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
28/09/2026 22:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Gains-networkArbitrum4.52MUSDC0%31.57%68.18%
Neutral-tradeSolana2.28MUSDC0%32.21%60.2%
Harvest-financeBase1.92MUSDC0%45.8%24.06%
EnsuroEthereum1.31MUSDC0%20.66%23.47%
AccountableEthereum2.30MUSDC16.15%37.04%19.44%
VerantaBase9.78MUSDC0%16.04%18.75%
Ember-protocolSui8.36MUSDC0%4.56%17.48%
Ember-protocolEthereum6.34MUSDC0%10.27%15.65%
AccountableMonad7.50MUSDC1.28%16.33%14.34%
Neutral-tradeSolana4.07MUSDC0%11%14.27%
AccountableEthereum1.05MUSDC0.75%14.9%14.25%
Ember-protocolEthereum1.64MUSDC0%30.02%12.93%
Ember-protocolEthereum3.90MUSDC0%12.95%12.9%
AccountableEthereum10.88MUSDC0%12.42%12.13%
AccountableMonad5.44MUSDC0.5%12.09%11.64%
Midas-rwaEthereum1.70MUSDC0%8.24%11.42%
AccountableMonad74.99MUSDC0.38%11.66%11.4%
Neutral-tradeSolana2.41MUSDC0%14.72%11.24%
AccountableEthereum3.39MUSDC0%12.25%11.02%
Pareto-creditEthereum11.01MUSDC0%10.59%10.59%
Ember-protocolSui9.16MUSDC0%10.14%10.29%
AguaEthereum7.55MUSDC0%10%10%
Ember-protocolEthereum3.55MUSDC0%9.58%9.78%
Pareto-creditEthereum2.19MUSDC0%9.38%9.38%
Nawa-protocolZIGChain3.44MUSDC0%8.52%8.8%
Ember-protocolEthereum17.72MUSDC0%11.77%8.68%
Neutral-tradeSolana1.35MUSDC0%9.69%8.06%
Bitway-earnBSC23.24MUSDT0%8%8%
Ember-protocolSui8.79MUSDC4%12%8%
Euler-v2Monad5.78MUSDC1.25%7.92%7.92%
Blend-pools-v2Stellar10.08MUSDC0%7.57%7.86%
Pareto-creditEthereum155.34MUSDC0%7.83%7.82%
Midas-rwaEthereum65.62MUSDC0%7.52%7.73%
Sentora-curatorEthereum94.45MUSDC0%7.26%7.73%
Bitway-earnBSC6.47MUSDT0%7.5%7.5%
Aave-v3Avalanche3.69MUSDC0%4.65%7.42%
Centrifuge-protocolMonad10.07MUSDC0%1.83%7.25%
Rhea-lendNear2.01MUSDT0%9.21%7.08%
AccountableMonad2.34MUSDC0.5%7.31%7.03%
Zerobase-cedefiEthereum14.08MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.62MUSDT2%9%7%
AmpleBase2.38MUSDC0%4%6.97%
Yearn-financeEthereum7.58MUSDC0%6.83%6.86%
Zerobase-cedefiBSC18.15MUSDT2%8.76%6.76%
Midas-rwaEthereum3.23MUSDC0%6.93%6.76%
Midas-rwaEthereum2.52MUSDC0%6.93%6.76%
Zerobase-cedefiBSC2.17MUSDC2%8.76%6.76%
LoopscaleSolana2.12MUSDC0.33%7.07%6.63%
Pareto-creditEthereum22.06MUSDC0%6.77%6.62%
Harvest-financeBase1.08MUSDC0%7.32%6.53%
Midas-rwaEthereum26.25MUSDC0%7.36%6.48%
Midas-rwaEthereum31.42MUSDC0%6.38%6.47%
Midas-rwaBase41.92MUSDC0%1.76%6.2%
Midas-rwaRobinhood Chain36.04MUSDC0%1.81%6.2%
Yearn-financeEthereum11.90MUSDC0%6.53%6.2%
Fusion-by-iporEthereum1.28MUSDC0%6.39%6.18%
Harmonix-financeHyperliquid L120.52MUSDC0%6.86%6.14%
Harvest-financeEthereum1.16MUSDC0%8.39%6.12%
