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 3.77% on Jul 28 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
30/07/2026 20:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AzuroPolygon1.45MUSDT0%6.36%38.92%
AccountableMonad7.57MUSDC1.02%32.92%34.37%
AccountableMonad99.85MUSDC0.29%15.25%17.6%
AccountableEthereum3.61MUSDC11.26%18.36%16.58%
Ember-protocolSui1.21MUSDC0%9.2%14.03%
Ember-protocolEthereum5.01MUSDC0%4.78%13.65%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum7.66MUSDC0%12.9%12.9%
Midas-rwaEthereum1.99MUSDC0%10.11%12.07%
AccountableEthereum2.23MUSDC0%11.04%11.59%
Harvest-financeBase1.87MUSDC0%12.68%11.24%
Pareto-creditEthereum15.29MUSDC0%10.59%10.58%
Midas-rwaEthereum8MUSDC0%9.22%10.3%
GoldfinchEthereum35.95MUSDC0%10.11%10.21%
AvantisBase20.73MUSDC0%9.09%10.2%
Midas-rwaEthereum70.91MUSDC0%11.03%10.13%
YieldseekerBase2.04MUSDC0%8.56%9.88%
Ember-protocolEthereum3.25MUSDC0%9.3%9.54%
Nawa-protocolZIGChain3.82MUSDC0%2.65%9.47%
Midas-rwaEthereum37.30MUSDC0%10.48%9.38%
Pareto-creditEthereum2.14MUSDC0%9.38%9.38%
Ember-protocolSui5.52MUSDC0%8.97%9.31%
Bracket-vaultsEthereum2.59MUSDC0%9.41%9.3%
Ember-protocolSui1.08MUSDC0%9.79%8.89%
Ember-protocolSui1.08MUSDC0%9.79%8.89%
Midas-rwaEtherlink1.12MUSDC0%4.93%8.74%
Midas-rwaEthereum7.28MUSDC0%4.93%8.74%
Ember-protocolSui1.31MUSDC0%8.04%8.49%
Pareto-creditEthereum178.97MUSDC0%8.31%8.31%
Bitway-earnBSC23.43MUSDT0%8.01%8%
Ember-protocolSui8.03MUSDC4%12%8%
Midas-rwaEthereum2.50MUSDC0%7.82%7.97%
Midas-rwaEthereum6.66MUSDC0%7.83%7.97%
AccountableMonad10.07MUSDC0.5%9.8%7.67%
Midas-rwaEtherlink4.78MUSDC0%7.86%7.58%
Yearn-financeEthereum6.18MUSDC0%6.85%7.41%
AccountableMonad1.97MUSDC0.45%7.46%7.28%
Pareto-creditEthereum21.86MUSDC0%7.13%7.13%
Harmonix-financeHyperliquid L118.68MUSDC0%8.28%7.09%
Extra-finance-leverage-farmingBase3.32MUSDC0%6.52%7.03%
Blend-pools-v2Stellar12.93MUSDC0%7.44%7.02%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Zerobase-cedefiBSC20.52MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.03MUSDC2%8.76%6.76%
Ember-protocolEthereum16.94MUSDC0%6.94%6.75%
Ember-protocolSui1.19MUSDC4.61%11.84%6.51%
Yearn-financeEthereum1.18MUSDC0%5.31%6.43%
Yearn-financeEthereum9.28MUSDC0%5.95%6.38%
Hyperlend-pooledHyperliquid L111.01MUSDC0%7.28%5.99%
Harvest-financeEthereum1.15MUSDC0%6.33%5.96%
AutofinanceBase5.28MUSDC2.47%7.6%5.95%
Kamino-lendSolana5.94MUSDC0%6.8%5.92%
Fusion-by-iporEthereum2.30MUSDC0%5.92%5.86%
Storm-tradeTON3.47MUSDT0%5.8%5.7%
AutofinanceEthereum8.52MUSDC0.44%6.69%5.44%
Kamino-lendSolana2.33MUSDC0%4.71%5.43%
Fluid-lendingBase8.83MUSDC0%5.46%5.27%
SymbiosisTron1.27MUSDT0%6.05%5.12%
Navi-lendingSui6.68MUSDC0.42%5.65%5.06%
Fluid-lendingEthereum9.04MUSDC0%5.44%5.01%
Fluid-lendingEthereum149.17MUSDC0%5.49%5.01%
LoopscaleSolana1.49MUSDC0%5.73%4.95%
Yearn-financeBase1.75MUSDC0%4.98%4.92%
Lista-lendingBSC1.90MUSDT0.26%6.52%4.9%
Fluid-lendingEthereum130.13MUSDT0%4.87%4.82%
Gains-networkArbitrum6.31MUSDC0%6.12%4.78%
SymbiosisEthereum1.35MUSDC0%4.76%4.73%
Centrifuge-protocolBase50.26MUSDC0%4.11%4.73%
Centrifuge-protocolAvalanche260.63MUSDC0%4.12%4.73%
Centrifuge-protocolEthereum5.74MUSDC0%4.12%4.73%
Centrifuge-protocolBase1.54MUSDC0%4.12%4.73%
Yo-protocolBase9.85MUSDC0%4.15%4.58%
Yo-protocolEthereum2.28MUSDC0%4.15%4.58%
TermmaxBase1.20MUSDC0%3.93%4.52%
Alchemix-v3Ethereum7.74MUSDC0%4.45%4.47%
Flux-financeEthereum2.05MUSDT0%4.43%4.41%
Midas-rwaEthereum54.94MUSDC0%2.94%4.35%
Midas-rwaEtherlink1.22MUSDC0%2.95%4.35%
ExactlyOP Mainnet1.60MUSDC0%4.28%4.34%
MapleEthereum898.29MUSDT0%4.17%4.32%
ExactlyOP Mainnet1.60MUSDC0%4.22%4.27%
Lista-lendingBSC6.09MUSDT0%4.92%4.25%
ExactlyOP Mainnet1.60MUSDC0%4.12%4.21%
ExactlyOP Mainnet1.60MUSDC0%4.14%4.18%
ExactlyOP Mainnet1.60MUSDC0%4.2%4.18%
ExactlyOP Mainnet1.60MUSDC0%3.98%4.12%
Euler-v2Monad1.69MUSDC2.63%8.34%4.08%
ExactlyOP Mainnet1.60MUSDC0%4.02%4.08%
Centrifuge-protocolPharos4.38MUSDC0%3.39%4.06%
Centrifuge-protocolMonad4.53MUSDC0%3.83%4.06%
ExactlyOP Mainnet1.60MUSDC0%3.93%4.04%
Jupiter-lendSolana434.70MUSDC0.69%4.74%4%
Benqi-lendingAvalanche4.30MUSDC0%3.83%3.98%
Aave-v3Avalanche5.35MUSDC0%3.53%3.97%
Fluid-lendingArbitrum42.20MUSDC0%5.48%3.81%
DolomiteArbitrum1.66MUSDC0%4.71%3.81%
Moonwell-lendingBase2.67MUSDC0.3%4.59%3.8%
TermmaxEthereum4.40MUSDC0%3.63%3.78%
Midas-rwaEthereum4.55MUSDC0%6.49%3.78%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum457.8M4.85%
Avalanche3270.3M4.23%
Base12109.3M6.4%
BSC554M6.13%
Ethereum381.7B7.66%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.5M38.92%
Solana4444.5M5.08%
TON13.5M5.7%
zkSync Era000%