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 % on ). 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
30/09/2026 22:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Neutral-tradeSolana2.25MUSDC0%34.56%61.51%
Gains-networkArbitrum4.52MUSDC0%35.09%58.65%
EnsuroEthereum1.31MUSDC0%20.99%29.12%
Harvest-financeBase1.84MUSDC0%46.44%24.1%
AccountableEthereum2.41MUSDC15.43%37.42%23.86%
VerantaBase9.57MUSDC0%17.29%18.46%
AccountableMonad7.50MUSDC1.28%16.39%15.87%
Ember-protocolEthereum5.55MUSDC0%10.68%14.68%
AccountableEthereum1.05MUSDC0.75%14.87%14.25%
Neutral-tradeSolana4.22MUSDC0%11.33%14.19%
Ember-protocolEthereum1.64MUSDC0%24.12%12.93%
Ember-protocolEthereum2.68MUSDC0%12.97%12.9%
Benqi-lendingAvalanche1.10MUSDC0%5.75%12.53%
AccountableEthereum11.06MUSDC0%12.45%12.13%
AccountableMonad5.44MUSDC0.5%12.09%11.64%
Midas-rwaEthereum1.70MUSDC0%8.25%11.42%
AccountableMonad74.98MUSDC0.38%11.68%11.4%
AccountableEthereum3.38MUSDC0%12.16%11.02%
Ember-protocolSui8.45MUSDC0%5.57%10.92%
Pareto-creditEthereum11.01MUSDC0%10.59%10.59%
Nawa-protocolZIGChain3.44MUSDC0%8.61%10.42%
Ember-protocolSui9.19MUSDC0%10.14%10.01%
AguaEthereum7.47MUSDC0%10%10%
Neutral-tradeSolana2.46MUSDC0%14.49%9.64%
Ember-protocolEthereum3.70MUSDC0%9.6%9.54%
Pareto-creditEthereum1.98MUSDC0%9.38%9.38%
Aave-v3Avalanche2.68MUSDC0%4.79%9.09%
Midas-rwaEthereum31.35MUSDC0%6.46%8.76%
Rhea-lendNear1.90MUSDT0%8.78%8.4%
Rhea-lendNear1.83MUSDC0%7.8%8.34%
Neutral-tradeSolana1.38MUSDC0%9.58%8.14%
Bitway-earnBSC22.75MUSDT0%8%8%
Ember-protocolSui8.81MUSDC4%12%8%
Ember-protocolEthereum17.74MUSDC0%11.77%7.93%
Midas-rwaEthereum3.24MUSDC0%6.93%7.84%
Midas-rwaEthereum2.53MUSDC0%6.94%7.84%
Pareto-creditEthereum159.98MUSDC0%7.82%7.82%
Midas-rwaEthereum65.64MUSDC0%7.53%7.69%
Sentora-curatorEthereum94.45MUSDC0%7.36%7.69%
Bitway-earnBSC6.55MUSDT0%7.5%7.5%
Yearn-financeEthereum11.94MUSDC0%6.59%7.3%
Centrifuge-protocolMonad10.07MUSDC0%2.05%7.25%
AccountableMonad2.32MUSDC0.5%7.32%7.03%
Zerobase-cedefiEthereum14.07MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.62MUSDT2%9%7%
Euler-v2Monad5.79MUSDC1.25%7.91%6.89%
Zerobase-cedefiBSC17.97MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.17MUSDC2%8.76%6.76%
Yearn-financeEthereum7.59MUSDC0%6.85%6.75%
Blend-pools-v2Stellar11.63MUSDC0%7.62%6.71%
Harvest-financeBase1.06MUSDC0%7.35%6.65%
Pareto-creditEthereum22.06MUSDC0%6.73%6.62%
Aave-v4Ethereum1.57MUSDT0%4.05%6.58%
Midas-rwaEthereum26.25MUSDC0%7.66%6.48%