Midas-rwaEthereum67.73MUSDC0%6.81%6.1%
Extra-finance-leverage-farmingBase3.83MUSDC0%6.32%6%
LoopscaleSolana1.03MUSDC3.13%10.22%5.99%
Aave-v3Monad10.26MUSDC0%6%5.94%
Kamino-lendSolana9.75MUSDC0%6.88%5.86%
Hyperlend-pooledHyperliquid L15.44MUSDC0%4.98%5.67%
AutofinanceBase3.62MUSDC5.64%10.14%5.33%
Alchemix-v3Ethereum7.78MUSDC0%5.51%5.3%
AccountableMonad7.42MUSDC0.5%5.97%5.23%
Benqi-lendingAvalanche2.32MUSDC0%5.62%4.97%
AutofinanceEthereum7.63MUSDC1.16%6.15%4.96%
MapleEthereum630.19MUSDT0%4.74%4.95%
Native-credit-poolEthereum1.09MUSDC0%4.93%4.93%
Midas-rwaEtherlink4.94MUSDC0%6.49%4.89%
Storm-tradeTON2.74MUSDT0%5.19%4.82%
Rhea-lendNear2.18MUSDC0%8.36%4.76%
Midas-rwaEthereum6.43MUSDC0%3.95%4.74%
Midas-rwaEtherlink1.12MUSDC0%3.92%4.74%
Lista-lendingBSC1.83MUSDT0%6.52%4.67%
Yearn-financeBase1.53MUSDC0%4.98%4.59%
Kamino-lendSolana2.68MUSDC0%5.24%4.55%
Fusion-by-iporBase2.93MUSDC0%6.59%4.49%
Midas-rwaEthereum7.39MUSDC0%7.22%4.48%
Navi-lendingSui11.05MUSDC0.61%5.2%4.45%
Yo-protocolBase8.10MUSDC0%4.22%4.45%
Yo-protocolEthereum1.35MUSDC0%4.22%4.45%
Flux-financeEthereum1.95MUSDT0%4.45%4.44%
Fluid-lendingEthereum131.37MUSDC0%4.6%4.41%
ExactlyOP Mainnet1.56MUSDC0%4.38%4.38%
Kamino-lendSolana3.58MUSDC0%5.02%4.38%
Kamino-lendSolana1.49MUSDC0%4.32%4.35%
Kamino-lendSolana11.90MUSDC0%4.31%4.35%
ExactlyOP Mainnet1.56MUSDC0%4.32%4.34%
ExactlyOP Mainnet1.56MUSDC0%4.33%4.32%
Centrifuge-protocolEthereum2.28MUSDT0%3.49%4.31%
ExactlyOP Mainnet1.56MUSDC0%4.26%4.29%
CurvanceMonad3.13MUSDC1.8%5.78%4.27%
ExactlyOP Mainnet1.56MUSDC0%4.17%4.23%
TydroInk17.22MUSDC0%4.02%4.21%
ExactlyOP Mainnet1.56MUSDC0%4.11%4.19%
Kamino-lendSolana1.19MUSDC0%4.18%4.18%
Fluid-lendingArbitrum64.28MUSDC0%4.08%4.17%
ExactlyOP Mainnet1.56MUSDC0%4.19%4.16%
Ember-protocolEthereum2.04MUSDC0%4.34%4.16%
Flux-financeEthereum1.57MUSDC0%3.94%4.15%
Fluid-lendingEthereum133.28MUSDT0%4.63%4.11%
Yearn-financeEthereum2.39MUSDC0%3.96%4.1%
Compound-v3Ethereum37.23MUSDC0%4.68%4.08%
Fusion-by-iporBase1.08MUSDC1.84%6.75%4.08%
ExactlyOP Mainnet1.56MUSDC0%3.91%4.08%
Aave-v4Ethereum3.10MUSDC0%4.7%4.06%
Aave-v3Base17.74MUSDC0%3.73%3.93%
Venus-core-poolBSC7.79MUSDC0%3.21%3.84%
ExactlyOP Mainnet1.56MUSDC0%1.72%3.81%
Centrifuge-protocolMonad4.56MUSDC0%2.84%3.79%
Centrifuge-protocolAvalanche262.76MUSDC0%5.03%3.75%
Centrifuge-protocolBase22.66MUSDC0%5.03%3.75%
Centrifuge-protocolBSC1.02MUSDC0%5.03%3.75%
Centrifuge-protocolEthereum9.30MUSDC0%5.01%3.75%
Aave-v3Ethereum168.47MUSDC0%4.02%3.64%
Aave-v3Ethereum57.63MUSDC1.69%5.6%3.64%
Yearn-financeEthereum19.58MUSDC0%3.72%3.63%
