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
10/08/2026 10:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AzuroPolygon1.35MUSDT0%24.66%86.45%
Neutral-tradeSolana2.13MUSDC0%37.57%42.94%
AccountableMonad7.64MUSDC0.97%30.49%24.77%
Midas-rwaEthereum1.73MUSDC0%10.44%17.5%
Ember-protocolSui1.21MUSDC0%11.3%16.46%
AccountableMonad100.29MUSDC0.28%16.93%16%
Midas-rwaEtherlink4.79MUSDC0%9.01%14.91%
AccountableEthereum1.06MUSDC1.25%14.39%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum7.08MUSDC0%12.85%12.9%
AccountableEthereum4.07MUSDC9.82%21.96%11.4%
Hyperlend-pooledHyperliquid L19.14MUSDC0%7.22%10.84%
Ember-protocolSui1.31MUSDC0%8.83%10.84%
Pareto-creditEthereum15.29MUSDC0%10.59%10.58%
Harvest-financeBase1.87MUSDC0%11.99%10.48%
Ember-protocolSui6.40MUSDC0%9.26%10.35%
Midas-rwaEthereum71.71MUSDC0%10.27%10.33%
GoldfinchEthereum35.94MUSDC0%10.14%10.21%
Midas-rwaEthereum27.21MUSDC0%4.19%10%
AccountableMonad1.04MUSDC0%10.26%10%
YieldseekerBase1.25MUSDC0%8.97%9.86%
AccountableEthereum3.07MUSDC0%10.86%9.72%
Ember-protocolEthereum3.33MUSDC0%9.43%9.69%
Ember-protocolSui1.07MUSDC0%9.64%9.54%
Pareto-creditEthereum2.14MUSDC0%9.38%9.38%
Bracket-vaultsEthereum2.60MUSDC0%9.33%9.31%
Midas-rwaEthereum6.40MUSDC0%6.69%9.23%
Midas-rwaEtherlink1.12MUSDC0%6.71%9.23%
Ember-protocolEthereum5.92MUSDC0%6.98%9.22%
Midas-rwaEthereum39.45MUSDC0%9.92%9%
Midas-rwaEthereum8.07MUSDC0%9.39%8.81%
AvantisBase20.83MUSDC0%9.59%8.79%
Euler-v2Monad1.60MUSDC2.64%9.32%8.3%
Nawa-protocolZIGChain3.82MUSDC0%8.97%8.29%
Pareto-creditEthereum167.55MUSDC0%8.24%8.02%
Bitway-earnBSC24.59MUSDT0%8%8%
Ember-protocolSui8.23MUSDC4%12%8%
Centrifuge-protocolAvalanche261.01MUSDC0%4.12%7.92%
Centrifuge-protocolBase50.33MUSDC0%4.11%7.92%
AccountableMonad10.08MUSDC0.5%9.24%7.67%
Extra-finance-leverage-farmingBase3.17MUSDC0%6.75%7.4%
Neutral-tradeSolana3.15MUSDC0%6.85%7.35%
AccountableMonad1.08MUSDC0.5%7.68%7.28%
Pareto-creditEthereum21.94MUSDC0%7.13%7.13%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
Lista-lendingBSC2.11MUSDT0%7.03%7%
LoopscaleSolana1.43MUSDC0.27%7.08%6.97%
Ember-protocolEthereum17.37MUSDC0%6.73%6.95%
Euler-v2Ethereum4.92MUSDC0%4.56%6.94%
Zerobase-cedefiBSC20.14MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.06MUSDC2%8.76%6.76%
Yearn-financeEthereum7.03MUSDC0%7.09%6.6%
Blend-pools-v2Stellar15.65MUSDC0%7.46%6.44%
Yearn-financeEthereum1.19MUSDC0%5.91%6.44%
Yo-protocolBase1.10MUSDC0%6.85%6.38%
SentoraEthereum41.13MUSDC0%6.37%6.37%
Kamino-lendSolana4.50MUSDC0%6.86%6.31%
Midas-rwaEthereum6.67MUSDC0%7.48%6.19%
Midas-rwaEthereum2.50MUSDC0%7.48%6.19%
Ember-protocolSui1.16MUSDC5.02%11.54%6.05%
Harmonix-financeHyperliquid L118.60MUSDC0%7.38%6%
Centrifuge-protocolEthereum5.73MUSDC0%4.11%5.88%
