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 3.57% on Jan 16 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
21/01/2026 01:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum4.71MUSDC0%38.44%32.97%
Hatom-lendingMultiversX1.36MUSDC0.29%19.33%18.21%
Storm-tradeTon6MUSDT0%6.84%16.39%
Bracket-vaultsEthereum8.06MUSDC0%16.02%15.37%
Blend-pools-v2Stellar1.27MUSDC0.89%15.09%13.54%
FranciumSolana2.44MUSDC0%13.15%13.15%
Blend-pools-v2Stellar5.69MUSDC0%13.29%12.16%
Gains-networkBase2.02MUSDC0%8.43%12.13%
AvantisBase101.19MUSDC0%10.77%11.94%
LiqwidCardano2.23MUSDC1.58%11.86%11.01%
GoldfinchEthereum37.74MUSDC0%10.01%10.01%
Ipor-fusionBase1.92MUSDC0%7.32%9.24%
AutofinanceEthereum12.04MUSDC0.6%8.17%9.02%
LoopscaleSolana1.50MUSDC0.82%9.73%8.29%
Euler-v2Avalanche2.01MUSDC0%8.72%8.14%
Ipor-fusionEthereum5.63MUSDT0%7.06%8.04%
Yo-protocolBase26.44MUSDC0%7.01%7.73%
WasabiBase10.95MUSDC0%8.68%7.32%
WasabiSolana1.51MUSDC0%11.91%7.18%
Gains-networkArbitrum13.18MUSDC0%8.07%7.08%
Woofi-earnArbitrum1.19MUSDC0%7.48%7.05%
DeltaprimeAvalanche1.87MUSDC0%7.59%6.88%
LoopscaleSolana12.90MUSDC0%6.44%6.45%
Extra-finance-leverage-farmingBase6.45MUSDC0.12%6.93%6.2%
Harvest-financeEthereum1.08MUSDC0%5.11%5.95%
Scallop-lendSui1.76MUSDC0%5.73%5.85%
AutofinanceBase23.97MUSDC2.02%8.36%5.84%
Harvest-financeBase1.28MUSDC0%6.22%5.68%
Harvest-financeBase3.35MUSDC0%6.65%5.37%
Harvest-financeBase1.74MUSDC0%5.36%5.18%
MapleEthereum1.62BUSDT0%5.19%5.1%
Harmonix-financeArbitrum1.51MUSDC0%4.95%5.04%
Yearn-financeEthereum20.82MUSDC0%4.55%4.65%
Yearn-financeBase2.35MUSDC0%5.14%4.61%
Flux-financeEthereum1.65MUSDT0%4.61%4.59%
Ipor-fusionBase1.74MUSDC0%5.14%4.59%
Benqi-lendingAvalanche1.95MUSDT0%4.44%4.57%
Euler-v2Ethereum25.55MUSDC0%4.67%4.55%
Benqi-lendingAvalanche6.83MUSDC0%4.77%4.55%
Euler-v2Ethereum31.34MUSDC0%4.69%4.55%
Navi-lendingSui16.56MUSDC0.79%5.56%4.54%
Echelon-marketAptos16.11MUSDC0%4.71%4.53%
Yearn-financeEthereum1.08MUSDC0%4.5%4.51%
Folks-finance-lendingAlgorand1.74MUSDC0%4.19%4.43%
GearboxMonad4.29MUSDC3.15%8.84%4.43%
AutofinanceArbitrum1.74MUSDC2.42%8.21%4.42%
ExactlyOptimism1.74MUSDC0%4.42%4.4%
Yearn-financeEthereum6.32MUSDT0%4.69%4.3%
Yearn-financeEthereum14.33MDAI0%4.28%4.29%
Folks-finance-xchainPolygon1.10MUSDT4.67%5.86%4.2%
ExactlyOptimism1.74MUSDC0%4.18%4.2%
ExactlyOptimism1.74MUSDC0%4.17%4.19%
Yearn-financeEthereum32.77MUSDC0%4.29%4.14%
Flux-financeEthereum1.58MUSDC0%4.13%4.13%
ExactlyOptimism1.74MUSDC0%4.36%4.11%
Euler-v2Ethereum1.91MUSDC0%3.71%4.09%
Harvest-financeBase1.14MUSDC0%5.26%4.08%
Hyperlend-pooledHyperliquid12.58MUSDC0%5.16%4.07%
Yearn-financeEthereum8.08MUSDT0%4.42%4.06%
Aave-v3Ethereum494.02MUSDT0%2.71%4.05%
DolomiteArbitrum3.48MUSDC0%4.51%4.02%
ExactlyOptimism1.74MUSDC0%3.96%4%
Spark-savingsEthereum173.60MUSDC0%4%4%
Spark-savingsAvalanche214.15MUSDC0%4%4%
Spark-savingsEthereum159.68MUSDT0%4%4%
Yearn-financeEthereum10.82MDAI0%3.02%4%
Aave-v3Avalanche13.55MUSDC0%3.66%3.96%
VesperEthereum2.56MUSDC0%3.94%3.96%
ExactlyOptimism1.74MUSDC0%3.88%3.93%
SparklendEthereum7.60MUSDC0%3.95%3.88%
ExactlyOptimism1.74MUSDC0%3.8%3.85%
DolomiteEthereum15.69MUSDC0%2.96%3.83%
Kamino-lendSolana32.10MUSDC0%2.63%3.77%
ExactlyOptimism1.74MUSDC0%3.64%3.76%
Aave-v3Ethereum1.07MUSDC0%3.34%3.74%
Aave-v3Ethereum1.07MUSDC0%3.34%3.74%
SparklendEthereum44.55MUSDT0%3.43%3.73%
Yearn-financeEthereum1.10MUSDC0%4.01%3.62%
ExactlyOptimism1.74MUSDC0%3.32%3.61%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum521.1M5.52%
Avalanche6240.4M5.35%
Base13184.6M6.92%
BSC000%
Ethereum292.8B6.1%
Hyperliquid112.6M4.07%
Mantle000%
Optimism915.6M4.01%
Polygon11.1M4.2%
Solana550.4M7.77%
TON16M16.39%
zkSync Era000%