Aave-v3Ethereum225.96MUSDT0%3.58%3.62%
Aave-v3Ethereum64.97MUSDT1.57%5.05%3.62%
Spark-savingsEthereum305.60MUSDC0%3.59%3.6%
Spark-savingsAvalanche8.94MUSDC0%3.59%3.6%
Kamino-lendSolana1.97MUSDT0%3.57%3.59%
Aave-v3BSC1.38MUSDC0%3.2%3.5%
Spark-savingsEthereum397.68MUSDT0%3.4%3.5%
SymbiosisEthereum1.20MUSDC0%4.79%3.48%
Midas-rwaEthereum72.83MUSDC0%3.43%3.42%
Midas-rwaEtherlink1.22MUSDC0%3.43%3.42%
SparklendEthereum15.89MUSDT0%3.3%3.39%
SparklendEthereum3.96MUSDC0%3.43%3.39%
DolomiteArbitrum1.79MUSDC0%4.31%3.36%
Yearn-financeEthereum5.74MUSDT0%3.29%3.33%
Aave-v3Xlayer1.37MUSDC0%2.81%3.3%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Centrifuge-protocolBase7.14MUSDC0%3.86%3.25%
Centrifuge-protocolPharos4.41MUSDC0%3.13%3.25%
Centrifuge-protocolBSC1.01MUSDC0%3.13%3.25%
Centrifuge-protocolBSC1.01MUSDC0%3.13%3.25%
Venus-core-poolBSC47.87MUSDT0%2.87%3.25%
Aave-v3Polygon10.31MUSDC0%3.01%3.24%
Yearn-financeEthereum1.11MUSDC0%3.44%3.24%
DolomiteEthereum31.71MUSDC3.84%7.33%3.21%
Aave-v4Ethereum1.99MUSDT0%4.08%3.2%
Aave-v3Ethereum15.41MDAI0%3.08%3.17%
Native-credit-poolBSC1.43MUSDT0%3.14%3.14%
Compound-v3Ethereum25.63MUSDT0%3.03%3.06%
Aave-v3Arbitrum23.28MUSDC0%2.88%3.04%
Aave-v3Avalanche4.86MUSDT0%4.13%3.03%
Compound-v3Arbitrum2.33MUSDC0%2.89%3.03%
Fluid-lendingBase14.56MUSDC6.16%5.39%2.9%
Yearn-financeEthereum7.37MDAI0%3.12%2.82%
SaveSolana5.72MUSDC0%3.08%2.81%
Aave-v3OP Mainnet1.83MUSDC0%2.65%2.79%
SparklendEthereum85.76MDAI0%2.49%2.71%
Lista-lendingBSC2.70MUSDT0%3.26%2.66%
Gami-labsBase3.03MUSDC0%2.86%2.61%
Spectra-metavaultsBase3.03MUSDC0%2.91%2.61%
Aave-v3BSC15.34MUSDT0%2.77%2.57%
Compound-v3Arbitrum4.26MUSDT0%2.58%2.57%
Lista-lendingBSC1.37MUSDT0%3.05%2.51%
Kamino-lendSolana1.90MUSDC0%1.63%2.39%
Venus-fluxBSC1.62MUSDT0%2.71%2.38%
Justlend-v1Tron90.48MUSDT0%2.25%2%
SaveSolana2.29MUSDT0%1.81%1.83%
CurrentSui22.24MUSDC6.26%8.91%1.74%
ExactlyOP Mainnet1.56MUSDC0%0.96%1.16%
Echelon-marketAptos1.83MUSDC4.5%4.15%1.14%
Lista-lendingEthereum5.76MUSDC4.52%7.13%1.13%
Lista-lendingEthereum4.07MUSDT4.25%6.22%1.11%
Aave-v4Avalanche6.72MUSDC4.51%5.27%0.61%
AcrossEthereum1.12MUSDT3.06%2.27%0.53%
TectonicCronos1.33MUSDC0.03%0.51%0.48%
AcrossEthereum1.10MUSDC4.51%4.49%0.18%
Aave-v4Avalanche6.18MUSDT6.58%6.6%0.13%
CredixSolana13.41MUSDC0%0.06%0.07%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum7108.1M13.05%
Avalanche7295.5M3.36%
Base18156.9M6.53%
BSC16134.4M4.24%
Ethereum683.1B6.15%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon110.3M3.24%
Solana1769.1M8.51%
TON12.7M4.82%
zkSync Era000%