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
02/10/2026 22:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Neutral-tradeSolana2.26MUSDC0%38.12%79.44%
Neutral-tradeSolana1.40MUSDC0%67.07%52.94%
Gains-networkArbitrum4.82MUSDC0%37.01%36.43%
Harvest-financeBase1.84MUSDC0%47.63%32.57%
EnsuroEthereum1.31MUSDC0%20.75%18.47%
VerantaBase9.55MUSDC0%18.1%18.36%
AccountableEthereum2.06MUSDC13.35%38.07%16.89%
AccountableMonad7.50MUSDC1.41%16.37%16.25%
AccountableEthereum1.05MUSDC0.75%14.83%14.25%
Ember-protocolEthereum1.64MUSDC0%18.35%12.93%
Ember-protocolEthereum2.62MUSDC0%12.97%12.9%
AccountableEthereum11.01MUSDC0%12.46%12.13%
Neutral-tradeSolana4.24MUSDC0%11.93%11.75%
AccountableMonad5.44MUSDC0.5%12.1%11.64%
AccountableMonad75MUSDC0.42%11.7%11.4%
Pareto-creditEthereum11.10MUSDC0%10.59%10.59%
Neutral-tradeSolana2.46MUSDC0%14.2%10.15%
Ember-protocolSui8.63MUSDC0%6.52%10.08%
Ember-protocolSui9.11MUSDC0%10.13%10%
AguaEthereum7.48MUSDC0%10%10%
AccountableEthereum3.37MUSDC0%11.83%9.54%
Nawa-protocolZIGChain3.45MUSDC0%8.96%9.51%
Ember-protocolEthereum3.71MUSDC0%9.6%9.42%
Pareto-creditEthereum1.98MUSDC0%9.38%9.38%
Midas-rwaEthereum31.27MUSDC0%6.66%8.89%
Neutral-tradeSolana1.39MUSDC0%9.45%8.41%
Midas-rwaEthereum3.30MUSDC0%7.04%8.27%
Midas-rwaEthereum2.53MUSDC0%7.04%8.27%
Ember-protocolEthereum5.51MUSDC0%10.95%8.2%
Coinmerce-capitalHyperliquid L11.74MUSDC0%8.19%8.19%
Pareto-creditEthereum123.88MUSDC0%7.83%8.06%
Bitway-earnBSC19.79MUSDT0%8%8%
Ember-protocolSui8.87MUSDC4%12%8%
Ember-protocolEthereum17.75MUSDC0%11.7%8%
Midas-rwaEthereum1.70MUSDC0%8.4%7.92%
Sentora-curatorEthereum94.39MUSDC0%7.42%7.7%
Midas-rwaEthereum65.72MUSDC0%7.55%7.57%
Bitway-earnBSC6.16MUSDT0%7.5%7.5%
Centrifuge-protocolEthereum2.53MUSDT0%3.84%7.3%
Yearn-financeEthereum11.88MUSDC0%6.64%7.28%
AccountableMonad2.32MUSDC0.5%7.33%7.28%
Harvest-financeEthereum1.18MUSDC0%7.47%7.07%
Fusion-by-iporEthereum1.28MUSDC0%6.25%7.02%
Zerobase-cedefiEthereum14.07MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.62MUSDT2%9%7%
Extra-finance-leverage-farmingBase3.36MUSDC0%6.29%6.96%
Yearn-financeEthereum7.59MUSDC0%6.85%6.76%
Zerobase-cedefiBSC17.97MUSDT2%8.76%6.76%
Zerobase-cedefiBSC1.95MUSDC2%8.76%6.76%
Blend-pools-v2Stellar11.74MUSDC0%7.64%6.66%
Midas-rwaEthereum6.83MUSDC0%6.84%6.64%
Pareto-creditEthereum22.06MUSDC0%6.7%6.62%
Euler-v2Monad5.81MUSDC1.25%7.86%6.57%
Midas-rwaEthereum26.25MUSDC0%7.96%6.48%
Rhea-lendNear2.05MUSDT0%8.44%6.47%
Loopscale-lendingSolana2.70MUSDC0%7%6.46%