LoopscaleSolana2.99MUSDC0.34%7.03%6.39%
Extra-finance-leverage-farmingBase3.63MUSDC0%6.28%6.38%
Compound-v3Ethereum34.49MUSDC0%4.61%6.24%
Midas-rwaBase51.54MUSDC0%2.23%6.2%
Midas-rwaRobinhood Chain36.04MUSDC0%2.28%6.2%
Harmonix-financeHyperliquid L120.80MUSDC0%6.82%6.19%
Midas-rwaEthereum34.06MUSDC0%6.73%6.1%
Harvest-financeEthereum1.16MUSDC0%8%6.08%
Kamino-lendSolana2.63MUSDC0%4.88%5.89%
Kamino-lendSolana8.79MUSDC0%6.73%5.86%
Aave-v3Avalanche2.07MUSDT0%4.17%5.38%
AccountableMonad7.21MUSDC0.5%5.92%5.23%
MapleEthereum629.96MUSDT0%4.77%5.22%
AutofinanceEthereum7.63MUSDC1.08%6.16%5.15%
Alchemix-v3Ethereum7.80MUSDC0%5.49%5.13%
AutofinanceBase3.68MUSDC5.15%10.34%4.96%
Fluid-lendingEthereum132.09MUSDC0%4.57%4.96%
Native-credit-poolEthereum1.09MUSDC0%4.93%4.93%
Midas-rwaEtherlink4.94MUSDC0%5.73%4.89%
Storm-tradeTON2.74MUSDT0%5.15%4.82%
Navi-lendingSui9.97MUSDC0.6%5.16%4.75%
Venus-fluxBSC1.48MUSDT0%2.76%4.75%
Midas-rwaEthereum7.39MUSDC0%7%4.73%
Yearn-financeBase1.53MUSDC0%4.95%4.68%
Fusion-by-iporBase2.55MUSDC0%6.45%4.62%
Flux-financeEthereum1.95MUSDT0%4.45%4.44%
TydroInk14.05MUSDC0%4.03%4.43%
Midas-rwaEthereum6.44MUSDC0%3.85%4.4%
Midas-rwaEtherlink1.13MUSDC0%3.82%4.4%
Fluid-lendingArbitrum64.20MUSDC0%4.06%4.39%
Fusion-by-iporEthereum1.28MUSDC0%6.33%4.38%
ExactlyOP Mainnet1.60MUSDC0%4.39%4.38%
Centrifuge-protocolEthereum2.28MUSDT0%3.65%4.37%
Ember-protocolEthereum2.04MUSDC0%4.39%4.36%
CurvanceMonad3.13MUSDC1.8%5.84%4.35%
ExactlyOP Mainnet1.60MUSDC0%4.33%4.34%
Yo-protocolBase8.10MUSDC0%4.23%4.32%
Yo-protocolEthereum1.35MUSDC0%4.24%4.32%
ExactlyOP Mainnet1.60MUSDC0%4.33%4.32%
ExactlyOP Mainnet1.60MUSDC0%4.27%4.3%
Lista-lendingBSC1.73MUSDT0%6.5%4.27%
Kamino-lendSolana1.21MUSDT0%3.42%4.23%
ExactlyOP Mainnet1.60MUSDC0%4.18%4.23%
ExactlyOP Mainnet1.60MUSDC0%4.12%4.19%
ExactlyOP Mainnet1.60MUSDC0%4.19%4.16%
Fusion-by-iporBase1.06MUSDC2.07%6.79%4.15%
Flux-financeEthereum1.57MUSDC0%3.97%4.15%
Yearn-financeEthereum2.39MUSDC0%3.98%4.13%
Kamino-lendSolana1.63MUSDC0%4.31%4.11%
Kamino-lendSolana15.25MUSDC0%4.67%4.11%
ExactlyOP Mainnet1.60MUSDC0%3.93%4.08%
Aave-v3Ethereum142.38MUSDC0%4.08%3.92%
Aave-v3Ethereum57.64MUSDC1.69%5.65%3.92%
Aave-v3Base18.04MUSDC0%3.77%3.86%
ExactlyOP Mainnet1.60MUSDC0%1.97%3.82%
Fluid-lendingEthereum136.81MUSDT0%4.57%3.8%
Centrifuge-protocolMonad4.56MUSDC0%2.87%3.79%
Hyperlend-pooledHyperliquid L18.22MUSDC0%4.89%3.73%
SymbiosisEthereum1.20MUSDC0%4.75%3.7%
