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 13:00:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Euler-v2Avalanche1.54MUSDC0%7.97%48%
Fluid-lendingArbitrum27.76MUSDC1.17%6.55%14.17%
Venus-fluxBSC38.42MUSDT10.29%9.63%13.54%
Canto-lendingCanto1.35MUSDC0%12.8%12.82%
AvantisBase55.37MUSDC0%9.74%12.26%
Bracket-vaultsEthereum2.70MUSDC0%11.98%11.49%
BitwayBSC13.54MUSDT0%11.53%11%
Aave-v3Ethereum7.13MDAI0%2.72%10.65%
AutofinanceArbitrum1.88MUSDC1.83%8.4%10.4%
GoldfinchEthereum37.25MUSDC0%10.04%10.06%
AbyssSui1.88MUSDC0%8.83%9.82%
SparklendEthereum9.79MUSDT0%2.09%9.42%
Blend-pools-v2Stellar9.98MUSDC0%9.32%8.95%
Fluid-lendingBase8.70MUSDC2.57%7.09%8.38%
Kamino-lendSolana7.33MUSDC0%2.52%8.11%
SymbiosisEthereum1.10MUSDC0%6.45%8.11%
SymbiosisTron1.49MUSDT0%6.94%7.43%
Harvest-financeEthereum1.08MUSDC0%1.76%7.06%
Zerobase-cedefiArbitrum7.94MUSDT2%9%7%
Zerobase-cedefiEthereum14.44MUSDT2%9%7%
Storm-tradeTON3.96MUSDT0%5.36%7%
Harvest-financeBase2.02MUSDC0%6.26%6.93%
Zerobase-cedefiBSC23.35MUSDT2%9.06%6.76%
Zerobase-cedefiBSC1.36MUSDC2%8.83%6.76%
AutofinanceEthereum9.48MUSDC0.51%5.82%6.39%
Fluid-lendingEthereum116.43MUSDT1.74%5.28%6.22%
Extra-finance-leverage-farmingBase3.71MUSDC0%5.11%6.22%
Fluid-lendingEthereum4.82MUSDC0%3.5%6.18%
Fluid-lendingEthereum161.60MUSDC1.25%4.49%6.18%
TermmaxBase1.24MUSDC0%4.04%5.98%
Yearn-financeEthereum2.43MUSDC0%5.49%5.92%
Gains-networkArbitrum8.44MUSDC0%6.44%5.86%
Yo-protocolEthereum3.95MUSDC12%14.11%5.42%
Yo-protocolBase21.77MUSDC12%14.11%5.42%
LoopscaleSolana1.55MUSDC0%5.16%5.38%
DeltaprimeAvalanche1.17MUSDC0%5.25%5.06%
Fusion-by-iporBase1.58MUSDC0%2.88%4.97%
AutofinanceBase5.81MUSDC3.41%6.94%4.96%
Lazy-summer-protocolBase2.34MUSDC0.65%3.64%4.79%
Woofi-earnArbitrum1.14MUSDC0%4.73%4.73%
AutofinanceEthereum8.76MUSDC0%4.4%4.73%
Flux-financeEthereum1.57MUSDT0%4.6%4.67%
MapleEthereum1.99BUSDT0%3.76%4.66%
Euler-v2Ethereum21.88MUSDC0%3.69%4.64%
DolomiteEthereum11.12MUSDC0%5.37%4.4%
Hyperlend-pooledHyperliquid L115.66MUSDC0%4.14%4.27%
SparklendEthereum2.78MUSDC0%4.1%4.14%
Aave-v3Polygon1.04MDAI0%3.69%4.1%
Aave-v3Polygon1.04MDAI0%3.69%4.1%
ExactlyOP Mainnet1.52MUSDC0%2.92%3.99%
ExactlyOP Mainnet1.52MUSDC0%3.66%3.98%
NeverlandMonad15.68MUSDC4.3%8.38%3.93%
ExactlyOP Mainnet1.52MUSDC0%4.14%3.82%
ExactlyOP Mainnet1.52MUSDC0%3.46%3.8%
Flux-financeEthereum2.43MUSDC0%3.76%3.77%
ExactlyOP Mainnet1.52MUSDC0%2.21%3.76%
Spark-savingsEthereum367.81MUSDC0%3.75%3.75%
Spark-savingsAvalanche51.02MUSDC0%3.75%3.75%
Yearn-financeEthereum8.88MDAI0%3.24%3.75%
ExactlyOP Mainnet1.52MUSDC0%3.91%3.74%
TermmaxEthereum2.01MUSDC0%2.45%3.72%
TermmaxEthereum2.43MUSDC0%2.37%3.72%
ExactlyOP Mainnet1.52MUSDC0%3.96%3.71%
ExactlyOP Mainnet1.52MUSDC0%3.91%3.7%
ExactlyOP Mainnet1.52MUSDC0%3.66%3.65%
Folks-finance-lendingAlgorand1.99MUSDC0%3.54%3.64%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum547.2M8.43%
Avalanche353.7M18.94%
Base9102.5M6.66%
BSC476.7M9.52%
Ethereum242.8B6.09%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon22.1M4.1%
Solana28.9M6.75%
TON14M7%
zkSync Era000%