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 3.74% on Jun 29 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
01/07/2026 17:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Ember-protocolEthereum1.99MUSDC0%5.57%71.92%
AccountableEthereum1.04MUSDC0%14.29%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum10.51MUSDC0%12.63%12.9%
AccountableMonad48.67MUSDC0.35%11.03%11.6%
Harvest-financeBase1.86MUSDC0%15.77%11.46%
Gains-networkArbitrum6.81MUSDC0%9.7%11.05%
AvantisBase30.44MUSDC0%9.59%10.75%
AccountableEthereum4.15MUSDC9.71%11.85%10.19%
GoldfinchEthereum36.72MUSDC0%10.12%10.12%
AccountableMonad5.19MUSDC0.47%10.24%10%
Bracket-vaultsEthereum2.64MUSDC0%10.07%9.58%
Harmonix-financeHyperliquid L120.34MUSDC0%9.89%9.22%
Ember-protocolEthereum3.01MUSDC0%8.64%9.15%
AccountableMonad8.95MUSDC0.49%10.95%8.94%
Ember-protocolSui2.70MUSDC0%9%8.75%
Ember-protocolSui1.09MUSDC0%8.43%8.66%
YieldseekerBase1.88MUSDC0%8.13%8.33%
AccountableEthereum2.12MUSDC0%6.22%8.25%
Bitway-earnBSC23.80MUSDT0%9.95%8%
Ember-protocolSui7MUSDC4%12%8%
Kamino-lendSolana2.31MUSDC0%6.43%7.81%
Fluid-lendingEthereum119.59MUSDT1.04%5.62%7.59%
LoopscaleSolana1.45MUSDC0.74%8.13%7.42%
Lista-lendingBSC6.06MUSDT0.15%4.91%7.38%
Ember-protocolSui6.91MUSDC0%5.5%7.28%
Ember-protocolSui1.20MUSDC0%11.17%7.25%
Zerobase-cedefiEthereum14.20MUSDT2%9%7%
Zerobase-cedefiArbitrum7.63MUSDT2%9%7%
Gami-labsStellar14.30MUSDC0%7%7%
AccountableMonad2.94MUSDC0.48%7.69%6.79%
Zerobase-cedefiBSC22.22MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.13MUSDC2%8.76%6.76%
Blend-pools-v2Stellar13.92MUSDC0%7.18%6.76%
Euler-v2Ethereum6.84MUSDC0%2.8%6.47%
AutofinanceEthereum7.17MUSDC0.35%6.22%6.39%
Fluid-lendingBase8.45MUSDC0%5.34%6.11%
Yearn-financeEthereum9.67MUSDC0%5.22%6.01%
Storm-tradeTON3.73MUSDT0%5.92%6%
Aave-v3Ethereum7.88MDAI0%4.06%5.95%
Kamino-lendSolana4.97MUSDC0%4.26%5.92%
Fusion-by-iporEthereum1.91MUSDC0%6.23%5.91%
Ember-protocolSui1.35MUSDC0%8.03%5.78%
Yearn-financeEthereum5.68MUSDC0%4.81%5.76%
LoopscaleSolana1.02MUSDC0%5.8%5.72%
LoopscaleSolana1.02MUSDC0%5.8%5.72%
Extra-finance-leverage-farmingBase3.51MUSDC0%6.59%5.69%
Hyperlend-pooledHyperliquid L111.62MUSDC0%5.87%5.66%
Harvest-financeEthereum1.13MUSDC0%8.29%5.55%
TydroInk1.29MUSDC0%1.38%5.51%
Navi-lendingSui5.24MUSDC0.46%5.98%5.45%
Fluid-lendingEthereum8.22MUSDC0%5.41%5.45%
Fluid-lendingEthereum133MUSDC0.93%6.51%5.45%
SymbiosisTron1.42MUSDT0%6.74%5.38%
AmpleBase4.28MUSDC0%4.78%5.23%
SymbiosisEthereum1.21MUSDC0%9.26%5.16%
Yearn-financeBase1.71MUSDC0%4.5%4.96%
AutofinanceBase7.03MUSDC1.8%7.58%4.93%
TermmaxEthereum1.08MUSDC0%1.62%4.92%
Aave-v3Ethereum61.05MUSDC3.76%7.3%4.89%
Aave-v3Ethereum133.16MUSDC0%3.48%4.89%
Fluid-lendingArbitrum37.10MUSDC0%5.98%4.84%
Jupiter-lendSolana379.52MUSDC0.8%4.64%4.81%
Centrifuge-protocolPlume Mainnet32.92MUSDC0%1.75%4.65%
Centrifuge-protocolAvalanche259.80MUSDC0%3.28%4.61%
Centrifuge-protocolBase50.10MUSDC0%3.27%4.61%
Flux-financeEthereum1.92MUSDT0%4.52%4.44%
Ember-protocolSui1.12MUSDC5.71%11.22%4.33%
Folks-finance-lendingAlgorand1.35MUSDC0%4.61%4.33%
Yearn-financeEthereum1.18MUSDC0%3.87%4.31%
TermmaxEthereum5.18MUSDC0%3.4%4.25%
DolomiteArbitrum1.47MUSDC0%3.81%4.25%
Centrifuge-protocolBase2.22MUSDC0%3.25%4.23%
Centrifuge-protocolEthereum5.87MUSDC0%3.26%4.23%
MapleEthereum1.09BUSDT0%4.14%4.17%
ExactlyOP Mainnet1.75MUSDC0%4.12%4.17%
ExactlyOP Mainnet1.75MUSDC0%4.16%4.16%
ExactlyOP Mainnet1.75MUSDC0%4.1%4.16%
Lazy-summer-protocolEthereum9.68MUSDC0.68%3.81%4.12%
ExactlyOP Mainnet1.75MUSDC0%4.05%4.09%
Aave-v3Avalanche5.24MUSDC0%3.42%4.09%
ExactlyOP Mainnet1.75MUSDC0%4.03%4.09%
Native-credit-poolBSC4.05MUSDT0%3.55%4.08%
Euler-v2Monad2.20MUSDC3.14%4.3%4.07%
Moonwell-lendingBase2.23MUSDC0.36%6.47%4.06%
Yo-protocolBase11.11MUSDC0%4.22%4.04%
Yo-protocolEthereum2.66MUSDC0%4.22%4.04%
Native-credit-poolEthereum5.17MUSDC0%3.22%4.04%
ExactlyOP Mainnet1.75MUSDC0%3.9%4.02%
ExactlyOP Mainnet1.75MUSDC0%3.95%3.97%
Folks-finance-xchainPolygon1.26MUSDT0%4.11%3.96%
Gains-networkBase2.13MUSDC0%4.14%3.88%
ExactlyOP Mainnet1.75MUSDC0%3.4%3.82%
TermmaxBase1.20MUSDC0%4.09%3.82%
Lista-lendingBSC4.95MUSDT0.06%4.6%3.79%
Yearn-financeEthereum7.31MUSDT0%3.2%3.76%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum453M6.79%
Avalanche2265M4.35%
Base14128.2M5.86%
BSC663.2M6.13%
Ethereum321.7B8.47%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.3M3.96%
Solana6390.3M6.23%
TON13.7M6%
zkSync Era000%