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 % on ). 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
30/09/2026 17:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Neutral-tradeSolana2.25MUSDC0%34.21%61.51%
Gains-networkArbitrum4.52MUSDC0%34.83%58.73%
EnsuroEthereum1.31MUSDC0%20.92%30.89%
Harvest-financeBase1.84MUSDC0%46.37%24.1%
AccountableEthereum2.40MUSDC15.64%37.31%23.86%
Kamino-lendSolana2.95MUSDC0%4.68%19.29%
VerantaBase9.59MUSDC0%17.16%18.42%
Ember-protocolSui8.45MUSDC0%5.48%16.46%
AccountableMonad7.50MUSDC1.22%16.39%15.84%
Ember-protocolEthereum5.55MUSDC0%10.63%14.68%
AccountableEthereum1.05MUSDC0.75%14.87%14.25%
Neutral-tradeSolana4.22MUSDC0%11.26%14.19%
Ember-protocolEthereum1.64MUSDC0%24.74%12.93%
Ember-protocolEthereum2.68MUSDC0%12.97%12.9%
AccountableEthereum11.05MUSDC0%12.45%12.13%
AccountableMonad5.44MUSDC0.5%12.09%11.64%
Midas-rwaEthereum1.70MUSDC0%8.25%11.42%
AccountableMonad74.98MUSDC0.36%11.68%11.4%
AccountableEthereum3.38MUSDC0%12.19%11.02%
Pareto-creditEthereum11.01MUSDC0%10.59%10.59%
Neutral-tradeSolana2.45MUSDC0%14.52%10.54%
Nawa-protocolZIGChain3.44MUSDC0%8.57%10.42%
Aave-v3Avalanche1.86MUSDC0%4.76%10.22%
Ember-protocolSui9.19MUSDC0%10.14%10.01%
AguaEthereum7.47MUSDC0%10%10%
Ember-protocolEthereum3.70MUSDC0%9.6%9.54%
Pareto-creditEthereum1.98MUSDC0%9.38%9.38%
Midas-rwaEthereum31.36MUSDC0%6.45%8.76%
Aave-v4Ethereum2.10MUSDC0%4.7%8.6%
Neutral-tradeSolana1.38MUSDC0%9.6%8.14%
Rhea-lendNear1.93MUSDT0%8.79%8.02%
Bitway-earnBSC22.71MUSDT0%8%8%
Ember-protocolSui8.81MUSDC4%12%8%
Ember-protocolEthereum17.74MUSDC0%11.77%7.93%
Midas-rwaEthereum3.24MUSDC0%6.92%7.84%
Midas-rwaEthereum2.53MUSDC0%6.93%7.84%
Pareto-creditEthereum159.84MUSDC0%7.82%7.82%
Rhea-lendNear1.88MUSDC0%7.8%7.73%
Sentora-curatorEthereum94.45MUSDC0%7.35%7.69%
Blend-pools-v2Stellar10.34MUSDC0%7.62%7.52%
Midas-rwaEthereum65.63MUSDC0%7.53%7.5%
Bitway-earnBSC6.54MUSDT0%7.5%7.5%
Yearn-financeEthereum11.94MUSDC0%6.58%7.49%
Kamino-lendSolana1.73MUSDC0%4.9%7.45%
Hyperlend-pooledHyperliquid L15.30MUSDC0%4.9%7.44%
Centrifuge-protocolMonad10.07MUSDC0%2.02%7.25%
AccountableMonad2.32MUSDC0.5%7.32%7.03%
Zerobase-cedefiEthereum14.07MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.62MUSDT2%9%7%
Euler-v2Monad5.79MUSDC1.25%7.92%6.91%
Yearn-financeEthereum7.58MUSDC0%6.85%6.78%
Zerobase-cedefiBSC18.16MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.17MUSDC2%8.76%6.76%
