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 17 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
19/02/2026 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%
Euler-v2Avalanche5.39MUSDC0%6.13%28.1%
Bracket-vaultsEthereum3.28MUSDC0%14.67%13.88%
Blend-pools-v2Stellar1.42MUSDC0.73%13.74%13.11%
AvantisBase89.75MUSDC0%11.32%11.68%
Blend-pools-v2Stellar6.78MUSDC0%11.13%11.08%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
AbyssSui1.20MUSDC0%5.58%7.89%
Woofi-earnArbitrum1.20MUSDC0%7.11%7.06%
DeltaprimeAvalanche1.31MUSDC0%6.48%6.46%
Ipor-fusionEthereum3.92MUSDT0%6.9%6.46%
AccountableMonad4.02MUSDC3%13.04%6.31%
LoopscaleSolana1.87MUSDC1.26%7.44%6.24%
AutofinanceEthereum19.25MUSDC0.33%8.26%6.24%
Harvest-financeBase4.19MUSDC0%6.43%6.09%
Hyperlend-pooledHyperliquid L113.57MUSDC0%6%5.89%
Euler-v2Avalanche1.19MUSDC0%5.83%5.83%
AutofinanceEthereum5.01MUSDC0%5.61%5.72%
Ipor-fusionBase1.70MUSDC0%6.7%5.64%
Yo-protocolBase29.01MUSDC14%16.62%5.61%
Harmonix-financeArbitrum1.15MUSDC0%5.48%5.38%
Yearn-financeEthereum3.97MUSDC0%5.8%5.27%
LoopscaleSolana1.12MUSDC2.28%7.51%5.16%
Gains-networkArbitrum11.49MUSDC0%10.46%5.1%
Gains-networkBase2.07MUSDC0%8.67%5.06%
WasabiBase6.76MUSDC0%6.38%5.02%
SymbiosisEthereum1.14MUSDC0%5.92%4.96%
Scallop-lendSui1.78MUSDC0%5.44%4.94%
Extra-finance-leverage-farmingBase3.98MUSDC0%5.17%4.88%
Echelon-marketAptos8.21MUSDC0%4.87%4.69%
AutofinanceBase17.89MUSDC1.6%7.03%4.67%
Yearn-financeEthereum7.31MUSDT0%4.57%4.64%
Flux-financeEthereum1.61MUSDT0%4.61%4.63%
AutofinanceArbitrum1.34MUSDC1.81%6.34%4.56%
LiqwidCardano2.60MUSDC1.58%10.64%4.54%
NeverlandMonad4.76MUSDC6.41%12.86%4.5%
WasabiSolana1.69MUSDC0%7.67%4.36%
Euler-v2Ethereum40.01MUSDC0%4.93%4.36%
SymbiosisTron1.38MUSDT0%4.86%4.35%
Navi-lendingSui8.85MUSDC0.64%5.08%4.32%
DolomiteEthereum12.33MUSDC0%4.56%4.24%
ExactlyOptimism1.68MUSDC0%4.22%4.24%
Folks-finance-lendingAlgorand1.63MUSDC0%4.17%4.2%
Flux-financeEthereum1.45MUSDC0%4.17%4.19%
ExactlyOptimism1.68MUSDC0%3.83%4.15%
MapleEthereum1.35BUSDT0%4.47%4.13%
ExactlyOptimism1.68MUSDC0%4.06%4.11%
ExactlyOptimism1.68MUSDC0%4.21%4.06%
ExactlyOptimism1.68MUSDC0%3.99%4.04%
ExactlyOptimism1.68MUSDC0%4.36%4.03%
Spark-savingsAvalanche145.17MUSDC0%4%4%
Spark-savingsEthereum228.45MUSDC0%4%4%
Euler-v2Arbitrum8.17MUSDC0%3.58%3.99%
ExactlyOptimism1.68MUSDC0%3.86%3.94%
Yearn-financeEthereum1.11MUSDC0%4.22%3.93%
Benqi-lendingAvalanche2.40MUSDT0%3.74%3.89%
Yearn-financeEthereum12.58MDAI0%4.4%3.84%
Yearn-financeEthereum7.30MUSDT0%4.2%3.75%
Folks-finance-xchainPolygon2.47MUSDT0%3.93%3.73%
ExactlyOptimism1.68MUSDC0%3%3.69%
Harvest-financeEthereum1.07MUSDC0%4.15%3.67%
Harvest-financeEthereum1.07MUSDC0%4.15%3.67%
ExactlyOptimism1.68MUSDC0%3.86%3.63%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum523.3M5.22%
Avalanche6158.4M13.21%
Base8155.4M6.08%
BSC000%
Ethereum191.7B5.35%
Hyperliquid000%
Mantle000%
Optimism915.1M3.99%
Polygon12.5M3.73%
Solana34.7M5.26%
TON000%
zkSync Era000%