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
17/09/2026 09:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Gains-networkArbitrum4.68MUSDC0%16.36%43.64%
AccountableMonad1.14MUSDC0%12.23%24.46%
AccountableEthereum1.99MUSDC18.6%33.04%22.13%
AvantisBase10.01MUSDC0%9.37%21.21%
Harvest-financeBase1.85MUSDC0%41.62%20.97%
AccountableMonad7.50MUSDC0.9%17.23%16.87%
Neutral-tradeSolana2.17MUSDC0%13.02%15.66%
Neutral-tradeSolana2.22MUSDC0%18.99%14.64%
AccountableEthereum1.05MUSDC0.75%15.1%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
EnsuroEthereum1.10MUSDC0%21.42%13.38%
Ember-protocolEthereum1.64MUSDC0%25.46%12.93%
Ember-protocolEthereum6.79MUSDC0%12.87%12.9%
AccountableEthereum13.85MUSDC0%12.08%12.51%
Midas-rwaEthereum26.37MUSDC0%5.08%11.87%
AccountableMonad5.04MUSDC0.41%12.1%11.64%
AccountableEthereum3.14MUSDC0%10.88%11.54%
AccountableMonad74.97MUSDC0.26%12.16%11.4%
Pareto-creditEthereum11.01MUSDC0%10.59%10.59%
Ember-protocolSui1.34MUSDC0%9.78%10.09%
Ember-protocolSui8.04MUSDC0%10.08%10%
AguaEthereum7.10MUSDC0%10%10%
Ember-protocolEthereum10.29MUSDC0%9.61%9.53%
Ember-protocolEthereum3.35MUSDC0%9.5%9.43%
Pareto-creditEthereum2.18MUSDC0%9.38%9.38%
Neutral-tradeSolana1.20MUSDC0%9.85%9.14%
Lista-lendingBSC2.02MUSDT0%7.16%8.88%
Harvest-financeBase1.08MUSDC0%6.92%8.28%
Ember-protocolEthereum17.35MUSDC0%8.74%8.17%
Blend-pools-v2Stellar9.96MUSDC0%7%8.01%
Bitway-earnBSC25.20MUSDT0%8%8%
Ember-protocolSui8.62MUSDC4%12%8%
Midas-rwaEthereum65.28MUSDC0%7.85%7.84%
Pareto-creditEthereum150.75MUSDC0%7.91%7.82%
Fusion-by-iporEthereum1.09MUSDC0%7.65%7.66%
Bitway-earnBSC6.60MUSDT0%7.44%7.5%
Midas-rwaEthereum6.73MUSDC0%7.43%7.27%
Midas-rwaEthereum67.34MUSDC0%7.13%7.13%
Yearn-financeEthereum6.06MUSDC0%6.72%7.02%
Zerobase-cedefiEthereum14.07MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.62MUSDT2%9%7%
Midas-rwaEthereum2.52MUSDC0%7.42%7%
Midas-rwaEthereum7.48MUSDC0%7.82%6.9%
LoopscaleSolana1.04MUSDC0.31%7.02%6.9%
AccountableMonad2MUSDC0.29%7.48%6.79%
Zerobase-cedefiBSC18.39MUSDT2%8.76%6.76%
Zerobase-cedefiBSC1.94MUSDC2%8.76%6.76%
Euler-v2Monad5.81MUSDC1.56%8.27%6.72%
Pareto-creditEthereum22MUSDC0%6.96%6.62%
Sentora-curatorEthereum74.23MUSDC0%6.56%6.59%
Yearn-financeEthereum11.16MUSDC0%6.69%6.56%
Harvest-financeEthereum1.16MUSDC0%9.23%6.48%
SymbioticEthereum1.01MUSDC0%5.72%6.43%
SymbioticEthereum1.01MUSDC0%5.72%6.43%
Midas-rwaEthereum1.70MUSDC0%8.77%6.35%
Harmonix-financeHyperliquid L120.45MUSDC0%6.85%6.33%
Neutral-tradeSolana3.37MUSDC0%4.57%6.33%
Midas-rwaEthereum31.51MUSDC0%6.47%6.25%
Extra-finance-leverage-farmingBase3.76MUSDC0%6.6%6.12%
