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 3.60% on Feb 13 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
18/02/2026 21:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Euler-v2Avalanche2.95MUSDT0%31.01%31.01%
Bracket-vaultsEthereum3.28MUSDC0%14.71%13.95%
Blend-pools-v2Stellar1.39MUSDC0.73%13.7%13.53%
Blend-pools-v2Stellar6.40MUSDC0%11.15%12.3%
AvantisBase88.95MUSDC0%11.32%12.1%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
AbyssSui1.16MUSDC0%4.77%7.77%
Ipor-fusionEthereum3.92MUSDT0%6.94%7.1%
Woofi-earnArbitrum1.20MUSDC0%7.11%7.06%
Harvest-financeBase4.20MUSDC0%6.41%6.64%
DeltaprimeAvalanche1.31MUSDC0%6.49%6.46%
Hyperlend-pooledHyperliquid L111.67MUSDC0%5.95%6.33%
AutofinanceEthereum18.96MUSDC0.33%8.37%6.24%
LoopscaleSolana2.46MUSDC1.27%7.49%6.14%
WasabiSolana1.69MUSDC0%7.73%6.03%
Euler-v2Avalanche1.19MUSDC0%5.83%5.83%
Euler-v2Avalanche6.61MUSDC0%5.48%5.79%
Euler-v2Avalanche1.30MUSDC0%7.7%5.79%
SymbiosisEthereum1.18MUSDC0%5.94%5.58%
Harmonix-financeArbitrum1.17MUSDC0%5.46%5.53%
Yo-protocolBase29.09MUSDC14%16.22%5.48%
Scallop-lendSui1.47MUSDC0%5.47%5.44%
Yearn-financeEthereum3.99MUSDC0%5.75%5.39%
AutofinanceEthereum5.01MUSDC0%5.67%5.31%
Ipor-fusionBase1.70MUSDC0%6.81%5.12%
Gains-networkArbitrum12.38MUSDC0%10.51%5.05%
WasabiBase6.60MUSDC0%6.46%4.96%
LoopscaleSolana1.24MUSDC2.14%7.58%4.88%
Extra-finance-leverage-farmingBase3.99MUSDC0%5.23%4.83%
Yearn-financeEthereum7.36MUSDT0%4.58%4.82%
Gains-networkBase2.08MUSDC0%8.91%4.76%
NeverlandMonad4MUSDC6.2%12.95%4.71%
AutofinanceBase17.88MUSDC1.61%7.1%4.71%
Echelon-marketAptos8.18MUSDC0%4.87%4.69%
SymbiosisTron1.27MUSDT0%4.87%4.65%
Flux-financeEthereum1.61MUSDT0%4.61%4.63%
AutofinanceArbitrum1.34MUSDC1.81%6.35%4.45%
LiqwidCardano2.65MUSDC1.58%10.86%4.45%
Navi-lendingSui8.50MUSDC0.65%5.1%4.44%
Euler-v2Ethereum40.19MUSDC0%4.94%4.35%
Euler-v2Arbitrum1.09MUSDC0%6.27%4.32%
Euler-v2Arbitrum1.09MUSDC0%6.27%4.32%
ExactlyOptimism1.68MUSDC0%4.22%4.24%
Flux-financeEthereum1.44MUSDC0%4.17%4.19%
ExactlyOptimism1.68MUSDC0%3.81%4.14%
ExactlyOptimism1.68MUSDC0%4.06%4.11%
ExactlyOptimism1.68MUSDC0%4.22%4.1%
ExactlyOptimism1.68MUSDC0%4.37%4.1%
MapleEthereum1.36BUSDT0%4.5%4.06%
ExactlyOptimism1.68MUSDC0%3.99%4.04%
Spark-savingsEthereum221.93MUSDC0%4%4%
Spark-savingsAvalanche145.66MUSDC0%4%4%
Euler-v2Ethereum25.46MUSDC0%4.68%3.95%
ExactlyOptimism1.68MUSDC0%3.86%3.94%
DolomiteEthereum16.17MUSDC0%4.54%3.93%
Folks-finance-lendingAlgorand1.89MUSDC0%4.19%3.91%
Yearn-financeEthereum1.11MUSDC0%4.24%3.89%
Yearn-financeEthereum7.34MUSDT0%4.24%3.89%
Yearn-financeEthereum12.67MDAI0%4.42%3.82%
Euler-v2Arbitrum1.37MUSDC0%6.64%3.75%
Folks-finance-xchainPolygon2.44MUSDT0%4.11%3.75%
ExactlyOptimism1.68MUSDC0%2.98%3.68%
ExactlyOptimism1.68MUSDC0%3.86%3.63%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum719.6M4.93%
Avalanche6159M9.81%
Base8154.5M6.08%
BSC000%
Ethereum181.8B5.51%
Hyperliquid000%
Mantle000%
Optimism915.1M4%
Polygon12.4M3.75%
Solana35.4M5.68%
TON000%
zkSync Era000%