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 3.69% on Jul 30 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
03/08/2026 20:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AzuroPolygon1.36MUSDT0%12.11%53.47%
AccountableMonad7.60MUSDC1.03%32.57%24.2%
AccountableEthereum3.77MUSDC10.79%20.05%18.13%
Ember-protocolSui1.21MUSDC0%10.27%16.62%
AccountableMonad100.02MUSDC0.29%16%16%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum7.22MUSDC0%12.84%12.9%
AvantisBase21.11MUSDC0%9.15%11.93%
AccountableEthereum2.23MUSDC0%10.9%11.54%
Harvest-financeBase1.87MUSDC0%12.52%11.23%
Ember-protocolEthereum5.91MUSDC0%6.17%11.17%
Nawa-protocolZIGChain3.81MUSDC0%8.3%10.93%
Pareto-creditEthereum15.29MUSDC0%10.59%10.58%
Ember-protocolSui1.31MUSDC0%8.42%10.57%
Ember-protocolSui1.07MUSDC0%9.93%10.25%
GoldfinchEthereum35.95MUSDC0%10.12%10.21%
Midas-rwaEthereum71.57MUSDC0%10.46%10.19%
YieldseekerBase1.98MUSDC0%8.72%10.05%
AccountableMonad1.03MUSDC0%10.37%10%
Ember-protocolEthereum3.27MUSDC0%9.33%9.75%
Pareto-creditEthereum2.14MUSDC0%9.38%9.38%
Ember-protocolSui5.79MUSDC0%9.03%9.31%
Bracket-vaultsEthereum2.59MUSDC0%9.38%9.3%
Midas-rwaEthereum8.01MUSDC0%9.35%8.79%
Midas-rwaEthereum6.39MUSDC0%5.67%8.74%
Midas-rwaEtherlink1.12MUSDC0%5.69%8.74%
Midas-rwaEthereum37.45MUSDC0%10.25%8.72%
Euler-v2Monad1.60MUSDC0%8.7%8.48%
Midas-rwaEthereum6.67MUSDC0%7.84%8.16%
Midas-rwaEthereum2.50MUSDC0%7.83%8.16%
Pareto-creditEthereum170.98MUSDC0%8.31%8.02%
Bitway-earnBSC23.96MUSDT0%8%8%
Ember-protocolSui8.25MUSDC4%12%8%
AccountableMonad10.07MUSDC0.5%9.62%7.67%
AccountableMonad1.59MUSDC0.5%7.55%7.52%
Harvest-financeEthereum1.15MUSDC0%6.37%7.27%
Midas-rwaEthereum1.73MUSDC0%9.86%7.18%
Pareto-creditEthereum21.86MUSDC0%7.13%7.13%
Blend-pools-v2Stellar12.75MUSDC0%7.5%7.03%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
Yearn-financeEthereum6.19MUSDC0%6.97%6.85%
Zerobase-cedefiBSC20.49MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.03MUSDC2%8.76%6.76%
Extra-finance-leverage-farmingBase3.44MUSDC0%6.65%6.75%
LoopscaleSolana2.45MUSDC0.24%7.21%6.64%
Harmonix-financeHyperliquid L118.53MUSDC0%7.97%6.48%
Yearn-financeEthereum1.19MUSDC0%5.57%6.46%
Ember-protocolEthereum17.05MUSDC0%6.81%6.45%
Fusion-by-iporEthereum2.10MUSDC0%5.87%6.12%
Ember-protocolSui5.68MUSDC0%6.22%6.09%
Kamino-lendSolana5.55MUSDC0%6.76%5.94%
Hyperlend-pooledHyperliquid L113.36MUSDC0%7.47%5.78%
SparklendEthereum14.26MUSDT0%3.76%5.76%
Storm-tradeTON3.47MUSDT0%5.76%5.66%
