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 07 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
09/04/2026 19:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Yearn-financeEthereum4.73MUSDC0%4419.18%212.73%
Bracket-vaultsEthereum2.71MUSDC0%12.35%11.86%
BitwayBSC13.07MUSDT0%11.86%11%
GoldfinchEthereum37.26MUSDC0%10.02%10.06%
AvantisBase64.73MUSDC0%9.32%9.69%
Blend-pools-v2Stellar9.75MUSDC0%9.3%9.21%
WasabiSolana1.21MUSDC0%4.91%9.06%
Spectra-metavaultsBase5.08MUSDC2.98%101.13%8.85%
AbyssSui1.91MUSDC0%8.55%7.87%
Gains-networkArbitrum8.93MUSDC0%6.56%7.36%
Zerobase-cedefiEthereum14.44MUSDT2%9%7%
Zerobase-cedefiArbitrum7.94MUSDT2%9%7%
SymbiosisTron1.64MUSDT0%5.73%6.83%
AccountableMonad2.12MUSDC3.34%9.59%6.79%
Zerobase-cedefiBSC23.47MUSDT2%9.42%6.76%
Zerobase-cedefiBSC1.34MUSDC2%8.92%6.76%
Project-0Solana1.34MUSDC0%3.38%6.35%
Harvest-financeBase2.02MUSDC0%5.98%5.57%
AutofinanceEthereum9.24MUSDC0.6%5.3%5.29%
WasabiBase3.27MUSDC0%3.99%5.25%
Extra-finance-leverage-farmingBase3.98MUSDC0%5.09%5.15%
Yo-protocolBase27.88MUSDC12%14.17%5.14%
Yo-protocolEthereum11.04MUSDC12%13.82%5.14%
DeltaprimeAvalanche1.17MUSDC0%5.49%5.03%
LoopscaleSolana1.67MUSDC0%4.84%5.03%
Scallop-lendSui1.64MUSDC0%4.56%4.83%
Woofi-earnArbitrum1.14MUSDC0%4.78%4.74%
AutofinanceEthereum8.75MUSDC0%3.86%4.69%
Flux-financeEthereum1.59MUSDT0%4.56%4.66%
AutofinanceBase7.55MUSDC2.58%6.03%4.56%
DolomiteEthereum10.25MUSDC0%5.79%4.54%
Hyperlend-pooledHyperliquid L114.48MUSDC0%3.91%4.34%
DolomiteArbitrum1.79MUSDC0%3.2%4.22%
ExactlyOptimism1.61MUSDC0%4.24%4.21%
Benqi-lendingAvalanche5.45MUSDC0%3.9%4.11%
SparklendEthereum1.95MUSDC0%4.12%4.11%
Navi-lendingSui10.41MUSDC0.53%4.49%4.09%
ExactlyOptimism1.61MUSDC0%3.64%3.96%
Euler-v2Avalanche2.02MUSDC0%6.88%3.95%
Yearn-financeEthereum3.74MUSDC0%4.38%3.94%
Benqi-lendingAvalanche2.28MUSDT0%4.64%3.91%
LiqwidCardano1.11MUSDC0%3.63%3.85%
LiqwidCardano1.11MUSDC0%3.63%3.85%
NeverlandMonad15.47MUSDC4.31%8.56%3.84%
Folks-finance-xchainPolygon1.73MUSDT0%3.57%3.84%
ExactlyOptimism1.61MUSDC0%4.02%3.83%
Fluid-lendingArbitrum30.59MUSDC1.04%5.79%3.83%
Yearn-financeEthereum1.12MUSDC0%4.97%3.81%
Aave-v3Polygon1.21MDAI0%3.53%3.77%
Flux-financeEthereum2.45MUSDC0%3.91%3.76%
Spark-savingsAvalanche69.86MUSDC0%3.75%3.75%
Spark-savingsEthereum392.25MUSDC0%3.75%3.75%
ExactlyOptimism1.61MUSDC0%4.12%3.75%
Folks-finance-lendingAlgorand1.96MUSDC0%3.41%3.73%
Yearn-financeEthereum8.78MDAI0%2.7%3.67%
MapleEthereum1.97BUSDT0%3.87%3.65%
ExactlyOptimism1.61MUSDC0%4.1%3.64%
ExactlyOptimism1.61MUSDC0%3.19%3.62%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum550.4M5.43%
Avalanche580.8M4.15%
Base7114.5M6.32%
BSC337.9M8.17%
Ethereum162.5B18.29%
Hyperliquid000%
Mantle000%
Optimism69.7M3.84%
Polygon22.9M3.81%
Solana34.2M6.82%
TON000%
zkSync Era000%