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 3.69% on Jul 30 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
02/08/2026 20:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AzuroPolygon1.41MUSDT0%10.41%42.98%
AccountableMonad7.59MUSDC0.99%32.74%35.3%
AccountableMonad99.98MUSDC0.29%15.84%17.6%
Ember-protocolSui1.21MUSDC0%10.05%16.62%
AccountableEthereum3.58MUSDC11.35%19.58%14.04%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum7.67MUSDC0%12.86%12.9%
AccountableEthereum2.22MUSDC0%11.05%11.59%
AvantisBase21.13MUSDC0%9.09%11.25%
Harvest-financeBase1.88MUSDC0%12.58%11.23%
Nawa-protocolZIGChain3.81MUSDC0%7.72%10.93%
Pareto-creditEthereum15.29MUSDC0%10.59%10.58%
Ember-protocolSui1.31MUSDC0%8.44%10.57%
Ember-protocolSui1.07MUSDC0%9.89%10.25%
GoldfinchEthereum35.95MUSDC0%10.12%10.21%
Midas-rwaEthereum70.89MUSDC0%10.55%10.19%
Midas-rwaEthereum8MUSDC0%9.34%10.01%
AccountableMonad1.03MUSDC0%10.39%10%
AccountableMonad1.03MUSDC0%10.39%10%
Ember-protocolEthereum3.27MUSDC0%9.33%9.75%
Ember-protocolEthereum5.91MUSDC0%5.94%9.68%
YieldseekerBase2.02MUSDC0%8.67%9.39%
Pareto-creditEthereum2.14MUSDC0%9.38%9.38%
Bracket-vaultsEthereum2.59MUSDC0%9.39%9.31%
Ember-protocolSui5.79MUSDC0%9.02%9.31%
Euler-v2Monad1.59MUSDC2.64%8.59%8.74%
Midas-rwaEthereum7.28MUSDC0%5.53%8.74%
Midas-rwaEtherlink1.12MUSDC0%5.55%8.74%
Midas-rwaEthereum37.45MUSDC0%10.31%8.72%
Pareto-creditEthereum181.65MUSDC0%8.31%8.31%
Midas-rwaEthereum6.67MUSDC0%7.83%8.16%
Midas-rwaEthereum2.50MUSDC0%7.82%8.16%
Bitway-earnBSC23.96MUSDT0%8%8%
Ember-protocolSui8.10MUSDC4%12%8%
AccountableMonad10.07MUSDC0.5%9.67%7.67%
AccountableMonad1.59MUSDC0.5%7.53%7.52%
Midas-rwaEthereum1.73MUSDC0%9.98%7.18%
Pareto-creditEthereum21.87MUSDC0%7.13%7.13%
Kamino-lendSolana3.20MUSDC0%6.76%7.06%
Blend-pools-v2Stellar12.91MUSDC0%7.48%7.01%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
Harmonix-financeHyperliquid L117.88MUSDC0%8.06%6.8%
Yearn-financeEthereum6.19MUSDC0%6.97%6.77%
Zerobase-cedefiBSC20.52MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.03MUSDC2%8.76%6.76%
Extra-finance-leverage-farmingBase3.44MUSDC0%6.63%6.74%
LoopscaleSolana2.75MUSDC0.24%7.24%6.54%
Yearn-financeEthereum1.19MUSDC0%5.5%6.46%
Ember-protocolEthereum17.05MUSDC0%6.84%6.45%
Harvest-financeEthereum1.15MUSDC0%6.36%6.43%
Ember-protocolSui5.68MUSDC0%6.27%6.09%
Hyperlend-pooledHyperliquid L112.56MUSDC0%7.44%5.86%
Storm-tradeTON3.47MUSDT0%5.77%5.66%
