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
13/10/2026 22:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Harvest-financeBase1.82MUSDC0%36.95%24.73%
EnsuroEthereum1.30MUSDC0%21.5%21.84%
Ember-protocolEthereum2.63MUSDC0%13.07%21.01%
VerantaBase9.64MUSDC0%19.34%18.39%
Vectis-financeEthereum1.26MUSDC0%13.58%16.56%
Rhea-lendNear1.40MUSDT0%9.06%15.87%
AccountableEthereum2.85MUSDC9.87%34.31%14.5%
Rhea-lendNear1.47MUSDC0%8.47%14.26%
AccountableEthereum1.26MUSDC0%14.18%14.26%
AccountableEthereum1.05MUSDC0.75%14.94%14.25%
Ember-protocolEthereum1.64MUSDC0%12.93%12.93%
Benqi-lendingAvalanche1.10MUSDC0%6.55%12.58%
AccountableEthereum11.08MUSDC0%12.32%12.13%
AccountableMonad7.50MUSDC1%16%11.7%
AccountableMonad5.44MUSDC0.4%12.11%11.64%
Pareto-creditEthereum11.10MUSDC0%10.59%10.59%
Midas-rwaEthereum26.36MUSDC0%8.73%10.21%
Ember-protocolEthereum5.89MUSDC0%11.12%10.15%
Ember-protocolSui10.03MUSDC0%10.13%10.01%
AguaEthereum11.50MUSDC0%10%10%
Ember-protocolEthereum3.72MUSDC0%9.6%9.51%
AccountableMonad74.98MUSDC0.3%11.45%9.5%
AccountableEthereum3.40MUSDC0%11.81%9.45%
Pareto-creditEthereum2.01MUSDC0%9.38%9.38%
Nawa-protocolZIGChain3.45MUSDC0%9.72%9.3%
Neutral-tradeSolana4.23MUSDC0%13.89%9.03%
Jupiter-lendSolana474.80MUSDC0.38%4.75%8.82%
Centrifuge-protocolEthereum2.68MUSDT0%5.59%8.8%
Midas-rwaEthereum6.62MUSDC0%6.79%8.63%
Ember-protocolSui1.01MUSDC0%11.47%8.49%
Lista-lendingBSC2.67MUSDT0%3.98%8.44%
Neutral-tradeSolana2.18MUSDC0%11.88%8.19%
Pareto-creditEthereum127.45MUSDC0%7.92%8.06%
Bitway-earnBSC23.71MUSDT0%8%8%
Ember-protocolSui8.48MUSDC4%12%8%
Neutral-tradeSolana1.39MUSDC0%8.43%7.94%
Coinmerce-capitalHyperliquid L11.74MUSDC0%6.22%7.64%
Midas-rwaEthereum65.82MUSDC0%7.54%7.63%
Sentora-curatorEthereum97MUSDC0%7.51%7.53%
Bitway-earnBSC2.19MUSDT0%7.5%7.5%
Blend-pools-v2Stellar10.37MUSDC0%7.34%7.43%
Harvest-financeBase1.04MUSDC0%7.06%7.41%
AccountableMonad2.19MUSDC0.47%7.48%7.28%
SymbioticEthereum1.01MUSDC0%6.13%7.21%
Zerobase-cedefiEthereum14.19MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.61MUSDT2%9%7%
Vectis-financeSolana3.20MUSDC0%6.73%6.92%
Yearn-financeEthereum7.45MUSDC0%6.87%6.9%
Yearn-financeEthereum11.58MUSDC0%6.71%6.8%
Zerobase-cedefiBSC16.79MUSDT2%8.76%6.76%
Zerobase-cedefiBSC1.92MUSDC2%8.76%6.76%
Extra-finance-leverage-farmingBase3.45MUSDC0%6.54%6.75%
Euler-v2Monad5.78MUSDC1.25%7.72%6.71%
Kamino-lendSolana5.37MUSDC0%6.63%6.63%
Pareto-creditEthereum22.09MUSDC0%6.62%6.62%
Compound-v3Ethereum34.21MUSDC0%4.59%6.45%
Fusion-by-iporEthereum1.28MUSDC0%6.21%6.41%
Ember-protocolEthereum17.78MUSDC0%11.09%6.32%
