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
18/09/2026 09:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Gains-networkArbitrum4.69MUSDC0%17.76%43.51%
AccountableMonad1.14MUSDC0%13.65%42.87%
Neutral-tradeSolana2.24MUSDC0%16.72%25.95%
AccountableEthereum2.05MUSDC18.58%33.73%24.53%
AvantisBase10MUSDC0%9.88%21.18%
Harvest-financeBase1.85MUSDC0%41.97%20.96%
EnsuroEthereum1.10MUSDC0%21.23%18.94%
AccountableMonad7.50MUSDC0.94%17.04%16.55%
Neutral-tradeSolana2.17MUSDC0%13.35%14.83%
AccountableEthereum1.05MUSDC0.75%15.08%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum1.64MUSDC0%25.9%12.93%
Ember-protocolEthereum6.16MUSDC0%12.85%12.9%
AccountableEthereum13.82MUSDC0%12.11%12.51%
Midas-rwaEthereum26.37MUSDC0%5.13%11.87%
AccountableMonad5.04MUSDC0.43%12.09%11.64%
AccountableMonad74.97MUSDC0.27%12.08%11.4%
AccountableEthereum3.21MUSDC0%10.88%11.31%
Neutral-tradeSolana3.38MUSDC0%4.47%10.79%
Pareto-creditEthereum11.01MUSDC0%10.59%10.59%
Ember-protocolEthereum10.29MUSDC0%9.6%10.2%
Ember-protocolSui8.05MUSDC0%10.06%10.02%
AguaEthereum7.10MUSDC0%10%10%
Neutral-tradeSolana1.19MUSDC0%9.95%9.93%
Ember-protocolEthereum3.35MUSDC0%9.47%9.43%
Pareto-creditEthereum2.18MUSDC0%9.38%9.38%
Kamino-lendSolana3.24MUSDC0%7.18%8.44%
Ember-protocolEthereum17.35MUSDC0%8.7%8.17%
Ember-protocolSui1.32MUSDC0%9.77%8.15%
Blend-pools-v2Stellar9.95MUSDC0%7.05%8.04%
Bitway-earnBSC25.21MUSDT0%8%8%
Ember-protocolSui8.65MUSDC4%12%8%
Harvest-financeBase1.09MUSDC0%6.98%7.88%
Pareto-creditEthereum152.07MUSDC0%7.91%7.82%
Fusion-by-iporEthereum1.09MUSDC0%7.57%7.66%
Midas-rwaEtherlink4.93MUSDC0%8.64%7.6%
Fusion-by-iporEthereum1.28MUSDC0%6.42%7.57%
Bitway-earnBSC6.60MUSDT0%7.5%7.5%
Midas-rwaEthereum65.29MUSDC0%7.77%7.49%
Midas-rwaEthereum6.73MUSDC0%7.43%7.27%
Midas-rwaEthereum67.34MUSDC0%7.13%7.13%
Zerobase-cedefiEthereum14.07MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.62MUSDT2%9%7%
Midas-rwaEthereum2.52MUSDC0%7.41%7%
Yearn-financeEthereum7.56MUSDC0%6.73%6.99%
Midas-rwaEthereum7.48MUSDC0%7.78%6.9%
AccountableMonad2.30MUSDC0.26%7.45%6.79%
Yearn-financeEthereum11.14MUSDC0%6.69%6.78%
Zerobase-cedefiBSC18.39MUSDT2%8.76%6.76%
Zerobase-cedefiBSC1.94MUSDC2%8.76%6.76%
Euler-v2Monad5.81MUSDC1.59%8.32%6.72%
Harmonix-financeHyperliquid L122.70MUSDC0%6.86%6.7%
Pareto-creditEthereum22MUSDC0%6.94%6.62%
Midas-rwaEthereum1.70MUSDC0%8.65%6.61%
Sentora-curatorEthereum74.25MUSDC0%6.55%6.57%
Extra-finance-leverage-farmingBase3.66MUSDC0%6.57%6.31%
Midas-rwaEthereum31.48MUSDC0%6.49%6.25%
Harvest-financeEthereum1.16MUSDC0%9.24%6.05%
Fusion-by-iporEthereum2.39MUSDC0%5.95%5.87%
