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 20 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
22/04/2026 11:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Benqi-lendingAvalanche1.06MUSDC0%5.32%17.82%
Canto-lendingCanto1.35MUSDC0%12.81%12.82%
AvantisBase52.08MUSDC0%9.84%11.55%
AbyssSui1.93MUSDC0%8.9%11.55%
Bracket-vaultsEthereum2.70MUSDC0%11.91%11.35%
BitwayBSC13.46MUSDT0%11.46%11%
AutofinanceArbitrum1.96MUSDC1.9%8.9%10.91%
GoldfinchEthereum37.25MUSDC0%10.04%10.06%
Aave-v3Ethereum7.02MDAI0%3.56%9.96%
Aave-v3Arbitrum5.78MUSDC0%2.11%8.95%
Blend-pools-v2Stellar10.01MUSDC0%9.27%8.91%
Gains-networkArbitrum8.44MUSDC0%6.56%7.99%
SymbiosisEthereum1.48MUSDC0%6.61%7.89%
SymbiosisTron1.14MUSDT0%6.94%7.38%
Zerobase-cedefiEthereum14.44MUSDT2%9%7%
Zerobase-cedefiArbitrum7.94MUSDT2%9%7%
Storm-tradeTON3.97MUSDT0%5.83%7%
Harvest-financeBase2.02MUSDC0%6.4%6.93%
Zerobase-cedefiBSC23.28MUSDT2%9%6.76%
Zerobase-cedefiBSC1.35MUSDC2%8.82%6.76%
Spectra-metavaultsBase7.29MUSDC0%94.36%6.73%
AutofinanceEthereum9.06MUSDC0.58%5.92%6.53%
Fluid-lendingArbitrum29.19MUSDC1.19%6.34%6.25%
Extra-finance-leverage-farmingBase3.73MUSDC0%5.15%6.18%
Fluid-lendingEthereum115MUSDT1.88%5.65%6.04%
Kamino-lendSolana7.78MUSDC0%2.84%5.95%
Yearn-financeEthereum2.43MUSDC0%5.08%5.92%
TermmaxEthereum2.43MUSDC0%2.52%5.83%
TermmaxEthereum2.01MUSDC0%2.6%5.69%
Fluid-lendingBase10.48MUSDC2.26%6.65%5.56%
DeltaprimeAvalanche1.12MUSDC0%5.24%5.5%
LoopscaleSolana1.35MUSDC0%5.21%5.45%
AutofinanceBase5.77MUSDC3.75%7.15%5.4%
Fluid-lendingEthereum162.39MUSDC1.33%4.52%5.35%
Fluid-lendingEthereum4.87MUSDC0%3.5%5.35%
Harvest-financeEthereum1.08MUSDC0%1.72%5.16%
Euler-v2Ethereum18.78MUSDC0%3.76%4.93%
MapleEthereum1.26BUSDT0%3.81%4.8%
Woofi-earnArbitrum1.14MUSDC0%4.73%4.73%
AutofinanceEthereum7.33MUSDC0%4.97%4.73%
Flux-financeEthereum1.57MUSDT0%4.61%4.67%
Aave-v3BSC4.34MUSDT0%1.89%4.64%
Compound-v3Ethereum17.54MUSDT0.14%2.68%4.56%
Aave-v3Base16.22MUSDC0%2.85%4.44%
Folks-finance-xchainPolygon1.03MUSDT0%3.73%4.36%
Folks-finance-xchainPolygon1.03MUSDT0%3.73%4.36%
DolomiteEthereum11.72MUSDC0%5.42%4.36%
Hyperlend-pooledHyperliquid L115.55MUSDC0%4.17%4.33%
Folks-finance-lendingAlgorand1.46MUSDC0%3.58%4.28%
Lista-lendingBSC2.31MUSDT62.83%24228.07%4.26%
SparklendEthereum2.93MUSDC0%4.1%4.14%
ExactlyOP Mainnet1.64MUSDC0%3.08%3.99%
ExactlyOP Mainnet1.64MUSDC0%3.67%3.98%
Navi-lendingSui3.45MUSDC0.71%4.29%3.94%
NeverlandMonad16.60MUSDC4.41%8.38%3.84%
Yo-protocolEthereum3.87MUSDC12%14.07%3.83%
Yo-protocolBase20.09MUSDC12%14.08%3.83%
Aave-v3Ethereum2.30MUSDC0%2.56%3.83%
Yearn-financeEthereum7.41MUSDC0%4.03%3.82%
ExactlyOP Mainnet1.64MUSDC0%3.47%3.82%
Flux-financeEthereum2.43MUSDC0%3.76%3.77%
ExactlyOP Mainnet1.64MUSDC0%2.46%3.77%
Yearn-financeEthereum8.55MDAI0%3.31%3.76%
Spark-savingsAvalanche46.99MUSDC0%3.75%3.75%
Spark-savingsEthereum490.80MUSDC0%3.75%3.75%
ExactlyOP Mainnet1.64MUSDC0%3.89%3.73%
Aave-v3Polygon1.24MDAI0%3.74%3.71%
Jupiter-lendSolana20.28MUSDT0%2.44%3.68%
ExactlyOP Mainnet1.64MUSDC0%3.65%3.67%
ExactlyOP Mainnet1.64MUSDC0%4.11%3.66%
Wasabi-perpsBase2.32MUSDC0%4.61%3.65%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum654.5M7.64%
Avalanche349.2M9.03%
Base9120M6.03%
BSC544.7M6.68%
Ethereum262.2B5.66%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon33.3M4.14%
Solana329.4M5.02%
TON14M7%
zkSync Era000%