Harmonix-financeHyperliquid L115.34MUSDC0%6.37%6.29%
Midas-rwaBase51.54MUSDC0%4.13%6.2%
Midas-rwaRobinhood Chain36.04MUSDC0%4.19%6.2%
Midas-rwaEthereum31.19MUSDC0%7.38%6.19%
Midas-rwaEthereum34.06MUSDC0%6.43%6.1%
AccountableMonad6.68MUSDC0.47%5.72%6.05%
Aave-v3Avalanche5.16MUSDC0%5.5%5.99%
Fluid-lendingArbitrum55.85MUSDC0%4.84%5.93%
Harvest-financeEthereum1.16MUSDC0%6.13%5.88%
Fluid-lendingEthereum137.83MUSDC0%4.95%5.73%
Fluid-lendingBase11.47MUSDC3.51%7.38%5.68%
Alchemix-v3Ethereum7.74MUSDC0%5.3%5.59%
Centrifuge-protocolAvalanche262.96MUSDC0%3.91%5.58%
Centrifuge-protocolBase22.75MUSDC0%3.9%5.58%
Centrifuge-protocolBSC1.02MUSDC0%3.89%5.58%
Centrifuge-protocolEthereum9.31MUSDC0%3.85%5.57%
Lista-lendingBSC1.32MUSDT0%3.12%5.5%
MapleEthereum733.15MUSDT0%5.1%5.47%
Kamino-lendSolana1.14MUSDC0%5.15%5.42%
Midas-rwaEthereum3.91MUSDC0%7.13%5.36%
Midas-rwaEthereum2.53MUSDC0%7.11%5.36%
Gains-networkArbitrum4.28MUSDC0%33.46%5.35%
AutofinanceEthereum7.59MUSDC0.84%6.26%5.33%
Navi-lendingSui7.01MUSDC0.58%5.3%5.27%
Aave-v4Ethereum2.53MUSDC0%5.02%4.92%
Yearn-financeBase1.62MUSDC0%4.87%4.88%
Fusion-by-iporBase2.80MUSDC0%4.91%4.77%
Kamino-lendSolana1.21MUSDC0%4.48%4.76%
Kamino-lendSolana6.83MUSDC0%4.89%4.76%
Yo-protocolBase7.84MUSDC0%4.33%4.75%
Yo-protocolEthereum1.35MUSDC0%4.33%4.75%
Fusion-by-iporBase1.04MUSDC1.89%6.43%4.69%
AutofinanceBase3.51MUSDC4.42%10.1%4.64%
Kamino-lendSolana1.04MUSDT0%3.97%4.47%
TydroInk13.70MUSDC0%4.16%4.46%
Ember-protocolEthereum2.04MUSDC0%4.54%4.45%
Aave-v3Base16.80MUSDC0%3.9%4.45%
Flux-financeEthereum1.95MUSDT0%4.44%4.44%
SymbioticEthereum1MUSDC0%4.2%4.44%
SymbioticEthereum1MUSDC0%4.2%4.44%
ExactlyOP Mainnet1.56MUSDC0%4.34%4.34%
Gami-labsBase3.03MUSDC0%3.31%4.33%
Spectra-metavaultsBase3.03MUSDC0%3.3%4.33%
ExactlyOP Mainnet1.56MUSDC0%4.29%4.3%
CurvanceMonad3.18MUSDC1.8%6.11%4.29%
Euler-v2Monad1.07MUSDC1.25%6.67%4.28%
Yearn-financeEthereum2.39MUSDC0%4.12%4.25%
ExactlyOP Mainnet1.56MUSDC0%4.22%4.25%
ExactlyOP Mainnet1.56MUSDC0%4.18%4.22%
ExactlyOP Mainnet1.56MUSDC0%4.36%4.21%
Compound-v3Ethereum15.62MUSDT0%3.1%4.16%
ExactlyOP Mainnet1.56MUSDC0%4.3%4.15%
Aave-v3Monad17.86MUSDC1.67%6.13%4.14%
Flux-financeEthereum1.60MUSDC0%4.15%4.14%
Fluid-lendingEthereum128.43MUSDT0%4.49%4.09%
ExactlyOP Mainnet1.56MUSDC0%4.04%4.04%
ExactlyOP Mainnet1.56MUSDC0%2.37%4.02%
ExactlyOP Mainnet1.56MUSDC0%4.09%3.89%
ExactlyOP Mainnet1.56MUSDC0%3.64%3.87%
Hyperlend-pooledHyperliquid L15.83MUSDC0%4.48%3.86%
Midas-rwaEthereum1.72MUSDC0%8.2%3.83%
Aave-v3Polygon1.07MDAI0%4.54%3.81%
Jupiter-lendSolana17.06MUSDT0%3.78%3.8%
Spark-savingsEthereum306.22MUSDC0%3.64%3.8%