Harvest-financeBase1.06MUSDC0%7.32%6.37%
Harmonix-financeHyperliquid L118.64MUSDC0%6.77%6.32%
Midas-rwaBase51.54MUSDC0%2.61%6.2%
Midas-rwaRobinhood Chain36.04MUSDC0%2.66%6.2%
Midas-rwaEthereum34.06MUSDC0%6.67%6.1%
Kamino-lendSolana6.88MUSDC0%6.43%6.08%
Kamino-lendSolana2.33MUSDC0%4.64%6.03%
Fluid-lendingArbitrum55.87MUSDC0%4.2%5.61%
MapleEthereum648.33MUSDT0%4.8%5.44%
Aave-v3Avalanche5.63MUSDC0%4.94%5.43%
Benqi-lendingAvalanche1.82MUSDC0%5.94%5.39%
AutofinanceEthereum7.63MUSDC1.08%6.17%5.33%
AccountableMonad7.21MUSDC0.5%5.86%5.23%
Compound-v3Ethereum35.94MUSDC0%4.66%5.19%
Alchemix-v3Ethereum7.73MUSDC0%5.45%5.04%
Native-credit-poolEthereum1.14MUSDC0%4.93%4.93%
AutofinanceBase3.69MUSDC5.17%10.48%4.89%
Lista-lendingBSC1.56MUSDT0%6.38%4.84%
Fluid-lendingEthereum129.05MUSDC0%4.5%4.78%
Storm-tradeTON2.71MUSDT0%5.11%4.78%
Yearn-financeBase1.53MUSDC0%4.93%4.78%
Yo-protocolBase8.13MUSDC0%4.24%4.77%
Yo-protocolEthereum1.35MUSDC0%4.25%4.77%
Navi-lendingSui10.08MUSDC0.58%5.16%4.76%
Fluid-lendingEthereum130.92MUSDT0%4.56%4.63%
Rhea-lendNear2.14MUSDC0%7.4%4.51%
Fusion-by-iporBase2.59MUSDC0%6.23%4.48%
Centrifuge-protocolBase7.15MUSDC0%3.78%4.46%
Centrifuge-protocolPharos4.56MUSDC0%3.19%4.46%
Centrifuge-protocolBSC1.01MUSDC0%3.19%4.46%
Centrifuge-protocolBSC1.01MUSDC0%3.19%4.46%
Flux-financeEthereum1.96MUSDT0%4.45%4.44%
Kamino-lendSolana10.87MUSDC0%4.58%4.42%
TydroInk14.30MUSDC0%4.05%4.41%
Midas-rwaEthereum6.44MUSDC0%3.77%4.4%
Midas-rwaEtherlink1.13MUSDC0%3.73%4.4%
Kamino-lendSolana1.44MUSDC0%4.22%4.4%
ExactlyOP Mainnet1.59MUSDC0%4.39%4.38%
ExactlyOP Mainnet1.59MUSDC0%4.33%4.34%
Ember-protocolEthereum2.04MUSDC0%4.42%4.32%
ExactlyOP Mainnet1.59MUSDC0%4.33%4.32%
ExactlyOP Mainnet1.59MUSDC0%4.27%4.3%
CurvanceMonad3.11MUSDC1.8%5.88%4.29%
SymbiosisEthereum1.33MUSDC0%4.71%4.26%
ExactlyOP Mainnet1.59MUSDC0%4.19%4.23%
ExactlyOP Mainnet1.59MUSDC0%4.13%4.2%
Yearn-financeEthereum2.39MUSDC0%4%4.16%
ExactlyOP Mainnet1.59MUSDC0%4.18%4.15%
Flux-financeEthereum1.57MUSDC0%4%4.15%
Aave-v3Monad14.09MUSDC1.7%6.06%4.11%
ExactlyOP Mainnet1.59MUSDC0%3.95%4.07%
Kamino-lendSolana1.45MUSDT0%3.34%4.06%
Aave-v4Ethereum2.79MUSDC0%4.83%4.05%
ExactlyOP Mainnet1.59MUSDC0%0.33%4.02%
Aave-v3Avalanche2.55MUSDT0%4.19%3.97%
ExactlyOP Mainnet1.59MUSDC0%2.23%3.83%
Hyperlend-pooledHyperliquid L16.94MUSDC0%4.81%3.78%
Yearn-financeEthereum19.57MUSDC0%3.7%3.74%
Fusion-by-iporBase1.06MUSDC2.04%6.75%3.73%
Aave-v3Base20.19MUSDC0%3.79%3.72%
Aave-v3Ethereum156.88MUSDC0%4.1%3.68%
Aave-v3Ethereum57.59MUSDC1.69%5.68%3.68%