Kamino-lendSolana10.07MUSDC0%7.17%5.9%
Fusion-by-iporEthereum2.39MUSDC0%5.95%5.87%
Fusion-by-iporEthereum1.28MUSDC0%6.41%5.81%
Midas-rwaEtherlink4.84MUSDC0%8.66%5.52%
Alchemix-v3Ethereum7.77MUSDC0%5.29%5.44%
AutofinanceBase3.57MUSDC4.49%8.83%5.4%
Benqi-lendingAvalanche1.82MUSDC0%4.92%5.32%
Aave-v3Avalanche4.83MUSDC0%4.04%5.3%
Compound-v3Ethereum34.95MUSDC0%4.8%5.26%
Storm-tradeTON2.85MUSDT0%5.37%5.17%
AutofinanceEthereum7.70MUSDC0.95%6.09%5.15%
Hyperlend-pooledHyperliquid L119.76MUSDC0%5.56%5.08%
Yearn-financeBase1.71MUSDC0%5.02%4.98%
Fluid-lendingEthereum160.78MUSDC0%4.79%4.93%
Fluid-lendingEthereum3.72MUSDC0%4.79%4.93%
Native-credit-poolEthereum1.13MUSDC0%4.9%4.93%
Fluid-lendingBase9.23MUSDC0%4.93%4.9%
Centrifuge-protocolMonad4.55MUSDC0%3.19%4.89%
Venus-fluxBSC1.83MUSDT0%2.64%4.86%
Midas-rwaEthereum72.62MUSDC0%3.39%4.69%
Midas-rwaEtherlink1.22MUSDC0%3.39%4.69%
AmpleBase4.38MUSDC0%4.08%4.64%
DolomiteArbitrum1.20MUSDC0%4.42%4.63%
Fusion-by-iporBase1.21MUSDC0%7.58%4.63%
MapleEthereum852.14MUSDT0%4.57%4.61%
Fluid-lendingArbitrum61.36MUSDC0%4.21%4.56%
Navi-lendingSui9.24MUSDC0.4%5.48%4.55%
AccountableMonad7.42MUSDC0.5%6.36%4.52%
Yearn-financeBase1.01MUSDC0%4.42%4.42%
Flux-financeEthereum2.04MUSDT0%4.44%4.41%
ExactlyOP Mainnet1.61MUSDC0%4.38%4.39%
Fusion-by-iporBase1.08MUSDC2.83%6.4%4.37%
ExactlyOP Mainnet1.61MUSDC0%4.32%4.33%
ExactlyOP Mainnet1.61MUSDC0%4.3%4.33%
Kamino-lendSolana3.95MUSDC0%5.5%4.32%
ExactlyOP Mainnet1.61MUSDC0%4.23%4.28%
Kamino-lendSolana4.11MUSDC0%5.58%4.25%
Centrifuge-protocolAvalanche262.32MUSDC0%5.12%4.25%
Centrifuge-protocolBase62.58MUSDC0%5.12%4.25%
Centrifuge-protocolEthereum9.29MUSDC0%5.16%4.25%
Aave-v3Monad12.74MUSDC1.78%5.69%4.23%
Spectra-metavaultsBase3.03MUSDC0%2.05%4.21%
Gami-labsBase3.03MUSDC0%2.03%4.21%
ExactlyOP Mainnet1.61MUSDC0%4.12%4.2%
Yo-protocolBase8.49MUSDC0%4.12%4.19%
Yo-protocolEthereum1.35MUSDC0%4.12%4.19%
ExactlyOP Mainnet1.61MUSDC0%4.2%4.19%
Flux-financeEthereum1.57MUSDC0%3.78%4.15%
ExactlyOP Mainnet1.61MUSDC0%4%4.14%
Ember-protocolEthereum2.04MUSDC2%4.06%4.09%
CurvanceMonad3.07MUSDC2%5.45%4.07%
Venus-core-poolBSC6.59MUSDC0%2.51%4.07%
Yearn-financeEthereum2.39MUSDC0%3.82%4.01%
ExactlyOP Mainnet1.61MUSDC0%3.94%4%
Fluid-lendingEthereum129.83MUSDT0%4.83%3.99%
Kamino-lendSolana19.79MUSDC0%4.85%3.78%
Kamino-lendSolana1.83MUSDC0%4.78%3.78%
Midas-rwaEthereum3.49MUSDC0%3.78%3.78%
TydroInk12.70MUSDC0%3.62%3.7%
Aave-v3Base20.44MUSDC0%3.54%3.69%
Yearn-financeEthereum20.93MUSDC0%3.63%3.69%
Jupiter-lendSolana474.20MUSDC0.38%4.85%3.62%
Lista-lendingBSC2.44MUSDT0%2.65%3.62%
Spark-savingsEthereum313.81MUSDC0%3.56%3.6%
Spark-savingsAvalanche9.41MUSDC0%3.56%3.6%
