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 Mar 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
16/03/2026 18:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Euler-v2Avalanche4.05MUSDC0%6.02%13.32%
Bracket-vaultsEthereum3.29MUSDC0%13.41%12.72%
BitwayBSC14.88MUSDT0%12%12%
AbyssSui1.87MUSDC0%8.9%10.21%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
AccountableMonad1.16MUSDC2.87%12.47%9.6%
AvantisBase82.16MUSDC0%10.48%9.39%
Blend-pools-v2Stellar10.68MUSDC0%9.95%8.84%
Zerobase-cedefiBSC23.94MUSDT2%9.76%7.76%
Gains-networkBase1.87MUSDC0%5.71%7.66%
Zerobase-cedefiArbitrum8.14MUSDT2%9%7%
Zerobase-cedefiBSC1.42MUSDC2%9%7%
Zerobase-cedefiEthereum14.08MUSDT2%9%7%
LoopscaleSolana1.67MUSDC1.25%7.48%6.61%
Gains-networkArbitrum13.43MUSDC0%8.33%5.91%
Harvest-financeBase3.10MUSDC0%5.7%5.77%
Yearn-financeEthereum1.66MUSDC0%4.85%5.66%
Yearn-financeEthereum3.69MUSDC0%6.16%5.53%
Yearn-financeEthereum1.47MUSDC0%4.88%5.5%
Extra-finance-leverage-farmingBase4.39MUSDC0%5.18%5.42%
AutofinanceArbitrum1.35MUSDC1.45%6.34%5.11%
Benqi-lendingAvalanche1.20MUSDT0%4.37%4.86%
AutofinanceEthereum20.97MUSDC0.35%6.24%4.82%
Yo-protocolEthereum10.84MUSDC12%16.76%4.78%
Yo-protocolBase32.64MUSDC12%19.13%4.78%
Woofi-earnArbitrum1.19MUSDC0%6.7%4.74%
Takara-lendSei1.14MUSDC3.12%10.14%4.72%
Flux-financeEthereum1.73MUSDT0%4.58%4.55%
Fusion-by-iporEthereum3.84MUSDT0%7.28%4.55%
DolomiteEthereum9.19MUSDC0%4.27%4.54%
Arcadia-v2Base1.21MUSDC0%5.27%4.38%
Yearn-financeEthereum7MUSDT0%4.41%4.36%
LoopscaleSolana6.29MUSDC0%3.71%4.32%
WasabiSolana1.53MUSDC0%5.24%4.21%
ExactlyOptimism1.68MUSDC0%4.17%4.2%
ExactlyOptimism1.68MUSDC0%4.14%4.18%
Flux-financeEthereum1.52MUSDC0%4.2%4.15%
SparklendEthereum1.80MUSDC0%3.27%4.14%
ExactlyOptimism1.68MUSDC0%4.07%4.11%
Fusion-by-iporBase1.76MUSDC0%5.41%4.09%
AutofinanceBase14.95MUSDC1.14%5.97%4.09%
ExactlyOptimism1.68MUSDC0%3.97%4.01%
MapleEthereum2.01BUSDT0%4.22%3.98%
ExactlyOptimism1.68MUSDC0%3.81%3.93%
Scallop-lendSui2.44MUSDC0%4.68%3.91%
ExactlyOptimism1.68MUSDC0%3.97%3.91%
Euler-v2Ethereum35.96MUSDC0%4.36%3.85%
Hyperlend-pooledHyperliquid L130.19MUSDC0%4.61%3.81%
Navi-lendingSui12.34MUSDC0.59%4.88%3.76%
Spark-savingsEthereum448.83MUSDC0%3.93%3.75%
Spark-savingsAvalanche132.86MUSDC0%3.93%3.75%
Harvest-financeEthereum1.10MUSDC0%3.62%3.72%
Harvest-financeEthereum1.10MUSDC0%3.62%3.72%
Benqi-lendingAvalanche6.54MUSDC0%3.36%3.69%
Folks-finance-xchainPolygon1.80MUSDT0%3.6%3.68%
ExactlyOptimism1.68MUSDC0%2.24%3.67%
Echelon-marketAptos8.56MUSDC0%4.18%3.66%
ExactlyOptimism1.68MUSDC0%1.27%3.64%
NeverlandMonad14.91MUSDC4.73%11.2%3.62%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum424.1M5.69%
Avalanche4144.7M6.41%
Base8142.1M5.7%
BSC340.2M8.92%
Ethereum192.6B5.33%
Hyperliquid000%
Mantle000%
Optimism813.4M3.96%
Polygon11.8M3.68%
Solana39.5M5.05%
TON000%
zkSync Era000%