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 % on ). 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
09/10/2026 22:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Neutral-tradeSolana2.26MUSDC0%48.45%48.32%
AccountableMonad1.14MUSDC0%21.34%46.27%
Neutral-tradeSolana1.40MUSDC0%68.44%32.28%
Ember-protocolSui8.71MUSDC0%9.27%27.42%
Harvest-financeBase1.82MUSDC0%50.09%24.78%
EnsuroEthereum1.29MUSDC0%21.41%18.57%
VerantaBase9.60MUSDC0%19.45%17.74%
Ember-protocolEthereum5.75MUSDC0%10.8%14.35%
AccountableEthereum1.05MUSDC0.75%14.84%14.25%
AccountableMonad7.50MUSDC0.9%16.44%13.82%
Vectis-financeEthereum1.25MUSDC0%11.09%13.53%
AccountableEthereum1.25MUSDC0%14.61%13.23%
AccountableEthereum2.33MUSDC11.91%36.76%13.08%
Ember-protocolEthereum1.64MUSDC0%12.1%12.93%
AccountableEthereum3.40MUSDC0%10.96%12.82%
AccountableEthereum11.06MUSDC0%12.37%12.13%
AccountableMonad5.44MUSDC0.46%12.1%11.64%
Neutral-tradeSolana4.26MUSDC0%13.43%10.85%
Pareto-creditEthereum11.09MUSDC0%10.59%10.59%
AccountableMonad74.97MUSDC0.31%11.62%10.5%
Midas-rwaEthereum26.36MUSDC0%8.95%10.21%
Ember-protocolSui9.94MUSDC0%10.13%10.16%
AguaEthereum7.99MUSDC0%10%10%
Neutral-tradeSolana2.44MUSDC0%12.79%9.74%
Benqi-lendingAvalanche1.31MUSDC0%6.49%9.71%
Pareto-creditEthereum1.98MUSDC0%9.38%9.38%
Nawa-protocolZIGChain3.45MUSDC0%10.04%9.33%
Centrifuge-protocolEthereum2.68MUSDT0%4.92%8.83%
Rhea-lendNear1.91MUSDT0%8.39%8.75%
Midas-rwaEthereum31.29MUSDC0%7.21%8.38%
Pareto-creditEthereum127.24MUSDC0%7.88%8.06%
Bitway-earnBSC23.33MUSDT0%8%8%
Ember-protocolSui8.89MUSDC4%12%8%
Rhea-lendNear1.88MUSDC0%7.62%7.98%
Coinmerce-capitalHyperliquid L11.74MUSDC0%5.39%7.64%
Sentora-curatorEthereum95.72MUSDC0%7.41%7.64%
Midas-rwaEthereum65.77MUSDC0%7.54%7.6%
Midas-rwaEthereum6.62MUSDC0%6.72%7.51%
Bitway-earnBSC2.14MUSDT0%7.5%7.5%
Neutral-tradeSolana1.39MUSDC0%8.87%7.47%
Aave-v3Avalanche4.09MUSDC0%5.34%7.29%
AccountableMonad2.16MUSDC0.5%7.41%7.28%
Ember-protocolEthereum2.63MUSDC0%12.97%7.18%
Zerobase-cedefiEthereum14.06MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.61MUSDT2%9%7%
Yearn-financeEthereum7.61MUSDC0%6.88%6.94%
Extra-finance-leverage-farmingBase3.38MUSDC0%6.41%6.89%
Yearn-financeEthereum12.03MUSDC0%6.69%6.85%
Zerobase-cedefiBSC16.75MUSDT2%8.76%6.76%
Midas-rwaEthereum3.91MUSDC0%7.2%6.76%
Midas-rwaEthereum2.52MUSDC0%7.19%6.76%
Zerobase-cedefiBSC1.93MUSDC2%8.76%6.76%
Kamino-lendSolana5.13MUSDC0%6.57%6.75%
Blend-pools-v2Stellar11.43MUSDC0%7.43%6.67%
Loopscale-lendingSolana1.15MUSDC0.12%6.93%6.67%
Vectis-financeSolana3.22MUSDC0%6.71%6.62%
Pareto-creditEthereum22.09MUSDC0%6.62%6.62%
Euler-v2Monad5.79MUSDC1.25%7.63%6.56%
