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 3.61% on Feb 12 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
17/02/2026 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%14.77%13.99%
Blend-pools-v2Stellar1.40MUSDC0.75%13.66%13.32%
Blend-pools-v2Stellar6.22MUSDC0%11.17%12.88%
AvantisBase88.88MUSDC0%11.33%12.41%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
Ipor-fusionEthereum3.92MUSDT0%7.01%7.71%
Woofi-earnArbitrum1.20MUSDC0%7.11%7.06%
Harvest-financeBase4.21MUSDC0%6.37%6.63%
LoopscaleSolana1.73MUSDC0.74%7.56%6.51%
AutofinanceEthereum18.83MUSDC0.33%8.47%6.42%
WasabiSolana1.69MUSDC0%7.67%6.11%
DeltaprimeAvalanche1.36MUSDC0%6.52%5.94%
Euler-v2Avalanche1.19MUSDC0%5.82%5.82%
Euler-v2Avalanche1.30MUSDC0%7.77%5.79%
Euler-v2Avalanche6.61MUSDC0%5.36%5.79%
Harmonix-financeArbitrum1.17MUSDC0%5.43%5.69%
WasabiBase6.50MUSDC0%6.55%5.59%
SymbiosisEthereum1.12MUSDC0%5.95%5.58%
Scallop-lendSui1.43MUSDC0%5.49%5.52%
Hyperlend-pooledHyperliquid L113.32MUSDC0%5.95%5.5%
Yearn-financeEthereum1.42MUSDC0%5.7%5.44%
Euler-v2Ethereum40.27MUSDC0%4.93%5.21%
Yo-protocolBase29.74MUSDC14%15.81%5.2%
Gains-networkArbitrum12.41MUSDC0%10.53%5.16%
LoopscaleSolana1.20MUSDC2.14%7.65%5.09%
Echelon-marketAptos7.34MUSDC0%4.86%5%
Euler-v2Ethereum25.02MUSDC0%4.66%4.83%
Silo-v2Avalanche1.56MUSDC0%8.08%4.81%
Extra-finance-leverage-farmingBase4.02MUSDC0%5.31%4.8%
Ipor-fusionBase1.70MUSDC0%6.92%4.79%
Yearn-financeEthereum7.53MUSDT0%4.6%4.78%
AutofinanceBase17.89MUSDC1.58%7.16%4.75%
Gains-networkBase2.08MUSDC0%9.16%4.7%
SymbiosisTron1.29MUSDT0%4.88%4.65%
NeverlandMonad4.07MUSDC7.33%13.09%4.65%
Flux-financeEthereum1.61MUSDT0%4.61%4.63%
LiqwidCardano2.65MUSDC1.58%11.07%4.45%
ExactlyOptimism1.66MUSDC0%4.38%4.24%
ExactlyOptimism1.66MUSDC0%4.21%4.24%
Flux-financeEthereum1.44MUSDC0%4.17%4.19%
ExactlyOptimism1.66MUSDC0%4.22%4.18%
DolomiteEthereum13.05MUSDC0%4.54%4.18%
AutofinanceArbitrum1.34MUSDC1.81%6.37%4.16%
ExactlyOptimism1.66MUSDC0%3.79%4.14%
ExactlyOptimism1.66MUSDC0%4.05%4.11%
AcrossEthereum1.38MDAI0.35%7.98%4.09%
Navi-lendingSui10.74MUSDC0.63%5.13%4.05%
ExactlyOptimism1.66MUSDC0%3.99%4.04%
MapleEthereum1.33BUSDT0%4.53%4.01%
Spark-savingsEthereum231.49MUSDC0%4%4%
Spark-savingsAvalanche139.55MUSDC0%4%4%
Yearn-financeEthereum7.52MUSDT0%4.28%3.98%
ExactlyOptimism1.66MUSDC0%3.85%3.93%
Folks-finance-lendingAlgorand1.89MUSDC0%4.2%3.91%
Yearn-financeEthereum1.11MUSDC0%4.26%3.84%
Yearn-financeEthereum1.11MUSDC0%4.26%3.84%
Yearn-financeEthereum12.67MDAI0%4.45%3.79%
Folks-finance-xchainPolygon2.43MUSDT0%4.32%3.76%
Aave-v3Ethereum8.28MUSDC0%3.47%3.72%
VesperEthereum2.56MUSDC0%4.61%3.69%
ExactlyOptimism1.66MUSDC0%2.99%3.68%
ExactlyOptimism1.66MUSDC0%3.87%3.66%
AutofinanceEthereum5.01MUSDC0%5.75%3.64%
Euler-v2Arbitrum9.44MUSDC0%3.66%3.63%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum525.6M5.14%
Avalanche7154.5M9.02%
Base8155M6.11%
BSC000%
Ethereum221.8B5.25%
Hyperliquid000%
Mantle000%
Optimism915M4.02%
Polygon12.4M3.76%
Solana34.6M5.9%
TON000%
zkSync Era000%