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 3.60% on Feb 23 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
25/02/2026 13:00:03

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%14.38%13.62%
AbyssSui1.71MUSDC0%9.14%11.96%
Gains-networkArbitrum12.21MUSDC0%11.04%11.8%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
AvantisBase89.96MUSDC0%11.16%10.01%
Blend-pools-v2Stellar9.93MUSDC0%11.04%9.41%
Ipor-fusionEthereum3.71MUSDT0%6.75%8.05%
Ipor-fusionBase1.70MUSDC0%6.06%7.25%
Woofi-earnArbitrum1.20MUSDC0%7.1%7.06%
Lazy-summer-protocolEthereum4.78MUSDC0.61%3.81%6.36%
Harvest-financeBase4.20MUSDC0%6.23%6.18%
AutofinanceEthereum19.81MUSDC0.34%7.79%6.13%
LoopscaleSolana1.90MUSDC1.2%7.16%6.12%
Euler-v2Avalanche1.13MUSDC0%7.09%5.79%
Euler-v2Avalanche5.48MUSDC0%6.4%5.79%
WasabiBase6.47MUSDC0%6.1%5.71%
Harmonix-financeArbitrum1.13MUSDC0%5.52%5.65%
WasabiSolana1.67MUSDC0%7.14%5.52%
AutofinanceEthereum5.01MUSDC0%5.08%5.48%
DeltaprimeAvalanche1.21MUSDC0%6.37%5.45%
LiqwidCardano2.36MUSDC1.58%9.24%5.11%
Extra-finance-leverage-farmingBase3.95MUSDC0%4.93%5.04%
Gains-networkBase2.13MUSDC0%8.28%4.87%
Yo-protocolBase28.74MUSDC14%18.81%4.86%
Scallop-lendSui1.88MUSDC0%5.27%4.81%
Flux-financeEthereum1.62MUSDT0%4.62%4.62%
AutofinanceBase17.38MUSDC1.64%6.74%4.53%
Silo-v2Avalanche1.49MUSDC0%7.54%4.51%
Benqi-lendingAvalanche1.67MUSDT0%3.66%4.43%
Hyperlend-pooledHyperliquid L122.07MUSDC0%6.13%4.43%
AutofinanceArbitrum1.42MUSDC1.68%6.26%4.42%
MapleEthereum1.36BUSDT0%4.32%4.37%
Euler-v2Ethereum40MUSDC0%4.9%4.36%
Echelon-marketAptos8.66MUSDC0%4.87%4.35%
Yearn-financeEthereum7.30MUSDT0%4.51%4.34%
Folks-finance-lendingAlgorand1.57MUSDC0%4.13%4.26%
DolomiteEthereum12.43MUSDC0%4.64%4.26%
ExactlyOptimism1.68MUSDC0%4.23%4.25%
Flux-financeEthereum1.45MUSDC0%4.18%4.19%
NeverlandMonad5.24MUSDC7.37%12.68%4.19%
ExactlyOptimism1.68MUSDC0%3.93%4.16%
Euler-v2Arbitrum1.20MUSDC0%5.65%4.14%
ExactlyOptimism1.68MUSDC0%4.08%4.13%
ExactlyOptimism1.68MUSDC0%4.01%4.05%
Spark-savingsEthereum238.14MUSDC0%4%4%
Spark-savingsAvalanche151.98MUSDC0%4%4%
ExactlyOptimism1.68MUSDC0%3.89%3.95%
ExactlyOptimism1.68MUSDC0%4.17%3.95%
Lazy-summer-protocolEthereum16.51MUSDC0.53%4.15%3.85%
Folks-finance-xchainPolygon2.34MUSDT0%3.9%3.84%
Yearn-financeEthereum2.30MUSDC0%6.01%3.8%
SymbiosisTron1.10MUSDT0%4.78%3.74%
SymbiosisTron1.10MUSDT0%4.78%3.74%
Yearn-financeEthereum12.55MDAI0%4.3%3.72%
ExactlyOptimism1.68MUSDC0%3.12%3.72%
Yearn-financeEthereum1.11MUSDC0%4.09%3.66%
ExactlyOptimism1.68MUSDC0%3.82%3.66%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum517.2M6.61%
Avalanche7165.9M8.71%
Base8154.5M6.06%
BSC000%
Ethereum171.8B5.58%
Hyperliquid000%
Mantle000%
Optimism813.4M3.98%
Polygon12.3M3.84%
Solana23.6M5.82%
TON000%
zkSync Era000%