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 3.81% on Jul 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
26/07/2026 20:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableMonad7.55MUSDC0.71%35.31%20.59%
AccountableMonad97.28MUSDC0.17%14.48%17.6%
AccountableEthereum3.51MUSDC11.55%17.81%16.59%
AccountableEthereum1.05MUSDC0%14.25%14.25%
AccountableEthereum1.05MUSDC0%14.25%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum7.90MUSDC0%12.94%12.9%
AccountableEthereum2.23MUSDC0%11.28%11.64%
Harvest-financeBase1.87MUSDC0%12.68%11.54%
AzuroPolygon1.28MUSDT0%4.67%10.99%
Midas-rwaEthereum48.26MUSDC0%10.57%10.66%
Midas-rwaMonad1.82MUSDC0%10.56%10.66%
Pareto-creditEthereum15.17MUSDC0%10.59%10.59%
Midas-rwaEthereum70.55MUSDC0%11.8%10.38%
Ember-protocolSui1.10MUSDC0%9.86%10.29%
Midas-rwaEthereum6.97MUSDC0%9.01%10.29%
Euler-v2Monad1.75MUSDC2.63%7.47%10.25%
GoldfinchEthereum35.96MUSDC0%10.09%10.21%
Ember-protocolSui1.21MUSDC0%8.6%9.89%
Midas-rwaEthereum7.27MUSDC0%3.86%9.44%
Midas-rwaEtherlink1.12MUSDC0%3.85%9.44%
Pareto-creditEthereum2.13MUSDC0%9.38%9.38%
Bracket-vaultsEthereum2.66MUSDC0%9.47%9.31%
Midas-rwaEtherlink4.78MUSDC0%7.76%9.22%
Ember-protocolEthereum3.23MUSDC0%9.12%9.14%
Ember-protocolSui5.10MUSDC0%8.93%8.86%
AccountableMonad10.08MUSDC0.43%9.92%8.58%
Ember-protocolSui1.33MUSDC0%8.33%8.38%
Pareto-creditEthereum170.72MUSDC0%8.31%8.31%
YieldseekerBase2.03MUSDC0%8.47%8.23%
AvantisBase20.79MUSDC0%9.24%8.08%
Bitway-earnBSC23.39MUSDT0%8.28%8%
Ember-protocolSui7.84MUSDC4%12%8%
Blend-pools-v2Stellar11.59MUSDC0%7.46%7.89%
Yearn-financeEthereum6.17MUSDC0%6.51%7.83%
Midas-rwaEthereum4.54MUSDC0%6.7%7.82%
Midas-rwaEthereum2.50MUSDC0%7.85%7.7%
Midas-rwaEthereum6.66MUSDC0%7.86%7.69%
AccountableMonad2.47MUSDC0.5%7.45%7.28%
Harmonix-financeHyperliquid L120.05MUSDC0%8.53%7.17%
Pareto-creditEthereum21.87MUSDC0%7.13%7.13%
Midas-rwaEthereum1.98MUSDC0%9.82%7.11%
LoopscaleSolana1.46MUSDC0.23%7.47%7.05%
Gami-labsStellar16.81MUSDC0%7%7%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
Kamino-lendSolana3.41MUSDC0%6.91%6.99%
Zerobase-cedefiBSC20.94MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.07MUSDC2%8.76%6.76%
Ember-protocolEthereum16.93MUSDC0%7.16%6.7%
AutofinanceEthereum8.67MUSDC0.42%6.8%6.42%
Yearn-financeEthereum1.18MUSDC0%5.12%6.21%
Ember-protocolEthereum3.95MUSDC0%1.44%6.2%
AutofinanceBase5.27MUSDC2.44%7.42%6.17%
Yearn-financeEthereum9.27MUSDC0%6.05%6.16%
VesperEthereum1.20MUSDC0%1.41%6.15%
Fluid-lendingBase8.63MUSDC0%5.42%6.1%
Extra-finance-leverage-farmingBase3.56MUSDC0%6.39%6.02%
Ember-protocolSui1.08MUSDC6.84%11.87%5.93%
Harvest-financeEthereum1.15MUSDC0%7.03%5.93%
SymbiosisTron1.44MUSDT0%6.07%5.9%
Hyperlend-pooledHyperliquid L111.94MUSDC0%7.02%5.86%
Fusion-by-iporEthereum2.61MUSDC0%5.87%5.75%
Storm-tradeTON3.59MUSDT0%5.84%5.74%
Ember-protocolSui5.68MUSDC0%6.93%5.67%
Fluid-lendingArbitrum35.52MUSDC0%5.59%5.62%
Fluid-lendingEthereum141.27MUSDC0%5.74%5.47%
Fluid-lendingEthereum9.12MUSDC0%5.6%5.47%
Navi-lendingSui6.11MUSDC0.43%5.69%5.23%
Gains-networkArbitrum6.36MUSDC0%6.15%5.15%
Lista-lendingBSC1.89MUSDT0.52%6.68%5.13%
LoopscaleSolana1.48MUSDC0%5.84%4.96%
Yearn-financeBase1.77MUSDC0%4.98%4.93%
SymbiosisEthereum1.07MUSDC0%5.02%4.72%
Euler-v2Ethereum7.84MUSDC0%3.66%4.58%
Centrifuge-protocolAvalanche260.49MUSDC0%3.63%4.58%
Centrifuge-protocolBase50.23MUSDC0%3.63%4.58%
Centrifuge-protocolEthereum5.74MUSDC0%3.61%4.57%
Centrifuge-protocolBase2.02MUSDC0%3.62%4.57%
Kamino-lendSolana5.36MUSDC0%4.75%4.52%
Moonwell-lendingBase1.46MUSDC0.34%4.7%4.51%
TermmaxBase1.20MUSDC0%3.9%4.49%
DolomiteArbitrum1.38MUSDC0%4.7%4.47%
Lista-lendingBSC6.24MUSDT0%4.68%4.46%
Lista-lendingBSC6.25MUSDT0%4.96%4.42%
Flux-financeEthereum2.05MUSDT0%4.44%4.41%
MapleEthereum872.10MUSDT0%4.12%4.37%
Yo-protocolBase10.02MUSDC0%4.11%4.34%
Yo-protocolEthereum2.38MUSDC0%4.11%4.34%
ExactlyOP Mainnet1.66MUSDC0%4.25%4.33%
Fluid-lendingEthereum139.96MUSDT0%5.27%4.27%
ExactlyOP Mainnet1.66MUSDC0%4.21%4.26%
ExactlyOP Mainnet1.66MUSDC0%4.18%4.24%
Jupiter-lendSolana415.79MUSDC0.73%4.77%4.2%
ExactlyOP Mainnet1.66MUSDC0%4.09%4.19%
Native-credit-poolBSC5.14MUSDT0%4.04%4.18%
SparklendEthereum17.44MUSDT0%3.6%4.18%
ExactlyOP Mainnet1.66MUSDC0%4.12%4.17%
ExactlyOP Mainnet1.66MUSDC0%3.94%4.1%
ExactlyOP Mainnet1.66MUSDC0%4.01%4.06%
ExactlyOP Mainnet1.66MUSDC0%3.71%4.04%
TermmaxEthereum4.40MUSDC0%3.57%3.99%
Native-credit-poolEthereum1.95MUSDT0%3.33%3.84%
Aave-v3Avalanche5.47MUSDC0%3.48%3.82%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum450.9M5.56%
Avalanche2266M4.2%
Base12108.8M6.13%
BSC765.9M5.67%
Ethereum421.7B7.7%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.3M10.99%
Solana5427.5M5.54%
TON13.6M5.74%
zkSync Era000%