Alchemix-v3Ethereum7.74MUSDC0%5.33%5.49%
LoopscaleSolana1.21MUSDC0.5%5.88%5.37%
AutofinanceBase3.56MUSDC4.7%8.89%5.26%
Compound-v3Ethereum35.03MUSDC0%4.87%5.21%
Aave-v4Ethereum1.27MUSDC0%4.47%5.21%
Storm-tradeTON2.81MUSDT0%5.36%5.16%
Lista-lendingBSC2.24MUSDT0%7.06%5.15%
AutofinanceEthereum7.70MUSDC0.95%6.1%5.15%
Hyperlend-pooledHyperliquid L120.06MUSDC0%5.54%5.06%
Kamino-lendSolana3MUSDC0%5.49%5.04%
Yearn-financeBase1.71MUSDC0%5.02%4.97%
Native-credit-poolEthereum1.13MUSDC0%4.91%4.93%
Aave-v3Avalanche5.11MUSDC0%4.1%4.92%
Benqi-lendingAvalanche2.40MUSDC0%4.94%4.91%
Centrifuge-protocolMonad4.55MUSDC0%3.23%4.89%
Aave-v4Ethereum1.34MUSDT0%3.59%4.83%
AccountableMonad7.42MUSDC0.5%6.3%4.77%
Fluid-lendingBase9.29MUSDC0%4.92%4.69%
DolomiteArbitrum1.20MUSDC0%4.46%4.64%
MapleEthereum675.09MUSDT0%4.59%4.63%
Fusion-by-iporBase1.22MUSDC0%7.5%4.59%
Navi-lendingSui9.71MUSDC0.43%5.46%4.46%
Fluid-lendingArbitrum61.88MUSDC0%4.2%4.45%
TydroInk13.69MUSDC0%3.65%4.44%
Flux-financeEthereum2.04MUSDT0%4.44%4.41%
Yearn-financeBase1.02MUSDC0%4.42%4.41%
Yearn-financeBase1.02MUSDC0%4.42%4.41%
Kamino-lendSolana3.55MUSDC0%5.52%4.4%
ExactlyOP Mainnet1.64MUSDC0%4.38%4.39%
ExactlyOP Mainnet1.64MUSDC0%4.3%4.33%
ExactlyOP Mainnet1.64MUSDC0%4.32%4.33%
ExactlyOP Mainnet1.64MUSDC0%4.24%4.28%
Fluid-lendingEthereum128.38MUSDT0%4.83%4.23%
Gami-labsBase3.03MUSDC0%2.12%4.21%
Spectra-metavaultsBase3.03MUSDC0%2.14%4.21%
Yo-protocolBase8.48MUSDC0%4.13%4.2%
Yo-protocolEthereum1.35MUSDC0%4.13%4.2%
ExactlyOP Mainnet1.64MUSDC0%4.12%4.2%
ExactlyOP Mainnet1.64MUSDC0%4.2%4.19%
Centrifuge-protocolAvalanche262.33MUSDC0%5.09%4.17%
Centrifuge-protocolBase62.58MUSDC0%5.1%4.17%
Centrifuge-protocolEthereum9.29MUSDC0%5.15%4.16%
Fluid-lendingEthereum152.72MUSDC0%4.76%4.16%
Fluid-lendingEthereum3.77MUSDC0%4.76%4.16%
Flux-financeEthereum1.57MUSDC0%3.8%4.15%
ExactlyOP Mainnet1.64MUSDC0%4.01%4.14%
Lista-lendingBSC2.43MUSDT0%2.73%4.12%
Ember-protocolEthereum2.04MUSDC0%4.12%4.09%
CurvanceMonad3.07MUSDC2%5.49%4.07%
Euler-v2Monad1.26MUSDC1.25%4.56%4.07%
Aave-v3Monad14.40MUSDC1.98%5.72%4.03%
Yearn-financeEthereum2.39MUSDC0%3.84%4.02%
ExactlyOP Mainnet1.64MUSDC0%3.93%4%
Venus-core-poolBSC6.97MUSDC0%2.58%3.98%
Jupiter-lendSolana470.19MUSDC0.38%4.84%3.9%
SymbiosisEthereum1.06MUSDC0%4.95%3.9%
Fusion-by-iporBase1.09MUSDC2.84%6.47%3.83%
Midas-rwaEthereum3.49MUSDC0%3.78%3.78%
AmpleBase4.38MUSDC0%4.07%3.73%
Aave-v3Base20.54MUSDC0%3.54%3.69%
Yearn-financeEthereum20.92MUSDC0%3.64%3.67%
SaveSolana4.41MUSDC0%2.84%3.62%
Kamino-lendSolana22.06MUSDC0%4.83%3.62%
Kamino-lendSolana1.95MUSDC0%4.77%3.61%
DolomiteEthereum23.75MUSDC5.13%7.46%3.6%
