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 3.74% on Aug 04 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
06/08/2026 20:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AzuroPolygon1.39MUSDT0%17.72%53.62%
AccountableMonad7.62MUSDC0.95%31.31%25.11%
Midas-rwaEthereum1.73MUSDC0%9.64%17.5%
AccountableMonad100.15MUSDC0.27%16.43%16%
Midas-rwaEtherlink4.79MUSDC0%8.14%14.91%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
AccountableEthereum3.87MUSDC10.32%21.08%13.1%
Ember-protocolEthereum7.23MUSDC0%12.85%12.9%
AccountableEthereum2.23MUSDC0%10.83%11.53%
Ember-protocolSui1.21MUSDC0%10.6%11.06%
AvantisBase20.96MUSDC0%9.38%10.98%
Pareto-creditEthereum15.28MUSDC0%10.59%10.58%
Harvest-financeBase1.87MUSDC0%12.3%10.49%
Ember-protocolSui1.31MUSDC0%8.36%10.48%
Midas-rwaEthereum71.69MUSDC0%10.27%10.25%
GoldfinchEthereum35.94MUSDC0%10.13%10.21%
YieldseekerBase1.24MUSDC0%8.84%10.06%
Ember-protocolSui6.22MUSDC0%9.08%10.01%
AccountableMonad1.03MUSDC0%10.32%10%
Ember-protocolEthereum3.32MUSDC0%9.37%9.68%
Pareto-creditEthereum2.14MUSDC0%9.38%9.38%
Bracket-vaultsEthereum2.59MUSDC0%9.36%9.3%
Midas-rwaEthereum6.40MUSDC0%6.08%9.23%
Midas-rwaEtherlink1.12MUSDC0%6.1%9.23%
Midas-rwaEthereum8.07MUSDC0%9.36%9.09%
Midas-rwaEthereum37.36MUSDC0%10.1%9.01%
Native-credit-poolEthereum5.74MUSDC0%3.66%8.88%
Kamino-lendSolana1.78MUSDC0%6.75%8.73%
Ember-protocolEthereum5.91MUSDC0%6.56%8.47%
Pareto-creditEthereum167.54MUSDC0%8.28%8.02%
Bitway-earnBSC24.43MUSDT0%8%8%
Ember-protocolSui8.15MUSDC4%12%8%
AccountableMonad10.08MUSDC0.5%9.46%7.67%
AccountableMonad1.73MUSDC0.47%7.63%7.52%
Fusion-by-iporEthereum1.57MUSDC0%5.87%7.24%
Euler-v2Monad1.60MUSDC2.64%9.04%7.21%
Extra-finance-leverage-farmingBase3.25MUSDC0%6.67%7.18%
Pareto-creditEthereum21.86MUSDC0%7.13%7.13%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
Yearn-financeEthereum6.97MUSDC0%7.05%6.96%
LoopscaleSolana1.48MUSDC0.24%7.15%6.89%
Blend-pools-v2Stellar13.90MUSDC0%7.56%6.8%
Zerobase-cedefiBSC20.26MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.03MUSDC2%8.76%6.76%
Yearn-financeEthereum1.19MUSDC0%5.72%6.45%
SentoraEthereum40.75MUSDC0%6.39%6.38%
Ember-protocolSui1.07MUSDC0%9.78%6.36%
Harmonix-financeHyperliquid L119.03MUSDC0%7.73%6.22%
Ember-protocolEthereum17.06MUSDC0%6.72%6.2%
Midas-rwaEthereum6.67MUSDC0%7.75%6.14%
Midas-rwaEthereum2.50MUSDC0%7.74%6.14%
Fusion-by-iporBase1.09MUSDC2.5%7.88%6.05%
