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 3.63% on Mar 25 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
27/03/2026 14:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Spectra-metavaultsBase4.90MUSDC1.72%6.96%15.61%
Bracket-vaultsEthereum3.09MUSDC0%12.9%12.24%
BitwayBSC14.86MUSDT0%12%12%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
Blend-pools-v2Stellar8.69MUSDC0%9.22%9.66%
Storm-tradeTon4.08MUSDT0%3.71%9.24%
AvantisBase76.47MUSDC0%9.98%8.89%
Zerobase-cedefiBSC23.52MUSDT2%9.76%7.76%
Zerobase-cedefiBSC1.35MUSDC2%9%7%
Zerobase-cedefiArbitrum7.94MUSDT2%9%7%
Zerobase-cedefiEthereum14.06MUSDT2%9%7%
LoopscaleSolana1.87MUSDC1.22%7.72%6.88%
AccountableMonad2.08MUSDC2.5%9.59%6.31%
Yearn-financeEthereum1.66MUSDC0%5.13%6.19%
Yearn-financeEthereum2.31MUSDC0%5.07%6.14%
Fluid-lendingBase8.36MUSDC2.63%5.33%6.11%
Fusion-by-iporEthereum3.64MUSDT0%6.48%5.94%
Harvest-financeBase2.01MUSDC0%5.23%5.73%
DeltaprimeAvalanche1.10MUSDC0%5.59%5.65%
DeltaprimeAvalanche1.10MUSDC0%5.59%5.65%
Fluid-lendingArbitrum31.35MUSDC1.02%5.28%5.53%
Gains-networkArbitrum11.07MUSDC0%7.72%5.43%
AutofinanceEthereum10.71MUSDC0.44%5.79%5.4%
LoopscaleSolana2.17MUSDC0%4.21%5.22%
Scallop-lendSui1.60MUSDC0%4.35%4.97%
Gains-networkBase2.42MUSDC0%6.34%4.9%
Benqi-lendingAvalanche1.24MUSDT0%4.75%4.84%
DolomiteEthereum9.79MUSDC0%4.67%4.75%
Woofi-earnArbitrum1.15MUSDC0%5.86%4.74%
Yo-protocolBase28.61MUSDC12%18.44%4.71%
Yo-protocolEthereum12.08MUSDC12%17.31%4.71%
Yearn-financeEthereum7.69MUSDT0%3.67%4.65%
Flux-financeEthereum1.75MUSDT0%4.55%4.54%
Fluid-lendingEthereum194.93MUSDC1.02%4.06%4.43%
Fluid-lendingEthereum4.56MUSDC0%2.89%4.43%
Extra-finance-leverage-farmingBase4.45MUSDC0%5.33%4.41%
Benqi-lendingAvalanche4.94MUSDC0%3.6%4.28%
GearboxMonad1.99MUSDC6.6%6.83%4.27%
ExactlyOptimism1.74MUSDC0%4.2%4.26%
Echelon-marketAptos5.87MUSDC0.48%3.96%4.25%
ExactlyOptimism1.74MUSDC0%4.17%4.2%
AutofinanceBase8.39MUSDC1.98%5.81%4.2%
Hyperlend-pooledHyperliquid L123.41MUSDC0%4.01%4.19%
ExactlyOptimism1.74MUSDC0%4.1%4.14%
SparklendEthereum1.86MUSDC0%3.68%4.14%
Euler-v2Avalanche3.03MUSDC0%6.35%4.14%
Navi-lendingSui10.68MUSDC0.5%4.66%4.07%
ExactlyOptimism1.74MUSDC0%4%4.03%
AbyssSui1.78MUSDC0%8.67%3.9%
WasabiBase4MUSDC0%4.28%3.89%
ExactlyOptimism1.74MUSDC0%2.65%3.89%
ExactlyOptimism1.74MUSDC0%3.89%3.84%
MapleEthereum2.09BUSDT0%4.12%3.84%
Euler-v2Ethereum37.57MUSDC0%4.06%3.77%
Flux-financeEthereum2.46MUSDC0%4.1%3.76%
Yearn-financeEthereum3.97MUSDC0%4.69%3.75%
Spark-savingsAvalanche107.39MUSDC0%3.82%3.75%
Spark-savingsEthereum393.38MUSDC0%3.82%3.75%
ExactlyOptimism1.74MUSDC0%2.61%3.73%
ExactlyOptimism1.74MUSDC0%3.91%3.7%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum451.5M5.68%
Avalanche6118.8M4.72%
Base9139.6M6.49%
BSC339.7M8.92%
Ethereum192.8B5.44%
Hyperliquid000%
Mantle000%
Optimism813.9M3.97%
Polygon000%
Solana24M6.05%
TON14.1M9.24%
zkSync Era000%