AutofinanceBase4.98MUSDC2.53%7.8%5.58%
Yearn-financeEthereum8.95MUSDC0%5.95%5.55%
Fluid-lendingBase9.16MUSDC0%5.34%5.54%
AutofinanceEthereum8.53MUSDC0.41%6.59%5.44%
Midas-rwaEtherlink4.78MUSDC0%7.95%5.39%
Ember-protocolSui1.19MUSDC5.81%11.9%5.28%
Fluid-lendingArbitrum37.74MUSDC0%5.34%5.06%
Navi-lendingSui7.01MUSDC0.41%5.59%4.96%
Yearn-financeBase1.73MUSDC0%4.97%4.91%
Lista-lendingBSC2MUSDT0.13%6.51%4.9%
Fluid-lendingEthereum151.98MUSDC0%5.33%4.75%
Fluid-lendingEthereum9.05MUSDC0%5.32%4.75%
Euler-v2Ethereum6.80MUSDC0%4.11%4.67%
Alchemix-v3Ethereum7.42MUSDC0%4.5%4.56%
Centrifuge-protocolEthereum5.75MUSDC0%4.04%4.56%
Centrifuge-protocolBase1.28MUSDC0%4.04%4.56%
Centrifuge-protocolAvalanche260.78MUSDC0%4.04%4.56%
Centrifuge-protocolBase50.29MUSDC0%4.03%4.56%
TermmaxBase1.20MUSDC0%3.94%4.52%
Fluid-lendingEthereum132.85MUSDT0%4.68%4.44%
Kamino-lendSolana5.74MUSDC0%4.61%4.44%
LoopscaleSolana2.29MUSDC0%5.56%4.44%
Flux-financeEthereum2.05MUSDT0%4.43%4.41%
Centrifuge-protocolMonad4.53MUSDC0%4.12%4.38%
Centrifuge-protocolPharos4.38MUSDC0%3.44%4.38%
Jupiter-lendSolana423.74MUSDC0.71%4.7%4.37%
Midas-rwaEthereum53.08MUSDC0%3.11%4.37%
Midas-rwaEtherlink1.22MUSDC0%3.13%4.37%
ExactlyOP Mainnet1.58MUSDC0%4.3%4.35%
Kamino-lendSolana1.44MUSDC0%4.24%4.3%
Benqi-lendingAvalanche3.67MUSDC0%3.89%4.3%
ExactlyOP Mainnet1.58MUSDC0%4.24%4.28%
SymbiosisTron1.58MUSDT0%5.83%4.26%
Kamino-lendSolana10.82MUSDC0%4.06%4.25%
Gains-networkArbitrum6.27MUSDC0%5.45%4.24%
ExactlyOP Mainnet1.58MUSDC0%4.15%4.23%
ExactlyOP Mainnet1.58MUSDC0%4.15%4.19%
MapleEthereum0.94BUSDT0%4.2%4.18%
ExactlyOP Mainnet1.58MUSDC0%4.02%4.14%
Yo-protocolBase9.90MUSDC0%4.18%4.1%
Yo-protocolEthereum2.28MUSDC0%4.18%4.1%
ExactlyOP Mainnet1.58MUSDC0%4.04%4.1%
Moonwell-lendingBase2.26MUSDC0.3%4.54%4.01%
ExactlyOP Mainnet1.58MUSDC0%3.36%3.97%
Aave-v3Polygon1.02MDAI0%4.11%3.95%
Aave-v3Polygon1.02MDAI0%4.11%3.95%
DolomiteArbitrum1.59MUSDC0%4.7%3.91%
Kamino-lendSolana1.15MUSDT0%3.77%3.9%
ExactlyOP Mainnet1.58MUSDC0%4.18%3.86%
ExactlyOP Mainnet1.58MUSDC0%3.94%3.82%
TermmaxEthereum4.40MUSDC0%3.63%3.78%
Midas-rwaEthereum4.55MUSDC0%6.06%3.78%
Venus-fluxBSC2.91MUSDT0%2.58%3.77%
AmpleBase4.33MUSDC0%4.14%3.75%
Flux-financeEthereum2.59MUSDC0%3.72%3.73%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum453.2M5.05%
Avalanche2264.4M4.43%
Base13113.5M6.27%
BSC551.4M6.04%
Ethereum401.8B7.28%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon33.4M20.45%
Solana8453.2M4.78%
TON13.5M5.66%
zkSync Era000%