Aave-v3Ethereum197.93MUSDT0%3.62%3.65%
Aave-v3Ethereum63.75MUSDT1.6%5.11%3.65%
Aave-v4Ethereum2.27MUSDT0%4.08%3.6%
Spark-savingsEthereum307.93MUSDC0%3.6%3.6%
Spark-savingsAvalanche8.63MUSDC0%3.6%3.6%
Spark-savingsEthereum447.38MUSDT0%3.44%3.5%
Midas-rwaEtherlink4.94MUSDC0%5.19%3.45%
Venus-core-poolBSC10.44MUSDC0%3.39%3.41%
Midas-rwaEthereum72.74MUSDC0%3.45%3.4%
Midas-rwaEtherlink1.22MUSDC0%3.45%3.4%
SparklendEthereum15.94MUSDT0%3.39%3.39%
SparklendEthereum4.10MUSDC0%3.42%3.39%
Yearn-financeEthereum1.12MUSDC0%3.42%3.37%
Aave-v3BSC1.64MUSDC0%3.32%3.35%
DolomiteEthereum29.21MUSDC3.98%7.32%3.33%
Benqi-lendingAvalanche1.05MUSDT0%3.56%3.33%
Native-credit-poolEthereum1.87MUSDT0%3.31%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Venus-core-poolBSC47.38MUSDT0%2.94%3.28%
Aave-v3Arbitrum17.98MUSDC0%2.97%3.23%
Aave-v3Ethereum14.42MDAI0%3.12%3.22%
Compound-v3Ethereum17.68MUSDT0%3.04%3.21%
Yearn-financeEthereum5.74MUSDT0%3.31%3.15%
Compound-v3Arbitrum2.33MUSDC0%2.93%3.03%
Aave-v3OP Mainnet1.47MUSDC0%2.73%2.98%
Lista-lendingBSC2.70MUSDT0%3.31%2.92%
Aave-v3Ethereum1.49MUSDC0%3.22%2.9%
Fluid-lendingBase15.38MUSDC5.16%5.86%2.9%
SaveSolana5.92MUSDC0%3.11%2.9%
Aave-v3BSC12.49MUSDT0%2.83%2.88%
Aave-v3Polygon11.65MUSDC0%3.02%2.83%
Yearn-financeEthereum7.30MDAI0%3.07%2.83%
SparklendEthereum85.98MDAI0%2.55%2.71%
Kamino-lendSolana1.41MUSDC0%6.32%2.63%
Loopscale-lendingSolana2.58MUSDC2.66%10.08%2.61%
Venus-fluxBSC1.60MUSDT0%2.8%2.53%
Lista-lendingBSC1.38MUSDT0%3.14%2.53%
Compound-v3Arbitrum4.72MUSDT0%2.56%2.45%
Kamino-lendSolana2.04MUSDC0%1.75%2.41%
Aave-v3Xlayer1.98MUSDC0%3.01%2.36%
Gami-labsBase3.03MUSDC0%2.92%2.33%
Spectra-metavaultsBase3.03MUSDC0%2.97%2.33%
Echelon-marketAptos1.78MUSDC2.9%4.45%2.04%
CurrentSui20.81MUSDC6.04%8.69%1.92%
SaveSolana2.28MUSDT0%1.83%1.92%
Justlend-v1Tron105.43MUSDT0%2.18%1.71%
Lista-lendingEthereum4.47MUSDC6.02%7.06%1.35%
ExactlyOP Mainnet1.59MUSDC0%0.99%1.13%
Lista-lendingEthereum3.92MUSDT4.53%6.11%0.99%
AcrossEthereum1.12MUSDT2.9%2.63%0.9%
Aave-v4Avalanche6.76MUSDC4.12%5.11%0.48%
TectonicCronos1.35MUSDC0.02%0.55%0.46%
Lista-lendingBSC1.03MUSDC7.87%4.3%0.37%
Aave-v4Avalanche7.69MUSDT6.02%6.65%0.16%
AcrossEthereum1.10MUSDC4.28%4.55%0.09%
CredixSolana13.41MUSDC0%0.07%0.07%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum693.4M9.63%
Avalanche734.1M3.19%
Base16143.7M7.24%
BSC15128.1M4.27%
Ethereum693B6.06%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon111.6M2.83%
Solana1765M12.16%
TON12.7M4.78%
zkSync Era000%