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 % on ). 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
03/10/2026 21:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Neutral-tradeSolana2.26MUSDC0%40.38%78.06%
Neutral-tradeSolana1.40MUSDC0%67.5%50.73%
Gains-networkArbitrum4.82MUSDC0%37.79%34.38%
Harvest-financeBase1.84MUSDC0%48.09%32.67%
EnsuroEthereum1.31MUSDC0%21.13%30.92%
Ember-protocolSui8.48MUSDC0%6.84%24.08%
Lista-lendingBSC1.37MUSDT0%6.4%20.02%
VerantaBase9.56MUSDC0%18.43%18.68%
AccountableEthereum2.29MUSDC12.12%38.3%16.89%
AccountableMonad7.50MUSDC1.41%16.42%16.25%
AccountableEthereum1.05MUSDC0.75%14.82%14.25%
Ember-protocolEthereum1.64MUSDC0%15.53%12.93%
Ember-protocolEthereum2.62MUSDC0%12.97%12.9%
AccountableEthereum11.06MUSDC0%12.45%12.13%
AccountableMonad5.44MUSDC0.5%12.1%11.64%
AccountableMonad75MUSDC0.43%11.71%11.4%
Pareto-creditEthereum11.10MUSDC0%10.59%10.59%
Ember-protocolSui9.33MUSDC0%10.13%10%
AguaEthereum7.48MUSDC0%10%10%
Neutral-tradeSolana2.47MUSDC0%14.05%9.78%
AccountableEthereum3.37MUSDC0%11.61%9.54%
Nawa-protocolZIGChain3.45MUSDC0%9.11%9.51%
Ember-protocolEthereum3.71MUSDC0%9.59%9.42%
Pareto-creditEthereum1.98MUSDC0%9.38%9.38%
Midas-rwaEthereum31.30MUSDC0%6.77%8.89%
Ember-protocolEthereum5.51MUSDC0%10.88%8.8%
Neutral-tradeSolana4.25MUSDC0%12%8.74%
Midas-rwaEthereum3.30MUSDC0%7.1%8.27%
Midas-rwaEthereum2.53MUSDC0%7.1%8.27%
Coinmerce-capitalHyperliquid L11.74MUSDC0%7.82%8.19%
Pareto-creditEthereum123.89MUSDC0%7.83%8.06%
Bitway-earnBSC19.77MUSDT0%8%8%
Ember-protocolSui8.85MUSDC4%12%8%
Ember-protocolEthereum17.75MUSDC0%11.65%8%
Midas-rwaEthereum1.70MUSDC0%8.5%7.92%
Midas-rwaEthereum65.72MUSDC0%7.55%7.57%
Bitway-earnBSC5.60MUSDT0%7.5%7.5%
Neutral-tradeSolana1.39MUSDC0%9.34%7.4%
AccountableMonad2.33MUSDC0.5%7.34%7.28%
Yearn-financeEthereum11.89MUSDC0%6.66%7.13%
Harvest-financeEthereum1.18MUSDC0%7.42%7.12%
Fusion-by-iporEthereum1.28MUSDC0%6.24%7.07%
Harvest-financeBase1.06MUSDC0%7.32%7.02%
Zerobase-cedefiEthereum14.07MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.62MUSDT2%9%7%
Extra-finance-leverage-farmingBase3.35MUSDC0%6.29%6.97%
Rhea-lendNear2.02MUSDT0%8.3%6.87%
Yearn-financeEthereum7.62MUSDC0%6.85%6.82%
Zerobase-cedefiBSC17.95MUSDT2%8.76%6.76%
Zerobase-cedefiBSC1.94MUSDC2%8.76%6.76%
Blend-pools-v2Stellar11.72MUSDC0%7.62%6.66%
Midas-rwaEthereum6.87MUSDC0%6.82%6.64%
Pareto-creditEthereum22.06MUSDC0%6.68%6.62%
Euler-v2Monad5.81MUSDC1.25%7.81%6.57%
Centrifuge-protocolEthereum2.68MUSDT0%3.96%6.55%
