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 3.62% on Apr 16 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
20/04/2026 06:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Euler-v2Avalanche1.54MUSDC0%7.61%48%
Moonwell-lendingBase1.02MUSDC1.52%4.02%23.2%
Moonwell-lendingBase1.02MUSDC1.52%4.02%23.2%
Fluid-lendingArbitrum28.30MUSDC1.09%6.46%14.39%
Venus-fluxBSC39.21MUSDT10.09%9.47%13.39%
Canto-lendingCanto1.35MUSDC0%12.8%12.82%
AvantisBase56.07MUSDC0%9.73%12.1%
Bracket-vaultsEthereum2.70MUSDC0%11.99%11.49%
BitwayBSC13.49MUSDT0%11.54%11%
Fluid-lendingBase8.84MUSDC2.39%7.02%10.72%
AutofinanceArbitrum1.90MUSDC1.91%8.34%10.4%
Aave-v3Ethereum7.27MDAI0%2.65%10.31%
Fluid-lendingEthereum113.38MUSDT1.7%5.24%10.07%
GoldfinchEthereum37.24MUSDC0%10.04%10.06%
AbyssSui1.86MUSDC0%8.79%9.52%
Kamino-lendSolana7.05MUSDC0%2.47%9.13%
Blend-pools-v2Stellar10.10MUSDC0%9.33%8.91%
SymbiosisEthereum1.07MUSDC0%6.42%8.11%
Harvest-financeEthereum1.08MUSDC0%1.72%7.45%
SymbiosisTron1.39MUSDT0%6.93%7.43%
LoopscaleSolana2.27MUSDC0.59%8.39%7.36%
Zerobase-cedefiEthereum14.44MUSDT2%9%7%
Zerobase-cedefiArbitrum7.94MUSDT2%9%7%
Storm-tradeTON3.96MUSDT0%5.3%7%
Harvest-financeBase2.02MUSDC0%6.24%6.93%
Zerobase-cedefiBSC1.37MUSDC2%8.83%6.76%
Zerobase-cedefiBSC23.35MUSDT2%9.07%6.76%
Spectra-metavaultsBase2.31MUSDC6.57%93.63%6.73%
AutofinanceEthereum9.59MUSDC0.53%5.81%6.39%
Extra-finance-leverage-farmingBase3.71MUSDC0%5.1%6.23%
TermmaxBase1.24MUSDC0%4.02%6.02%
Yearn-financeEthereum2.43MUSDC0%5.45%5.92%
Fluid-lendingEthereum164MUSDC1.17%4.45%5.81%
Fluid-lendingEthereum4.83MUSDC0%3.47%5.81%
Gains-networkArbitrum8.63MUSDC0%6.42%5.69%
Yo-protocolBase22.89MUSDC12%14.11%5.42%
Yo-protocolEthereum3.96MUSDC12%14.11%5.42%
LoopscaleSolana1.57MUSDC0%5.16%5.37%
Lazy-summer-protocolBase2.34MUSDC0.69%3.62%5.17%
DeltaprimeAvalanche1.17MUSDC0%5.26%5.06%
Fusion-by-iporBase1.58MUSDC0%2.89%4.98%
AutofinanceBase5.91MUSDC3.49%6.91%4.96%
AutofinanceEthereum8.76MUSDC0%4.39%4.77%
Scallop-lendSui1.69MUSDC0%4.75%4.74%
Woofi-earnArbitrum1.14MUSDC0%4.73%4.73%
Flux-financeEthereum1.57MUSDT0%4.6%4.67%
Euler-v2Ethereum21.88MUSDC0%3.69%4.56%
DolomiteEthereum10.91MUSDC0%5.38%4.4%
Hyperlend-pooledHyperliquid L115.35MUSDC0%4.14%4.3%
SparklendEthereum2.64MUSDC0%4.1%4.14%
Lazy-summer-protocolEthereum10.80MUSDC0.58%3.62%4.05%
Aave-v3Polygon1.09MDAI0%3.68%4%
ExactlyOP Mainnet1.53MUSDC0%2.9%3.99%
ExactlyOP Mainnet1.53MUSDC0%3.66%3.98%
NeverlandMonad15.73MUSDC4.36%8.38%3.92%
MapleEthereum1.98BUSDT0%3.75%3.82%
ExactlyOP Mainnet1.53MUSDC0%4.14%3.82%
ExactlyOP Mainnet1.53MUSDC0%3.46%3.8%
Flux-financeEthereum2.43MUSDC0%3.77%3.77%
ExactlyOP Mainnet1.53MUSDC0%2.18%3.76%
Spark-savingsAvalanche51.08MUSDC0%3.75%3.75%
Spark-savingsEthereum337.22MUSDC0%3.75%3.75%
Yearn-financeEthereum8.88MDAI0%3.23%3.75%
ExactlyOP Mainnet1.53MUSDC0%3.91%3.74%
ExactlyOP Mainnet1.53MUSDC0%3.96%3.71%
ExactlyOP Mainnet1.53MUSDC0%3.91%3.7%
Folks-finance-lendingAlgorand1.97MUSDC0%3.53%3.67%
ExactlyOP Mainnet1.53MUSDC0%3.66%3.65%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum547.9M8.44%
Avalanche353.8M18.94%
Base12108.9M9.64%
BSC477.4M9.48%
Ethereum222.8B6.16%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.1M4%
Solana310.9M7.29%
TON14M7%
zkSync Era000%