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 3.81% on Jul 23 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
27/07/2026 20:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableMonad7.55MUSDC0.14%34.41%28.5%
AccountableMonad99.77MUSDC0%14.68%17.6%
AccountableEthereum3.51MUSDC11.55%17.95%15.66%
AccountableEthereum1.05MUSDC0%14.25%14.25%
AccountableEthereum1.05MUSDC0%14.25%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum7.84MUSDC0%12.96%12.9%
Midas-rwaEthereum1.98MUSDC0%9.79%12.07%
AccountableEthereum2.23MUSDC0%11.26%11.59%
Harvest-financeBase1.87MUSDC0%12.68%11.53%
AzuroPolygon1.28MUSDT0%3.95%10.99%
Midas-rwaEthereum43.29MUSDC0%10.57%10.66%
Midas-rwaMonad1.12MUSDC0%10.57%10.66%
Midas-rwaEthereum7.98MUSDC0%9.07%10.64%
Pareto-creditEthereum15.17MUSDC0%10.59%10.59%
Ember-protocolSui1.08MUSDC0%9.86%10.29%
Euler-v2Monad1.64MUSDC2.63%7.71%10.22%
GoldfinchEthereum35.95MUSDC0%10.1%10.21%
Midas-rwaEthereum70.60MUSDC0%11.61%10.21%
Ember-protocolSui1.21MUSDC0%8.66%9.89%
Midas-rwaEthereum7.27MUSDC0%4.13%9.44%
Midas-rwaEtherlink1.12MUSDC0%4.11%9.44%
Pareto-creditEthereum2.14MUSDC0%9.38%9.38%
Bracket-vaultsEthereum2.59MUSDC0%9.45%9.3%
YieldseekerBase2.04MUSDC0%8.49%9.17%
Ember-protocolEthereum3.23MUSDC0%9.18%9.14%
Ember-protocolSui5.36MUSDC0%8.93%8.86%
Ember-protocolSui1.31MUSDC0%8.27%8.38%
AvantisBase20.79MUSDC0%9.18%8.34%
Pareto-creditEthereum170.70MUSDC0%8.31%8.31%
AccountableMonad10.08MUSDC0%9.91%8.27%
Blend-pools-v2Stellar11.49MUSDC0%7.46%8.02%
Bitway-earnBSC23.39MUSDT0%8.21%8%
Ember-protocolSui7.92MUSDC4%12%8%
Ember-protocolEthereum3.95MUSDC0%2.23%7.85%
Midas-rwaEthereum4.54MUSDC0%6.71%7.82%
Yearn-financeEthereum6.18MUSDC0%6.62%7.81%
Midas-rwaEthereum2.50MUSDC0%7.83%7.7%
Midas-rwaEthereum6.66MUSDC0%7.84%7.69%
Midas-rwaEtherlink4.78MUSDC0%7.81%7.58%
Harmonix-financeHyperliquid L119.26MUSDC0%8.47%7.54%
AccountableMonad2.45MUSDC0%7.46%7.28%
Pareto-creditEthereum21.87MUSDC0%7.13%7.13%
VesperEthereum1.20MUSDC0%1.6%7.08%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
Harvest-financeEthereum1.16MUSDC0%6.9%6.97%
LoopscaleSolana2.05MUSDC0.23%7.44%6.88%
Zerobase-cedefiBSC20.81MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.05MUSDC2%8.76%6.76%
Kamino-lendSolana3.89MUSDC0%6.88%6.71%
Ember-protocolEthereum16.93MUSDC0%7.1%6.7%
Extra-finance-leverage-farmingBase3.47MUSDC0%6.42%6.69%
Yearn-financeEthereum9.35MUSDC0%6.03%6.29%
Fusion-by-iporEthereum2.61MUSDC0%5.89%6.29%
Yearn-financeEthereum1.18MUSDC0%5.19%6.27%
SymbiosisTron1.25MUSDT0%6.07%6.22%
AutofinanceBase5.27MUSDC2.5%7.47%6.02%
Ember-protocolSui1.19MUSDC6.84%11.9%5.93%
Hyperlend-pooledHyperliquid L112.58MUSDC0%7.04%5.79%
Storm-tradeTON3.59MUSDT0%5.83%5.74%
Euler-v2Ethereum7.45MUSDC0%3.74%5.71%
Ember-protocolSui5.68MUSDC0%6.87%5.67%
Fluid-lendingArbitrum35.33MUSDC0%5.59%5.67%
Gains-networkArbitrum6.31MUSDC0%6.19%5.67%
AutofinanceEthereum8.57MUSDC0.42%6.79%5.66%
Fluid-lendingEthereum141.20MUSDC0%5.68%5.62%
Fluid-lendingEthereum9.07MUSDC0%5.56%5.62%
Fluid-lendingBase8.81MUSDC0%5.43%5.34%
SparklendEthereum15.71MUSDT0%3.65%5.32%
Navi-lendingSui6.02MUSDC0.43%5.68%5.25%
Centrifuge-protocolAvalanche260.56MUSDC0%3.78%5.17%
Centrifuge-protocolBase50.25MUSDC0%3.78%5.17%
Centrifuge-protocolEthereum5.96MUSDC0%3.77%5.16%
Centrifuge-protocolBase1.80MUSDC0%3.77%5.16%
SymbiosisEthereum1.25MUSDC0%4.93%5.15%
LoopscaleSolana1.47MUSDC0%5.81%4.97%
Yearn-financeBase1.77MUSDC0%4.98%4.93%
DolomiteArbitrum1.16MUSDC0%4.74%4.86%
Jupiter-lendSolana415.12MUSDC0.73%4.76%4.85%
Lista-lendingBSC1.91MUSDT0.26%6.69%4.8%
Yo-protocolBase9.90MUSDC0%4.12%4.52%
Yo-protocolEthereum2.38MUSDC0%4.12%4.52%
Flux-financeEthereum2.05MUSDT0%4.44%4.41%
Fluid-lendingEthereum136.04MUSDT0%5.16%4.39%
MapleEthereum895.88MUSDT0%4.13%4.36%
ExactlyOP Mainnet1.64MUSDC0%4.26%4.34%
Lista-lendingBSC6.17MUSDT0%4.97%4.31%
ExactlyOP Mainnet1.64MUSDC0%4.21%4.26%
ExactlyOP Mainnet1.64MUSDC0%4.18%4.25%
Kamino-lendSolana7.09MUSDC0%4.75%4.24%
Moonwell-lendingBase1.87MUSDC0.33%4.66%4.23%
ExactlyOP Mainnet1.64MUSDC0%4.1%4.2%
ExactlyOP Mainnet1.64MUSDC0%4.12%4.17%
ExactlyOP Mainnet1.64MUSDC0%3.95%4.1%
TermmaxEthereum4.40MUSDC0%3.6%4.08%
ExactlyOP Mainnet1.64MUSDC0%4.01%4.07%
ExactlyOP Mainnet1.64MUSDC0%3.84%4.05%
Kamino-lendSolana1.12MUSDT0%3.6%3.93%
TermmaxBase1.20MUSDC0%3.91%3.91%
Benqi-lendingAvalanche4.61MUSDC0%3.79%3.82%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum450.4M5.8%
Avalanche2265.2M4.49%
Base12109M6.25%
BSC554.3M6.13%
Ethereum411.7B8.08%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.3M10.99%
Solana6430.7M5.27%
TON13.6M5.74%
zkSync Era000%