Kamino-lendSolana1.65MUSDC0%5.04%6.54%
Harvest-financeBase1.20MUSDC0%7.18%6.45%
Fluid-lendingEthereum138.78MUSDC0%4.58%6.34%
Centrifuge-protocolAvalanche262.83MUSDC0%3.75%6.28%
Centrifuge-protocolBase22.74MUSDC0%3.75%6.28%
Centrifuge-protocolBSC1.02MUSDC0%3.74%6.28%
Centrifuge-protocolEthereum9.31MUSDC0%3.7%6.28%
Midas-rwaBase51.54MUSDC0%3.5%6.2%
Midas-rwaRobinhood Chain36.04MUSDC0%3.56%6.2%
Midas-rwaEthereum34.06MUSDC0%6.53%6.1%
Fluid-lendingArbitrum55.28MUSDC0%4.6%6.04%
Lista-lendingBSC1.16MUSDT0%6.14%5.99%
Harmonix-financeHyperliquid L115.83MUSDC0%6.51%5.98%
Midas-rwaEtherlink4.95MUSDC0%4.95%5.87%
Harvest-financeEthereum1.16MUSDC0%6.18%5.85%
AutofinanceEthereum7.63MUSDC0.93%6.24%5.62%
AccountableMonad6.68MUSDC0.5%5.67%5.54%
MapleEthereum682.41MUSDT0%4.99%5.53%
Ember-protocolEthereum3.70MUSDC0%9.59%5.36%
Alchemix-v3Ethereum7.81MUSDC0%5.33%5.29%
SymbioticEthereum1.01MUSDC0%6.2%5.26%
SymbioticEthereum1.01MUSDC0%6.2%5.26%
Jupiter-lendSolana496.60MUSDC0.36%4.24%5.22%
Fusion-by-iporEthereum1.28MUSDC0%6.16%5.22%
Kamino-lendSolana1.60MUSDC0%5.17%4.97%
SymbiosisEthereum1.17MUSDC0%4.57%4.88%
Yearn-financeBase1.61MUSDC0%4.89%4.86%
Navi-lendingSui9.37MUSDC0.58%5.25%4.81%
Aave-v3Monad13.44MUSDC1.06%6.11%4.73%
Storm-tradeTON2.71MUSDT0%4.97%4.72%
Fusion-by-iporBase2.87MUSDC0%5.39%4.7%
Midas-rwaEthereum1.72MUSDC0%8.63%4.53%
Gains-networkArbitrum4.28MUSDC0%36.17%4.53%
Yo-protocolBase7.87MUSDC0%4.3%4.5%
Yo-protocolEthereum1.35MUSDC0%4.3%4.5%
Kamino-lendSolana10.28MUSDC0%4.76%4.48%
Kamino-lendSolana1.39MUSDC0%4.38%4.48%
Flux-financeEthereum1.95MUSDT0%4.44%4.44%
Compound-v3Ethereum36.85MUSDC0%4.55%4.38%
ExactlyOP Mainnet1.63MUSDC0%4.34%4.34%
ExactlyOP Mainnet1.63MUSDC0%4.38%4.33%
Aave-v3Ethereum134.56MUSDC0%4.25%4.31%
Aave-v3Ethereum59.41MUSDC1.64%5.81%4.31%
ExactlyOP Mainnet1.63MUSDC0%4.29%4.3%
CurvanceMonad3.13MUSDC1.8%6.07%4.28%
ExactlyOP Mainnet1.63MUSDC0%4.32%4.27%
Fluid-lendingBase12.89MUSDC3.46%6.85%4.25%
Yearn-financeEthereum2.39MUSDC0%4.08%4.24%
ExactlyOP Mainnet1.63MUSDC0%4.21%4.24%
Ember-protocolEthereum17.77MUSDC0%11.21%4.22%
ExactlyOP Mainnet1.63MUSDC0%4.17%4.21%
TydroInk17.58MUSDC0%4.1%4.2%
Flux-financeEthereum1.60MUSDC0%4.1%4.14%
AutofinanceBase3.66MUSDC4.69%10.35%4.12%
Fluid-lendingEthereum129.82MUSDT0%4.54%4.11%
Aave-v3Base17.55MUSDC0%3.81%4.11%
Aave-v4Ethereum2.70MUSDC0%4.91%4.08%
ExactlyOP Mainnet1.63MUSDC0%4.01%4.05%
ExactlyOP Mainnet1.63MUSDC0%1.95%4.02%
Fusion-by-iporBase1.20MUSDC1.94%6.55%4%
Spectra-metavaultsBase3.03MUSDC0%2.95%3.99%
Gami-labsBase3.03MUSDC0%2.95%3.99%
ExactlyOP Mainnet1.63MUSDC0%3.13%3.85%
Spark-savingsEthereum313.32MUSDC0%3.61%3.8%
