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 3.54% on Dec 19 2025). 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
23/12/2025 04:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum4.75MUSDC0%41.5%39.91%
Hatom-lendingMultiversX1.27MUSDC0.33%10.08%18.74%
KiloexBase1.14MUSDC0%28.72%18.16%
Bracket-vaultsEthereum8.70MUSDC0%17.87%16.78%
Blend-pools-v2Stellar4.09MUSDC0%13.13%16.16%
FranciumSolana2.44MUSDC0%13.15%13.15%
AccountableMonad2.34MUSDC10%20.7%11.64%
AvantisBase99.33MUSDC0%12.35%10.81%
GoldfinchEthereum37.74MUSDC0%9.82%10.01%
LiqwidCardano2.49MUSDC1.58%8.63%9.73%
WasabiBase10.39MUSDC0%9.7%9.59%
DeltaprimeArbitrum1.25MUSDC0%9.21%9.58%
Woofi-earnArbitrum1.09MUSDC0%7.17%8.25%
Gains-networkArbitrum13.90MUSDC0%12.08%8.24%
LoopscaleSolana8.77MUSDC0%8.9%7.46%
Silo-v2Avalanche1.87MUSDC0%8.69%7.46%
AutofinanceArbitrum2.88MUSDC2.17%9.81%7.26%
Ipor-fusionBase1.90MUSDC0%8.54%7.14%
Yo-protocolBase29.08MUSDC0%7.79%7.11%
Harvest-financeBase3.45MUSDC0%8.72%6.95%
Euler-v2Avalanche2.32MUSDC0%7.53%6.8%
AutofinanceBase25.39MUSDC2.45%9.98%6.72%
Euler-v2Arbitrum1.26MUSDC0%5.3%6.62%
DeltaprimeAvalanche1.80MUSDC0%7.1%6.6%
Extra-finance-leverage-farmingBase5.85MUSDC0.46%7.62%6.57%
Euler-v2Arbitrum2MUSDC0%6.06%6.36%
SaveSolana5.91MUSDC0%6.51%5.96%
AutofinanceEthereum8.01MUSDC1.45%7.59%5.91%
SaveSolana1.23MUSDT0%6.13%5.91%
Gains-networkBase1.17MUSDC0%7.47%5.87%
Scallop-lendSui2MUSDC0%5.76%5.73%
Yearn-financeBase2.39MUSDC0%5.21%5.59%
TermmaxEthereum3.12MUSDC0%7.19%5.58%
Harmonix-financeArbitrum3.33MUSDC0%7.83%5.54%
Harvest-financeBase1.75MUSDC0%6.04%5.22%
Harvest-financeEthereum1.09MUSDC0%5.41%5.22%
Harvest-financeEthereum1.09MUSDC0%5.41%5.22%
Ipor-fusionBase1.75MUSDC0%5.83%5.2%
Harvest-financeBase1.73MUSDC0%5.44%5.2%
Euler-v2Ethereum17.72MUSDC0%6.24%5.15%
Euler-v2Ethereum25.06MUSDC0%4.22%5.15%
Ipor-fusionEthereum5MUSDT0%5.07%5.06%
Yearn-financeEthereum7.18MUSDC0%3.62%4.81%
Yearn-financeEthereum7.66MUSDT0%5.42%4.74%
Yearn-financeEthereum18.68MUSDC0%5.03%4.73%
ExactlyOptimism1.37MUSDC0%4.78%4.67%
Moonwell-lendingBase6.71MUSDC0.79%5.88%4.63%
Flux-financeEthereum1.65MUSDT0%4.62%4.59%
Hyperlend-pooledHyperliquid12.10MUSDC0%5.43%4.58%
MapleEthereum1.51BUSDT0.89%6.01%4.54%
DolomiteArbitrum3.84MUSDC0%4.49%4.54%
ExactlyOptimism1.37MUSDC0%4.58%4.46%
Yearn-financeEthereum4.75MUSDT0%3.04%4.45%
ExactlyOptimism1.37MUSDC0%4.5%4.45%
Yearn-financeEthereum7.90MUSDT0%5.07%4.35%
Benqi-lendingAvalanche2.28MUSDT0%5.15%4.34%
Yearn-financeEthereum36.48MUSDC0%5.07%4.33%
AcrossEthereum1.58MDAI0.78%8.41%4.31%
Yearn-financeEthereum14.74MDAI0%4.94%4.3%
Benqi-lendingAvalanche7.68MUSDC0%4.29%4.28%
Echelon-marketAptos18.34MUSDC0%5.16%4.26%
Yearn-financeEthereum11.21MDAI0%3.74%4.23%
ExactlyOptimism1.37MUSDC0%4.5%4.2%
ExactlyOptimism1.37MUSDC0%4.16%4.17%
ExactlyOptimism1.37MUSDC0%4.15%4.16%
Yearn-financeEthereum1.93MUSDC0%3.61%4.16%
Flux-financeEthereum1.57MUSDC0%4.3%4.13%
VesperEthereum2.46MUSDC0%4.62%4.13%
Folks-finance-lendingAlgorand2.06MUSDC0%4.76%4.07%
Spark-savingsAvalanche211.78MUSDC0%4%4%
Spark-savingsEthereum199.26MUSDC0%4%4%
Spark-savingsEthereum148.85MUSDT0%4%4%
Euler-v2Arbitrum3.28MUSDC0%4.47%3.99%
ExactlyOptimism1.37MUSDC0%3.88%3.93%
Yearn-financeEthereum1.63MUSDC0%4.97%3.9%
Navi-lendingSui19.66MUSDC1.06%5.18%3.88%
ExactlyOptimism1.37MUSDC0%3.57%3.84%
Takara-lendSei1.79MUSDC5.17%9.72%3.78%
ExactlyOptimism1.37MUSDC0%3.71%3.76%
SparklendEthereum8.65MUSDC0%3.73%3.69%
Aave-v3Avalanche25.69MUSDC0%3.15%3.68%
Aave-v3Base105.62MUSDC0%3.21%3.66%
Fluid-lendingEthereum1.10MUSDC0%3.69%3.55%
Fluid-lendingEthereum268MUSDC1.15%5.03%3.55%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum932.8M6.71%
Avalanche7253.4M5.31%
Base15297.7M7.23%
BSC000%
Ethereum302.4B6.28%
Mantle000%
Optimism912.3M4.18%
Polygon000%
Solana418.4M8.12%
TON000%
zkSync Era000%