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
21/09/2026 22:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Gains-networkArbitrum4.38MUSDC0%23.22%50.21%
Neutral-tradeSolana2.28MUSDC0%16.17%43.59%
Neutral-tradeSolana3.36MUSDC0%6.63%31.3%
AccountableEthereum1.91MUSDC19.26%36.28%24.07%
Ember-protocolEthereum17.70MUSDC0%10.04%24%
AccountableMonad1.14MUSDC0%15.23%22.6%
AvantisBase10MUSDC0%11.72%20.94%
Harvest-financeBase1.86MUSDC0%43.1%20.93%
EnsuroEthereum1.10MUSDC0%21.1%20.21%
Aave-v3Monad1.68MUSDC0%5.84%19.69%
AccountableEthereum3.39MUSDC0%10.87%17.83%
AccountableMonad7.50MUSDC1.13%16.78%16.66%
Neutral-tradeSolana2.17MUSDC0%14.49%15.54%
Nawa-protocolZIGChain3.44MUSDC0%7.79%15%
AccountableEthereum1.05MUSDC0.75%15.02%14.25%
Ember-protocolEthereum1.64MUSDC0%27.41%12.93%
Ember-protocolEthereum4.54MUSDC0%12.91%12.9%
AccountableEthereum13.89MUSDC0%12.22%12.51%
Ember-protocolSui1.20MUSDC0%10.2%12.43%
Midas-rwaEthereum26.37MUSDC0%5.98%11.87%
AccountableMonad5.04MUSDC0.5%12.09%11.64%
AccountableMonad74.99MUSDC0.33%11.81%11.4%
Ember-protocolSui2.38MUSDC0%1.43%11.24%
Centrifuge-protocolBase7.14MUSDC0%10.95%10.95%
Pareto-creditEthereum11.01MUSDC0%10.59%10.59%
Midas-rwaEthereum1.70MUSDC0%8.27%10.57%
Ember-protocolSui8.54MUSDC0%10.07%10.21%
AguaEthereum8.21MUSDC0%10%10%
Ember-protocolEthereum10.31MUSDC0%9.74%9.93%
Lista-lendingBSC1.72MUSDT0%2.31%9.67%
Ember-protocolEthereum3.38MUSDC0%9.48%9.51%
Pareto-creditEthereum2.19MUSDC0%9.38%9.38%
Blend-pools-v2Stellar9.79MUSDC0%7.27%8.34%
Aave-v4Ethereum1.23MUSDC0%4.45%8.28%
BurrowNEAR1.46MUSDT0%8.28%8.23%
Rhea-lendNear1.46MUSDT0%5.64%8.23%
Bitway-earnBSC25.15MUSDT0%8%8%
Ember-protocolSui8.66MUSDC4%12%8%
Harvest-financeBase1.01MUSDC0%7.69%7.93%
Harvest-financeBase1.01MUSDC0%7.69%7.93%
Pareto-creditEthereum154.62MUSDC0%7.88%7.82%
Midas-rwaEthereum7.49MUSDC0%7.64%7.75%
Sentora-curatorEthereum74.34MUSDC0%6.6%7.7%
Fusion-by-iporEthereum1.09MUSDC0%7.43%7.66%
Bitway-earnBSC6.74MUSDT0%7.5%7.5%
Kamino-lendSolana5.20MUSDC0%4.67%7.33%
Kamino-lendSolana4.63MUSDC0%7.19%7.29%
Euler-v2Monad5.81MUSDC1.25%8.05%7.24%
Midas-rwaEthereum65.30MUSDC0%7.59%7.24%
Harvest-financeBase1.25MUSDC0%7.13%7.18%
Midas-rwaEthereum67.34MUSDC0%7.13%7.13%
Aave-v3Avalanche3.92MUSDC0%4.16%7.07%
Lista-lendingBSC2.54MUSDT0%3.08%7.04%
Zerobase-cedefiEthereum14.08MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.63MUSDT2%9%7%
Yearn-financeEthereum7.56MUSDC0%6.77%6.8%
AccountableMonad2.30MUSDC0.5%7.37%6.79%
Zerobase-cedefiBSC18.15MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.12MUSDC2%8.76%6.76%
Harmonix-financeHyperliquid L121.72MUSDC0%6.93%6.73%
BurrowNEAR1.88MUSDC0%6.56%6.7%
Rhea-lendNear1.88MUSDC0%6.99%6.7%