Sentora-curatorEthereum94.39MUSDC0%7.43%6.51%
Midas-rwaEthereum26.25MUSDC0%8.1%6.48%
Loopscale-lendingSolana2.94MUSDC0%6.98%6.4%
Midas-rwaBase51.54MUSDC0%2.76%6.2%
Midas-rwaRobinhood Chain36.04MUSDC0%2.82%6.2%
Midas-rwaEthereum34.06MUSDC0%6.65%6.1%
Harmonix-financeHyperliquid L119.12MUSDC0%6.73%6.04%
Kamino-lendSolana7.33MUSDC0%6.45%5.99%
Rhea-lendNear1.98MUSDC0%7.28%5.95%
SymbioticEthereum1.01MUSDC0%6.19%5.57%
SymbioticEthereum1.01MUSDC0%6.19%5.57%
MapleEthereum661.11MUSDT0%4.82%5.55%
Fluid-lendingBase10.68MUSDC4.95%6.03%5.52%
Kamino-lendSolana2.86MUSDC0%4.73%5.47%
AutofinanceEthereum7.63MUSDC0.99%6.19%5.44%
Benqi-lendingAvalanche1.88MUSDC0%5.95%5.35%
Aave-v3Avalanche2.10MUSDT0%4.2%5.31%
Fluid-lendingArbitrum56MUSDC0%4.26%5.26%
AccountableMonad7.21MUSDC0.5%5.83%5.23%
Aave-v3Avalanche5.95MUSDC0%5.02%5.1%
Alchemix-v3Ethereum7.73MUSDC0%5.43%5.03%
AutofinanceBase3.70MUSDC5.06%10.55%4.96%
Native-credit-poolEthereum1.14MUSDC0%4.93%4.93%
Navi-lendingSui9.51MUSDC0.61%5.17%4.87%
Yearn-financeBase1.52MUSDC0%4.93%4.82%
Storm-tradeTON2.71MUSDT0%5.09%4.76%
Fluid-lendingEthereum131.28MUSDT0%4.57%4.73%
Fluid-lendingEthereum129.01MUSDC0%4.49%4.67%
Aave-v3Monad13.36MUSDC1.17%6.05%4.52%
Fusion-by-iporBase2.91MUSDC0%6.11%4.5%
Yo-protocolBase8.09MUSDC0%4.26%4.47%
Yo-protocolEthereum1.35MUSDC0%4.26%4.47%
Centrifuge-protocolBase7.15MUSDC0%3.83%4.46%
Centrifuge-protocolPharos4.56MUSDC0%3.23%4.46%
SymbiosisEthereum1.24MUSDC0%4.71%4.44%
Flux-financeEthereum1.96MUSDT0%4.45%4.44%
Kamino-lendSolana1.42MUSDC0%4.24%4.42%
Midas-rwaEthereum6.44MUSDC0%3.73%4.4%
Midas-rwaEtherlink1.13MUSDC0%3.7%4.4%
Kamino-lendSolana11.31MUSDC0%4.59%4.39%
ExactlyOP Mainnet1.56MUSDC0%4.39%4.38%
ExactlyOP Mainnet1.56MUSDC0%4.33%4.34%
Ember-protocolEthereum2.04MUSDC0%4.44%4.32%
ExactlyOP Mainnet1.56MUSDC0%4.33%4.32%
ExactlyOP Mainnet1.56MUSDC0%4.28%4.3%
CurvanceMonad3.11MUSDC1.8%5.91%4.29%
Fusion-by-iporBase1.06MUSDC1.81%6.73%4.29%
TydroInk16.41MUSDC0%4.05%4.27%
ExactlyOP Mainnet1.56MUSDC0%4.19%4.24%
Kamino-lendSolana1.27MUSDT0%3.4%4.22%
ExactlyOP Mainnet1.56MUSDC0%4.14%4.2%
Yearn-financeEthereum2.39MUSDC0%4.01%4.18%
ExactlyOP Mainnet1.56MUSDC0%4.18%4.15%
Flux-financeEthereum1.57MUSDC0%4.01%4.15%
Aave-v4Ethereum2.55MUSDC0%4.84%4.11%
ExactlyOP Mainnet1.56MUSDC0%3.96%4.07%
ExactlyOP Mainnet1.56MUSDC0%0.69%4.02%
ExactlyOP Mainnet1.56MUSDC0%2.35%3.84%
Compound-v3Ethereum37.81MUSDC0%4.66%3.78%
Hyperlend-pooledHyperliquid L17.03MUSDC0%4.78%3.78%
Aave-v3Base19.27MUSDC0%3.79%3.75%
