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 19 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
21/02/2026 10:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Euler-v2Avalanche2.95MUSDT0%31.01%31.01%
Bracket-vaultsEthereum3.28MUSDC0%14.59%13.8%
Blend-pools-v2Stellar1.45MUSDC0.7%13.76%12.83%
Blend-pools-v2Stellar6.52MUSDC0%11.1%12.16%
AvantisBase90.70MUSDC0%11.28%10.87%
AbyssSui1.21MUSDC0%6.58%10.42%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
Gains-networkArbitrum11.44MUSDC0%10.49%9.29%
Woofi-earnArbitrum1.20MUSDC0%7.11%7.05%
DeltaprimeAvalanche1.28MUSDC0%6.46%6.85%
AutofinanceEthereum21.09MUSDC0.31%8.12%6.39%
Euler-v2Avalanche5.46MUSDC0%6.74%6.34%
LoopscaleSolana1.37MUSDC1.25%7.35%6.3%
Harvest-financeBase4.33MUSDC0%6.44%6.2%
WasabiSolana1.68MUSDC0%7.55%5.95%
Hyperlend-pooledHyperliquid L113.74MUSDC0%6.08%5.83%
Harmonix-financeArbitrum1.15MUSDC0%5.5%5.64%
AutofinanceEthereum5.01MUSDC0%5.48%5.63%
Yo-protocolBase28.91MUSDC14%17.15%5.27%
WasabiBase6.64MUSDC0%6.3%5.06%
Ipor-fusionBase1.70MUSDC0%6.48%5.06%
Yearn-financeEthereum3.97MUSDC0%5.89%5.04%
Ipor-fusionEthereum3.91MUSDT0%6.79%5%
LoopscaleSolana1.22MUSDC2.21%7.42%5%
Scallop-lendSui1.76MUSDC0%5.38%4.97%
Extra-finance-leverage-farmingBase3.99MUSDC0%5.1%4.87%
Echelon-marketAptos7.65MUSDC0%4.89%4.85%
AutofinanceArbitrum1.46MUSDC1.7%6.32%4.82%
LiqwidCardano2.53MUSDC1.58%10.29%4.7%
Flux-financeEthereum1.62MUSDT0%4.61%4.62%
AutofinanceBase17.90MUSDC1.63%6.95%4.6%
Yearn-financeEthereum7.30MUSDT0%4.56%4.5%
SymbiosisEthereum1.51MUSDC0%5.85%4.4%
Lazy-summer-protocolEthereum4.78MUSDC0.71%3.63%4.36%
Euler-v2Ethereum40.05MUSDC0%4.92%4.36%
SymbiosisTron1.19MUSDT0%4.83%4.34%
NeverlandMonad3.16MUSDC7.62%12.78%4.28%
Gains-networkBase2.16MUSDC0%8.43%4.25%
ExactlyOptimism1.72MUSDC0%4.22%4.24%
Navi-lendingSui8.98MUSDC0.69%5.05%4.22%
MapleEthereum1.35BUSDT0%4.42%4.19%
Flux-financeEthereum1.45MUSDC0%4.18%4.19%
DolomiteEthereum13.70MUSDC0%4.57%4.15%
ExactlyOptimism1.72MUSDC0%3.85%4.15%
ExactlyOptimism1.72MUSDC0%4.07%4.12%
Folks-finance-lendingAlgorand1.69MUSDC0%4.16%4.11%
Yearn-financeEthereum1.11MUSDC0%4.2%4.05%
ExactlyOptimism1.72MUSDC0%4%4.04%
ExactlyOptimism1.72MUSDC0%4.21%4.01%
Spark-savingsAvalanche146.73MUSDC0%4%4%
Spark-savingsEthereum228.34MUSDC0%4%4%
ExactlyOptimism1.72MUSDC0%3.87%3.94%
Euler-v2Arbitrum7.88MUSDC0%3.67%3.93%
ExactlyOptimism1.72MUSDC0%4.34%3.92%
Yearn-financeEthereum12.59MDAI0%4.38%3.87%
Benqi-lendingAvalanche2.51MUSDT0%3.7%3.77%
Harvest-financeEthereum1.07MUSDC0%4.05%3.76%
Harvest-financeEthereum1.07MUSDC0%4.05%3.76%
Folks-finance-xchainPolygon2.49MUSDT0%3.92%3.71%
ExactlyOptimism1.72MUSDC0%3.11%3.7%
ExactlyOptimism1.72MUSDC0%3.85%3.63%
Fluid-lendingArbitrum43.28MUSDC0.94%4.09%3.62%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum666.4M5.73%
Avalanche5158.9M10.39%
Base8156.3M5.77%
BSC000%
Ethereum191.7B5.27%
Hyperliquid000%
Mantle000%
Optimism915.5M3.97%
Polygon12.5M3.71%
Solana34.3M5.75%
TON000%
zkSync Era000%