Midas-rwaEtherlink4.94MUSDC0%8.35%6.68%
Fusion-by-iporEthereum1.28MUSDC0%6.46%6.66%
LoopscaleSolana2.01MUSDC0.33%7.09%6.62%
Pareto-creditEthereum22MUSDC0%6.89%6.62%
Venus-fluxBSC1.86MUSDT0%2.68%6.54%
Neutral-tradeSolana1.19MUSDC0%10.21%6.44%
Midas-rwaEthereum6.73MUSDC0%7.27%6.39%
Midas-rwaEthereum2.52MUSDC0%7.26%6.39%
Extra-finance-leverage-farmingBase3.68MUSDC0%6.49%6.28%
Yearn-financeEthereum11.21MUSDC0%6.6%6.04%
Fusion-by-iporEthereum2.39MUSDC0%5.92%5.87%
Harvest-financeEthereum1.16MUSDC0%9.4%5.79%
AutofinanceBase3.54MUSDC5.06%9.23%5.66%
Midas-rwaEthereum31.42MUSDC0%6.48%5.6%
Fluid-lendingEthereum126.59MUSDT0%4.84%5.54%
Lista-lendingBSC1.70MUSDT0%6.79%5.38%
Alchemix-v3Ethereum7.73MUSDC0%5.44%5.36%
AccountableMonad7.42MUSDC0.5%6.16%5.26%
AutofinanceEthereum7.68MUSDC0.95%6.11%5.11%
Storm-tradeTON2.80MUSDT0%5.32%5.09%
Fluid-lendingBase9.06MUSDC0%4.96%5.01%
Navi-lendingSui8.28MUSDC0.55%5.38%4.93%
Native-credit-poolEthereum1.10MUSDC0%4.93%4.93%
Yearn-financeBase1.72MUSDC0%5.02%4.92%
MapleEthereum696.48MUSDT0%4.65%4.86%
Gami-labsBase3.03MUSDC0%2.44%4.8%
Spectra-metavaultsBase3.03MUSDC0%2.47%4.8%
Benqi-lendingAvalanche2.78MUSDC0%4.96%4.72%
Fusion-by-iporBase1.36MUSDC0%7.2%4.56%
Jupiter-lendSolana469.77MUSDC0.38%4.85%4.53%
Flux-financeEthereum1.95MUSDT0%4.45%4.44%
Kamino-lendSolana3.28MUSDC0%5.41%4.43%
ExactlyOP Mainnet1.59MUSDC0%4.38%4.39%
Ember-protocolEthereum2.04MUSDC0%4.23%4.36%
Yearn-financeBase1.02MUSDC0%4.42%4.36%
ExactlyOP Mainnet1.59MUSDC0%4.31%4.34%
ExactlyOP Mainnet1.59MUSDC0%4.32%4.33%
Fluid-lendingArbitrum61.94MUSDC0%4.2%4.32%
ExactlyOP Mainnet1.59MUSDC0%4.24%4.29%
Centrifuge-protocolEthereum9.30MUSDC0%4.97%4.23%
Centrifuge-protocolAvalanche262.58MUSDC0%4.94%4.23%
Centrifuge-protocolBase62.64MUSDC0%4.95%4.23%
ExactlyOP Mainnet1.59MUSDC0%4.14%4.21%
ExactlyOP Mainnet1.59MUSDC0%4.2%4.18%
ExactlyOP Mainnet1.59MUSDC0%4.05%4.17%
Flux-financeEthereum1.57MUSDC0%3.85%4.15%
TydroInk18.21MUSDC0%3.85%4.14%
CurvanceMonad3.08MUSDC2%5.58%4.13%
Venus-core-poolBSC6.80MUSDC0%2.81%4.07%
Jupiter-lendSolana17.09MUSDT0%4.03%4.05%
Yearn-financeEthereum2.39MUSDC0%3.89%4.04%
ExactlyOP Mainnet1.59MUSDC0%3.92%4.04%
Aave-v3Ethereum137.74MUSDC0%3.94%4.02%
Aave-v3Ethereum58.32MUSDC1.67%5.52%4.02%
Aave-v3Ethereum197.39MUSDT0%3.45%3.96%
Aave-v3Ethereum66.06MUSDT1.55%4.9%3.96%
Compound-v3Ethereum37MUSDC0%4.87%3.91%
Fusion-by-iporBase1.25MUSDC2.84%6.57%3.84%
Centrifuge-protocolEthereum2.07MUSDT0%2.67%3.81%
Yo-protocolBase8.22MUSDC0%4.17%3.81%
Yo-protocolEthereum1.35MUSDC0%4.17%3.81%
Hyperlend-pooledHyperliquid L18.29MUSDC0%5.37%3.8%
Aave-v3Avalanche2.61MUSDT0%3.95%3.78%
Midas-rwaEthereum3.49MUSDC0%3.78%3.78%