Yearn-financeEthereum19.50MUSDC0%3.7%3.74%
Aave-v3Ethereum156.07MUSDC0%4.11%3.69%
Aave-v3Ethereum57.60MUSDC1.69%5.69%3.69%
Aave-v3Ethereum188.13MUSDT0%3.63%3.68%
Aave-v3Ethereum63.79MUSDT1.6%5.13%3.68%
Aave-v4Ethereum2.12MUSDT0%4.06%3.65%
Spark-savingsEthereum308.27MUSDC0%3.6%3.6%
Spark-savingsAvalanche8.63MUSDC0%3.6%3.6%
Spark-savingsEthereum447.47MUSDT0%3.44%3.5%
Midas-rwaEtherlink4.94MUSDC0%5.03%3.45%
Yearn-financeEthereum1.12MUSDC0%3.42%3.44%
Midas-rwaEthereum72.74MUSDC0%3.45%3.4%
Midas-rwaEtherlink1.22MUSDC0%3.45%3.4%
SparklendEthereum16MUSDT0%3.41%3.4%
SparklendEthereum4.10MUSDC0%3.42%3.39%
DolomiteEthereum28.85MUSDC3.99%7.31%3.34%
Aave-v3BSC1.66MUSDC0%3.32%3.33%
Native-credit-poolEthereum1.87MUSDT0%3.31%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Venus-core-poolBSC47.01MUSDT0%2.95%3.29%
Compound-v3Ethereum16.38MUSDT0%3.04%3.24%
Aave-v3Ethereum14.35MDAI0%3.12%3.23%
Venus-core-poolBSC11.79MUSDC0%3.4%3.21%
Kamino-lendSolana1.11MUSDC0%5.93%3.21%
Benqi-lendingAvalanche1.11MUSDT0%3.54%3.18%
Aave-v3Arbitrum19.47MUSDC0%2.99%3.17%
Yearn-financeEthereum5.74MUSDT0%3.31%3.13%
Compound-v3Arbitrum2.35MUSDC0%2.93%3.03%
SaveSolana5.52MUSDC0%3.12%3.02%
Lista-lendingBSC2.70MUSDT0%3.3%2.99%
Aave-v3OP Mainnet1.53MUSDC0%2.75%2.95%
Aave-v3BSC12.30MUSDT0%2.84%2.91%
Aave-v3Ethereum1.49MUSDC0%3.23%2.9%
Lista-lendingBSC1.37MUSDT0%3.13%2.87%
Yearn-financeEthereum7.30MDAI0%3.06%2.84%
Aave-v3Polygon11.66MUSDC0%3.02%2.83%
SparklendEthereum76.37MDAI0%2.56%2.71%
Venus-fluxBSC1.59MUSDT0%2.81%2.66%
Echelon-marketAptos1.82MUSDC2.53%4.52%2.6%
Compound-v3Arbitrum4.73MUSDT0%2.55%2.45%
Gami-labsBase3.03MUSDC0%2.92%2.33%
Spectra-metavaultsBase3.03MUSDC0%2.97%2.33%
Kamino-lendSolana2.33MUSDC0%1.78%2.21%
SaveSolana2.28MUSDT0%1.84%1.95%
CurrentSui20.89MUSDC6.21%8.63%1.94%
Justlend-v1Tron105.41MUSDT0%2.15%1.72%
Lista-lendingEthereum4.45MUSDC6.2%7.02%1.34%
ExactlyOP Mainnet1.56MUSDC0%1%1.15%
Lista-lendingEthereum3.92MUSDT4.65%6.08%0.99%
Aave-v4Avalanche6.72MUSDC4.11%5.07%0.49%
TectonicCronos1.38MUSDC0.02%0.56%0.44%
Lista-lendingBSC1.04MUSDC8.05%4.49%0.35%
AcrossEthereum1.12MUSDT2.94%2.7%0.32%
Aave-v4Avalanche7.30MUSDT6.01%6.65%0.17%
AcrossEthereum1.10MUSDC4.35%4.55%0.11%
CredixSolana13.41MUSDC0%0.07%0.07%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum695M9.22%
Avalanche733.7M3.31%
Base16138.3M7.5%
BSC13126.1M5.44%
Ethereum713B6.18%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon111.7M2.83%
Solana1663.5M12.25%
TON12.7M4.76%
zkSync Era000%