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
16/10/2026 22:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableMonad1.14MUSDC0%24.7%81.26%
Harvest-financeBase1.76MUSDC0%26.3%27.17%
VerantaBase9.67MUSDC0%19.24%19.99%
EnsuroEthereum1.30MUSDC0%21.56%19.25%
AccountableEthereum3.39MUSDC0%12.38%15.57%
AccountableEthereum1.05MUSDC0%14.98%14.25%
Vectis-financeEthereum1.80MUSDC0%13.86%13.71%
AccountableMonad6.55MUSDC1.15%15.61%13.44%
Ember-protocolEthereum1.64MUSDC0%12.93%12.93%
Ember-protocolEthereum2.63MUSDC0%13.06%12.9%
AccountableEthereum12.10MUSDC0%12.28%12.13%
Rhea-lendNear1.75MUSDT0%9.46%12%
Rhea-lendNear1.72MUSDC0%8.87%11.92%
AccountableMonad5.44MUSDC0.37%12.11%11.64%
AccountableEthereum1.79MUSDC0%13.85%10.67%
Pareto-creditEthereum11.10MUSDC0%10.59%10.59%
AccountableEthereum2.46MUSDC11.31%31.9%10.43%
Ember-protocolSui1.02MUSDC0%11.5%10.4%
Midas-rwaEthereum26.36MUSDC0%8.59%10.21%
Ember-protocolSui10.10MUSDC0%10.13%10.03%
AguaMonad9.07MUSDC0%10%10%
AguaEthereum11.51MUSDC0%10%10%
AccountableMonad74.98MUSDC0.29%11.26%9.5%
Midas-rwaEthereum7.92MUSDC0%6.98%9.46%
Ember-protocolEthereum3.67MUSDC0%9.58%9.43%
Pareto-creditEthereum2.01MUSDC0%9.38%9.38%
Nawa-protocolZIGChain3.46MUSDC0%10.04%9.32%
Ember-protocolEthereum18MUSDC0%11.38%9.03%
Neutral-tradeSolana1.24MUSDC0%8.21%8.89%
Aave-v3Monad12.18MUSDC0%6.12%8.49%
Kamino-lendSolana52.59MUSDC0%8.09%8.29%
Pareto-creditEthereum127.73MUSDC0%7.94%8.06%
Bitway-earnBSC22.74MUSDT0%8%8%
Ember-protocolSui8.50MUSDC4%12%8%
Jupiter-lendSolana475.47MUSDC0%5.56%7.94%
Aave-v4Ethereum2.06MUSDC0%5.1%7.66%
Coinmerce-capitalHyperliquid L11.74MUSDC0%6.49%7.64%
Kamino-lendSolana7.29MUSDC0%7.66%7.58%
Extra-finance-leverage-farmingBase3.11MUSDC0%6.64%7.51%
Neutral-tradeSolana2.02MUSDC0%11.11%7.5%
Bitway-earnBSC1.60MUSDT0%7.5%7.5%
Centrifuge-protocolEthereum2.68MUSDT0%6.2%7.49%
Sentora-curatorEthereum97.07MUSDC0%7.59%7.47%
Vectis-financeSolana2.71MUSDC0%6.78%7.41%
Midas-rwaEthereum65.93MUSDC0%7.51%7.37%
Loopscale-lendingSolana1.15MUSDC0.12%6.91%7.18%
Blend-pools-v2Stellar10.68MUSDC0%7.3%7.06%
Yearn-financeEthereum7.45MUSDC0%6.87%7.05%
AccountableMonad2.18MUSDC0.43%7.54%7.03%
Zerobase-cedefiEthereum14.19MUSDT2%9%7%
Zerobase-cedefiBase10.53MUSDC2%9%7%
Zerobase-cedefiArbitrum7.61MUSDT2%9%7%
Euler-v2Monad3.65MUSDC1.25%7.82%6.97%
Hyperlend-pooledHyperliquid L14.25MUSDC0%4.49%6.92%
Harvest-financeBase1.07MUSDC0%7%6.86%
Neutral-tradeSolana1.36MUSDC0%55.97%6.77%
Zerobase-cedefiBSC16.75MUSDT2%8.76%6.76%
Zerobase-cedefiBSC1.90MUSDC2%8.76%6.76%
Midas-rwaEthereum3.40MUSDC0%6.99%6.72%
Midas-rwaEthereum1.44MUSDC0%6.98%6.72%
Pareto-creditEthereum22.09MUSDC0%6.62%6.62%
Fluid-lendingArbitrum57.86MUSDC0%5.03%6.48%
Harmonix-financeHyperliquid L114.94MUSDC0%6.3%6.4%
Midas-rwaEthereum29.55MUSDC0%7.32%6.38%
Yearn-financeEthereum11.58MUSDC0%6.72%6.31%
