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 May 28 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
01/06/2026 00:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Canto-lendingCanto1.35MUSDC0%13.26%13.61%
LazyEthereum1.08MUSDC0%8.17%12.75%
Ember-protocolEthereum38.05MUSDC0%15.97%12.57%
AutofinanceEthereum1.90MUSDC0%9.65%11.8%
Harmonix-financeHyperliquid L118.25MUSDC0%10.24%10.52%
AvantisBase43.97MUSDC0%10.66%10.49%
Bracket-vaultsEthereum2.72MUSDC0%10.67%10.4%
GoldfinchEthereum36.71MUSDC0%10.05%10.12%
Ember-protocolSui1.15MUSDC0%10.01%10.01%
Bitway-earnBSC21.46MUSDT0%10.5%10%
Harvest-financeBase1.90MUSDC0%9.72%9.64%
YieldseekerBase1.90MUSDC0%8.96%9.5%
Ember-protocolSui1.64MUSDC0%9.59%8.75%
Ember-protocolSui1.13MUSDC0%7.76%8.59%
Blend-pools-v2Stellar10.76MUSDC0%8.62%8.34%
Ember-protocolSui6.02MUSDC4%12%8%
Fluid-lendingArbitrum43.28MUSDC0%5.46%7.98%
SymbiosisTron1.38MUSDT0%7.39%7.43%
Ember-protocolEthereum2.79MUSDC0%7.5%7.22%
LoopscaleSolana1.66MUSDC0.69%8%7.12%
Gains-networkArbitrum5.15MUSDC0%6.57%7.03%
Zerobase-cedefiArbitrum7.61MUSDT2%9%7%
Zerobase-cedefiEthereum14.29MUSDT2%9%7%
DeltaprimeAvalanche1.03MUSDC0%6.41%6.95%
Moonwell-lendingBase1.48MUSDC1.24%5.73%6.9%
Zerobase-cedefiBSC2.15MUSDC2%8.76%6.76%
Zerobase-cedefiBSC24.55MUSDT2%8.76%6.76%
Ember-protocolEthereum4.56MUSDC0%7.02%6.75%
Extra-finance-leverage-farmingBase3.50MUSDC0%6.22%6.66%
Kamino-lendSolana7MUSDC0%5.69%6.13%
Aave-v3Avalanche5.31MUSDC0%5.55%6.01%
Fluid-lendingEthereum132.49MUSDC1.27%5.73%5.93%
Fluid-lendingEthereum8.52MUSDC0%3.65%5.93%
Harvest-financeEthereum1.09MUSDC0%4.88%5.9%
Fluid-lendingBase9.41MUSDC0%5.55%5.66%
Storm-tradeTON3.57MUSDT0%6.13%5.62%
LoopscaleSolana1.16MUSDC0%5.53%5.47%
Centrifuge-protocolMonad10MUSDC0%1.34%5.38%
Ember-protocolSui2.98MUSDC0%7.38%5.38%
Benqi-lendingAvalanche2.74MUSDC0%7.19%5.36%
Hyperlend-pooledHyperliquid L111.93MUSDC0%5.18%5.24%
Yearn-financeEthereum5.12MUSDC0%5.68%5.18%
AutofinanceBase7.75MUSDC3.06%8.5%5.07%
AutofinanceEthereum7.60MUSDC0.63%5.08%5.04%
Ember-protocolSui1.72MUSDC6.53%12.9%4.95%
Aave-v3Avalanche2.60MUSDT0%5.67%4.9%
Benqi-lendingAvalanche1.19MUSDT0%5.49%4.79%
Yearn-financeEthereum11.42MUSDC0%5.16%4.75%
Flux-financeEthereum1.67MUSDT0%4.58%4.6%
Navi-lendingSui4.47MUSDC0.58%4.76%4.56%
Folks-finance-lendingAlgorand1.29MUSDC0%4.49%4.54%
AmpleBase4.35MUSDC0%4.71%4.48%
Folks-finance-xchainPolygon1.03MUSDT0%4.57%4.47%
Folks-finance-xchainPolygon1.03MUSDT0%4.57%4.47%
DolomiteArbitrum1.43MUSDC0%4.5%4.47%
Centrifuge-protocolEthereum174.50MUSDC0%4.38%4.45%
Centrifuge-protocolAvalanche258.95MUSDC0%4.42%4.45%
Centrifuge-protocolBase1.09MUSDC0%4.38%4.45%
Centrifuge-protocolEthereum6.88MUSDC0%4.38%4.45%
Yo-protocolEthereum3.14MUSDC0%4.1%4.42%
Yo-protocolBase14.65MUSDC0%4.1%4.42%
TermmaxBase1.25MUSDC0%3.76%4.34%
ExactlyOP Mainnet1.57MUSDC0%4.14%4.18%
ExactlyOP Mainnet1.57MUSDC0%4.11%4.16%
Jupiter-lendSolana426.53MUSDC1.15%4.75%4.13%
Euler-v2Monad2.38MUSDC0%6.86%4.11%
MapleEthereum0.99BUSDT0%4.35%4.09%
ExactlyOP Mainnet1.57MUSDC0%4.03%4.07%
ExactlyOP Mainnet1.57MUSDC0%3.92%4.03%
ExactlyOP Mainnet1.57MUSDC0%3.91%4%
SparklendEthereum3.56MUSDC0%4.15%4%
ExactlyOP Mainnet1.57MUSDC0%3.94%3.99%
TermmaxEthereum6.71MUSDC0%3.32%3.98%
ExactlyOP Mainnet1.57MUSDC0%3.93%3.97%
ExactlyOP Mainnet1.57MUSDC0%3.93%3.96%
Jupiter-lendSolana20.74MUSDT0%3.26%3.86%
Lazy-summer-protocolBase1.41MUSDC0.7%3.92%3.79%
ExactlyOP Mainnet1.57MUSDC0%1.4%3.76%
Flux-financeEthereum2.66MUSDC0%3.68%3.69%
Yearn-financeEthereum2.66MUSDC0%3.49%3.64%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum457.5M6.62%
Avalanche6271.8M5.41%
Base1292.6M6.28%
BSC348.2M7.84%
Ethereum231.5B6.46%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon22.1M4.47%
Solana5457.1M5.34%
TON13.6M5.62%
zkSync Era000%