Spark-savingsEthereum310.08MUSDC0%3.56%3.6%
Spark-savingsAvalanche9.37MUSDC0%3.56%3.6%
Aave-v3Ethereum180.35MUSDC0%3.91%3.6%
Aave-v3Ethereum58.51MUSDC1.66%5.48%3.6%
ExactlyOP Mainnet1.64MUSDC0%0.54%3.56%
SparklendEthereum2.08MUSDC0%3.51%3.54%
Spark-savingsEthereum396.39MUSDT0%3.27%3.5%
Yearn-financeEthereum1.11MUSDC0%3.7%3.48%
Jupiter-lendSolana17.69MUSDT0%3.99%3.47%
SparklendEthereum15.49MUSDT0%3.2%3.39%
Native-credit-poolEthereum1.51MUSDT0%3.28%3.31%
Aave-v3BSC1.76MUSDC0%3%3.31%
Zerobase-cedefiOP Mainnet8.09MUSDT2%5.3%3.3%
Yearn-financeEthereum5.78MUSDT0%3.19%3.27%
Midas-rwaEthereum72.60MUSDC0%3.4%3.26%
Midas-rwaEtherlink1.22MUSDC0%3.41%3.26%
Kamino-lendSolana2.35MUSDT0%4.2%3.18%
Native-credit-poolBSC1.41MUSDT0%3.13%3.14%
Aave-v3Polygon10.71MUSDC0%2.87%3.14%
Aave-v3Ethereum1.20MUSDC0%2.77%3.13%
Yearn-financeEthereum7.42MDAI0%3.25%3.05%
Aave-v3Ethereum17.85MDAI0%2.92%3.04%
Aave-v3Ethereum499.59MUSDT0%3.38%3.02%
Aave-v3Ethereum69.58MUSDT1.47%4.82%3.02%
Centrifuge-protocolPharos4.40MUSDC0%3.28%3.01%
Aave-v3Avalanche5.11MUSDT0%4.04%2.97%
Compound-v3Arbitrum2.72MUSDC0%2.82%2.93%
Benqi-lendingAvalanche1.32MUSDT0%3.78%2.92%
Lista-lendingBSC1.97MUSDT0%2.09%2.9%
Aave-v3BSC11.52MUSDT0%2.55%2.87%
Compound-v3Ethereum37.21MUSDT0%3.09%2.84%
Venus-core-poolBSC58.52MUSDT0%2.6%2.81%
Aave-v3OP Mainnet1.86MUSDC0%2.47%2.78%
Aave-v3Arbitrum30.45MUSDC0%2.54%2.76%
Kamino-lendSolana1.57MUSDC0%0.89%2.65%
Echelon-marketAptos1.07MUSDC0%3.17%2.52%
Venus-fluxBSC1.85MUSDT0%2.66%2.51%
Compound-v3Arbitrum4.49MUSDT0%2.61%2.49%
SparklendEthereum100.01MDAI0%2.33%2.46%
Centrifuge-protocolEthereum1.97MUSDT0%2.48%2.4%
Justlend-v1Tron76.52MUSDT0%2.33%2.28%
CurrentSui14.64MUSDC6.42%9.12%2.05%
Aave-v4Ethereum1.41MUSDC0%1.86%2.05%
Aave-v4Avalanche1.41MUSDC3.11%4.93%2.01%
Aave-v3Arbitrum1.08MDAI0%1.94%1.97%
SaveSolana2.36MUSDT0%1.72%1.93%
Aave-v3Sonic1.15MUSDC0%1.85%1.85%
Midas-rwaEthereum6.43MUSDC0%5.85%1.64%
Midas-rwaEtherlink1.12MUSDC0%5.83%1.64%
Lista-lendingEthereum5.10MUSDC6.19%7.19%1.1%
ExactlyOP Mainnet1.64MUSDC0%0.92%1%
Zest-v2Stacks10.09MUSDC0%0.7%0.85%
TectonicCronos1.19MUSDC0.03%0.35%0.61%
Lista-lendingEthereum3.41MUSDT6.17%6.09%0.52%
AcrossEthereum1.58MUSDT1.32%1.46%0.42%
AcrossEthereum1.10MUSDC4.39%4.34%0.22%
Aave-v4Avalanche3.39MUSDT6.55%5.4%0.16%
CredixSolana13.41MUSDC0%0.05%0.07%
Euler-v2Ethereum1.70MUSDC0%4.74%0%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum8114.1M8.72%
Avalanche8290.4M3.21%
Base18148.1M6.65%
BSC13140.8M4.6%
Ethereum763.5B5.87%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon110.7M3.14%
Solana17556M6.52%
TON12.8M5.16%
zkSync Era000%