AmpleBase4.39MUSDC0%4.01%3.72%
ExactlyOP Mainnet1.59MUSDC0%0.96%3.7%
Aave-v3Base21.20MUSDC0%3.57%3.66%
SymbiosisEthereum1.20MUSDC0%4.91%3.66%
SparklendEthereum15.17MUSDT0%3.2%3.65%
Yearn-financeEthereum19.68MUSDC0%3.68%3.62%
Spark-savingsEthereum305.63MUSDC0%3.57%3.6%
Spark-savingsAvalanche9.03MUSDC0%3.57%3.6%
Euler-v2Monad1.77MUSDC1.25%4.79%3.55%
Fluid-lendingEthereum147.24MUSDC0%4.69%3.54%
DolomiteArbitrum1.69MUSDC0%4.49%3.53%
Spark-savingsEthereum392.97MUSDT0%3.33%3.5%
Kamino-lendSolana2.09MUSDT0%4.02%3.44%
Midas-rwaEthereum72.42MUSDC0%3.39%3.39%
Midas-rwaEtherlink1.22MUSDC0%3.39%3.39%
Centrifuge-protocolPharos4.40MUSDC0%3.2%3.35%
SparklendEthereum3.91MUSDC0%3.46%3.31%
Aave-v4Ethereum1.56MUSDT0%3.69%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Yearn-financeEthereum5.74MUSDT0%3.22%3.28%
DolomiteEthereum30.53MUSDC4.04%7.4%3.26%
Aave-v3Polygon10.23MUSDC0%2.92%3.24%
Yearn-financeEthereum1.11MUSDC0%3.61%3.18%
Aave-v3Ethereum15.30MDAI0%3%3.18%
Venus-core-poolBSC50.27MUSDT0%2.7%3.14%
Native-credit-poolBSC1.37MUSDT0%3.14%3.14%
Centrifuge-protocolPlume Mainnet20.78MUSDC0%4%3.14%
Aave-v3Ethereum1.25MUSDC0%2.84%3.05%
Benqi-lendingAvalanche1.24MUSDT0%3.69%3.05%
Compound-v3Arbitrum2.51MUSDC0%2.84%2.99%
Aave-v3BSC11.39MUSDT0%2.63%2.94%
Aave-v3BSC2.61MUSDC0%3.06%2.93%
Aave-v3Arbitrum26.18MUSDC0%2.61%2.93%
Aave-v3Xlayer2.77MUSDC0%2%2.91%
Yearn-financeEthereum7.37MDAI0%3.22%2.91%
Compound-v3Ethereum34.88MUSDT0%3.07%2.87%
Aave-v3OP Mainnet1.74MUSDC0%2.5%2.83%
SaveSolana4.76MUSDC0%2.99%2.78%
SparklendEthereum85.72MDAI0%2.36%2.71%
Kamino-lendSolana1.61MUSDC0%1.15%2.64%
Compound-v3Arbitrum4.04MUSDT0%2.59%2.6%
Justlend-v1Tron71.78MUSDT0%2.34%2.34%
Aave-v4Ethereum1.41MUSDC0%1.88%2.05%
Aave-v3Arbitrum1.07MDAI0%1.91%1.99%
CurrentSui16.72MUSDC7.59%9.02%1.98%
Aave-v3Sonic1.15MUSDC0%1.85%1.83%
SaveSolana2.29MUSDT0%1.77%1.67%
Midas-rwaEthereum6.43MUSDC0%4.97%1.64%
Midas-rwaEtherlink1.12MUSDC0%4.93%1.64%
Echelon-marketAptos1.64MUSDC4.63%3.46%1.25%
Lista-lendingEthereum5.25MUSDC5.47%7.2%1.08%
ExactlyOP Mainnet1.59MUSDC0%0.93%1.05%
Centrifuge-protocolMonad4.55MUSDC0%3.07%0.94%
Zest-v2Stacks10.17MUSDC0%0.73%0.93%
AcrossEthereum1.12MUSDT2.99%1.65%0.64%
TectonicCronos1.26MUSDC0.03%0.41%0.55%
Aave-v4Avalanche7.42MUSDC4.71%5.51%0.41%
Lista-lendingEthereum4.08MUSDT4.87%6.12%0.31%
AcrossEthereum1.10MUSDC4.41%4.39%0.29%
Aave-v4Avalanche3.51MUSDT6.53%6.17%0.18%
CredixSolana13.41MUSDC0%0.06%0.07%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum8109.4M9.45%
Avalanche8293.1M3.38%
Base20156.9M7.13%
BSC13132.4M5.68%
Ethereum733.1B6.41%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon110.2M3.24%
Solana15535.1M9.45%
TON12.8M5.09%
zkSync Era000%