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
19/10/2026 22:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableMonad1.14MUSDC0%32.65%187.21%
Harvest-financeBase1.76MUSDC0%26.16%27.39%
EnsuroEthereum1.30MUSDC0%21.93%25.46%
VerantaBase9.73MUSDC0%19.36%24.36%
AccountableEthereum3.40MUSDC0%12.82%15.57%
AccountableEthereum1.23MUSDC0%14.91%14.25%
AccountableMonad6.36MUSDC0.84%15.39%13.4%
Ember-protocolEthereum1.64MUSDC0%12.93%12.93%
Ember-protocolEthereum2.63MUSDC0%13.01%12.9%
AccountableEthereum12.10MUSDC0%12.24%12.13%
AccountableMonad5.44MUSDC0.44%12.1%11.64%
Ember-protocolEthereum18.02MUSDC0%11.13%11.53%
Vectis-financeEthereum1.80MUSDC0%13.36%10.85%
Pareto-creditEthereum11.10MUSDC0%10.59%10.59%
Midas-rwaEthereum26.36MUSDC0%8.44%10.21%
Centrifuge-protocolEthereum2.69MUSDT0%6.83%10.11%
Ember-protocolSui10.32MUSDC0%10.12%10%
AguaEthereum11.52MUSDC0%10%10%
AguaMonad9.08MUSDC0%10%10%
AccountableMonad74.97MUSDC0.23%11.08%9.5%
Rhea-lendNear1.94MUSDC0%9.01%9.5%
Gains-networkArbitrum4.22MUSDC0%27.38%9.43%
Ember-protocolEthereum3.67MUSDC0%9.54%9.43%
Benqi-lendingAvalanche1.34MUSDC0%7.59%9.43%
Pareto-creditEthereum2.02MUSDC0%9.38%9.38%
Nawa-protocolZIGChain3.46MUSDC0%10.41%9.33%
Neutral-tradeSolana1.27MUSDC0%8.18%8.58%
Midas-rwaEthereum7.93MUSDC0%7.21%8.5%
AccountableEthereum2.82MUSDC10.69%29.76%8.15%
Vectis-financeSolana2.71MUSDC0%7.1%8.14%
Pareto-creditEthereum130.69MUSDC0%7.97%8.06%
Bitway-earnBSC21.75MUSDT0%8%8%
Ember-protocolSui8.52MUSDC4%12%8%
Kamino-lendSolana55.21MUSDC0%8.19%7.9%
Jupiter-lendSolana474.53MUSDC0%6.11%7.84%
Neutral-tradeSolana2.05MUSDC0%10.41%7.78%
Neutral-tradeSolana1.38MUSDC0%48.94%7.71%
Coinmerce-capitalHyperliquid L11.74MUSDC0%6.69%7.64%
Kamino-lendSolana7.27MUSDC0%7.62%7.6%
Bitway-earnBSC1.59MUSDT0%7.5%7.5%
Sentora-curatorEthereum97.12MUSDC0%7.65%7.49%
Midas-rwaEthereum65.96MUSDC0%7.49%7.46%
Rhea-lendNear2.20MUSDT0%9.39%7.36%
Blend-pools-v2Stellar10.53MUSDC0%7.19%7.27%
Yearn-financeEthereum7.46MUSDC0%6.88%7.06%
AccountableMonad2.17MUSDC0.22%7.58%7.03%
Zerobase-cedefiEthereum14.19MUSDT2%9%7%
Zerobase-cedefiBase10.53MUSDC2%9%7%
Zerobase-cedefiArbitrum7.61MUSDT2%9%7%
Fusion-by-iporEthereum1.28MUSDC0%6.3%6.79%
Zerobase-cedefiBSC16.76MUSDT2%8.76%6.76%
Zerobase-cedefiBSC1.89MUSDC2%8.76%6.76%
Midas-rwaEthereum3.41MUSDC0%6.97%6.72%
Midas-rwaEthereum1.44MUSDC0%6.97%6.72%
Pareto-creditEthereum21.90MUSDC0%6.62%6.62%
Harvest-financeBase1.07MUSDC0%6.88%6.42%
Midas-rwaEthereum28.82MUSDC0%7.36%6.38%
Yearn-financeEthereum11.67MUSDC0%6.7%6.26%
Kamino-lendSolana4.63MUSDC0.02%6.25%6.26%
Compound-v3Ethereum14.55MUSDT0%3.88%6.25%
Midas-rwaBase51.54MUSDC0%5.38%6.2%
Midas-rwaRobinhood Chain36.04MUSDC0%5.38%6.2%
AccountableMonad6.67MUSDC0.21%5.99%6.13%
Midas-rwaEthereum34.06MUSDC0%6.22%6.1%
AccountableEthereum1.79MUSDC0%12.85%6.03%