Aave-v3Ethereum180.05MUSDC0%3.9%3.6%
Aave-v3Ethereum58.32MUSDC1.67%5.46%3.6%
DolomiteEthereum23.89MUSDC5.14%7.42%3.6%
ExactlyOP Mainnet1.61MUSDC0%0.39%3.55%
SparklendEthereum2.08MUSDC0%3.51%3.54%
Yearn-financeEthereum1.11MUSDC0%3.73%3.52%
Aave-v3BSC1.39MUSDC0%2.99%3.52%
SaveSolana4.78MUSDC0%2.8%3.51%
Spark-savingsEthereum396.55MUSDT0%3.25%3.5%
Jupiter-lendSolana17.50MUSDT0%3.99%3.49%
SparklendEthereum15.51MUSDT0%3.18%3.39%
Native-credit-poolEthereum1.51MUSDT0%3.27%3.31%
Zerobase-cedefiOP Mainnet8.09MUSDT2%5.3%3.3%
Yearn-financeEthereum5.78MUSDT0%3.19%3.27%
Aave-v4Ethereum1.54MUSDT0%3.44%3.26%
Compound-v3Ethereum20.34MUSDT0%3.09%3.19%
Aave-v3Polygon10.65MUSDC0%2.86%3.15%
Native-credit-poolBSC1.41MUSDT0%3.13%3.14%
Aave-v3Ethereum1.20MUSDC0%2.76%3.12%
Yearn-financeEthereum7.44MDAI0%3.26%3.1%
Aave-v3Ethereum17.13MDAI0%2.9%3.08%
Aave-v3Ethereum480MUSDT0%3.38%3.07%
Aave-v3Ethereum70.01MUSDT1.46%4.82%3.07%
SymbiosisEthereum1.33MUSDC0%4.98%2.98%
Kamino-lendSolana2.63MUSDT0%4.21%2.98%
Aave-v3Avalanche5.17MUSDT0%4.05%2.96%
Benqi-lendingAvalanche1.33MUSDT0%3.78%2.89%
Aave-v3OP Mainnet1.65MUSDC0%2.48%2.88%
Venus-core-poolBSC57.27MUSDT0%2.57%2.86%
Compound-v3Arbitrum3.07MUSDC0%2.81%2.85%
Aave-v3BSC12.48MUSDT0%2.53%2.77%
Aave-v3Arbitrum30.32MUSDC0%2.53%2.76%
Echelon-marketAptos1.05MUSDC0%3.23%2.63%
Centrifuge-protocolPharos4.40MUSDC0%3.32%2.5%
Compound-v3Arbitrum4.50MUSDT0%2.61%2.49%
SparklendEthereum99.99MDAI0%2.32%2.46%
Centrifuge-protocolEthereum1.97MUSDT0%2.49%2.4%
Justlend-v1Tron76.07MUSDT0%2.33%2.28%
Lista-lendingBSC2.12MUSDT0%2.01%2.14%
Aave-v4Ethereum1.41MUSDC0%1.85%2.05%
Scallop-lendSui1.04MUSDC0%2.46%2.01%
Aave-v4Avalanche1.42MUSDC3.12%4.77%2%
Aave-v3Arbitrum1.08MDAI0%1.94%1.97%
Kamino-lendSolana2.25MUSDC0%0.81%1.97%
SaveSolana2.31MUSDT0%1.7%1.96%
CurrentSui15.14MUSDC6.07%9.15%1.93%
Aave-v3Sonic1.15MUSDC0%1.85%1.85%
Centrifuge-protocolEthereum1.87MUSDC0%2.67%1.8%
Midas-rwaEthereum6.43MUSDC0%6.09%1.64%
Midas-rwaEtherlink1.12MUSDC0%6.08%1.64%
ExactlyOP Mainnet1.61MUSDC0%0.92%0.99%
Lista-lendingEthereum5.16MUSDC5.54%7.17%0.98%
Zest-v2Stacks10.14MUSDC0%0.69%0.84%
TectonicCronos1.19MUSDC0.03%0.33%0.62%
Lista-lendingEthereum3.36MUSDT5.67%6.01%0.53%
AcrossEthereum1.58MUSDT1.33%1.44%0.37%
Aave-v4Avalanche3.54MUSDT6.6%5.19%0.11%
AcrossEthereum1.10MUSDC4.42%4.32%0.11%
CredixSolana13.41MUSDC0%0.05%0.07%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum8113.8M8.74%
Avalanche8289.8M3.3%
Base17147M6.91%
BSC13139.7M4.99%
Ethereum773.6B5.8%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon110.6M3.15%
Solana17566.8M5.43%
TON12.8M5.17%
zkSync Era000%