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 3.61% on Feb 12 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
14/02/2026 18:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bracket-vaultsEthereum3.30MUSDC0%14.93%14.13%
AvantisBase88.39MUSDC0%11.31%12.97%
Blend-pools-v2Stellar1.62MUSDC0.75%13.75%11.55%
Blend-pools-v2Stellar6.91MUSDC0%11.36%10.61%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
Ipor-fusionEthereum3.92MUSDT0%7.31%7.8%
Harvest-financeBase3.21MUSDC0%6.21%7.75%
Woofi-earnArbitrum1.20MUSDC0%7.09%7.04%
AutofinanceEthereum19.02MUSDC0.32%8.77%6.97%
DeltaprimeAvalanche1.28MUSDC0%6.65%6.96%
LoopscaleSolana3.41MUSDC0.78%7.75%5.87%
WasabiSolana1.72MUSDC0%7.94%5.77%
Echelon-marketAptos6.33MUSDC0%4.85%5.59%
Euler-v2Avalanche1.70MUSDC0%8.2%5.44%
Yearn-financeEthereum1.36MUSDC0%5.45%5.39%
Harmonix-financeArbitrum1.18MUSDC0%5.34%5.37%
Yo-protocolBase29.35MUSDC14%14.57%5.31%
Hyperlend-pooledHyperliquid L114.34MUSDC0%5.9%5.3%
LoopscaleSolana1.23MUSDC2.05%7.89%5.21%
Scallop-lendSui1.79MUSDC0%5.53%5.21%
Euler-v2Ethereum40.55MUSDC0%4.87%5.18%
SymbiosisEthereum1.05MUSDC0%6.04%5.14%
SymbiosisEthereum1.05MUSDC0%6.04%5.14%
SymbiosisTron1.40MUSDT0%4.87%5.06%
Gains-networkArbitrum12.79MUSDC0%10.61%4.9%
AutofinanceBase17.99MUSDC1.58%7.34%4.85%
Ipor-fusionBase1.70MUSDC0%7.13%4.82%
Silo-v2Avalanche1.56MUSDC0%8.08%4.81%
WasabiBase7.63MUSDC0%6.81%4.77%
VesperEthereum2.56MUSDC0%4.57%4.7%
Flux-financeEthereum1.61MUSDT0%4.61%4.63%
NeverlandMonad1.76MUSDC12.1%13.45%4.56%
Yearn-financeEthereum7.33MUSDT0%4.64%4.5%
Gains-networkBase2.11MUSDC0%10.02%4.43%
DolomiteEthereum10.60MUSDC0%4.5%4.39%
ExactlyOptimism1.74MUSDC0%4.39%4.37%
LiqwidCardano2.71MUSDC1.58%11.7%4.34%
Navi-lendingSui9.24MUSDC0.83%5.26%4.28%
Euler-v2Arbitrum1.07MUSDC0%6.46%4.27%
Harvest-financeBase1.06MUSDC0%4.7%4.25%
ExactlyOptimism1.74MUSDC0%4.22%4.24%
ExactlyOptimism1.74MUSDC0%4.21%4.24%
Flux-financeEthereum1.44MUSDC0%4.16%4.19%
ExactlyOptimism1.74MUSDC0%3.73%4.14%
Yearn-financeEthereum7.56MUSDT0%4.33%4.11%
ExactlyOptimism1.74MUSDC0%4.04%4.1%
Ipor-fusionBase1.06MUSDC0%4.48%4.1%
Extra-finance-leverage-farmingBase4.40MUSDC0%5.55%4.1%
ExactlyOptimism1.74MUSDC0%3.97%4.03%
MapleEthereum1.34BUSDT0%4.62%4.03%
AutofinanceArbitrum1.34MUSDC1.81%6.44%4.02%
Spark-savingsEthereum216.80MUSDC0%4%4%
Spark-savingsAvalanche134.55MUSDC0%4%4%
Folks-finance-lendingAlgorand1.83MUSDC0%4.24%3.98%
ExactlyOptimism1.74MUSDC0%3.83%3.93%
ExactlyOptimism1.74MUSDC0%3.88%3.9%
Yearn-financeEthereum33.20MUSDC0%4.65%3.89%
Echelon-marketAptos1.58MUSDT0%3.29%3.88%
Folks-finance-xchainPolygon2.29MUSDT0%5.07%3.88%
Euler-v2Ethereum36.38MUSDC0%4.67%3.83%
ExactlyOptimism1.74MUSDC0%3%3.82%
SparklendEthereum8.15MUSDC0%3.63%3.78%
Aave-v3Base56.75MUSDC0%3.79%3.72%
Yearn-financeEthereum12.70MDAI0%4.48%3.71%
Yearn-financeEthereum1.11MUSDC0%4.3%3.68%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum517.6M5.12%
Avalanche4139.1M5.3%
Base11213.7M5.55%
BSC000%
Ethereum211.8B5.39%
Hyperliquid000%
Mantle000%
Optimism915.6M4.08%
Polygon12.3M3.88%
Solana36.4M5.62%
TON000%
zkSync Era000%