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 3.62% on Apr 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
20/04/2026 11:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Euler-v2Avalanche1.54MUSDC0%7.85%48%
Fluid-lendingArbitrum28.02MUSDC1.11%6.52%14.12%
Venus-fluxBSC38.60MUSDT10.24%9.57%13.55%
Canto-lendingCanto1.35MUSDC0%12.8%12.82%
AvantisBase55.63MUSDC0%9.74%12.2%
Fluid-lendingBase8.48MUSDC2.53%7.07%11.68%
Bracket-vaultsEthereum2.70MUSDC0%11.98%11.49%
BitwayBSC13.53MUSDT0%11.53%11%
AutofinanceArbitrum1.90MUSDC1.91%8.38%10.4%
GoldfinchEthereum37.25MUSDC0%10.04%10.06%
AbyssSui1.86MUSDC0%8.83%9.71%
Aave-v3Ethereum7.61MDAI0%2.7%9.5%
Kamino-lendSolana7.08MUSDC0%2.51%8.98%
Blend-pools-v2Stellar10.01MUSDC0%9.32%8.94%
Fluid-lendingEthereum4.82MUSDC0%3.49%8.21%
Fluid-lendingEthereum162.01MUSDC1.2%4.48%8.21%
SymbiosisEthereum1.10MUSDC0%6.44%8.11%
Harvest-financeEthereum1.08MUSDC0%1.75%7.87%
LoopscaleSolana1.09MUSDC0.62%8.39%7.75%
SymbiosisTron1.44MUSDT0%6.94%7.43%
Zerobase-cedefiArbitrum7.94MUSDT2%9%7%
Zerobase-cedefiEthereum14.44MUSDT2%9%7%
Storm-tradeTON3.96MUSDT0%5.34%7%
Harvest-financeBase2.02MUSDC0%6.25%6.93%
Zerobase-cedefiBSC1.36MUSDC2%8.83%6.76%
Zerobase-cedefiBSC23.34MUSDT2%9.07%6.76%
Spectra-metavaultsBase2.30MUSDC6.56%93.64%6.73%
AutofinanceEthereum9.58MUSDC0.51%5.81%6.39%
Extra-finance-leverage-farmingBase3.71MUSDC0%5.11%6.23%
Euler-v2Monad1.02MUSDC0%2.17%6.09%
Euler-v2Monad1.02MUSDC0%2.17%6.09%
TermmaxBase1.24MUSDC0%4.03%6%
Yearn-financeEthereum2.43MUSDC0%5.49%5.92%
Gains-networkArbitrum8.44MUSDC0%6.43%5.83%
Fluid-lendingEthereum116.57MUSDT1.67%5.26%5.55%
Yo-protocolBase21.90MUSDC12%14.11%5.42%
Yo-protocolEthereum3.95MUSDC12%14.11%5.42%
LoopscaleSolana1.57MUSDC0%5.16%5.37%
DeltaprimeAvalanche1.17MUSDC0%5.26%5.06%
Lazy-summer-protocolBase2.34MUSDC0.7%3.64%5.06%
AutofinanceBase5.90MUSDC3.33%6.93%4.96%
Fusion-by-iporBase1.58MUSDC0%2.88%4.96%
AutofinanceEthereum8.76MUSDC0%4.4%4.77%
Woofi-earnArbitrum1.14MUSDC0%4.73%4.73%
Flux-financeEthereum1.57MUSDT0%4.6%4.67%
MapleEthereum1.98BUSDT0%3.76%4.66%
Euler-v2Ethereum21.88MUSDC0%3.69%4.64%
DolomiteEthereum11.70MUSDC0%5.37%4.35%
Hyperlend-pooledHyperliquid L115.05MUSDC0%4.14%4.35%
SparklendEthereum2.67MUSDC0%4.1%4.14%
Euler-v2Ethereum3.33MUSDC0%3.8%4.13%
Aave-v3Polygon1.03MDAI0%3.69%4.11%
ExactlyOP Mainnet1.53MUSDC0%2.91%3.99%
ExactlyOP Mainnet1.53MUSDC0%3.66%3.98%
NeverlandMonad15.71MUSDC4.29%8.38%3.92%
ExactlyOP Mainnet1.53MUSDC0%4.14%3.82%
ExactlyOP Mainnet1.53MUSDC0%3.46%3.8%
Flux-financeEthereum2.43MUSDC0%3.77%3.77%
ExactlyOP Mainnet1.53MUSDC0%2.2%3.76%
Spark-savingsEthereum356.46MUSDC0%3.75%3.75%
Spark-savingsAvalanche50.82MUSDC0%3.75%3.75%
Yearn-financeEthereum8.88MDAI0%3.24%3.75%
ExactlyOP Mainnet1.53MUSDC0%3.91%3.74%
ExactlyOP Mainnet1.53MUSDC0%3.96%3.71%
ExactlyOP Mainnet1.53MUSDC0%3.91%3.7%
Folks-finance-lendingAlgorand1.96MUSDC0%3.54%3.68%
ExactlyOP Mainnet1.53MUSDC0%3.66%3.65%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum547.4M8.42%
Avalanche353.5M18.94%
Base10105.1M7.02%
BSC476.8M9.52%
Ethereum222.8B6.2%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11M4.11%
Solana39.7M7.37%
TON14M7%
zkSync Era000%