Harvest-financeBase1.08MUSDC0%7.34%6.74%
Pareto-creditEthereum22.06MUSDC0%6.73%6.62%
Midas-rwaEthereum26.25MUSDC0%7.63%6.48%
Harvest-financeEthereum1.16MUSDC0%8.02%6.48%
Compound-v3Ethereum34.22MUSDC0%4.62%6.44%
Fusion-by-iporEthereum1.28MUSDC0%6.34%6.41%
LoopscaleSolana2.93MUSDC0.34%7.03%6.4%
Extra-finance-leverage-farmingBase3.63MUSDC0%6.28%6.38%
Midas-rwaBase51.54MUSDC0%2.18%6.2%
Midas-rwaRobinhood Chain36.04MUSDC0%2.23%6.2%
Harmonix-financeHyperliquid L119.85MUSDC0%6.83%6.19%
Midas-rwaEthereum34.06MUSDC0%6.74%6.1%
Aave-v3Avalanche2.04MUSDT0%4.16%5.45%
AccountableMonad7.21MUSDC0.5%5.92%5.23%
MapleEthereum630.39MUSDT0%4.76%5.22%
Venus-fluxBSC1.48MUSDT0%2.74%5.2%
Alchemix-v3Ethereum7.80MUSDC0%5.49%5.15%
AutofinanceEthereum7.63MUSDC1.08%6.16%5.15%
Centrifuge-protocolEthereum2.28MUSDT0%3.64%5.07%
Aave-v3Ethereum123.69MUSDC0%4.07%4.97%
Aave-v3Ethereum57.64MUSDC1.69%5.65%4.97%
AutofinanceBase3.70MUSDC5.14%10.32%4.96%
Native-credit-poolEthereum1.09MUSDC0%4.93%4.93%
Midas-rwaEtherlink4.94MUSDC0%5.81%4.89%
Storm-tradeTON2.74MUSDT0%5.15%4.83%
Midas-rwaEthereum7.39MUSDC0%7.02%4.73%
Navi-lendingSui10.15MUSDC0.61%5.16%4.71%
Yearn-financeBase1.53MUSDC0%4.96%4.67%
Fluid-lendingEthereum132.49MUSDC0%4.58%4.56%
Fusion-by-iporBase2.60MUSDC0%6.45%4.54%
Flux-financeEthereum1.94MUSDT0%4.45%4.44%
TydroInk14.04MUSDC0%4.03%4.43%
Midas-rwaEthereum6.44MUSDC0%3.86%4.4%
Midas-rwaEtherlink1.13MUSDC0%3.83%4.4%
Kamino-lendSolana1.03MUSDT0%3.43%4.4%
Fluid-lendingArbitrum64.23MUSDC0%4.06%4.38%
ExactlyOP Mainnet1.59MUSDC0%4.39%4.38%
Ember-protocolEthereum2.04MUSDC0%4.38%4.36%
ExactlyOP Mainnet1.59MUSDC0%4.32%4.34%
ExactlyOP Mainnet1.59MUSDC0%4.33%4.32%
ExactlyOP Mainnet1.59MUSDC0%4.27%4.3%
CurvanceMonad3.13MUSDC1.8%5.83%4.27%
Lista-lendingBSC1.74MUSDT0%6.51%4.27%
ExactlyOP Mainnet1.59MUSDC0%4.18%4.23%
Fusion-by-iporBase1.08MUSDC2.03%6.77%4.22%
ExactlyOP Mainnet1.59MUSDC0%4.12%4.19%
Centrifuge-protocolBase7.14MUSDC0%3.74%4.17%
Centrifuge-protocolPharos4.55MUSDC0%3.13%4.17%
Centrifuge-protocolBSC1.01MUSDC0%3.13%4.17%
Centrifuge-protocolBSC1.01MUSDC0%3.13%4.17%
ExactlyOP Mainnet1.59MUSDC0%4.19%4.16%
Flux-financeEthereum1.57MUSDC0%3.97%4.15%
Yo-protocolBase8.11MUSDC0%4.23%4.13%
Yo-protocolEthereum1.35MUSDC0%4.24%4.13%
Yearn-financeEthereum2.39MUSDC0%3.98%4.13%
ExactlyOP Mainnet1.59MUSDC0%3.93%4.08%
Aave-v3BSC1.21MUSDC0%3.27%4.02%
Aave-v3Base17.82MUSDC0%3.77%3.95%
Fluid-lendingEthereum137.09MUSDT0%4.57%3.85%
