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
22/08/2026 22:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Centrifuge-protocolPlume Mainnet20.78MUSDC0%3.61%20.01%
Centrifuge-protocolMonad10.07MUSDC0%3.4%20.01%
EnsuroEthereum1.08MUSDC0%20.33%19.55%
AccountableEthereum3.61MUSDC10.68%23.92%17.21%
AccountableEthereum1.01MUSDC1.25%14.91%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
AccountableMonad94.99MUSDC0.4%16.07%13.6%
Ember-protocolEthereum7.05MUSDC0%12.86%12.9%
Midas-rwaEtherlink4.82MUSDC0%9.36%11.7%
AccountableEthereum10.16MUSDC0%11.64%11.64%
AccountableMonad5.04MUSDC0.5%12.14%11.64%
AccountableEthereum3.29MUSDC0%10.69%11.56%
Ember-protocolSui1.41MUSDC0%9.79%11.52%
Ember-protocolEthereum16.96MUSDC0%7.41%11.01%
Pareto-creditEthereum15.29MUSDC0%10.59%10.58%
Ember-protocolEthereum7.63MUSDC0%9.28%10.55%
Midas-rwaEthereum1.74MUSDC0%11.04%10.39%
GoldfinchEthereum35.95MUSDC0%10.21%10.21%
Ember-protocolSui7.11MUSDC0%9.85%10.04%
Harvest-financeBase1.87MUSDC0%10.81%10.04%
AguaEthereum6.89MUSDC0%10%10%
Ember-protocolEthereum3.36MUSDC0%9.58%9.52%
Pareto-creditEthereum2.17MUSDC0%9.38%9.38%
Ember-protocolSui1.08MUSDC0%8.63%9.29%
Midas-rwaEthereum6.40MUSDC0%9%9.23%
Midas-rwaEtherlink1.12MUSDC0%9%9.23%
Gains-networkArbitrum4.40MUSDC0%4.14%9.1%
YieldseekerBase1.12MUSDC0%9.45%8.96%
Midas-rwaEthereum7.86MUSDC0%9.32%8.58%
Midas-rwaEthereum71.12MUSDC0%10.05%8.55%
Midas-rwaEthereum6.69MUSDC0%7.34%8.5%
Midas-rwaEthereum2.51MUSDC0%7.35%8.35%
Pareto-creditEthereum168.50MUSDC0%8.13%8.02%
Bitway-earnBSC25.67MUSDT0%8%8%
Ember-protocolSui9.36MUSDC4%12%8%
Neutral-tradeSolana2.30MUSDC0%5.38%7.99%
AccountableMonad1.26MUSDC0.5%7.78%7.28%
Pareto-creditEthereum21.92MUSDC0%7.13%7.13%
Extra-finance-leverage-farmingBase3.33MUSDC0%7.01%7.04%
Zerobase-cedefiEthereum14.05MUSDT2%9%7%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
Zerobase-cedefiBase4.54MUSDC2%9%7%
Euler-v2Monad1.22MUSDC1.25%10.38%6.93%
SentoraEthereum46.73MUSDC0%6.85%6.88%
Nawa-protocolZIGChain3.42MUSDC0%9.5%6.85%
Yearn-financeEthereum8.60MUSDC0%6.06%6.84%
Zerobase-cedefiBSC19.07MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.02MUSDC2%8.76%6.76%
Yearn-financeEthereum6.84MUSDC0%6.94%6.6%
LoopscaleSolana3.31MUSDC0.3%7.03%6.47%
Blend-pools-v2Stellar14.65MUSDC0%6.91%6.35%
Harmonix-financeHyperliquid L123.63MUSDC0%6.56%6.27%
Fluid-lendingEthereum131.97MUSDT0%4.42%6.21%
Kamino-lendSolana5.80MUSDC0%6.76%6.2%
AccountableMonad9.94MUSDC0.5%8.03%6.13%
Navi-lendingSui3.61MUSDC0.61%5.43%6.01%
Yearn-financeEthereum1.19MUSDC0%6.33%5.99%