Harvest-financeEthereum1.15MUSDC0%6.39%5.87%
Centrifuge-protocolAvalanche260.86MUSDC0%3.87%5.84%
Centrifuge-protocolBase50.30MUSDC0%3.86%5.84%
Centrifuge-protocolEthereum5.73MUSDC0%3.88%5.83%
Yearn-financeEthereum8.99MUSDC0%5.98%5.76%
Hyperlend-pooledHyperliquid L113.26MUSDC0%7.33%5.75%
Ember-protocolSui1.16MUSDC4.35%11.7%5.73%
Euler-v2Ethereum6.40MUSDC0%4.36%5.69%
Storm-tradeTON3.17MUSDT0%5.74%5.64%
Fluid-lendingBase9.15MUSDC0%5.33%5.49%
Fluid-lendingEthereum146.48MUSDC0%5.27%5.45%
Fluid-lendingEthereum9.07MUSDC0%5.27%5.45%
AutofinanceEthereum8.54MUSDC0.41%6.53%5.37%
AutofinanceBase4.91MUSDC2.61%7.88%5.15%
Navi-lendingSui6.31MUSDC0.41%5.57%5.14%
Kamino-lendSolana2.87MUSDC0%4.6%5.11%
SymbiosisTron1.49MUSDT0%5.46%5.1%
Lista-lendingBSC1.96MUSDT0.14%6.68%5.1%
SymbiosisEthereum1.10MUSDC0%4.49%5.07%
Yearn-financeBase1.78MUSDC0%4.96%4.91%
LoopscaleSolana1.76MUSDC0%5.41%4.75%
Alchemix-v3Ethereum7.43MUSDC0%4.52%4.56%
Ember-protocolSui5.67MUSDC0%5.95%4.53%
Fluid-lendingEthereum133.37MUSDT0%4.64%4.45%
Benqi-lendingAvalanche3.38MUSDC0%3.93%4.44%
Flux-financeEthereum2.05MUSDT0%4.43%4.41%
Fluid-lendingArbitrum39.97MUSDC0%5.29%4.39%
Yo-protocolBase9.82MUSDC0%4.19%4.38%
Yo-protocolEthereum2.28MUSDC0%4.19%4.38%
ExactlyOP Mainnet1.56MUSDC0%4.32%4.36%
Kamino-lendSolana9.45MUSDC0%4.06%4.35%
ExactlyOP Mainnet1.56MUSDC0%4.25%4.29%
ExactlyOP Mainnet1.56MUSDC0%4.16%4.23%
ExactlyOP Mainnet1.56MUSDC0%4.16%4.2%
Moonwell-lendingBase1.90MUSDC0.33%4.62%4.19%
DolomiteArbitrum1.49MUSDC0%4.66%4.17%
ExactlyOP Mainnet1.56MUSDC0%4.05%4.15%
MapleEthereum0.97BUSDT0%4.21%4.11%
ExactlyOP Mainnet1.56MUSDC0%4.05%4.11%
Aave-v3Avalanche5.30MUSDC0%3.65%4.05%
ExactlyOP Mainnet1.56MUSDC0%4.15%4%
ExactlyOP Mainnet1.56MUSDC0%3.68%3.99%
Gains-networkArbitrum6.24MUSDC0%5.05%3.96%
Aave-v3Polygon1.02MDAI0%4.02%3.94%
Aave-v3Polygon1.02MDAI0%4.02%3.94%
Centrifuge-protocolPlume Mainnet32.96MUSDC0%2.81%3.84%
Centrifuge-protocolMonad10.03MUSDC0%5.83%3.84%
Jupiter-lendSolana433.68MUSDC0.7%4.69%3.82%
Midas-rwaEthereum4.55MUSDC0%5.86%3.78%
Aave-v3Ethereum162.71MUSDC0%3.66%3.77%
Aave-v3Ethereum65.74MUSDC1.48%6.44%3.77%
AmpleBase4.40MUSDC0%4.17%3.76%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum455.3M4.88%
Avalanche3269.5M4.78%
Base12110.7M6.54%
BSC448.7M6.65%
Ethereum412B7.43%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon33.4M20.5%
Solana6451M5.61%
TON13.2M5.64%
zkSync Era000%