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 3.59% on Jan 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
27/01/2026 20:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum4.95MUSDC0%35.87%31.55%
Hatom-lendingMultiversX1.27MUSDC0.33%19.38%18.74%
Bracket-vaultsEthereum7.19MUSDC0%15.68%15.18%
Blend-pools-v2Stellar1.31MUSDC0.9%14.67%13.74%
FranciumSolana2.44MUSDC0%13.15%13.15%
Blend-pools-v2Stellar5.90MUSDC0%12.76%11.9%
LiqwidCardano1.96MUSDC1.58%12.36%11.79%
AcrossEthereum1.37MDAI0.83%3.12%11.5%
AvantisBase101.68MUSDC0%10.78%10.07%
GoldfinchEthereum37.74MUSDC0%10.01%10.01%
Gains-networkArbitrum12.30MUSDC0%7.58%10.01%
Moar-marketAptos1.17MUSDC4.74%16.76%9.11%
AutofinanceEthereum12.85MUSDC0.52%8.49%8.4%
Gains-networkBase2.19MUSDC0%8.69%8.01%
LoopscaleSolana2.79MUSDC0.56%9.42%7.9%
Ipor-fusionBase1.93MUSDC0%7.57%7.88%
Harvest-financeBase3.44MUSDC0%6.64%7.62%
Ipor-fusionEthereum5.89MUSDT0%7.52%7.26%
Woofi-earnArbitrum1.19MUSDC0%7.24%7.14%
Euler-v2Avalanche1.72MUSDC0%9.2%7.11%
Yo-protocolBase25.97MUSDC0%7.1%7.07%
DeltaprimeAvalanche1.86MUSDC0%7.42%6.87%
WasabiBase9.82MUSDC0%7.88%6.84%
Yearn-financeEthereum1.08MUSDC0%4.58%6.56%
Yearn-financeEthereum32.23MUSDC0%4.67%6.14%
SymbiosisEthereum1.22MUSDC0%4.37%6.13%
Extra-finance-leverage-farmingBase6.31MUSDC0.07%6.73%6.08%
Hyperlend-pooledHyperliquid7.28MUSDC0%5.22%6.03%
DolomiteArbitrum2MUSDC0%4.57%5.97%
AutofinanceBase23.27MUSDC1.81%8.09%5.8%
LoopscaleSolana14.49MUSDC0%6.28%5.79%
Harmonix-financeArbitrum1.34MUSDC0%5%5.76%
Yearn-financeEthereum14.24MDAI0%4.34%5.76%
Yearn-financeEthereum36.09MUSDC0%4.35%5.56%
Silo-v2Avalanche2.75MUSDC0%9.38%5.49%
Storm-tradeTon5.84MUSDT0%7.69%5.39%
Harvest-financeEthereum1.08MUSDC0%5.08%5.37%
Navi-lendingSui11.33MUSDC0.88%5.7%5.24%
Fluid-lendingEthereum344.97MUSDC1.01%4.57%5%
Scallop-lendSui2.41MUSDC0%5.73%4.99%
Harvest-financeBase1.56MUSDC0%5.35%4.99%
Fluid-lendingEthereum2.33MUSDC0%3.4%4.99%
TermmaxEthereum1.07MUSDC0%4.83%4.91%
Benqi-lendingAvalanche5.46MUSDC0%4.83%4.89%
Yearn-financeEthereum7.74MUSDT0%4.75%4.89%
Euler-v2Ethereum22.77MUSDC0%4.68%4.85%
MapleEthereum1.74BUSDT0%5.09%4.8%
SymbiosisTron1.34MUSDT0%4.32%4.76%
Ipor-fusionBase1.56MUSDC0%5.02%4.65%
Flux-financeEthereum1.65MUSDT0%4.6%4.59%
WasabiSolana1.68MUSDC0%10.95%4.58%
Euler-v2Ethereum31.78MUSDC0%4.57%4.57%
Yearn-financeEthereum7.95MUSDT0%4.47%4.51%
Compound-v3Ethereum39.68MUSDC0.12%3.86%4.45%
Echelon-marketAptos16.33MUSDC0%4.75%4.4%
ExactlyOptimism1.84MUSDC0%4.41%4.39%
AutofinanceArbitrum1.61MUSDC2.16%7.6%4.38%
VesperEthereum2.56MUSDC0%4.08%4.27%
NeverlandMonad2.70MUSDC9.89%17.77%4.27%
ExactlyOptimism1.84MUSDC0%4.19%4.21%
Folks-finance-lendingAlgorand1.88MUSDC0%4.24%4.21%
Yearn-financeBase1.03MUSDC0%4.91%4.21%
Yearn-financeBase1.03MUSDC0%4.91%4.21%
ExactlyOptimism1.84MUSDC0%4.18%4.2%
Yearn-financeBase2.33MUSDC0%4.9%4.2%
Flux-financeEthereum1.56MUSDC0%4.13%4.14%
DolomiteEthereum12.72MUSDC0%3.31%4.13%
Benqi-lendingAvalanche2.64MUSDT0%4.46%4.11%
Folks-finance-xchainPolygon1.23MUSDT0%6.03%4.07%
ExactlyOptimism1.84MUSDC0%4.24%4.06%
SparklendEthereum6.65MUSDC0%3.92%4.05%
ExactlyOptimism1.84MUSDC0%3.98%4.03%
Spark-savingsEthereum143.04MUSDT0%4%4%
Spark-savingsEthereum162.50MUSDC0%4%4%
Spark-savingsAvalanche166.12MUSDC0%4%4%
Yearn-financeEthereum10.83MDAI0%2.95%3.99%
Aave-v3Ethereum441.05MUSDC0%3.51%3.99%
ExactlyOptimism1.84MUSDC0%3.9%3.96%
Aave-v3Linea1.10MUSDC0%3.42%3.95%
ExactlyOptimism1.84MUSDC0%3.82%3.87%
Aave-v3Avalanche15.71MUSDC0%3.71%3.84%
ExactlyOptimism1.84MUSDC0%3.71%3.81%
ExactlyOptimism1.84MUSDC0%4.01%3.69%
Moonwell-lendingBase10.57MUSDC0.58%5%3.67%
ExactlyOptimism1.84MUSDC0%3.48%3.61%
Aave-v3Base78.12MUSDC0%3.56%3.6%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum518.4M6.65%
Avalanche7196.3M5.19%
Base15270.8M5.93%
BSC000%
Ethereum303.1B6.65%
Hyperliquid17.3M6.03%
Mantle000%
Optimism1018.4M3.98%
Polygon11.2M4.07%
Solana421.4M7.86%
TON15.8M5.39%
zkSync Era000%