AutofinanceBase4.98MUSDC2.53%7.75%5.66%
AutofinanceEthereum8.54MUSDC0.42%6.61%5.51%
Yearn-financeEthereum9.06MUSDC0%5.97%5.48%
Midas-rwaEtherlink4.78MUSDC0%7.88%5.39%
Euler-v2Ethereum6.60MUSDC0%4.04%5.31%
Ember-protocolSui1.19MUSDC5.81%11.95%5.28%
Fusion-by-iporEthereum2.30MUSDC0%5.87%5.25%
Lista-lendingBSC1.99MUSDT0.26%6.45%5.02%
Navi-lendingSui7.10MUSDC0.41%5.6%4.92%
Yearn-financeBase1.73MUSDC0%4.97%4.91%
Centrifuge-protocolAvalanche260.68MUSDC0%4.14%4.8%
Centrifuge-protocolBase50.27MUSDC0%4.14%4.8%
Centrifuge-protocolEthereum5.74MUSDC0%4.15%4.8%
Centrifuge-protocolBase1.54MUSDC0%4.15%4.8%
Gains-networkArbitrum6.32MUSDC0%5.62%4.78%
Fluid-lendingEthereum152.82MUSDC0%5.35%4.67%
Fluid-lendingEthereum9.04MUSDC0%5.35%4.67%
Alchemix-v3Ethereum7.52MUSDC0%4.49%4.52%
Fluid-lendingArbitrum37.69MUSDC0%5.36%4.52%
TermmaxBase1.20MUSDC0%3.94%4.52%
Fluid-lendingEthereum131.17MUSDT0%4.69%4.51%
Centrifuge-protocolMonad4.53MUSDC0%4.13%4.5%
Centrifuge-protocolPharos4.38MUSDC0%3.47%4.5%
LoopscaleSolana2.25MUSDC0%5.61%4.49%
SymbiosisTron1.50MUSDT0%5.94%4.48%
Jupiter-lendSolana421.38MUSDC0.72%4.69%4.47%
Fluid-lendingBase8.84MUSDC0%5.37%4.42%
Flux-financeEthereum2.05MUSDT0%4.43%4.41%
Kamino-lendSolana5.91MUSDC0%4.63%4.4%
ExactlyOP Mainnet1.59MUSDC0%4.3%4.35%
DolomiteArbitrum1.45MUSDC0%4.71%4.3%
ExactlyOP Mainnet1.59MUSDC0%4.23%4.28%
Midas-rwaEthereum53.15MUSDC0%3.08%4.25%
Midas-rwaEtherlink1.22MUSDC0%3.09%4.25%
MapleEthereum0.94BUSDT0%4.19%4.24%
ExactlyOP Mainnet1.59MUSDC0%4.14%4.22%
Kamino-lendSolana1.52MUSDC0%4.24%4.2%
Kamino-lendSolana11.37MUSDC0%4.07%4.2%
ExactlyOP Mainnet1.59MUSDC0%4.15%4.19%
ExactlyOP Mainnet1.59MUSDC0%4.01%4.14%
Venus-fluxBSC2.89MUSDT0%2.53%4.13%
Yo-protocolBase9.92MUSDC0%4.17%4.12%
Yo-protocolEthereum2.28MUSDC0%4.17%4.12%
ExactlyOP Mainnet1.59MUSDC0%4.03%4.09%
ExactlyOP Mainnet1.59MUSDC0%3.23%3.96%
Moonwell-lendingBase2.41MUSDC0.3%4.54%3.93%
Benqi-lendingAvalanche4.42MUSDC0%3.87%3.88%
ExactlyOP Mainnet1.59MUSDC0%4.19%3.87%
Aave-v3Polygon1.07MDAI0%4.14%3.84%
ExactlyOP Mainnet1.59MUSDC0%3.94%3.83%
TermmaxEthereum4.40MUSDC0%3.62%3.78%
Midas-rwaEthereum4.55MUSDC0%6.17%3.78%
AmpleBase4.33MUSDC0%4.15%3.76%
Flux-financeEthereum2.59MUSDC0%3.72%3.73%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum453.1M5.15%
Avalanche2265.1M4.34%
Base13113.7M6.12%
BSC551.4M6.13%
Ethereum391.8B7.18%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon22.5M23.41%
Solana7448.4M5.05%
TON13.5M5.66%
zkSync Era000%