Harvest-financeEthereum1.15MUSDC0%6.38%5.81%
SymbiosisTron1.12MUSDT0%5.19%5.63%
Storm-tradeTON3.19MUSDT0%5.72%5.57%
Ember-protocolSui4.79MUSDC0%6.06%5.51%
Fluid-lendingArbitrum38.49MUSDC0%5.23%5.46%
Yearn-financeEthereum9.13MUSDC0%5.96%5.38%
AutofinanceBase4.90MUSDC2.66%7.94%5.33%
AutofinanceEthereum8.54MUSDC0.42%6.41%5.29%
SparklendEthereum14.86MUSDT0%3.64%5.2%
Centrifuge-protocolMonad4.54MUSDC0%3.88%5.18%
Centrifuge-protocolPharos4.35MUSDC0%3.46%5.18%
Native-credit-poolEthereum4.55MUSDC0%4.34%5.11%
Fluid-lendingEthereum149.33MUSDC0%5.16%5.03%
Fluid-lendingEthereum8.97MUSDC0%5.16%5.03%
Jupiter-lendSolana410.66MUSDC0.74%4.85%4.96%
Yearn-financeBase1.81MUSDC0%4.94%4.91%
SymbiosisEthereum1.32MUSDC0%4.39%4.78%
LoopscaleSolana1.78MUSDC0%5.22%4.78%
Fusion-by-iporBase1.11MUSDC2.5%7.79%4.76%
Fusion-by-iporEthereum1.57MUSDC0%5.61%4.65%
Fluid-lendingBase9.27MUSDC0%5.28%4.63%
Alchemix-v3Ethereum7.50MUSDC0%4.55%4.63%
Navi-lendingSui7.63MUSDC0.43%5.5%4.62%
Benqi-lendingAvalanche3.27MUSDC0%4.01%4.53%
Flux-financeEthereum2.07MUSDT0%4.42%4.4%
Fluid-lendingEthereum136.31MUSDT0%4.51%4.4%
ExactlyOP Mainnet1.52MUSDC0%4.33%4.37%
DolomiteArbitrum1.40MUSDC0%4.63%4.34%
Kamino-lendSolana1.36MUSDC0%4.37%4.34%
ExactlyOP Mainnet1.52MUSDC0%4.26%4.29%
ExactlyOP Mainnet1.52MUSDC0%4.18%4.25%
ExactlyOP Mainnet1.52MUSDC0%4.17%4.2%
Yo-protocolBase9.74MUSDC0%4.24%4.2%
Yo-protocolEthereum2.05MUSDC0%4.24%4.2%
ExactlyOP Mainnet1.52MUSDC0%4.08%4.17%
MapleEthereum0.97BUSDT0%4.21%4.15%
ExactlyOP Mainnet1.52MUSDC0%4.06%4.12%
ExactlyOP Mainnet1.52MUSDC0%3.73%4.03%
ExactlyOP Mainnet1.52MUSDC0%4.13%4.02%
Kamino-lendSolana14.10MUSDC0%4.04%3.98%
Aave-v3Avalanche5.44MUSDC0%3.71%3.84%
Midas-rwaEthereum4.55MUSDC0%5.87%3.78%
AmpleBase4.41MUSDC0%4.08%3.75%
Flux-financeEthereum2.59MUSDC0%3.72%3.73%
ExactlyOP Mainnet1.52MUSDC0%3.44%3.7%
Aave-v3Ethereum1.22MUSDC0%3.03%3.64%
ExactlyOP Mainnet1.52MUSDC0%3.53%3.64%
Neutral-tradeSolana2.48MUSDC0%5.5%3.62%
Yearn-financeEthereum2.42MUSDC0%3.49%3.55%
Spark-savingsEthereum276.06MUSDC0%3.55%3.52%
Spark-savingsAvalanche11.78MUSDC0%3.55%3.52%
Ember-protocolSui1.19MUSDC0%3.37%3.52%
Aave-v3Monad14.23MUSDC2.23%7.64%3.5%
Spectra-metavaultsBase3.02MUSDC0%2.26%3.48%
Gami-labsBase3.02MUSDC0%2.26%3.48%
SparklendEthereum1.72MUSDC0%3.54%3.47%
Aave-v3Base22.12MUSDC0%3.27%3.44%
DolomiteEthereum28.02MUSDC3.96%7.54%3.35%
Compound-v3Ethereum33.94MUSDC0.1%3.56%3.34%
Native-credit-poolBSC5.07MUSDT0%3.93%3.34%
Yearn-financeEthereum7.15MUSDT0%3.09%3.32%
Yearn-financeEthereum26.39MUSDC0%3.27%3.32%
Centrifuge-protocolPlume Mainnet32.96MUSDC0%2.45%3.31%
Centrifuge-protocolMonad10.03MUSDC0%5.19%3.31%
Aave-v3Ethereum173.39MUSDC0%3.7%3.31%