Spark-savingsAvalanche2.61MUSDC0%3.64%3.8%
Midas-rwaEthereum6.44MUSDC0%3.59%3.77%
Midas-rwaEtherlink1.13MUSDC0%3.56%3.77%
Storm-tradeTON2.68MUSDT0%4.8%3.76%
Spark-savingsEthereum738.14MUSDT0%3.57%3.75%
Venus-core-poolBSC8.43MUSDC0%3.81%3.71%
Aave-v3Ethereum154.58MUSDC0%4.32%3.69%
Aave-v3Ethereum53.24MUSDC1.83%5.9%3.69%
Centrifuge-protocolBase7.15MUSDC0%4.02%3.67%
Centrifuge-protocolPharos4.56MUSDC0%3.61%3.67%
Centrifuge-protocolBSC1.02MUSDC0%3.61%3.67%
Yearn-financeEthereum1.12MUSDC0%3.43%3.67%
Echelon-marketAptos1.29MUSDC2.86%5.57%3.64%
Yearn-financeEthereum19.61MUSDC0%3.66%3.64%
Midas-rwaEtherlink4.95MUSDC0%5.24%3.61%
SparklendEthereum4.68MUSDC0%3.4%3.56%
Venus-core-poolBSC42.81MUSDT0%3.2%3.42%
SparklendEthereum16.29MUSDT0%3.4%3.39%
Aave-v3Avalanche3.02MUSDT0%4.02%3.39%
Aave-v3Ethereum11.89MDAI0%3.24%3.36%
Yearn-financeEthereum5.69MUSDT0%3.27%3.35%
SaveSolana4.99MUSDC0%3.15%3.33%
Zerobase-cedefiOP Mainnet8.09MUSDT2%5.3%3.3%
DolomiteEthereum29.78MUSDC4.38%7.41%3.3%
Aave-v3BSC2.02MUSDC0%3.33%3.17%
Aave-v3Ethereum376.94MUSDT0%3.86%3.17%
Aave-v3Ethereum62.54MUSDT1.63%5.41%3.17%
Aave-v3Ethereum1.30MUSDC0%3.25%3.15%
Compound-v3Arbitrum2.01MUSDC0%3%3.11%
Aave-v3Polygon10.52MUSDC0%3.06%3.09%
Aave-v4Ethereum4.32MUSDT0%4.19%3.08%
Kamino-lendSolana1.75MUSDC0%2.5%2.93%
Aave-v3BSC12.06MUSDT0%2.89%2.92%
Yearn-financeEthereum6.81MDAI0%2.91%2.91%
SparklendEthereum75.27MDAI0%2.67%2.85%
Neutral-tradeSolana1.41MUSDC0%63.58%2.82%
AccountableMonad1.14MUSDC0%22.98%2.64%
Justlend-v1Tron67.70MUSDT0%2.14%2.56%
Aave-v3Arbitrum41.80MUSDC0%3.14%2.51%
Compound-v3Arbitrum5.13MUSDT0%2.5%2.35%
SaveSolana1.98MUSDT0%1.94%2.34%
CurrentSui1.10MUSDT2.87%6.95%2.25%
CurrentSui23.20MUSDC4.95%8.14%1.92%
Lista-lendingEthereum4.30MUSDC6.18%6.99%1.88%
Native-credit-poolEthereum1.14MUSDC0%4.46%1.82%
Midas-rwaEthereum74.92MUSDC0%3.47%1.7%
Midas-rwaEtherlink1.22MUSDC0%3.47%1.7%
Centrifuge-protocolPlume Mainnet20.69MUSDC0%1.09%1.32%
Native-credit-poolEthereum3.78MUSDT0%3%1.17%
Lista-lendingEthereum3.86MUSDT5.27%5.76%1.13%
ExactlyOP Mainnet1.56MUSDC0%1.07%1.07%
Venus-fluxBSC1.30MUSDT0%2.74%1.06%
Aave-v4Avalanche6.61MUSDC4.08%4.9%0.52%
Ember-protocolSui8.77MUSDC0%11.18%0.43%
TectonicCronos1.45MUSDC0.02%0.53%0.41%
Aave-v4Avalanche6.70MUSDT5.91%6.48%0.27%
AcrossEthereum1.12MUSDT2.92%3.33%0.2%
CredixSolana13.41MUSDC0%0.06%0.03%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum6116.7M4.37%
Avalanche7288.1M4.59%
Base17159.1M7.19%
BSC13117.3M5.12%
Ethereum733.6B6.37%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon211.6M3.45%
Solana16542M5.14%
TON12.7M3.76%
zkSync Era000%