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
01/08/2026 20:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AzuroPolygon1.44MUSDT0%9.02%40.33%
AccountableMonad7.59MUSDC0.98%32.54%35.62%
AccountableMonad99.93MUSDC0.28%15.64%17.6%
Ember-protocolSui1.21MUSDC0%9.73%16.62%
AccountableEthereum3.57MUSDC11.39%19.02%14.04%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum7.67MUSDC0%12.86%12.9%
Ember-protocolEthereum5.91MUSDC0%5.62%11.6%
AccountableEthereum2.23MUSDC0%11.12%11.59%
Harvest-financeBase1.88MUSDC0%12.64%11.23%
Nawa-protocolZIGChain3.81MUSDC0%6.81%10.93%
AvantisBase21.13MUSDC0%9.07%10.67%
Pareto-creditEthereum15.29MUSDC0%10.59%10.58%
Ember-protocolSui1.31MUSDC0%8.28%10.57%
Ember-protocolSui1.07MUSDC0%9.84%10.25%
Ember-protocolSui1.07MUSDC0%9.84%10.25%
GoldfinchEthereum35.96MUSDC0%10.11%10.21%
Midas-rwaEthereum70.89MUSDC0%10.67%10.19%
Midas-rwaEthereum8MUSDC0%9.3%10.01%
YieldseekerBase2.02MUSDC0%8.64%9.85%
Ember-protocolEthereum3.27MUSDC0%9.31%9.75%
Pareto-creditEthereum2.14MUSDC0%9.38%9.38%
Ember-protocolSui5.78MUSDC0%9%9.31%
Bracket-vaultsEthereum2.59MUSDC0%9.39%9.3%
Hyperlend-pooledHyperliquid L19.79MUSDC0%7.47%8.74%
Midas-rwaEthereum7.28MUSDC0%5.39%8.74%
Midas-rwaEtherlink1.12MUSDC0%5.41%8.74%
Midas-rwaEthereum37.38MUSDC0%10.37%8.72%
Euler-v2Monad1.59MUSDC2.64%8.48%8.67%
Pareto-creditEthereum181.67MUSDC0%8.31%8.31%
Midas-rwaEthereum6.67MUSDC0%7.82%8.16%
Midas-rwaEthereum2.50MUSDC0%7.82%8.16%
Bitway-earnBSC23.70MUSDT0%8%8%
Ember-protocolSui8.08MUSDC4%12%8%
AccountableMonad10.07MUSDC0.5%9.72%7.67%
AccountableMonad1.95MUSDC0.44%7.51%7.52%
Midas-rwaEthereum1.73MUSDC0%10.07%7.18%
Pareto-creditEthereum21.87MUSDC0%7.13%7.13%
Extra-finance-leverage-farmingBase3.30MUSDC0%6.6%7.06%
Blend-pools-v2Stellar12.92MUSDC0%7.46%7.01%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Zerobase-cedefiArbitrum7.63MUSDT2%9%7%
Yearn-financeEthereum6.18MUSDC0%6.95%6.95%
Harmonix-financeHyperliquid L117.73MUSDC0%8.13%6.88%
Zerobase-cedefiBSC20.52MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.03MUSDC2%8.76%6.76%
Kamino-lendSolana3.80MUSDC0%6.74%6.73%
LoopscaleSolana2.70MUSDC0.24%7.27%6.55%
Yearn-financeEthereum1.19MUSDC0%5.44%6.46%
Ember-protocolEthereum17.05MUSDC0%6.87%6.45%
Harvest-financeEthereum1.15MUSDC0%6.36%6.39%
Ember-protocolSui5.68MUSDC0%6.31%6.09%
AutofinanceBase5.28MUSDC2.41%7.71%5.88%
Storm-tradeTON3.49MUSDT0%5.78%5.68%
Yearn-financeEthereum9.02MUSDC0%5.98%5.63%
