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 3.52% on Jan 08 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
12/01/2026 02:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum4.80MUSDC0%40.2%36.07%
Hatom-lendingMultiversX1.27MUSDC0.33%19.53%18.74%
Bracket-vaultsEthereum7.99MUSDC0%16.49%15.65%
Blend-pools-v2Stellar1.24MUSDC0.83%15.19%13.98%
Blend-pools-v2Stellar5.12MUSDC0%13.09%13.73%
WasabiSolana2.08MUSDC0%10.64%13.71%
FranciumSolana2.44MUSDC0%13.15%13.15%
AvantisBase99.38MUSDC0%10.15%12.92%
LiqwidCardano2.36MUSDC1.58%11.22%10.48%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
Gains-networkBase1.32MUSDC0%6.64%9.24%
LoopscaleSolana1.11MUSDC1.03%10.08%8.83%
AccountableMonad1.08MUSDC9.48%18.97%8.59%
Ipor-fusionEthereum6.90MUSDC0%7.56%7.67%
WasabiBase10.28MUSDC0%9.13%7.6%
Ipor-fusionBase2.08MUSDC0%7.54%7.36%
Euler-v2Avalanche2.22MUSDC0%8.25%7.26%
DeltaprimeArbitrum1.23MUSDC0%8.48%7.15%
Woofi-earnArbitrum1.20MUSDC0%7.67%7.07%
Ipor-fusionEthereum5.01MUSDT0%5.91%6.98%
Extra-finance-leverage-farmingBase5.72MUSDC0.07%7.06%6.85%
Yo-protocolBase29.29MUSDC0%7.02%6.78%
Harvest-financeBase3.52MUSDC0%7.09%6.72%
DeltaprimeAvalanche1.87MUSDC0%7.31%6.72%
AutofinanceArbitrum3.12MUSDC1.7%9.13%6.64%
AutofinanceEthereum7.51MUSDC1.19%7.58%6.35%
LoopscaleSolana12.55MUSDC0%7.05%6.19%
Scallop-lendSui1.54MUSDC0%5.74%6.17%
AutofinanceBase24.68MUSDC2.27%8.74%5.91%
Euler-v2Arbitrum1.39MUSDC0%5.58%5.81%
SaveSolana6.58MUSDC0%5.84%5.79%
Harvest-financeBase1.66MUSDC0%5.43%5.77%
Harvest-financeBase1.73MUSDC0%5.37%5.67%
Gains-networkArbitrum14.29MUSDC0%11.33%5.43%
SaveSolana1.60MUSDT0%5.7%5.41%
Ipor-fusionBase1.73MUSDC0%5.2%5.34%
Harvest-financeEthereum1.08MUSDC0%5.14%5.32%
Hyperlend-pooledHyperliquid10.01MUSDC0%5.34%5.27%
DolomiteArbitrum2.30MUSDC0%4.61%5.25%
Yearn-financeBase2.31MUSDC0%5.42%5.23%
Benqi-lendingAvalanche4.71MUSDC0%4.51%5.14%
VesperEthereum2.42MUSDC0%3.79%5.07%
Echelon-marketAptos13.27MUSDC0%4.78%5.03%
Moonwell-lendingBase5.73MUSDC0.91%5.46%4.94%
Yearn-financeEthereum1.07MUSDC0%4.58%4.82%
Yearn-financeEthereum1.07MUSDC0%4.58%4.82%
Yearn-financeEthereum18.76MUSDC0%4.78%4.82%
MapleEthereum1.42BUSDT0%5.48%4.62%
Flux-financeEthereum1.63MUSDT0%4.6%4.61%
Euler-v2Ethereum22.37MUSDC0%5.03%4.6%
Euler-v2Ethereum31.40MUSDC0%4.5%4.53%
Navi-lendingSui17.19MUSDC1.27%5.17%4.48%
Harmonix-financeArbitrum1.76MUSDC0%5.54%4.46%
ExactlyOptimism1.72MUSDC0%4.44%4.41%
SparklendEthereum4.99MUSDC0%3.93%4.38%
Yearn-financeEthereum33.94MUSDC0%4.47%4.37%
ExactlyOptimism1.72MUSDC0%4.44%4.36%
Yearn-financeEthereum7.74MUSDT0%4.54%4.28%
Yearn-financeEthereum14.58MDAI0%4.48%4.26%
ExactlyOptimism1.72MUSDC0%4.54%4.25%
Folks-finance-lendingAlgorand1.92MUSDC0%4.19%4.25%
Benqi-lendingAvalanche2.48MUSDT0%4.31%4.23%
ExactlyOptimism1.72MUSDC0%4.18%4.19%
ExactlyOptimism1.72MUSDC0%4.16%4.18%
ExactlyOptimism1.72MUSDC0%4.21%4.14%
Flux-financeEthereum1.58MUSDC0%4.13%4.13%
Compound-v3Ethereum40.49MUSDC0.13%3.75%4.09%
Yearn-financeEthereum8MUSDT0%4.25%4.01%
Spark-savingsAvalanche201.99MUSDC0%4%4%
Spark-savingsEthereum193.82MUSDC0%4%4%
Spark-savingsEthereum192.52MUSDT0%4%4%
Storm-tradeTon5.87MUSDT0%4.28%3.98%
ExactlyOptimism1.72MUSDC0%3.94%3.97%
Euler-v2Ethereum2.08MUSDC0%3.3%3.93%
ExactlyOptimism1.72MUSDC0%3.85%3.9%
ExactlyOptimism1.72MUSDC0%3.77%3.81%
Aave-v3Base92.79MUSDC0%3.62%3.71%
ExactlyOptimism1.72MUSDC0%3.38%3.71%
Aave-v3Linea1.52MUSDC0%2.99%3.63%
NeverlandMonad1.58MUSDC12.52%19.58%3.59%
Aave-v3Avalanche20.22MUSDC0%3.41%3.58%
Fluid-lendingEthereum1.39MUSDC0%3.64%3.53%
Fluid-lendingEthereum313.41MUSDC1.18%4.8%3.53%
Echelon-marketAptos2.79MUSDT0%3.27%3.53%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum725.3M5.97%
Avalanche6233.5M5.15%
Base14282.2M6.72%
BSC000%
Ethereum272.4B6.46%
Hyperliquid110M5.27%
Mantle000%
Optimism1017.2M4.09%
Polygon000%
Solana626.4M8.85%
TON15.9M3.98%
zkSync Era000%