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 3.60% on Feb 03 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
05/02/2026 21:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Gains-networkArbitrum13.31MUSDC0%9.28%16.48%
WasabiSolana1.43MUSDC0%8.66%16.15%
Blend-pools-v2Stellar1.20MUSDC0.89%14.14%15.62%
Bracket-vaultsEthereum3.62MUSDC0%15.32%14.7%
FranciumSolana2.44MUSDC0%13.15%13.15%
AvantisBase90.64MUSDC0%11.23%10.92%
Storm-tradeTon5.67MUSDT0%8.13%10.88%
Blend-pools-v2Stellar6.65MUSDC0%12.32%10.66%
Gains-networkBase2.34MUSDC0%11.11%10.3%
GoldfinchEthereum37.74MUSDC0%10.01%10.01%
LiqwidCardano2.22MUSDC1.58%12.7%9.27%
AcrossEthereum1.43MDAI0.35%6.14%8.88%
Hyperlend-pooledHyperliquid5.67MUSDC0%5.77%7.58%
AutofinanceEthereum19.13MUSDC0.44%8.8%7.45%
Woofi-earnArbitrum1.17MUSDC0%7.1%7.2%
AutofinanceEthereum5MUSDC0%6.89%6.89%
Ipor-fusionBase1.85MUSDC0%7.58%6.48%
Yo-protocolBase28.48MUSDC14%10.1%6.15%
LoopscaleSolana5.56MUSDC0.59%8.71%6.12%
Echelon-marketAptos7.62MUSDC0%4.77%5.76%
Euler-v2Ethereum33.28MUSDC0%4.63%5.66%
AutofinanceBase19.94MUSDC1.72%7.73%5.44%
LoopscaleSolana11.19MUSDC0%6.12%5.33%
Scallop-lendSui1.83MUSDC0%5.71%5.26%
Harmonix-financeArbitrum1.27MUSDC0%5.11%5.26%
Harvest-financeBase3.26MUSDC0%6.4%5.1%
Euler-v2Ethereum23.88MUSDC0%4.72%4.85%
SymbiosisTron1.94MUSDT0%4.19%4.83%
Ipor-fusionEthereum5.89MUSDT0%7.78%4.79%
Takara-lendSei1.15MUSDC3.41%8.31%4.78%
WasabiBase9.23MUSDC0%7.29%4.65%
Flux-financeEthereum1.61MUSDT0%4.6%4.63%
VesperEthereum2.42MUSDC0%4.34%4.57%
Yearn-financeEthereum7.37MUSDT0%4.73%4.57%
MapleEthereum1.67BUSDT0%4.77%4.49%
Folks-finance-lendingAlgorand1.61MUSDC0%4.36%4.43%
Lazy-summer-protocolBase4.27MUSDC0.29%4.16%4.41%
ExactlyOptimism1.81MUSDC0%4.4%4.38%
DeltaprimeAvalanche1.64MUSDC0%6.9%4.33%
AutofinanceArbitrum1.31MUSDC2.17%6.91%4.31%
Harvest-financeEthereum1.07MUSDC0%4.95%4.27%
Harvest-financeEthereum1.07MUSDC0%4.95%4.27%
ExactlyOptimism1.81MUSDC0%4.2%4.22%
ExactlyOptimism1.81MUSDC0%4.19%4.22%
Flux-financeEthereum1.44MUSDC0%4.14%4.19%
Yearn-financeEthereum7.60MUSDT0%4.43%4.15%
Ipor-fusionBase1.49MUSDC0%4.93%4.12%
ExactlyOptimism1.81MUSDC0%4.01%4.07%
Benqi-lendingAvalanche7MUSDC0%4.81%4.02%
Harvest-financeBase1.49MUSDC0%5.3%4.02%
Spark-savingsEthereum179.92MUSDT0%4%4%
Spark-savingsAvalanche99.46MUSDC0%4%4%
Spark-savingsEthereum155.85MUSDC0%4%4%
Yearn-financeEthereum10.83MDAI0%2.62%3.99%
ExactlyOptimism1.81MUSDC0%3.94%3.99%
Folks-finance-xchainPolygon2.20MUSDT0%6.09%3.97%
Kamino-lendSolana17.96MUSDC0%3%3.92%
DolomiteEthereum16MUSDC0%3.74%3.91%
ExactlyOptimism1.81MUSDC0%3.85%3.89%
ExactlyOptimism1.81MUSDC0%3.77%3.87%
DolomiteArbitrum3.32MUSDC0%4.78%3.83%
ExactlyOptimism1.81MUSDC0%3.55%3.8%
Aave-v3Base52.67MUSDC0%3.77%3.78%
Aave-v3Ethereum10.19MUSDC0%4.11%3.67%
Yearn-financeEthereum33.28MUSDC0%4.77%3.65%
Extra-finance-leverage-farmingBase5.76MUSDC0.11%6.42%3.63%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum520.4M7.42%
Avalanche3108.1M4.12%
Base12221.4M5.75%
BSC000%
Ethereum222.2B5.53%
Hyperliquid15.7M7.58%
Mantle000%
Optimism814.5M4.05%
Polygon12.2M3.97%
Solana538.6M8.93%
TON15.7M10.88%
zkSync Era000%