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 3.60% on Jan 22 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
24/01/2026 20:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum4.94MUSDC0%37.3%30.07%
Hatom-lendingMultiversX1.27MUSDC0.33%19.35%18.74%
Bracket-vaultsEthereum7.95MUSDC0%15.83%15.16%
Blend-pools-v2Stellar1.27MUSDC0.78%14.77%13.89%
FranciumSolana2.44MUSDC0%13.15%13.15%
LiqwidCardano1.81MUSDC1.58%12.16%12.78%
Blend-pools-v2Stellar5.79MUSDC0%12.96%12.06%
Ipor-fusionEthereum6.91MUSDC0%6.48%11.53%
AvantisBase101.68MUSDC0%10.88%11.25%
GoldfinchEthereum37.74MUSDC0%10.01%10.01%
Euler-v2Avalanche1.64MUSDC0%9.17%9.04%
Ipor-fusionBase1.94MUSDC0%7.48%8.8%
WasabiSolana1.33MUSDC0%11.73%8.68%
Storm-tradeTon6MUSDT0%7.57%8.49%
AutofinanceEthereum12.91MUSDC0.54%8.38%8.43%
Ipor-fusionEthereum5.88MUSDT0%7.31%8.32%
LoopscaleSolana2.52MUSDC0.56%9.58%8.06%
Harvest-financeBase3.41MUSDC0%6.66%7.68%
Yo-protocolBase25.87MUSDC0%7.06%7.41%
WasabiBase10MUSDC0%8.27%7.14%
Woofi-earnArbitrum1.20MUSDC0%7.35%7.09%
DeltaprimeAvalanche1.89MUSDC0%7.59%6.79%
Gains-networkArbitrum12.12MUSDC0%7.54%6.63%
LoopscaleSolana12.24MUSDC0%6.35%6.51%
Extra-finance-leverage-farmingBase6.22MUSDC0.08%6.8%6.17%
Scallop-lendSui1.67MUSDC0%5.77%5.98%
Gains-networkBase1.99MUSDC0%8.53%5.81%
AutofinanceBase23.89MUSDC1.84%8.19%5.77%
Harvest-financeBase1.17MUSDC0%6.11%5.61%
Harmonix-financeArbitrum1.43MUSDC0%4.96%5.53%
Harvest-financeBase1.57MUSDC0%5.36%5.48%
Hyperlend-pooledHyperliquid9MUSDC0%5.15%5.24%
Navi-lendingSui13.11MUSDC0.85%5.63%5.04%
MapleEthereum1.63BUSDT0%5.15%4.97%
Ipor-fusionBase1.57MUSDC0%5.07%4.94%
TermmaxEthereum1.07MUSDC0%4.67%4.92%
Yearn-financeEthereum20.84MUSDC0%4.52%4.88%
Euler-v2Ethereum22.73MUSDC0%4.65%4.85%
DolomiteArbitrum2.77MUSDC0%4.49%4.83%
Compound-v3Ethereum39.24MUSDC0.12%3.79%4.82%
Benqi-lendingAvalanche5.85MUSDC0%4.8%4.79%
Yearn-financeEthereum1.08MUSDC0%4.49%4.75%
Yearn-financeBase2.34MUSDC0%5.01%4.73%
Flux-financeEthereum1.65MUSDT0%4.61%4.59%
Harvest-financeEthereum1.07MUSDC0%5.07%4.58%
Harvest-financeEthereum1.07MUSDC0%5.07%4.58%
Yearn-financeEthereum32.66MUSDC0%4.28%4.5%
AutofinanceArbitrum1.69MUSDC2.17%7.86%4.45%
Yearn-financeEthereum7.56MUSDT0%4.71%4.45%
Yearn-financeEthereum14.21MDAI0%4.27%4.44%
ExactlyOptimism1.85MUSDC0%4.41%4.39%
Euler-v2Ethereum34.31MUSDC0%4.6%4.36%
Folks-finance-lendingAlgorand1.80MUSDC0%4.23%4.35%
Benqi-lendingAvalanche2.31MUSDT0%4.46%4.32%
SymbiosisTron1.37MUSDT0%4.27%4.27%
ExactlyOptimism1.85MUSDC0%4.19%4.21%
Folks-finance-xchainPolygon1.10MUSDT4.67%5.98%4.2%
ExactlyOptimism1.85MUSDC0%4.18%4.2%
SymbiosisEthereum1.16MUSDC0%4.19%4.19%
Flux-financeEthereum1.56MUSDC0%4.13%4.14%
Yearn-financeEthereum7.99MUSDT0%4.42%4.09%
ExactlyOptimism1.85MUSDC0%4.3%4.08%
Takara-lendSei1.32MUSDC5.05%8.94%4.08%
ExactlyOptimism1.85MUSDC0%3.97%4.02%
Aave-v3Avalanche13.01MUSDC0%3.69%4.01%
Spark-savingsEthereum169.37MUSDC0%4%4%
Spark-savingsEthereum153.21MUSDT0%4%4%
Spark-savingsAvalanche177.68MUSDC0%4%4%
Yearn-financeEthereum10.82MDAI0%3.01%3.99%
ExactlyOptimism1.85MUSDC0%3.89%3.95%
ExactlyOptimism1.85MUSDC0%3.81%3.87%
VesperEthereum2.56MUSDC0%3.98%3.86%
Fluid-lendingEthereum1.62MUSDC0%3.3%3.81%
Fluid-lendingEthereum319.58MUSDC0.95%4.46%3.81%
Aave-v3Ethereum520.20MUSDC0%3.43%3.81%
ExactlyOptimism1.85MUSDC0%3.68%3.8%
DolomiteEthereum17.16MUSDC0%3.08%3.74%
Echelon-marketAptos19.77MUSDC0%4.73%3.72%
Project-0Solana2.26MUSDT0%3.55%3.67%
ExactlyOptimism1.85MUSDC0%4.09%3.67%
ExactlyOptimism1.85MUSDC0%3.43%3.61%
Moonwell-lendingBase10.90MUSDC0.62%5.12%3.61%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum519.2M5.71%
Avalanche6202.4M5.49%
Base13192.5M6.49%
BSC000%
Ethereum303.1B6.26%
Hyperliquid19M5.24%
Mantle000%
Optimism1018.5M3.98%
Polygon11.1M4.2%
Solana520.8M8.01%
TON16M8.49%
zkSync Era000%