Kamino-lendSolana5.07MUSDC0%4.25%5.75%
Midas-rwaEthereum37.43MUSDC0%8.37%5.73%
Hyperlend-pooledHyperliquid L114.23MUSDC0%6.97%5.65%
Kamino-lendSolana1.98MUSDC0%5.15%5.59%
Storm-tradeTON3.03MUSDT0%5.61%5.48%
AvantisBase18.06MUSDC0%8.76%5.42%
AutofinanceBase7.67MUSDC2.11%8.08%5.33%
AutofinanceEthereum8.08MUSDC0.79%5.92%5.22%
LoopscaleSolana1.32MUSDC0%4.87%5.2%
Centrifuge-protocolAvalanche261.50MUSDC0%5.17%5.15%
Centrifuge-protocolBase50.43MUSDC0%5.17%5.15%
Centrifuge-protocolEthereum5.71MUSDC0%5.15%5.15%
Yearn-financeBase1.82MUSDC0%4.92%4.99%
Lista-lendingBSC2.45MUSDT4.56%7.17%4.65%
Jupiter-lendSolana18.46MUSDT0%3.39%4.6%
Alchemix-v3Ethereum7.81MUSDC0%4.52%4.59%
Ember-protocolSui1.20MUSDC0%3.53%4.56%
Fluid-lendingBase9.42MUSDC0%5.21%4.55%
Fluid-lendingEthereum151.76MUSDC0%5.12%4.46%
Fluid-lendingEthereum3.86MUSDC0%5.13%4.46%
Flux-financeEthereum2.07MUSDT0%4.41%4.4%
Jupiter-lendSolana435.62MUSDC0.69%5%4.38%
ExactlyOP Mainnet1.61MUSDC0%4.36%4.37%
DolomiteArbitrum1.21MUSDC0%4.24%4.35%
MapleEthereum1.02BUSDT0%4.21%4.35%
Fluid-lendingArbitrum46.08MUSDC0%4.96%4.33%
ExactlyOP Mainnet1.61MUSDC0%4.29%4.31%
ExactlyOP Mainnet1.61MUSDC0%4.23%4.27%
ExactlyOP Mainnet1.61MUSDC0%4.19%4.21%
Benqi-lendingAvalanche3.79MUSDC0%4.24%4.21%
ExactlyOP Mainnet1.61MUSDC0%4.16%4.2%
Aave-v3Avalanche5.14MUSDC0%3.74%4.15%
ExactlyOP Mainnet1.61MUSDC0%4.11%4.15%
Harvest-financeEthereum1.15MUSDC0%6.43%4.11%
ExactlyOP Mainnet1.61MUSDC0%4.05%4.06%
ExactlyOP Mainnet1.61MUSDC0%3.92%4.06%
Yo-protocolBase9.46MUSDC0%4.21%3.94%
Yo-protocolEthereum1.51MUSDC0%4.21%3.94%
ExactlyOP Mainnet1.61MUSDC0%3.59%3.9%
AmpleBase4.34MUSDC0%4.04%3.89%
TermmaxEthereum3.34MUSDC0%4.05%3.89%
Ember-protocolEthereum2.03MUSDC0%2.33%3.86%
Midas-rwaEthereum3.49MUSDC0%4.44%3.78%
Flux-financeEthereum2.59MUSDC0%3.73%3.73%
Aave-v3Avalanche2.46MUSDT0%3.26%3.71%
Yearn-financeEthereum2.43MUSDC0%3.54%3.71%
Moonwell-lendingBase2.47MUSDC0.07%6.79%3.69%
Centrifuge-protocolMonad4.54MUSDC0%3.66%3.6%
Centrifuge-protocolPharos4.39MUSDC0%3.66%3.6%
SymbiosisEthereum1.60MUSDC0%4.85%3.59%
Spark-savingsEthereum256.23MUSDC0%3.52%3.52%
Spark-savingsAvalanche12.06MUSDC0%3.52%3.52%
Compound-v3Ethereum35.27MUSDC0.11%3.47%3.48%
SparklendEthereum1.73MUSDC0%3.48%3.47%
DolomiteEthereum26.18MUSDC4.67%7.49%3.45%
Midas-rwaEthereum64.91MUSDC0%3.28%3.45%
Midas-rwaEtherlink1.22MUSDC0%3.3%3.45%
Yearn-financeEthereum25.57MUSDC0%3.3%3.39%
Native-credit-poolEthereum1.79MUSDT0%3.02%3.31%
Aave-v3Ethereum239.24MUSDT0%2.81%3.3%
Aave-v3Ethereum74.58MUSDT1.37%4.52%3.3%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Aave-v3Ethereum194.60MUSDC0%3.75%3.25%
