BSC000%
Ethereum273.1B5.85%
Hyperliquid18.7M6.15%
Mantle000%
Optimism916.4M3.99%
Polygon12.1M4.02%
Solana550.2M7.01%
TON15.9M5.34%
zkSync Era000%