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 3.91% on Sep 15 2025). 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
17/09/2025 19:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Harvest-financeArbitrum1.44MUSDC0%25.25%55.28%
DeltaprimeAvalanche3.41MUSDC0%15.6%41.27%
Peapods-financeEthereum17.21MUSDC0%24.43%28%
Peapods-financeEthereum10.72MUSDC0%23.44%27.64%
Peapods-financeEthereum9.92MUSDC0%32.78%27.33%
Peapods-financeArbitrum3.79MUSDC0%22.88%22.38%
Colend-protocolCore1.78MUSDT6.69%20.81%16.52%
Stream-financeEthereum119.70MUSDC0%14.91%15.11%
Navi-lendingSui6.37MUSDC0%9.52%14.82%
WasabiBase7.52MUSDC0%11.08%14.67%
DeltaprimeArbitrum1.30MUSDC0%12.91%13.52%
LiqwidCardano3.41MUSDC1.19%16.12%13.34%
FranciumSolana2.44MUSDC0%13.15%13.15%
LiqwidCardano1.06MUSDT1.47%15.08%11.94%
LiqwidCardano1.06MUSDT1.47%15.08%11.94%
Yo-protocolBase21.49MUSDC0%9.36%11.87%
Gains-networkArbitrum13MUSDC0%14.22%11.5%
Ipor-fusionEthereum1.99MUSDC0%4.19%11.2%
Storm-tradeTon6.70MUSDT0%6.9%10.99%
Extra-finance-leverage-farmingBase6.58MUSDC0.39%10.61%10.95%
Harmonix-financeArbitrum4.78MUSDC0%10.53%10.94%
Euler-v2Ethereum20.14MUSDC0%12.69%10.73%
Echelon-marketAptos7.96MUSDC3.46%10.93%10.01%
Moonwell-lendingBase5.56MUSDC1.78%7.78%9.83%
TokemakEthereum12.77MUSDC1.7%11.63%9.67%
Lista-lendingBSC46.34MUSDT0.64%12.46%9.66%
Harvest-financeBase2.69MUSDC0%11.97%9.59%
SuperfundBase2.99MUSDC0.5%12.91%9.56%
GoldfinchEthereum42.69MUSDC0%9.55%9.55%
Harvest-financeBase1.55MUSDC0%7.85%9.44%
Benqi-lendingAvalanche2.72MUSDT0%7.61%9.25%
DolomiteArbitrum2.22MUSDC0%8.5%9.01%
Gains-networkBase1.78MUSDC0%12.13%8.95%
Harvest-financeBase3.20MUSDC0%9.28%8.92%
Harvest-financeBase2.31MUSDC0%8.09%8.72%
Blend-pools-v2Stellar2.08MUSDC0%12.31%8.7%
AvantisBase10.72MUSDC0%4.84%8.5%
Scallop-lendSui1.76MUSDC0%8.33%8.49%
Silo-v2Arbitrum1.14MUSDC0%10.47%8.29%
Lista-lendingBSC11.86MUSDT2.54%9.39%8.13%
Harvest-financeEthereum1.11MUSDC0%8.84%8.13%
Silo-v2Sonic1.99MUSDC0%7.65%8.12%
AvantisBase6.22MUSDC0%3.75%7.93%
TermmaxEthereum2.61MUSDC0%4.93%7.92%
Morpho-blueEthereum8.07MUSDC0%8.35%7.77%
Benqi-lendingAvalanche11.95MUSDC0%8.32%7.68%
TokemakBase26.05MUSDC3.96%11.89%7.67%
Compound-v3Arbitrum2.39MUSDT0.87%5.11%7.52%
Euler-v2Ethereum26.14MUSDC0%9.41%7.46%
Ipor-fusionBase3.20MUSDC0%8.63%7.17%
Woofi-earnArbitrum1.23MUSDC0%8.33%6.98%
Yearn-financeEthereum7.55MUSDC0%5.37%6.91%
MapleEthereum307.37MUSDT2.2%8.9%6.86%
VesperEthereum1.87MUSDC0%5.09%6.78%
Yearn-financeEthereum16.98MUSDC0%7.36%6.6%
Echelon-marketMove1.47MUSDC3.33%10.02%6.53%
Takara-lendSei2.79MUSDC10.79%14.18%6.49%
ExactlyOptimism1.10MUSDC0%5.52%6.45%
Compound-v3Ethereum18.26MUSDT0.55%5.34%6.42%
