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 3.65% on Jun 08 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
10/06/2026 18:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableMonad9.44MUSDC1%12.67%17.51%
Gains-networkArbitrum6.49MUSDC0%8.7%17.25%
Ember-protocolSui1.13MUSDC0%8.25%14.64%
AccountableEthereum1.03MUSDC0%14.26%14.25%
Canto-lendingCanto1.35MUSDC0%13.44%13.61%
Ember-protocolEthereum37.69MUSDC0%14.83%12.52%
SymbiosisEthereum1.20MUSDC0%9.37%10.98%
Lista-lendingBSC2.05MUSDT3.92%8.74%10.71%
Bracket-vaultsEthereum2.75MUSDC0%10.46%10.24%
GoldfinchEthereum36.73MUSDC0%10.07%10.12%
Harmonix-financeHyperliquid L115.93MUSDC0%10.23%10.12%
Bitway-earnBSC24.77MUSDT0%10.34%10%
AccountableMonad5.16MUSDC0%10%10%
Ember-protocolSui3.29MUSDC0%7.5%9.45%
YieldseekerBase1.96MUSDC0%9.19%9.16%
AccountableMonad45.15MUSDC1%9.62%8.8%
AvantisBase36.16MUSDC0%10.43%8.29%
Ember-protocolEthereum4.66MUSDC0%7.13%8.12%
Fusion-by-iporEthereum1.47MUSDC0%6.13%8.09%
Ember-protocolSui1.07MUSDC0%9.48%8%
Ember-protocolSui6.11MUSDC4%12%8%
Blend-pools-v2Stellar12.67MUSDC0%8.36%7.63%
Fusion-by-iporEthereum1.29MUSDC0%6.23%7.48%
AccountableMonad3.82MUSDC1%8.57%7.28%
LoopscaleSolana1.32MUSDC0.83%8%7.17%
SymbiosisTron1.28MUSDT0%7.71%7.12%
Zerobase-cedefiArbitrum7.62MUSDT2%9%7%
Zerobase-cedefiEthereum14.30MUSDT2%9%7%
AutofinanceEthereum1.52MUSDC0%10.39%7%
Harvest-financeEthereum1.13MUSDC0%5.98%6.89%
Harvest-financeBase1.86MUSDC0%9.17%6.86%
Extra-finance-leverage-farmingBase3.41MUSDC0%6.38%6.8%
Zerobase-cedefiBSC2.09MUSDC2%8.76%6.76%
Zerobase-cedefiBSC23.51MUSDT2%8.76%6.76%
Gains-networkBase2.19MUSDC0%3.77%6.55%
Navi-lendingSui2.98MUSDC0.52%5.11%6.26%
LazyEthereum1.02MUSDC0%7.72%6.2%
LazyEthereum1.02MUSDC0%7.72%6.2%
Ember-protocolSui1.50MUSDC0%9.06%6.09%
Aave-v3Ethereum7.46MDAI0%2.47%6%
Storm-tradeTON3.61MUSDT0%5.87%5.89%
Kamino-lendSolana4.08MUSDC0%5.33%5.78%
Kamino-lendSolana3.72MUSDC0%5.57%5.74%
Hyperlend-pooledHyperliquid L19.88MUSDC0%5.39%5.7%
AutofinanceEthereum7.34MUSDC0.46%5.07%5.66%
AmpleBase4.27MUSDC0%4.83%5.64%
AutofinanceBase6.29MUSDC2.71%8.18%5.51%
Ember-protocolSui1.32MUSDC5.26%11.69%5.4%
Fluid-lendingEthereum103.36MUSDC1.39%6.34%5.2%
Fluid-lendingEthereum8.53MUSDC0%4.39%5.2%
SparklendEthereum20.88MUSDT0%2.97%5.15%
Fluid-lendingArbitrum38.98MUSDC0%5.66%5.02%
Ember-protocolSui7.07MUSDC0%6.8%5.01%
Ember-protocolEthereum2.71MUSDC0%7.01%5.01%
Fluid-lendingBase9.22MUSDC0%5.42%4.93%
Folks-finance-lendingAlgorand1.09MUSDC0%4.49%4.81%
Centrifuge-protocolBase2.14MUSDC0%3.75%4.65%
Centrifuge-protocolEthereum5.93MUSDC0%3.74%4.65%
Yearn-financeEthereum11.57MUSDC0%4.87%4.58%
Flux-financeEthereum1.77MUSDT0%4.58%4.53%
Centrifuge-protocolBase50.01MUSDC0%3.75%4.5%
Centrifuge-protocolAvalanche259.37MUSDC0%3.77%4.5%
Centrifuge-protocolEthereum373.98MUSDC0%3.74%4.5%
Yearn-financeEthereum4.14MUSDC0%5.09%4.47%
Ember-protocolSui1.13MUSDC0%7.53%4.38%
Yearn-financeBase1.72MUSDC0%61.23%4.34%
Folks-finance-xchainPolygon1.09MUSDT0%4.49%4.32%
MapleEthereum830.97MUSDT0%4.22%4.28%
Benqi-lendingAvalanche1.29MUSDT0%4.58%4.28%
ExactlyOP Mainnet1.48MUSDC0%4.17%4.16%
ExactlyOP Mainnet1.48MUSDC0%4.14%4.16%
Moonwell-lendingBase1.56MUSDC1.08%6.61%4.14%
ExactlyOP Mainnet1.48MUSDC0%4.06%4.1%
ExactlyOP Mainnet1.48MUSDC0%3.97%4.1%
ExactlyOP Mainnet1.48MUSDC0%3.99%4.1%
Euler-v2Monad1.39MUSDC0%4.92%4.06%
ExactlyOP Mainnet1.48MUSDC0%3.98%4.04%
ExactlyOP Mainnet1.48MUSDC0%3.96%4.01%
Aave-v3Avalanche2.61MUSDT0%4.88%3.96%
Benqi-lendingAvalanche4.97MUSDC0%6.24%3.94%
ExactlyOP Mainnet1.48MUSDC0%3.95%3.94%
CurrentSui1.52MUSDC4.38%7.33%3.93%
ExactlyOP Mainnet1.48MUSDC0%2.39%3.86%
Yo-protocolBase11.95MUSDC0%4.13%3.79%
Yo-protocolEthereum2.76MUSDC0%4.14%3.79%
Yearn-financeEthereum2.45MUSDC0%3.64%3.78%
Yearn-financeEthereum1.18MUSDC0%3.32%3.72%
Flux-financeEthereum2.60MUSDC0%3.69%3.72%
DolomiteEthereum21.44MUSDC5.48%8.81%3.7%
Lista-lendingBSC4.55MUSDT0.59%2.71%3.7%
ExactlyOP Mainnet1.48MUSDC0%2.25%3.69%
Fluid-lendingEthereum113.75MUSDT1.27%4.24%3.66%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum353.1M9.76%
Avalanche4268.2M4.17%
Base13132.7M5.78%
BSC557M7.58%
Ethereum311.6B6.34%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.1M4.32%
Solana39.1M6.23%
TON13.6M5.89%
zkSync Era000%