Aave-v3Ethereum64.77MUSDC1.5%6.22%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Moonwell-lendingBase3.81MUSDC0.29%5.18%3.26%
Midas-rwaEthereum64.50MUSDC0%3.18%3.22%
Midas-rwaEtherlink1.22MUSDC0%3.2%3.22%
Aave-v3Ethereum13.10MDAI0%3.87%3.2%
Jupiter-lendSolana18.16MUSDT0%3.26%3.17%
Ember-protocolEthereum1.37MUSDC0%1.64%3.15%
Euler-v2Ethereum7.79MUSDC0%3.13%3.07%
Yearn-financeEthereum9.45MDAI0%3%3.03%
Aave-v3Avalanche3.52MUSDT0%3.29%3.03%
Compound-v3Ethereum28.74MUSDT0.1%3.05%3.02%
Gains-networkArbitrum6.11MUSDC0%4.95%2.94%
Aave-v3Polygon12.10MUSDC0%2.74%2.9%
Aave-v3OP Mainnet1.73MUSDC0%3.2%2.88%
Aave-v3BSC2.37MUSDC0%2.74%2.81%
Native-credit-poolEthereum1.82MUSDT0%3.27%2.79%
Kamino-lendSolana2.82MUSDT0%3.63%2.78%
Spark-savingsEthereum379.63MUSDT0%2.75%2.75%
Compound-v3Arbitrum3.66MUSDC0%2.7%2.74%
Aave-v3Ethereum496.77MUSDT0%2.68%2.74%
Aave-v3Ethereum75.42MUSDT1.35%5.6%2.74%
Scallop-lendSui1.22MUSDC0%3.08%2.53%
SaveSolana5.16MUSDC0%2.37%2.51%
Aave-v3Arbitrum39.34MUSDC0%2.6%2.37%
Aave-v3Ethereum1.77MUSDC0%2.07%2.36%
Benqi-lendingAvalanche1.98MUSDT0%2.44%2.33%
Echelon-marketAptos1.42MUSDC1.53%3.59%2.32%
Venus-core-poolBSC17.49MUSDC0%2.74%2.29%
Aave-v4Ethereum3.97MUSDT0%3.13%2.28%
SparklendEthereum112.65MDAI0%2.24%2.17%
Justlend-v1Tron82.59MUSDT0%2.88%2.14%
Lista-lendingBSC4.08MUSDT0%4.2%2.14%
Venus-fluxBSC2.80MUSDT0%2.58%2.12%
Aave-v3BSC16.61MUSDT0%2.26%2.09%
CurrentSui6.80MUSDC7.99%8.91%2.05%
Compound-v3Arbitrum9MUSDT0%1.94%1.95%
Aave-v3Arbitrum1.21MDAI0%1.91%1.92%
Aave-v3Sonic1.18MUSDC0%1.94%1.92%
Venus-core-poolBSC89.17MUSDT0%2.3%1.9%
Lista-lendingBSC1.01MUSDT0%1.92%1.88%
Lista-lendingBSC1.01MUSDT0%1.92%1.88%
Venus-core-poolBSC1.01MDAI0%1.8%1.83%
MetromKatana8.64MUSDC2.1%4.01%1.78%
MetromKatana2.46MUSDT0%1.75%1.76%
TydroInk5.90MUSDC0%1.65%1.68%
Aave-v4Ethereum1.16MUSDT0%1.28%1.53%
Aave-v4Ethereum1.20MUSDC0%1.39%1.47%
SaveSolana2.28MUSDT0%1.4%1.42%
Neutral-tradeSolana1.13MUSDC0%2.97%1.41%
Kamino-lendSolana1.29MUSDC0%1.34%1.35%
Aave-v3Mantle1.03MUSDC0%5.69%1.31%
NeverlandMonad2.70MUSDC5.11%5.17%1.07%
ExactlyOP Mainnet1.52MUSDC0%0.94%1%
Lista-lendingEthereum3MUSDC5.6%6.23%0.5%
Zest-v2Stacks10.08MUSDC0%0.48%0.5%
Lista-lendingBSC4.11MUSDT0%3.45%0.5%
Lista-lendingEthereum3.06MUSDT6.91%5.5%0.25%
TectonicCronos44.55MUSDT0%0.15%0.15%
TectonicCronos53.86MUSDC0%0.12%0.12%
AcrossEthereum1.58MUSDT1.21%1.56%0.08%
AcrossEthereum1.09MUSDC4.03%4.41%0.07%
Aave-v4Avalanche3.73MUSDC0%0.69%0.06%
CredixSolana13.48MUSDC0%0.11%0.04%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum8106.9M3.59%
Avalanche7290.7M3.6%
Base16141.8M5.76%
BSC15193.6M3.42%
Ethereum723.7B5.49%
Hyperliquid000%
Mantle11M1.31%
Optimism000%
Polygon213.5M44.68%
Solana16485.9M6.12%
TON13.2M5.57%
zkSync Era000%