Fluid-lendingArbitrum58.99MUSDC0%5.22%5.8%
Harmonix-financeHyperliquid L115.01MUSDC0%6.24%5.76%
Alchemix-v3Ethereum7.82MUSDC0%5.35%5.73%
Euler-v2Monad3.66MUSDC1.25%7.8%5.68%
Fluid-lendingEthereum135.22MUSDC0%5.27%5.68%
SymbiosisEthereum1.12MUSDC0%4.43%5.66%
Kamino-lendSolana14.02MUSDC0.12%6.58%5.46%
Compound-v3Ethereum35.77MUSDC0%4.83%5.39%
MapleEthereum727.58MUSDT0%5.26%5.33%
Aave-v4Ethereum2.58MUSDC0%5%5.25%
Harvest-financeEthereum1.16MUSDC0%6.09%5.24%
Navi-lendingSui7.03MUSDC0.55%5.44%5.24%
Kamino-lendSolana1.32MUSDC0.11%5.71%5.22%
Kamino-lendSolana10.66MUSDC0.35%5.93%5.2%
Kamino-lendSolana1.09MUSDC0.12%5.63%5.18%
SymbioticEthereum1.01MUSDC0%6.08%5.14%
Aave-v3Avalanche6.01MUSDC0%5.7%5.13%
AutofinanceEthereum7.54MUSDC0.8%6.24%5.11%
Kamino-lendSolana1.58MUSDC0.09%5.55%4.94%
Fluid-lendingBase10.91MUSDC3.31%8.11%4.92%
Yearn-financeBase1.52MUSDC0%4.85%4.91%
Kamino-lendSolana64.99MUSDC0.06%5.42%4.82%
Fusion-by-iporBase2.95MUSDC0%4.61%4.82%
Hyperlend-pooledHyperliquid L14.96MUSDC0%4.51%4.81%
Ember-protocolEthereum2.05MUSDC0%4.36%4.67%
Centrifuge-protocolAvalanche263.17MUSDC0%3.73%4.51%
Centrifuge-protocolBase22.77MUSDC0%3.71%4.51%
Centrifuge-protocolBSC1.02MUSDC0%3.7%4.51%
Centrifuge-protocolEthereum9.32MUSDC0%3.65%4.5%
Yo-protocolBase7.58MUSDC0%4.38%4.46%
Yo-protocolEthereum1.87MUSDC0%4.38%4.46%
TydroInk13.75MUSDC0%4.27%4.45%
Flux-financeEthereum1.95MUSDT0%4.44%4.44%
Jupiter-lendSolana17.11MUSDT0%4.12%4.44%
Kamino-lendSolana2.61MUSDT0%4.62%4.43%
Kamino-lendSolana2.51MUSDC0%5.18%4.39%
ExactlyOP Mainnet1.54MUSDC0%4.34%4.35%
Kamino-lendSolana4.06MUSDC0%5.6%4.34%
AutofinanceBase3.51MUSDC4.13%9.83%4.31%
ExactlyOP Mainnet1.54MUSDC0%4.3%4.3%
Yearn-financeEthereum2.40MUSDC0%4.17%4.27%
Fluid-lendingEthereum129.34MUSDT0%4.45%4.26%
ExactlyOP Mainnet1.54MUSDC0%4.23%4.25%
Kamino-lendSolana14.18MUSDC0%5.23%4.24%
Kamino-lendSolana1.39MUSDC0%4.83%4.24%
Kamino-lendSolana2.06MUSDC0.02%5.14%4.23%
ExactlyOP Mainnet1.54MUSDC0%4.2%4.22%
Kamino-lendSolana1.56MUSDC0%4.8%4.21%
Kamino-lendSolana2.41MUSDC0.03%4.36%4.2%
Fusion-by-iporBase1.07MUSDC1.78%6.26%4.17%
ExactlyOP Mainnet1.54MUSDC0%4.32%4.14%
Flux-financeEthereum1.60MUSDC0%4.14%4.14%
Aave-v3Monad15.91MUSDC1.5%6.16%4.12%
Venus-core-poolBSC6.76MUSDC0%3.79%4.1%
ExactlyOP Mainnet1.54MUSDC0%4.26%4.09%
CurvanceMonad4.36MUSDC2.13%6.13%4.04%
SaveSolana3.87MUSDC0%3.19%4.02%
ExactlyOP Mainnet1.54MUSDC0%2.76%4.02%
Kamino-lendSolana19.52MUSDC0%4.44%4%
ExactlyOP Mainnet1.54MUSDC0%4.05%4%
ExactlyOP Mainnet1.54MUSDC0%4.04%3.98%
Aave-v3Base18.80MUSDC1.85%4.49%3.97%
DolomiteArbitrum1.42MUSDC0%4.62%3.96%
Aave-v3Polygon1.03MDAI0%4.42%3.94%
ExactlyOP Mainnet1.54MUSDC0%3.83%3.94%
Midas-rwaEthereum6.45MUSDC0%3.92%3.91%
Midas-rwaEtherlink1.13MUSDC0%3.91%3.91%
Spark-savingsEthereum297.20MUSDC0%3.68%3.8%
Spark-savingsAvalanche1.62MUSDC0%3.68%3.8%
