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 3.59% on Mar 05 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
07/03/2026 21:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Euler-v2Avalanche2.96MUSDT0%31.01%31.01%
Bracket-vaultsEthereum3.29MUSDC0%13.82%13.1%
Fusion-by-iporEthereum5.83MUSDC0%2.6%13.04%
Fusion-by-iporEthereum3.68MUSDT0%6.97%11.36%
AbyssSui1.90MUSDC0%8.88%10.68%
Gains-networkArbitrum12.15MUSDC0%8.92%10.4%
AvantisBase83.94MUSDC0%11.09%10.3%
GoldfinchEthereum37.76MUSDC0%10.01%10.01%
AccountableMonad1.62MUSDC2.94%12.62%9.6%
Yearn-financeBase2.25MUSDC0%27.01%9.56%
Blend-pools-v2Stellar9.95MUSDC0%10.28%9.37%
Gains-networkBase1.91MUSDC0%5.98%8.28%
Zerobase-cedefiBSC23.24MUSDT2%9.76%7.76%
Woofi-earnArbitrum1.24MUSDC0%7.09%7.42%
Storm-tradeTon4.81MUSDT0%3.9%7.37%
Zerobase-cedefiEthereum14.08MUSDT2%9%7%
Zerobase-cedefiArbitrum8.15MUSDT2%9%7%
Zerobase-cedefiBSC1.19MUSDC2%9%7%
Euler-v2Avalanche4.30MUSDC0%6.11%6.96%
LoopscaleSolana2.60MUSDC1.09%7.03%6.25%
AutofinanceEthereum21.98MUSDC0.36%6.92%6.1%
Fusion-by-iporBase1.68MUSDC0%5.46%5.81%
AcrossEthereum1.10MDAI0.41%5.28%5.73%
DeltaprimeAvalanche1.10MUSDC0%5.94%5.62%
Extra-finance-leverage-farmingBase4.19MUSDC0%4.79%5.38%
Harmonix-financeArbitrum1.02MUSDC0%5.46%5.33%
Harmonix-financeArbitrum1.02MUSDC0%5.46%5.33%
LiqwidCardano2.29MUSDC1.58%7.08%5.25%
Yo-protocolBase30.81MUSDC12%20.57%5.01%
WasabiBase6.43MUSDC0%5.42%4.99%
Harvest-financeBase3.38MUSDC0%5.89%4.97%
Navi-lendingSui7.81MUSDC0.49%4.81%4.87%
Benqi-lendingAvalanche1.36MUSDT0%3.94%4.71%
AutofinanceEthereum5.02MUSDC0%4.28%4.64%
Takara-lendSei1.16MUSDC2.89%10.84%4.59%
Flux-financeEthereum1.75MUSDT0%4.6%4.54%
AutofinanceArbitrum1.35MUSDC1.77%6.23%4.53%
SparklendEthereum1.96MUSDC0%3.03%4.38%
Yearn-financeEthereum7.10MUSDT0%4.44%4.37%
WasabiSolana1.34MUSDC0%6.66%4.37%
Echelon-marketAptos7.68MUSDC0%4.68%4.35%
Euler-v2Ethereum40.42MUSDC0%4.73%4.33%
MapleEthereum1.37BUSDT0%4.22%4.27%
DolomiteEthereum12.48MUSDC0%4.66%4.27%
ExactlyOptimism1.74MUSDC0%4.24%4.26%
AutofinanceBase16.10MUSDC1.31%6.43%4.23%
Flux-financeEthereum1.42MUSDC0%4.2%4.21%
ExactlyOptimism1.74MUSDC0%4.11%4.19%
Scallop-lendSui2.27MUSDC0%5.02%4.17%
ExactlyOptimism1.74MUSDC0%4.12%4.16%
ExactlyOptimism1.74MUSDC0%4.05%4.09%
Spark-savingsAvalanche182.79MUSDC0%4%4%
Spark-savingsEthereum357.82MUSDC0%4%4%
ExactlyOptimism1.74MUSDC0%3.94%3.99%
ExactlyOptimism1.74MUSDC0%3.8%3.96%
LoopscaleSolana8.32MUSDC0%3.75%3.95%
SymbiosisTron1.14MUSDT0%4.6%3.93%
NeverlandMonad8.58MUSDC7.94%12.24%3.93%
ExactlyOptimism1.74MUSDC0%4.07%3.9%
SymbiosisEthereum1.43MUSDC0%5.15%3.79%
Yearn-financeEthereum7.53MUSDT0%3.76%3.75%
Benqi-lendingAvalanche6.17MUSDC0%3.15%3.72%
Hyperlend-pooledHyperliquid L127.95MUSDC0%5.27%3.71%
Folks-finance-lendingAlgorand2.12MUSDC0%3.9%3.61%
ExactlyOptimism1.74MUSDC0%2.47%3.6%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum624.9M6.67%
Avalanche6198.7M9.34%
Base9150.7M6.5%
BSC224.4M7.38%
Ethereum181.9B6.27%
Hyperliquid000%
Mantle000%
Optimism813.9M4.02%
Polygon000%
Solana312.3M4.86%
TON14.8M7.37%
zkSync Era000%