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 3.63% on Jun 04 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
08/06/2026 17:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Gains-networkArbitrum5.62MUSDC0%7.89%19.34%
AccountableMonad9.41MUSDC1%12.23%16.74%
ForgeyieldsStarknet1.04MUSDC0%16.87%15.06%
SymbiosisEthereum1.14MUSDC0%9.07%14.64%
AccountableEthereum1.03MUSDC0%14.25%14.25%
Canto-lendingCanto1.35MUSDC0%13.4%13.61%
Ember-protocolEthereum37.63MUSDC0%14.98%12.46%
AutofinanceEthereum1.52MUSDC0%10.37%11.77%
Harmonix-financeHyperliquid L117.86MUSDC0%10.23%10.18%
Bracket-vaultsEthereum2.75MUSDC0%10.5%10.18%
GoldfinchEthereum36.71MUSDC0%10.07%10.12%
Bitway-earnBSC24.33MUSDT0%10.37%10%
AccountableMonad5.16MUSDC0%10%10%
SymbiosisTron1.21MUSDT0%7.68%9.62%
YieldseekerBase1.95MUSDC0%9.15%9.32%
AccountableMonad45.12MUSDC1%9.69%8.8%
AvantisBase36.71MUSDC0%10.56%8.13%
Ember-protocolSui1.07MUSDC0%9.59%8.01%
Ember-protocolSui6.10MUSDC4%12%8%
Blend-pools-v2Stellar11.69MUSDC0%8.42%7.92%
Ember-protocolEthereum4.63MUSDC0%7.06%7.87%
Ember-protocolSui2.87MUSDC0%7.44%7.66%
Harvest-financeEthereum1.08MUSDC0%5.77%7.59%
LoopscaleSolana1.05MUSDC0.81%8.02%7.29%
AccountableMonad3.92MUSDC1%8.66%7.28%
Ember-protocolSui1.53MUSDC0%9.22%7.22%
Zerobase-cedefiEthereum14.30MUSDT2%9%7%
Zerobase-cedefiArbitrum7.62MUSDT2%9%7%
Lista-lendingBSC2.41MUSDT3.51%8.83%6.94%
Zerobase-cedefiBSC23.85MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.10MUSDC2%8.76%6.76%
Kamino-lendSolana3.06MUSDC0%5.3%6.72%
Gains-networkBase2.19MUSDC0%3.51%6.35%
Extra-finance-leverage-farmingBase3.65MUSDC0%6.34%6.29%
LazyEthereum1.02MUSDC0%7.92%6.2%
LazyEthereum1.02MUSDC0%7.92%6.2%
Storm-tradeTON3.58MUSDT0%5.89%5.85%
AutofinanceEthereum7.34MUSDC0.46%4.99%5.77%
Harvest-financeBase1.86MUSDC0%9.45%5.68%
Hyperlend-pooledHyperliquid L112.08MUSDC0%5.14%5.41%
Fusion-by-iporEthereum1.47MUSDC0%6.06%5.37%
AutofinanceBase6.82MUSDC2.43%8.23%5.22%
CurvanceMonad1.04MUSDC2.7%7.79%5.2%
Ember-protocolSui1.13MUSDC0%7.72%5.18%
Fusion-by-iporEthereum1.45MUSDC0%5.98%5.16%
Yearn-financeEthereum11.55MUSDC0%4.96%5.06%
Ember-protocolEthereum2.71MUSDC0%7.16%5.02%
Ember-protocolSui7.33MUSDC0%6.93%5.02%
Navi-lendingSui2.88MUSDC0.53%5.01%4.91%
Fluid-lendingArbitrum37.72MUSDC0%5.61%4.82%
Centrifuge-protocolMonad4.51MUSDC0%3.72%4.76%
Fluid-lendingBase9.27MUSDC0%5.42%4.69%
Folks-finance-lendingAlgorand1.19MUSDC0%4.49%4.65%
AmpleBase4.32MUSDC0%4.77%4.64%
Lista-lendingBSC4.50MUSDT0.62%2.4%4.61%
Aave-v3Avalanche2.41MUSDT0%5%4.56%
Yearn-financeEthereum5.14MUSDC0%5.26%4.54%
Flux-financeEthereum1.77MUSDT0%4.58%4.53%
Folks-finance-xchainPolygon1.09MUSDT0%4.5%4.32%
Yearn-financeBase1.72MUSDC0%70.61%4.23%
ExactlyOP Mainnet1.52MUSDC0%4.16%4.18%
ExactlyOP Mainnet1.52MUSDC0%4.14%4.16%
MapleEthereum851.99MUSDT0%4.24%4.14%
Euler-v2Monad1.38MUSDC0%5.39%4.12%
Ember-protocolSui1.13MUSDC0%8.25%4.09%
ExactlyOP Mainnet1.52MUSDC0%4.05%4.09%
ExactlyOP Mainnet1.52MUSDC0%3.96%4.07%
ExactlyOP Mainnet1.52MUSDC0%3.98%4.06%
ExactlyOP Mainnet1.52MUSDC0%3.98%4.03%
Moonwell-lendingBase1.81MUSDC1.08%6.63%4%
ExactlyOP Mainnet1.52MUSDC0%3.96%3.99%
Fluid-lendingEthereum107.02MUSDT1.28%4.23%3.99%
ExactlyOP Mainnet1.52MUSDC0%3.95%3.94%
Benqi-lendingAvalanche5.18MUSDC0%6.44%3.9%
Lista-lendingBSC6.73MUSDT6.73%1.98%3.88%
ExactlyOP Mainnet1.52MUSDC0%2.14%3.82%
Yearn-financeEthereum2.67MUSDC0%3.6%3.76%
Flux-financeEthereum2.60MUSDC0%3.69%3.72%
ExactlyOP Mainnet1.52MUSDC0%1.62%3.69%
TermmaxBase1.25MUSDC0%4.13%3.68%
DolomiteArbitrum1.68MUSDC0%4.23%3.67%
Yearn-financeEthereum1.18MUSDC0%3.29%3.65%
Yo-protocolEthereum2.75MUSDC0%4.15%3.64%
Yo-protocolBase12.40MUSDC0%4.15%3.64%
SparklendEthereum3.34MUSDC0%4.09%3.63%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum452.6M8.71%
Avalanche27.6M4.23%
Base1284M5.49%
BSC663.9M6.49%
Ethereum251.1B6.81%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.1M4.32%
Solana24.1M7.01%
TON13.6M5.85%
zkSync Era000%