ExactlyOP Mainnet1.59MUSDC0%1.95%3.82%
Venus-core-poolBSC7.89MUSDC0%3.32%3.81%
Centrifuge-protocolMonad4.56MUSDC0%2.87%3.79%
DolomiteArbitrum1.59MUSDC0%4.23%3.72%
Aave-v3Ethereum191.23MUSDT0%3.6%3.67%
Aave-v3Ethereum64.13MUSDT1.59%5.08%3.67%
Yearn-financeEthereum19.58MUSDC0%3.71%3.65%
Spark-savingsEthereum304.08MUSDC0%3.59%3.6%
Spark-savingsAvalanche8.68MUSDC0%3.59%3.6%
Aave-v3Ethereum10.39MDAI0%3.1%3.56%
Midas-rwaEthereum72.70MUSDC0%3.44%3.52%
Midas-rwaEtherlink1.22MUSDC0%3.44%3.52%
Spark-savingsEthereum446.60MUSDT0%3.42%3.5%
SymbiosisEthereum1.22MUSDC0%4.75%3.46%
SparklendEthereum4.07MUSDC0%3.43%3.39%
SparklendEthereum15.98MUSDT0%3.34%3.36%
Yearn-financeEthereum5.74MUSDT0%3.31%3.35%
Native-credit-poolEthereum1.89MUSDT0%3.31%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Venus-core-poolBSC47.34MUSDT0%2.9%3.27%
DolomiteEthereum30.31MUSDC3.95%7.31%3.27%
Yearn-financeEthereum1.11MUSDC0%3.43%3.27%
Compound-v3Ethereum20.03MUSDT0%3.03%3.16%
Compound-v3Arbitrum2.29MUSDC0%2.91%3.04%
Aave-v3Monad36.45MUSDC3.02%6.04%3.03%
Aave-v3Xlayer1.57MUSDC0%2.92%2.99%
Aave-v3Arbitrum25.56MUSDC0%2.92%2.97%
Aave-v4Ethereum3.04MUSDT0%4.05%2.95%
Aave-v3BSC11.87MUSDT0%2.79%2.94%
SaveSolana5.39MUSDC0%3.09%2.94%
Aave-v3Polygon11.39MUSDC0%3.03%2.88%
Lista-lendingBSC2.70MUSDT0%3.3%2.86%
Gami-labsBase3.03MUSDC0%2.88%2.82%
Spectra-metavaultsBase3.03MUSDC0%2.93%2.82%
Yearn-financeEthereum7.32MDAI0%3.1%2.81%
Aave-v3OP Mainnet1.86MUSDC0%2.69%2.78%
SparklendEthereum85.77MDAI0%2.52%2.71%
Lista-lendingBSC1.38MUSDT0%3.12%2.5%
Fluid-lendingBase15.98MUSDC5.72%5.57%2.5%
Kamino-lendSolana1.77MUSDC0%1.7%2.45%
Compound-v3Arbitrum4.81MUSDT0%2.57%2.43%
Justlend-v1Tron90.54MUSDT0%2.22%1.96%
SaveSolana2.29MUSDT0%1.82%1.87%
CurrentSui21.82MUSDC6.22%8.82%1.82%
Lista-lendingEthereum4.58MUSDC6.17%7.06%1.31%
Echelon-marketAptos1.78MUSDC4.46%4.31%1.19%
ExactlyOP Mainnet1.59MUSDC0%0.97%1.14%
Lista-lendingEthereum4.07MUSDT4.59%6.18%0.96%
AcrossEthereum1.12MUSDT2.9%2.42%0.85%
Aave-v4Avalanche6.38MUSDC4.43%5.21%0.69%
TectonicCronos1.34MUSDC0.03%0.52%0.47%
Aave-v4Avalanche5.69MUSDT6.57%6.63%0.15%
CredixSolana13.41MUSDC0%0.07%0.07%
AcrossEthereum1.10MUSDC4.28%4.52%0.06%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum7110.6M11.75%
Avalanche524.6M4.02%
Base16142.2M6.73%
BSC14127.2M4.73%
Ethereum683B6.54%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon111.4M2.88%
Solana1241.8M11.61%
TON12.7M4.83%
zkSync Era000%