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 Feb 05 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
08/02/2026 21:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bracket-vaultsEthereum3.30MUSDC0%15.2%14.48%
Gains-networkArbitrum13.06MUSDC0%10.31%13.95%
DolomiteEthereum4.97MUSDC0%3.95%13.71%
Storm-tradeTon5.66MUSDT0%9.04%13.25%
FranciumSolana2.44MUSDC0%13.15%13.15%
Blend-pools-v2Stellar1.41MUSDC0.73%14.12%12.01%
AvantisBase88.51MUSDC0%11.36%11.6%
Blend-pools-v2Stellar7.27MUSDC0%11.97%10.31%
WasabiSolana1.99MUSDC0%9.09%10.08%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
Yearn-financeEthereum1.40MUSDC0%4.77%8.79%
Gains-networkBase2.38MUSDC0%10.85%8.66%
LiqwidCardano2.27MUSDC1.58%12.55%8.35%
SymbiosisEthereum1.23MUSDC0%5.6%8.29%
AutofinanceEthereum14.75MUSDC0.44%8.82%7.67%
Ipor-fusionEthereum3.89MUSDT0%7.75%7.4%
WasabiBase8.14MUSDC0%7.27%7.21%
Woofi-earnArbitrum1.21MUSDC0%7.1%6.99%
Hyperlend-pooledHyperliquid9.75MUSDC0%5.9%6.36%
DeltaprimeAvalanche1.34MUSDC0%6.72%6.28%
Ipor-fusionBase1.84MUSDC0%7.51%6.02%
Silo-v2Avalanche1.29MUSDC0%8.89%5.99%
AcrossEthereum1.62MDAI0.32%6.99%5.98%
Yo-protocolBase28.28MUSDC14%11.44%5.91%
Harmonix-financeArbitrum1.26MUSDC0%5.19%5.84%
SymbiosisTron1.43MUSDT0%4.45%5.75%
VesperEthereum2.40MUSDC0%4.42%5.67%
LoopscaleSolana4.94MUSDC0.65%8.35%5.41%
AutofinanceBase18.88MUSDC1.76%7.61%5.4%
LoopscaleSolana9.64MUSDC0%6.02%5.27%
Euler-v2Ethereum39.98MUSDC0%4.73%5.23%
Scallop-lendSui1.82MUSDC0%5.68%5.2%
Harvest-financeBase3.06MUSDC0%6.27%4.97%
Euler-v2Ethereum24.86MUSDC0%4.73%4.81%
Echelon-marketAptos10.05MUSDC0%4.78%4.81%
AutofinanceEthereum8.70MUSDC0%2.69%4.77%
Flux-financeEthereum1.61MUSDT0%4.6%4.63%
Yearn-financeEthereum7.36MUSDT0%4.76%4.55%
ExactlyOptimism1.76MUSDC0%4.4%4.38%
ExactlyOptimism1.76MUSDC0%4.21%4.23%
ExactlyOptimism1.76MUSDC0%4.2%4.23%
MapleEthereum1.58BUSDT0%4.74%4.2%
AutofinanceArbitrum1.32MUSDC2.19%6.69%4.2%
Flux-financeEthereum1.44MUSDC0%4.15%4.19%
Yearn-financeEthereum7.60MUSDT0%4.46%4.18%
Extra-finance-leverage-farmingBase4.85MUSDC0.13%6.16%4.13%
ExactlyOptimism1.76MUSDC0%4.02%4.09%
ExactlyOptimism1.76MUSDC0%3.95%4.02%
Spark-savingsEthereum221.62MUSDT0%4%4%
Spark-savingsAvalanche113.42MUSDC0%4%4%
Spark-savingsEthereum156.14MUSDC0%4%4%
Navi-lendingSui10.72MUSDC0.79%5.45%3.98%
Folks-finance-xchainPolygon2.23MUSDT0%5.9%3.94%
ExactlyOptimism1.76MUSDC0%3.79%3.9%
ExactlyOptimism1.76MUSDC0%3.58%3.9%
ExactlyOptimism1.76MUSDC0%3.86%3.89%
Yearn-financeEthereum33.24MUSDC0%4.67%3.86%
Harvest-financeEthereum1.07MUSDC0%4.87%3.86%
NeverlandMonad2.80MUSDC9.05%14.45%3.8%
Aave-v3Base55.36MUSDC0%3.8%3.73%
Folks-finance-lendingAlgorand2.09MUSDC0%4.31%3.71%
AutofinanceEthereum5MUSDC0%6.69%3.62%
Ipor-fusionBase1.07MUSDC0%4.78%3.61%
Ipor-fusionBase1.07MUSDC0%4.78%3.61%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum416.9M7.75%
Avalanche3116M5.42%
Base11213.5M5.9%
BSC000%
Ethereum222.2B6.27%
Hyperliquid19.7M6.36%
Mantle000%
Optimism814.1M4.08%
Polygon12.2M3.94%
Solana419M8.48%
TON15.7M13.25%
zkSync Era000%