Aave-v3Ethereum150.65MUSDC0%4.35%3.78%
Aave-v3Ethereum54.32MUSDC1.79%5.96%3.78%
Spark-savingsEthereum690.69MUSDT0%3.62%3.75%
Echelon-marketAptos1.25MUSDC2.48%5.97%3.68%
Yearn-financeEthereum19.48MUSDC0%3.66%3.68%
Yearn-financeEthereum1.12MUSDC0%3.46%3.68%
Storm-tradeTON2.68MUSDT0%4.49%3.66%
SparklendEthereum4.71MUSDC0%3.43%3.56%
Aave-v3Avalanche2.71MUSDT0%3.94%3.55%
Lista-lendingBSC2.79MUSDT0%3.98%3.51%
Kamino-lendSolana1.43MUSDC0%2.87%3.49%
Kamino-lendSolana1.40MUSDC0%3.82%3.42%
Venus-core-poolBSC43.17MUSDT0%3.32%3.42%
Extra-finance-leverage-farmingBase3.57MUSDC0%6.33%3.41%
SparklendEthereum15.86MUSDT0%3.4%3.4%
Yearn-financeEthereum5.69MUSDT0%3.29%3.35%
Aave-v4Ethereum1.34MUSDC0%4.56%3.35%
Aave-v3Ethereum12.05MDAI0%3.3%3.35%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Yearn-financeEthereum6.76MDAI0%2.91%3.22%
Aave-v3Ethereum1.25MUSDC0%3.26%3.22%
Aave-v3Polygon10.09MUSDC0%3.07%3.21%
Aave-v3Ethereum420.91MUSDT0%3.87%3.15%
Aave-v3Ethereum62.12MUSDT1.64%5.45%3.15%
Aave-v3BSC2.27MUSDC0%3.28%3.14%
Kamino-lendSolana6.79MUSDC4.99%8.56%3.14%
Compound-v3Arbitrum1.91MUSDC0%3.04%3.13%
SaveSolana1.57MUSDT0%2.09%3.11%
DolomiteEthereum35.12MUSDC3.46%7.29%3.06%
Aave-v3BSC11.72MUSDT0%2.94%3.03%
Ember-protocolSui8.72MUSDC0%11.77%3.02%
Ember-protocolEthereum6.13MUSDC0%10.32%3.02%
SparklendEthereum76.03MDAI0%2.75%2.85%
Gami-labsBase3.04MUSDC0%3.49%2.84%
Spectra-metavaultsBase3.04MUSDC0%3.49%2.84%
Midas-rwaEthereum74.91MUSDC0%3.29%2.75%
Midas-rwaEtherlink1.23MUSDC0%3.29%2.75%
Aave-v4Ethereum6.13MUSDT0%3.96%2.7%
NeverlandMonad1.04MUSDC4.8%10.19%2.65%
Neutral-tradeSolana3.84MUSDC0%13.07%2.61%
Centrifuge-protocolBase6.56MUSDC0%3.78%2.49%
Centrifuge-protocolPharos4.73MUSDC0%3.6%2.49%
Centrifuge-protocolBSC1.02MUSDC0%3.6%2.49%
SymbioticEthereum1.01MUSDC0%2.94%2.42%
SymbioticEthereum1.01MUSDC0%2.94%2.42%
Lista-lendingBSC1.38MUSDT0%2.95%2.42%
Compound-v3Arbitrum5.29MUSDT0%2.46%2.31%
CurrentSui1.08MUSDT2.68%6.48%2.29%
Aave-v3Arbitrum54.19MUSDC0%3.07%2.28%
Justlend-v1Tron85.71MUSDT0%2.11%2.2%
Native-credit-poolEthereum1.13MUSDC0%3.97%2.09%
CurrentSui21.73MUSDC4.76%7.87%2.01%
Lista-lendingEthereum4.49MUSDC5.47%7.09%1.4%
Midas-rwaEtherlink4.95MUSDC0%4.53%1.38%
Native-credit-poolEthereum3.77MUSDT0%2.57%1.17%
ExactlyOP Mainnet1.54MUSDC0%1.09%1.07%
Lista-lendingEthereum4.13MUSDT4.93%5.74%1.02%
Lista-lendingBSC1.01MUSDC5.25%6.02%0.83%
Aave-v4Avalanche6.45MUSDC0%4.24%0.56%
TectonicCronos1.52MUSDC0.02%0.48%0.4%
AcrossEthereum1.12MUSDT2.92%3.6%0.33%
Aave-v4Avalanche7.56MUSDT0%5.54%0.28%
CredixSolana13.41MUSDC0%0.05%0.03%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum7133.6M4.84%
Avalanche7288.9M3.89%
Base17159.9M7%
BSC13113.1M4.34%
Ethereum743.6B6.05%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon211.1M3.58%
Solana31742.4M5.01%
TON12.7M3.66%
zkSync Era000%