Echelon-marketMove1.33MUSDT3.1%10.1%6.41%
Euler-v2Arbitrum5.25MUSDC0%4%6.37%
Euler-v2Ethereum1.29MUSDC0%12.94%6.19%
Compound-v2Ethereum15.26MUSDT0%5.12%6.15%
ExactlyOptimism1.10MUSDC0%5.69%6.14%
TermmaxEthereum14.35MUSDC0%5.93%6%
ExactlyOptimism1.10MUSDC0%5.33%5.98%
Polynomial-liquidityPolynomial1.65MUSDC0%6.24%5.96%
Yearn-financeEthereum5.27MUSDT0%3.54%5.87%
Echelon-marketEchelon_initia1.08MUSDC5.28%11.12%5.77%
AcrossEthereum2.28MUSDT2.23%5.59%5.68%
Aave-v3Base55.36MUSDC0%5.35%5.61%
Mars-lendOsmosis1.07MUSDC0%5.53%5.51%
ExactlyOptimism1.10MUSDC0%5.08%5.44%
SaveSolana1.62MUSDT0%5.65%5.41%
Fluid-lendingEthereum274.50MUSDT2.36%7.55%5.4%
TokemakEthereum8.77MUSDC17.79%12.56%5.39%
GearboxEthereum1.06MUSDT0%6.13%5.38%
Euler-v2Linea19.39MUSDC0%5.21%5.37%
Folks-finance-lendingAlgorand1.79MUSDC0%6.9%5.34%
ExactlyOptimism1.10MUSDC0%5.02%5.32%
Yearn-financeEthereum19.26MUSDC0.22%6.67%5.32%
ExactlyOptimism1.10MUSDC0%3.03%5.22%
Aave-v3Avalanche16.55MUSDC0%5.49%5.2%
Aave-v3Sonic6.40MUSDC0%2.76%5.17%
ExactlyOptimism1.10MUSDC0%4.83%5.17%
Euler-v2Unichain2.20MUSDC0%7.79%5.1%
Yearn-financeEthereum6.61MUSDT0%6.18%5.09%
ExactlyOptimism1.10MUSDC0%4.86%5.07%
ExactlyOptimism1.10MUSDC0%4.72%5.04%
ExactlyOptimism1.10MUSDC0%4.68%5.01%
Yearn-financeEthereum16.86MDAI0%5%5%
Kamino-lendSolana1.38MUSDT0%4.4%4.93%
Compound-v3Base2.04MUSDC0.97%6.38%4.91%
Yearn-financeEthereum5.79MUSDT0%4.82%4.9%
Aave-v3Ethereum878.42MUSDT0%4.79%4.89%
Aave-v3Optimism3.65MUSDC0%4.87%4.86%
Aave-v3BSC9.88MUSDT0%4.96%4.84%
Aave-v3Ethereum792.22MUSDC0%4.44%4.79%
Yearn-financeEthereum12.53MDAI0%5.1%4.79%
Aave-v3Polygon9.43MUSDC0%4.65%4.78%
WasabiEthereum2.47MUSDC0%5.13%4.75%
Lista-lendingBSC6.89MUSDT0%7.23%4.71%
Flux-financeEthereum1.55MUSDT0%4.65%4.65%
SaveSolana11.49MUSDC0%4.41%4.65%
Euler-v2Avalanche15.73MUSDT5.16%11.06%4.64%
SandclockEthereum1.08MUSDC15%21.04%4.62%
Folks-finance-xchainPolygon1.28MUSDT4.83%7.39%4.56%
Fluid-lendingEthereum308.80MUSDC2.1%7.63%4.52%
Fluid-lendingEthereum1.49MUSDC0%4.98%4.52%
Euler-v2Ethereum3.16MUSDC0%7.6%4.46%
SparklendEthereum42.80MUSDT0%3.52%4.45%
Aave-v3Polygon1.39MDAI0%4.25%4.44%
Euler-v2Linea27.14MUSDT0%4.19%4.41%
Fluid-lendingArbitrum42.97MUSDC6.18%8.3%4.31%
Aave-v3Linea55MUSDT0%3.91%4.29%
Aave-v3Optimism2.49MUSDT0%4.69%4.16%
Gains-networkArbitrum1.08MDAI0%6.04%4.15%
Aave-v3Ethereum18.36MDAI0%3.49%4.15%
SuperlendEtherlink1.18MUSDC7.25%10.55%4.05%
Kamino-lendSolana103.82MUSDC0%4.73%3.96%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum1280.6M13.35%
Avalanche550.4M13.61%
Base16159.3M9.02%
BSC475M6.84%
Ethereum403.1B8.03%
Mantle000%
Optimism1217.1M5.32%
Polygon312.1M4.59%
Solana5120.7M6.42%
TON16.7M10.99%
zkSync Era000%