Spark-savingsAvalanche2.61MUSDC0%3.61%3.8%
Midas-rwaEthereum6.44MUSDC0%3.52%3.77%
Midas-rwaEtherlink1.13MUSDC0%3.49%3.77%
Spark-savingsEthereum616.43MUSDT0%3.53%3.75%
Hyperlend-pooledHyperliquid L17.41MUSDC0%4.57%3.74%
Midas-rwaEthereum74.91MUSDC0%3.43%3.73%
Midas-rwaEtherlink1.22MUSDC0%3.43%3.73%
Yearn-financeEthereum1.12MUSDC0%3.44%3.73%
Venus-core-poolBSC8.39MUSDC0%3.71%3.72%
Yearn-financeEthereum19.32MUSDC0%3.68%3.63%
Centrifuge-protocolBase7.15MUSDC0%3.99%3.63%
Centrifuge-protocolPharos4.56MUSDC0%3.48%3.63%
Centrifuge-protocolBSC1.01MUSDC0%3.48%3.63%
Aave-v4Ethereum2.19MUSDT0%4.25%3.63%
ExactlyOP Mainnet1.63MUSDC0%4.14%3.58%
SparklendEthereum4.60MUSDC0%3.4%3.56%
Aave-v3Ethereum221.95MUSDT0%3.86%3.55%
Aave-v3Ethereum64.13MUSDT1.59%5.38%3.55%
Lista-lendingBSC2.89MUSDT0%3.79%3.48%
Venus-core-poolBSC41.77MUSDT0%3.09%3.47%
Jupiter-lendSolana18.22MUSDT0%3.78%3.46%
SparklendEthereum16.28MUSDT0%3.4%3.41%
Aave-v3Ethereum11.82MDAI0%3.19%3.36%
DolomiteEthereum28.94MUSDC4.04%7.32%3.33%
Benqi-lendingAvalanche1.08MUSDT0%3.45%3.3%
Zerobase-cedefiOP Mainnet8.09MUSDT2%5.3%3.3%
Yearn-financeEthereum5.74MUSDT0%3.27%3.26%
Compound-v3Ethereum18.40MUSDT0%3.08%3.2%
Aave-v3Polygon10.19MUSDC0%3.03%3.17%
Aave-v3Arbitrum20.13MUSDC0%3.09%3.16%
Aave-v3BSC2.12MUSDC0%3.36%3.11%
SaveSolana5.18MUSDC0%3.13%3.09%
Aave-v3BSC10.53MUSDT0%2.88%3.07%
Compound-v3Arbitrum2.35MUSDC0%2.97%3.03%
Aave-v3Ethereum1.41MUSDC0%3.27%2.98%
Yearn-financeEthereum7.30MDAI0%2.96%2.93%
SparklendEthereum75.10MDAI0%2.62%2.85%
Kamino-lendSolana1.72MUSDC0%2.22%2.83%
Aave-v3Avalanche5.72MUSDT0%4.17%2.78%
Compound-v3Arbitrum4.69MUSDT0%2.53%2.46%
Ember-protocolEthereum2.04MUSDC0%4.51%2.44%
CurrentSui1.03MUSDT3.39%7.21%2.3%
Lista-lendingBSC1.31MUSDT0%3.21%2.3%
Justlend-v1Tron86.05MUSDT0%2.11%2.19%
SaveSolana2.13MUSDT0%1.88%2.05%
Venus-fluxBSC1.51MUSDT0%2.82%1.94%
Lista-lendingEthereum4.35MUSDC5.93%6.87%1.9%
CurrentSui24.80MUSDC5.03%8.29%1.79%
Native-credit-poolEthereum1.14MUSDC0%4.88%1.28%
Lista-lendingEthereum3.84MUSDT4.16%5.76%1.18%
Native-credit-poolEthereum3.87MUSDT0%3.29%1.17%
ExactlyOP Mainnet1.63MUSDC0%1.05%1.03%
AcrossEthereum1.12MUSDT2.99%3.11%0.98%
Aave-v4Avalanche6.53MUSDC4.05%4.97%0.55%
TectonicCronos1.43MUSDC0.02%0.57%0.41%
AcrossEthereum1.03MUSDC4.7%4.6%0.29%
Aave-v4Avalanche6.33MUSDT5.94%6.54%0.24%
CredixSolana13.41MUSDC0%0.07%0.03%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum694.3M4.37%
Avalanche8290.5M4.24%
Base17161.7M6.91%
BSC14115.9M4.72%
Ethereum743.3B6.04%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon110.2M3.17%
Solana18573.4M9.21%
TON12.7M4.72%
zkSync Era000%