Midas-rwaEtherlink4.78MUSDC0%7.88%5.39%
Euler-v2Ethereum6.59MUSDC0%3.97%5.34%
AutofinanceEthereum8.53MUSDC0.42%6.63%5.33%
Fusion-by-iporEthereum2.30MUSDC0%5.88%5.32%
Ember-protocolSui1.19MUSDC5.81%11.91%5.28%
Gains-networkArbitrum6.32MUSDC0%5.8%5.04%
Fluid-lendingBase8.66MUSDC0%5.39%5.04%
Yearn-financeBase1.73MUSDC0%4.98%4.91%
Navi-lendingSui7.34MUSDC0.39%5.62%4.86%
Lista-lendingBSC1.81MUSDT0.3%6.55%4.82%
Centrifuge-protocolAvalanche260.71MUSDC0%4.16%4.8%
Centrifuge-protocolBase50.27MUSDC0%4.16%4.8%
Centrifuge-protocolEthereum5.74MUSDC0%4.16%4.8%
Centrifuge-protocolBase1.54MUSDC0%4.16%4.8%
Fluid-lendingEthereum151.67MUSDC0%5.38%4.75%
Fluid-lendingEthereum9.04MUSDC0%5.38%4.75%
Fluid-lendingArbitrum37.63MUSDC0%5.4%4.72%
Fluid-lendingEthereum131.25MUSDT0%4.7%4.61%
Jupiter-lendSolana420.26MUSDC0.72%4.68%4.58%
LoopscaleSolana2.13MUSDC0%5.66%4.57%
Alchemix-v3Ethereum7.53MUSDC0%4.48%4.53%
TermmaxBase1.20MUSDC0%3.93%4.52%
Centrifuge-protocolMonad4.53MUSDC0%4.12%4.5%
Centrifuge-protocolPharos4.38MUSDC0%3.46%4.5%
SymbiosisEthereum1.19MUSDC0%4.73%4.48%
Flux-financeEthereum2.05MUSDT0%4.43%4.41%
DolomiteArbitrum1.42MUSDC0%4.71%4.38%
ExactlyOP Mainnet1.57MUSDC0%4.29%4.35%
SymbiosisTron1.31MUSDT0%6.02%4.32%
ExactlyOP Mainnet1.57MUSDC0%4.23%4.28%
MapleEthereum0.92BUSDT0%4.18%4.27%
Midas-rwaEthereum53.15MUSDC0%3.05%4.25%
Midas-rwaEtherlink1.22MUSDC0%3.05%4.25%
ExactlyOP Mainnet1.57MUSDC0%4.13%4.22%
ExactlyOP Mainnet1.57MUSDC0%4.14%4.19%
Yo-protocolBase9.92MUSDC0%4.17%4.17%
Yo-protocolEthereum2.28MUSDC0%4.17%4.17%
ExactlyOP Mainnet1.57MUSDC0%4%4.14%
Kamino-lendSolana12.31MUSDC0%4.11%4.13%
Kamino-lendSolana1.56MUSDC0%4.28%4.12%
Kamino-lendSolana8.93MUSDC0%4.65%4.11%
Benqi-lendingAvalanche4.10MUSDC0%3.86%4.09%
ExactlyOP Mainnet1.57MUSDC0%4.03%4.09%
Lista-lendingBSC6.06MUSDT0%4.83%3.96%
ExactlyOP Mainnet1.57MUSDC0%3.09%3.96%
ExactlyOP Mainnet1.57MUSDC0%4.2%3.92%
Moonwell-lendingBase2.47MUSDC0.3%4.54%3.91%
ExactlyOP Mainnet1.57MUSDC0%3.94%3.83%
TermmaxEthereum4.40MUSDC0%3.62%3.78%
Aave-v3Avalanche5.47MUSDC0%3.56%3.78%
Midas-rwaEthereum4.55MUSDC0%6.28%3.78%
AmpleBase4.32MUSDC0%4.16%3.76%
Flux-financeEthereum2.60MUSDC0%3.72%3.73%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum453M5.28%
Avalanche3270.3M4.22%
Base13113.7M6.2%
BSC554.1M6.06%
Ethereum401.8B7.18%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.4M40.33%
Solana7451.7M4.97%
TON13.5M5.68%
zkSync Era000%