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 3.73% on Jul 20 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
22/07/2026 20:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableMonad6.06MUSDC1.44%39.51%31.04%
AccountableMonad87.22MUSDC0.21%13.67%17.6%
AzuroPolygon1.28MUSDT0%7.63%15.8%
Ember-protocolSui5.76MUSDC0%6.18%15.31%
Harvest-financeBase1.87MUSDC0%12.92%13.64%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum8.27MUSDC0%12.89%12.9%
AccountableEthereum2.15MUSDC0%10.95%11.66%
Pareto-creditEthereum15.17MUSDC0%10.59%10.59%
Midas-rwaEthereum49.32MUSDC0%10.56%10.57%
Midas-rwaMonad1.86MUSDC0%10.56%10.57%
Midas-rwaEthereum67.87MUSDC0%12.1%10.48%
Hyperlend-pooledHyperliquid L19.09MUSDC0%6.96%10.32%
Ember-protocolSui1.09MUSDC0%9.81%10.2%
AccountableMonad5.91MUSDC0.45%10.48%10%
GoldfinchEthereum36.72MUSDC0%10.09%10%
AccountableEthereum3.51MUSDC11.54%16.28%9.8%
Midas-rwaEthereum6.97MUSDC0%8.85%9.71%
AccountableMonad10.06MUSDC0.48%9.79%9.69%
Ember-protocolSui1.21MUSDC0%9.73%9.5%
Pareto-creditEthereum2.13MUSDC0%9.38%9.38%
Bracket-vaultsEthereum2.65MUSDC0%9.54%9.31%
Ember-protocolEthereum3.30MUSDC0%9.03%8.71%
Ember-protocolSui4.36MUSDC0%8.91%8.67%
Blend-pools-v2Stellar11.07MUSDC0%7.26%8.55%
Compound-v3Ethereum27.87MUSDC0.11%3.49%8.4%
Pareto-creditEthereum165.29MUSDC0%8.31%8.31%
AvantisBase21.48MUSDC0%9.57%8.1%
Midas-rwaEthereum6.65MUSDC0%7.86%8.09%
Midas-rwaEthereum2.50MUSDC0%7.85%8.09%
Bitway-earnBSC23.41MUSDT0%8.55%8%
Ember-protocolSui7MUSDC4%12%8%
Harmonix-financeHyperliquid L120.09MUSDC0%8.83%7.86%
Midas-rwaEthereum4.54MUSDC0%6.53%7.82%
Midas-rwaEthereum1.98MUSDC0%10.2%7.76%
Midas-rwaEtherlink4.76MUSDC0%7.59%7.63%
Yearn-financeEthereum6.17MUSDC0%6.2%7.41%
Pareto-creditEthereum21.81MUSDC0%7.13%7.13%
AccountableMonad1.83MUSDC0.5%7.39%7.03%
Gami-labsStellar16.92MUSDC0%7%7%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
Euler-v2Monad2.12MUSDC2.63%6.67%6.99%
Ember-protocolEthereum16.92MUSDC0%7.8%6.81%
Ember-protocolSui1.09MUSDC5.22%11.6%6.78%
Ember-protocolSui1.09MUSDC5.22%11.6%6.78%
Zerobase-cedefiBSC21.49MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.01MUSDC2%8.76%6.76%
AutofinanceEthereum8.71MUSDC0.43%6.67%6.64%
Ember-protocolSui1.35MUSDC0%8.21%6.61%
Gains-networkArbitrum6.57MUSDC0%5.79%6.52%
LoopscaleSolana2.94MUSDC0.22%7.62%6.51%
Extra-finance-leverage-farmingBase3.52MUSDC0%6.27%6.23%
