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 3.70% on Jul 16 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
19/07/2026 20:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableMonad3.01MUSDC0.78%41.86%40.49%
AccountableMonad69.91MUSDC0.24%13.08%17.6%
AccountableEthereum1.05MUSDC0%14.25%14.25%
AccountableEthereum1.05MUSDC0%14.25%14.25%
Harvest-financeBase1.87MUSDC0%14.63%13.66%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum8.80MUSDC0%12.84%12.9%
Midas-rwaEthereum1.98MUSDC0%10.13%12.76%
AccountableEthereum2.15MUSDC0%10.86%11.66%
Ember-protocolSui1.09MUSDC0%9.62%11.27%
Pareto-creditEthereum15.17MUSDC0%10.59%10.59%
Midas-rwaEthereum47MUSDC0%10.56%10.57%
Midas-rwaMonad1.88MUSDC0%10.56%10.57%
Midas-rwaEthereum73.75MUSDC0%12.31%10.34%
Lista-lendingBSC6.17MUSDT0%4.66%10.24%
AccountableMonad5.21MUSDC0.47%10.48%10%
GoldfinchEthereum36.72MUSDC0%10.1%10%
Lista-lendingBSC1.91MUSDT0.88%6.47%9.99%
AccountableMonad10.05MUSDC0.44%9.58%9.94%
AvantisBase21.59MUSDC0%9.72%9.87%
Pareto-creditEthereum2.13MUSDC0%9.38%9.38%
Bracket-vaultsEthereum2.65MUSDC0%9.62%9.34%
Ember-protocolEthereum3.30MUSDC0%9.16%9.21%
Midas-rwaEtherlink4.67MUSDC0%7.53%8.94%
Midas-rwaEthereum7.72MUSDC0%8.81%8.74%
Ember-protocolSui1.36MUSDC0%8.28%8.61%
Midas-rwaEthereum6.65MUSDC0%7.8%8.37%
Midas-rwaEthereum2.50MUSDC0%7.78%8.37%
Pareto-creditEthereum159.66MUSDC0%8.31%8.31%
Midas-rwaEthereum29.02MUSDC0%3.8%8.27%
Harmonix-financeHyperliquid L120.73MUSDC0%9.01%8.15%
YieldseekerBase1.95MUSDC0%8.24%8.14%
Bitway-earnBSC23.30MUSDT0%8.75%8%
Ember-protocolSui7MUSDC4%12%8%
Ember-protocolSui3.53MUSDC0%8.94%7.92%
Midas-rwaEthereum4.54MUSDC0%6.37%7.82%
Ember-protocolSui1.20MUSDC0%10.45%7.75%
Blend-pools-v2Stellar11.95MUSDC0%7.05%7.41%
Pareto-creditEthereum21.81MUSDC0%7.13%7.13%
AccountableMonad1.62MUSDC0.5%7.36%7.03%
Gami-labsStellar16.46MUSDC0%7%7%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
Yearn-financeEthereum6.17MUSDC0%5.99%6.79%
Zerobase-cedefiBSC21.44MUSDT2%8.76%6.76%
Zerobase-cedefiBSC1.97MUSDC2%8.76%6.76%
Gains-networkArbitrum6.70MUSDC0%5.63%6.63%
AutofinanceEthereum8.72MUSDC0.42%6.58%6.61%
Extra-finance-leverage-farmingBase3.45MUSDC0%6.34%6.53%
Euler-v2Monad2.13MUSDC2.63%6.17%6.47%
LoopscaleSolana3.76MUSDC0.22%7.77%6.33%
Harvest-financeEthereum1.17MUSDC0%7.77%6.32%
Yearn-financeEthereum9.11MUSDC0%5.97%6.11%
Kamino-lendSolana5.86MUSDC0%7.04%6.05%
Hyperlend-pooledHyperliquid L111.45MUSDC0%6.71%5.88%
AccountableEthereum3.95MUSDC10.22%15.75%5.87%
Storm-tradeTON3.61MUSDT0%5.92%5.74%
Yearn-financeEthereum1.19MUSDC0%4.71%5.74%
Ember-protocolSui1.10MUSDC6.64%11.51%5.66%
SymbiosisTron1.36MUSDT0%6.13%5.52%
Fluid-lendingArbitrum35.53MUSDC0%5.75%5.34%
Fusion-by-iporEthereum2.91MUSDC0%6.23%5.33%
Ember-protocolSui5.75MUSDC0%5.86%5.22%
Fluid-lendingEthereum138.88MUSDC0%6.04%5.2%
Fluid-lendingEthereum9.08MUSDC0%5.67%5.2%
AutofinanceBase5.83MUSDC2.22%7.22%5.15%
LoopscaleSolana1.35MUSDC0%6.04%5.05%
Navi-lendingSui6.97MUSDC0.43%5.75%4.98%
Yearn-financeBase1.77MUSDC0%4.94%4.98%
Fluid-lendingBase8.80MUSDC0%5.46%4.96%
Kamino-lendSolana3.97MUSDC0%4.72%4.9%
DolomiteArbitrum1.27MUSDC0%4.51%4.7%
Centrifuge-protocolPlume Mainnet33MUSDC0%4.65%4.52%
Centrifuge-protocolMonad10.05MUSDC0%4.87%4.52%
Flux-financeEthereum1.90MUSDT0%4.46%4.45%
ExactlyOP Mainnet1.73MUSDC0%4.21%4.32%
ExactlyOP Mainnet1.73MUSDC0%4.18%4.24%
ExactlyOP Mainnet1.73MUSDC0%4.13%4.23%
MapleEthereum0.93BUSDT0%4.06%4.19%
ExactlyOP Mainnet1.73MUSDC0%4.03%4.16%
ExactlyOP Mainnet1.73MUSDC0%4.09%4.16%
Aave-v3Ethereum8.52MDAI0%4.42%4.15%
Moonwell-lendingBase2.05MUSDC0.35%5.06%4.14%
Fluid-lendingEthereum138.03MUSDT0%5.55%4.13%
ExactlyOP Mainnet1.73MUSDC0%3.86%4.05%
ExactlyOP Mainnet1.73MUSDC0%3.98%4.04%
Yo-protocolBase10.12MUSDC0%4.14%4.04%
Yo-protocolEthereum2.38MUSDC0%4.14%4.04%
ExactlyOP Mainnet1.73MUSDC0%3.64%3.97%
Aave-v3Avalanche5.45MUSDC0%3.34%3.89%
AmpleBase4.31MUSDC0%4.4%3.86%
Benqi-lendingAvalanche4.51MUSDC0%3.75%3.85%
TermmaxBase1.20MUSDC0%3.91%3.85%
Scallop-lendSui1.11MUSDC0%4.3%3.84%
Jupiter-lendSolana419.89MUSDC0.72%4.81%3.83%
Ember-protocolSui1.19MUSDC0%3.06%3.82%
ExactlyOP Mainnet1.73MUSDC0%3.97%3.81%
Kamino-lendSolana1.27MUSDT0%3.53%3.8%
Flux-financeEthereum2.59MUSDC0%3.72%3.72%
Kamino-lendSolana18.94MUSDC0%4.44%3.72%
Lazy-summer-protocolEthereum4.05MUSDC0.36%4%3.7%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum451.1M5.92%
Avalanche210M3.87%
Base1162.9M6.29%
BSC554.8M8.35%
Ethereum361.7B7.8%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon000%
Solana7455.1M4.81%
TON13.6M5.74%
zkSync Era000%