Aave-v3Ethereum65.65MUSDC1.48%5.4%3.25%
Yearn-financeEthereum7.57MDAI0%3.07%3.22%
Aave-v3Base30MUSDC0%3.48%3.14%
Native-credit-poolBSC3.98MUSDT0%3.32%3.14%
Aave-v4Ethereum1.80MUSDT0%2.39%3.11%
Euler-v2Ethereum7.65MUSDC0%3.1%3.04%
Kamino-lendSolana1.38MUSDC0%4.67%3.01%
Compound-v3Ethereum29.29MUSDT0.12%3.14%3.01%
Spark-savingsEthereum361.81MUSDT0%2.85%3%
Aave-v3Monad22.09MUSDC2.34%6.26%2.97%
Yearn-financeEthereum7.43MUSDT0%3.19%2.97%
Project-0Solana2.29MUSDC0%4.61%2.93%
Euler-v2Ethereum7.29MUSDC0%4.34%2.9%
Aave-v3Ethereum1.67MUSDC0%3.04%2.79%
Compound-v3Arbitrum3.41MUSDC0%2.74%2.78%
Aave-v3BSC2.31MUSDC0%3.01%2.77%
Aave-v3Polygon12.41MUSDC0%2.77%2.77%
CurvanceMonad2.36MUSDC2.7%5.27%2.72%
Compound-v3Arbitrum3.77MUSDT0%2.05%2.67%
SparklendEthereum60.97MUSDT0%3.74%2.66%
Aave-v3Ethereum1.55MUSDC0%2.16%2.65%
Aave-v3Ethereum26.81MDAI0%3.06%2.62%
Venus-fluxBSC2.29MUSDT0%2.42%2.54%
Centrifuge-protocolEthereum1.68MUSDC0%1.35%2.42%
LoopscaleSolana1.65MUSDC7.09%8.28%2.42%
Venus-core-poolBSC16.53MUSDC0%2.57%2.41%
SaveSolana6.58MUSDC0%2.37%2.31%
Aave-v3Arbitrum43.20MUSDC0%2.48%2.28%
Aave-v3BSC14.75MUSDT0%2.16%2.24%
Aave-v3OP Mainnet3.03MUSDC0%2.97%2.2%
Venus-core-poolBSC81.17MUSDT0%2.13%2.2%
SparklendEthereum114.36MDAI0%2.17%2.17%
Justlend-v1Tron79.42MUSDT0%2.53%2.15%
Midas-rwaEthereum26.21MUSDC0%5.42%2.04%
Lista-lendingBSC3.74MUSDT0%2.92%2.04%
CurrentSui11.52MUSDC7.78%9.5%2.02%
TydroInk5.40MUSDC0%1.84%1.98%
Lista-lendingBSC1.01MUSDT0%1.89%1.85%
Lista-lendingBSC1.01MUSDT0%1.89%1.85%
Venus-core-poolBSC1.01MDAI0%1.81%1.84%
Aave-v3Sonic1.19MUSDC0%1.92%1.83%
Aave-v4Ethereum1.04MUSDT0%1.42%1.74%
Aave-v4Ethereum1.74MUSDC0%1.69%1.69%
SaveSolana2.18MUSDT0%1.42%1.62%
Aave-v4Ethereum1.12MUSDC0%1.56%1.61%
Gami-labsBase3.02MUSDC0%2.6%1.57%
Spectra-metavaultsBase3.02MUSDC0%2.61%1.57%
Echelon-marketAptos1.85MUSDC1.53%3.76%1.57%
NeverlandMonad2.33MUSDC7.42%6.67%1.29%
ExactlyOP Mainnet1.61MUSDC0%0.99%0.98%
Zest-v2Stacks10.08MUSDC0%0.51%0.59%
Lista-lendingEthereum2.59MUSDT5.05%5.68%0.53%
Lista-lendingBSC3.53MUSDT0%1.99%0.43%
Lista-lendingEthereum3.53MUSDC5.83%6.4%0.16%
Aave-v4Avalanche4.83MUSDC0%0.31%0.16%
TectonicCronos45.06MUSDT0%0.15%0.15%
TectonicCronos54.03MUSDC0%0.12%0.12%
CredixSolana13.48MUSDC0%0.06%0.04%
AcrossEthereum1.09MUSDC4.14%4.44%0.03%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum7109.7M4.65%
Avalanche6289.8M3.48%
Base15150.6M5.09%
BSC15180.5M3.3%
Ethereum743.5B5.64%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon112.4M2.77%
Solana14501.4M4.18%
TON13M5.48%
zkSync Era000%