YieldseekerBase1.96MUSDC0%8.35%6.16%
Yearn-financeEthereum9.16MUSDC0%6.01%6.14%
Kamino-lendSolana5.66MUSDC0%7%6.03%
Yearn-financeEthereum1.18MUSDC0%4.87%6.02%
Harvest-financeEthereum1.17MUSDC0%7.76%5.96%
Storm-tradeTON3.59MUSDT0%5.88%5.78%
Lista-lendingBSC6.12MUSDT0%4.8%5.55%
AutofinanceBase5.77MUSDC2.31%7.25%5.51%
Centrifuge-protocolPlume Mainnet33MUSDC0%5.18%5.51%
Centrifuge-protocolMonad10.04MUSDC0%5.35%5.51%
Fusion-by-iporEthereum2.70MUSDC0%6.18%5.33%
Fluid-lendingEthereum136.38MUSDT0%5.56%5.3%
Fluid-lendingEthereum140.71MUSDC0%5.93%5.28%
Fluid-lendingEthereum9.08MUSDC0%5.67%5.28%
Lista-lendingBSC1.95MUSDT0.54%6.54%5.17%
LoopscaleSolana1.32MUSDC0%5.96%5.06%
Navi-lendingSui6.74MUSDC0.46%5.71%5.05%
Yearn-financeBase1.77MUSDC0%4.96%4.97%
Fluid-lendingBase8.61MUSDC0%5.43%4.95%
Fluid-lendingArbitrum35.41MUSDC0%5.72%4.91%
SymbiosisTron1.42MUSDT0%6.09%4.86%
AmpleBase4.31MUSDC0%4.38%4.79%
Aave-v3Ethereum8.22MDAI0%4.31%4.72%
Kamino-lendSolana4.65MUSDC0%4.74%4.71%
Euler-v2Ethereum8.14MUSDC0%3.41%4.46%
Flux-financeEthereum2.05MUSDT0%4.44%4.41%
DolomiteArbitrum1.39MUSDC0%4.6%4.35%
ExactlyOP Mainnet1.76MUSDC0%4.23%4.33%
MapleEthereum897.19MUSDT0%4.08%4.33%
Yo-protocolBase9.98MUSDC0%4.11%4.31%
Yo-protocolEthereum2.38MUSDC0%4.11%4.31%
Native-credit-poolBSC5.01MUSDT0%3.97%4.31%
ExactlyOP Mainnet1.76MUSDC0%4.19%4.26%
ExactlyOP Mainnet1.76MUSDC0%4.15%4.24%
Native-credit-poolEthereum5.99MUSDC0%3.71%4.19%
ExactlyOP Mainnet1.76MUSDC0%4.06%4.19%
ExactlyOP Mainnet1.76MUSDC0%4.11%4.17%
Centrifuge-protocolEthereum5.74MUSDC0%3.49%4.15%
Centrifuge-protocolBase2.23MUSDC0%3.5%4.15%
Centrifuge-protocolAvalanche260.39MUSDC0%3.5%4.1%
Centrifuge-protocolBase50.21MUSDC0%3.5%4.1%
ExactlyOP Mainnet1.76MUSDC0%3.89%4.09%
ExactlyOP Mainnet1.76MUSDC0%3.99%4.05%
ExactlyOP Mainnet1.76MUSDC0%3.62%3.99%
Kamino-lendSolana16.07MUSDC0%4.45%3.89%
Kamino-lendSolana1.79MUSDC0%4.44%3.89%
TermmaxBase1.20MUSDC0%3.87%3.88%
TermmaxEthereum4.39MUSDC0%3.45%3.86%
Benqi-lendingAvalanche4.51MUSDC0%3.8%3.85%
ExactlyOP Mainnet1.76MUSDC0%3.94%3.8%
Ember-protocolSui1.19MUSDC0%3.18%3.74%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum451M5.69%
Avalanche2264.9M3.98%
Base12112.9M5.9%
BSC660M6.09%
Ethereum371.7B7.31%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.3M15.8%
Solana632.4M5.02%
TON13.6M5.78%
zkSync Era000%