Midas-rwaBase51.54MUSDC0%4.76%6.2%
Midas-rwaRobinhood Chain36.04MUSDC0%4.76%6.2%
Fusion-by-iporEthereum1.28MUSDC0%6.26%6.17%
AccountableMonad6.67MUSDC0.45%5.86%6.13%
Aave-v3Avalanche5.11MUSDC0%5.59%6.12%
Midas-rwaEthereum34.06MUSDC0%6.33%6.1%
Kamino-lendSolana1.89MUSDC0%5.53%6.01%
Fluid-lendingEthereum133.27MUSDC0%5.13%5.94%
Kamino-lendSolana7.97MUSDC0.13%6.64%5.93%
Kamino-lendSolana4.85MUSDC0.01%5.94%5.87%
Gains-networkArbitrum4.27MUSDC0%30.91%5.75%
Alchemix-v3Ethereum7.91MUSDC0%5.32%5.71%
Compound-v3Ethereum14.84MUSDT0%3.63%5.71%
Kamino-lendSolana1.38MUSDC0.12%6.01%5.68%
Kamino-lendSolana58.70MUSDC0.05%5.72%5.67%
Kamino-lendSolana1.10MUSDC0.13%5.74%5.62%
Ember-protocolSui8.75MUSDC0%11.96%5.61%
Ember-protocolEthereum6.09MUSDC0%10.9%5.61%
Harvest-financeEthereum1.16MUSDC0%6.16%5.61%
SymbiosisEthereum1.10MUSDC0%4.24%5.6%
SymbioticEthereum1.01MUSDC0%6.16%5.48%
Kamino-lendSolana10.72MUSDC0.35%6.32%5.44%
MapleEthereum726.75MUSDT0%5.18%5.4%
AutofinanceEthereum7.54MUSDC0.8%6.25%5.26%
Benqi-lendingAvalanche2.09MUSDC0%6.98%5.21%
Navi-lendingSui7.59MUSDC0.55%5.37%5.14%
Fluid-lendingBase10.67MUSDC3.23%7.78%5.01%
Compound-v3Ethereum36.28MUSDC0%4.76%5.01%
Yearn-financeBase1.52MUSDC0%4.85%4.88%
Jupiter-lendSolana16.38MUSDT0%3.91%4.84%
Fusion-by-iporBase2.93MUSDC0%4.6%4.79%
DolomiteArbitrum1.14MUSDC0%4.61%4.77%
Kamino-lendSolana1.79MUSDC0%5.25%4.69%
Kamino-lendSolana2.06MUSDC0.03%6.36%4.6%
Yo-protocolBase7.70MUSDC0%4.36%4.57%
Yo-protocolEthereum1.56MUSDC0%4.36%4.57%
Kamino-lendSolana1.59MUSDC0%6.02%4.57%
Fusion-by-iporBase1.07MUSDC1.81%6.35%4.54%
Flux-financeEthereum1.95MUSDT0%4.44%4.44%
Ember-protocolEthereum2.05MUSDC0%4.39%4.39%
TydroInk15.24MUSDC0%4.24%4.35%
ExactlyOP Mainnet1.58MUSDC0%4.34%4.34%
CurvanceMonad3.18MUSDC1.8%6.1%4.3%
ExactlyOP Mainnet1.58MUSDC0%4.29%4.3%
Kamino-lendSolana13.78MUSDC0%5.18%4.28%
Kamino-lendSolana1.50MUSDC0%4.74%4.28%
Kamino-lendSolana1.39MUSDC0%6.7%4.28%
Yearn-financeEthereum2.40MUSDC0%4.14%4.27%
AutofinanceBase3.51MUSDC4.21%9.98%4.27%
ExactlyOP Mainnet1.58MUSDC0%4.23%4.25%
Neutral-tradeSolana4.33MUSDC0%13.64%4.25%
ExactlyOP Mainnet1.58MUSDC0%4.19%4.22%
ExactlyOP Mainnet1.58MUSDC0%4.34%4.16%
Venus-core-poolBSC6.60MUSDC0%3.8%4.14%
Flux-financeEthereum1.60MUSDC0%4.14%4.14%
ExactlyOP Mainnet1.58MUSDC0%4.28%4.11%
Kamino-lendSolana2.59MUSDT0%4.37%4.07%
Kamino-lendSolana19.94MUSDC0%6.67%4.04%
ExactlyOP Mainnet1.58MUSDC0%4.05%4.02%
Fluid-lendingEthereum127.48MUSDT0%4.47%4.02%
ExactlyOP Mainnet1.58MUSDC0%2.59%4.02%
ExactlyOP Mainnet1.58MUSDC0%3.79%3.94%
Aave-v3Polygon1.03MDAI0%4.52%3.93%
Kamino-lendSolana2.56MUSDC0%6.35%3.93%
ExactlyOP Mainnet1.58MUSDC0%4.06%3.92%
Midas-rwaEthereum6.45MUSDC0%3.71%3.91%
Midas-rwaEtherlink1.13MUSDC0%3.68%3.91%
Gami-labsBase3.03MUSDC0%3.57%3.91%
Spectra-metavaultsBase3.03MUSDC0%3.57%3.91%