Aave-v3Ethereum192.23MUSDT0%3.6%3.66%
Aave-v3Ethereum64.13MUSDT1.59%5.08%3.66%
Yearn-financeEthereum19.58MUSDC0%3.71%3.66%
Spark-savingsEthereum300.52MUSDC0%3.59%3.6%
Spark-savingsAvalanche8.68MUSDC0%3.59%3.6%
Centrifuge-protocolBase7.14MUSDC0%3.75%3.59%
Centrifuge-protocolPharos4.55MUSDC0%3.14%3.59%
Centrifuge-protocolBSC1.01MUSDC0%3.14%3.59%
Centrifuge-protocolBSC1.01MUSDC0%3.14%3.59%
DolomiteArbitrum1.69MUSDC0%4.22%3.56%
Midas-rwaEthereum72.70MUSDC0%3.44%3.52%
Midas-rwaEtherlink1.22MUSDC0%3.44%3.52%
Venus-core-poolBSC9.50MUSDC0%3.33%3.52%
Spark-savingsEthereum446.81MUSDT0%3.42%3.5%
SparklendEthereum15.94MUSDT0%3.35%3.39%
Aave-v3Ethereum11.41MDAI0%3.1%3.39%
SparklendEthereum4.07MUSDC0%3.43%3.39%
Aave-v3BSC1.57MUSDC0%3.28%3.38%
Yearn-financeEthereum5.74MUSDT0%3.31%3.35%
Native-credit-poolEthereum1.89MUSDT0%3.31%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Venus-core-poolBSC46.83MUSDT0%2.91%3.29%
DolomiteEthereum30MUSDC3.91%7.31%3.29%
Yearn-financeEthereum1.12MUSDC0%3.42%3.28%
Compound-v3Ethereum19.57MUSDT0%3.03%3.17%
Aave-v3Monad35.69MUSDC3%6.04%3.06%
Compound-v3Arbitrum2.29MUSDC0%2.91%3.04%
Aave-v3Xlayer1.56MUSDC0%2.92%3%
Aave-v3BSC11.46MUSDT0%2.8%2.99%
Aave-v3Arbitrum25.23MUSDC0%2.92%2.98%
SaveSolana5.40MUSDC0%3.09%2.94%
Lista-lendingBSC2.70MUSDT0%3.31%2.86%
Aave-v3Polygon11.59MUSDC0%3.03%2.84%
Gami-labsBase3.03MUSDC0%2.88%2.82%
Spectra-metavaultsBase3.03MUSDC0%2.94%2.82%
Yearn-financeEthereum7.32MDAI0%3.1%2.81%
Aave-v3OP Mainnet1.83MUSDC0%2.69%2.79%
SparklendEthereum85.81MDAI0%2.53%2.71%
Fluid-lendingBase15.56MUSDC5.76%5.59%2.62%
Lista-lendingBSC1.38MUSDT0%3.12%2.5%
Compound-v3Arbitrum4.83MUSDT0%2.57%2.43%
Kamino-lendSolana2.14MUSDC0%1.7%2.23%
SaveSolana2.29MUSDT0%1.82%1.87%
CurrentSui21.93MUSDC6.16%8.81%1.81%
Justlend-v1Tron99.59MUSDT0%2.22%1.81%
Lista-lendingEthereum4.36MUSDC6.43%7.06%1.39%
Echelon-marketAptos1.88MUSDC4.16%4.33%1.16%
ExactlyOP Mainnet1.60MUSDC0%0.97%1.14%
Lista-lendingEthereum4.07MUSDT4.55%6.17%0.96%
AcrossEthereum1.12MUSDT3.14%2.44%0.85%
Aave-v4Avalanche6.38MUSDC4.43%5.2%0.69%
TectonicCronos1.34MUSDC0.03%0.52%0.47%
Aave-v4Avalanche7.02MUSDT6.61%6.64%0.1%
CredixSolana13.41MUSDC0%0.07%0.07%
AcrossEthereum1.10MUSDC4.63%4.52%0.06%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum7110.4M11.72%
Avalanche627.9M5.23%
Base16141.9M6.7%
BSC14128.1M4.56%
Ethereum673B6.47%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon111.6M2.84%
Solana1466M9.37%
TON12.7M4.82%
zkSync Era000%