Native-credit-poolEthereum1.14MUSDC0%4.22%3.88%
Aave-v3Base19.88MUSDC2.36%4.27%3.81%
Spark-savingsEthereum300.83MUSDC0%3.66%3.8%
Spark-savingsAvalanche1.99MUSDC0%3.66%3.8%
SaveSolana4.03MUSDC0%3.15%3.77%
Aave-v3Ethereum154.66MUSDC0%4.34%3.77%
Aave-v3Ethereum53.54MUSDC1.82%5.93%3.77%
Spark-savingsEthereum714.71MUSDT0%3.6%3.75%
Yearn-financeEthereum19.47MUSDC0%3.65%3.69%
Storm-tradeTON2.67MUSDT0%4.64%3.68%
Yearn-financeEthereum1.12MUSDC0%3.43%3.64%
Centrifuge-protocolAvalanche263.04MUSDC0%3.8%3.63%
Centrifuge-protocolBase22.76MUSDC0%3.79%3.63%
Centrifuge-protocolBSC1.02MUSDC0%3.78%3.63%
Centrifuge-protocolEthereum9.31MUSDC0%3.73%3.63%
Echelon-marketAptos1.34MUSDC2.79%5.84%3.6%
Lista-lendingBSC2.80MUSDT0%4.06%3.56%
SparklendEthereum4.74MUSDC0%3.4%3.56%
Kamino-lendSolana1.31MUSDC0%2.71%3.51%
Midas-rwaEthereum1.72MUSDC0%7.87%3.5%
Kamino-lendSolana1.39MUSDC0%5.93%3.48%
Aave-v3Avalanche3.11MUSDT0%3.96%3.44%
Midas-rwaEthereum74.91MUSDC0%3.32%3.42%
Midas-rwaEtherlink1.22MUSDC0%3.32%3.42%
Aave-v3Ethereum11.21MDAI0%3.27%3.4%
Aave-v3BSC1.73MUSDC0%3.29%3.4%
SparklendEthereum15.84MUSDT0%3.4%3.4%
Yearn-financeEthereum5.69MUSDT0%3.28%3.39%
Zerobase-cedefiOP Mainnet8.09MUSDT2%5.3%3.3%
Aave-v3Ethereum354.02MUSDT0%3.87%3.29%
Aave-v3Ethereum62.65MUSDT1.63%5.44%3.29%
Aave-v3Ethereum1.26MUSDC0%3.25%3.21%
Aave-v3Polygon10.10MUSDC0%3.07%3.19%
Kamino-lendSolana6.31MUSDC5.44%8.62%3.16%
DolomiteEthereum32.97MUSDC3.85%7.43%3.15%
Venus-core-poolBSC50.26MUSDT0%3.28%3.14%
Compound-v3Arbitrum1.90MUSDC0%3.02%3.13%
Aave-v3BSC10.83MUSDT0%2.92%3.11%
Yearn-financeEthereum6.77MDAI0%2.9%3.07%
Centrifuge-protocolBase6.56MUSDC0%3.95%2.97%
Centrifuge-protocolPharos4.56MUSDC0%3.64%2.97%
Centrifuge-protocolBSC1.02MUSDC0%3.64%2.97%
Aave-v4Ethereum5.05MUSDT0%4.13%2.95%
SaveSolana1.63MUSDT0%1.99%2.87%
SparklendEthereum76MDAI0%2.71%2.85%
Lista-lendingBSC1.34MUSDT0%3.01%2.54%
SymbioticEthereum1.01MUSDC0%3.15%2.53%
SymbioticEthereum1.01MUSDC0%3.15%2.53%
Compound-v3Arbitrum5.11MUSDT0%2.48%2.35%
CurrentSui1.08MUSDT2.75%6.74%2.28%
Aave-v3Arbitrum54.77MUSDC0%3.12%2.26%
Justlend-v1Tron81.91MUSDT0%2.13%2.21%
CurrentSui22.58MUSDC4.89%8.04%1.92%
Venus-fluxBSC1.03MUSDT0%2.8%1.65%
Lista-lendingEthereum4.36MUSDC6.18%7.06%1.45%
Native-credit-poolEthereum3.77MUSDT0%2.78%1.17%
ExactlyOP Mainnet1.58MUSDC0%1.08%1.06%
Lista-lendingEthereum4.13MUSDT4.99%5.76%1.04%
Midas-rwaEtherlink4.95MUSDC0%5.14%0.8%
Aave-v4Avalanche6.50MUSDC0%4.67%0.55%
TectonicCronos1.51MUSDC0.02%0.5%0.4%
Aave-v4Avalanche7.30MUSDT0%6.15%0.26%
AcrossEthereum1.12MUSDT3.05%3.5%0.18%
CredixSolana13.41MUSDC0%0.06%0.03%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum7132.7M4.54%
Avalanche7289.1M3.29%
Base17160.4M7.12%
BSC13119.6M4.4%
Ethereum743.5B6.13%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon211.1M3.56%
Solana32726.4M5.2%
TON12.7M3.68%
zkSync Era000%