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 3.76% on Jul 13 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
15/07/2026 20:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableMonad53.03MUSDC0.32%12.3%17.6%
Centrifuge-protocolMonad10.03MUSDC0%5.92%17.45%
AccountableEthereum1.05MUSDC0%14.25%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Aave-v3Ethereum5.30MDAI0%3.97%12.97%
Harvest-financeBase1.87MUSDC0%16.2%12.96%
Ember-protocolEthereum7.80MUSDC0%12.82%12.9%
AccountableEthereum2.14MUSDC0%10.56%11.66%
Hyperlend-pooledHyperliquid L18.30MUSDC0%6.53%11.41%
Midas-rwaEtherlink4.31MUSDC0%7.14%11%
Pareto-creditEthereum15.17MUSDC0%10.59%10.59%
Midas-rwaMonad1.88MUSDC0%10.55%10.57%
Midas-rwaEthereum47.46MUSDC0%10.55%10.57%
Ember-protocolSui1.20MUSDC0%10.66%10.44%
Midas-rwaEthereum73.78MUSDC0%12.73%10.24%
Ember-protocolEthereum3.30MUSDC0%9.31%10.1%
AccountableMonad8.97MUSDC0.5%9.27%10.06%
AccountableMonad5.21MUSDC0.49%10.47%10%
GoldfinchEthereum36.72MUSDC0%10.12%10%
YieldseekerBase1.89MUSDC0%8.03%9.49%
Ember-protocolSui3.16MUSDC0%9.2%9.48%
Bracket-vaultsEthereum2.82MUSDC0%9.72%9.43%
Pareto-creditEthereum2.13MUSDC0%9.38%9.38%
Midas-rwaEthereum1.98MUSDC0%9.76%9.2%
Lista-lendingBSC5.06MUSDT0%4.33%9.15%
Ember-protocolSui1.09MUSDC0%9.53%8.93%
Midas-rwaEthereum7.72MUSDC0%8.82%8.79%
AccountableEthereum4.05MUSDC9.93%15.04%8.63%
Blend-pools-v2Stellar10.96MUSDC0%6.86%8.59%
AvantisBase29.06MUSDC0%9.67%8.49%
Pareto-creditEthereum153.70MUSDC0%8.31%8.31%
Harmonix-financeHyperliquid L121.29MUSDC0%9.28%8.3%
Midas-rwaEthereum29.02MUSDC0%2.9%8.27%
Lista-lendingBSC6.05MUSDT0%4.63%8.25%
Ember-protocolSui6.93MUSDC4%12%8%
Bitway-earnBSC23.27MUSDT0%9.01%8%
Midas-rwaEthereum4.54MUSDC0%6.06%7.82%
Lista-lendingBSC1.99MUSDT0.89%6.44%7.62%
LoopscaleSolana1.06MUSDC0.32%7.97%7.38%
Pareto-creditEthereum21.81MUSDC0%7.13%7.13%
Midas-rwaEthereum2.50MUSDC0%7.77%7.12%
Midas-rwaEthereum6.64MUSDC0%7.79%7.12%
AccountableMonad1.62MUSDC0.5%7.33%7.03%
Ember-protocolSui1.36MUSDC0%8.2%7%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Gami-labsStellar16.15MUSDC0%7%7%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
Yearn-financeEthereum6.13MUSDC0%5.72%7%
Zerobase-cedefiBSC1.94MUSDC2%8.76%6.76%
Zerobase-cedefiBSC21.50MUSDT2%8.76%6.76%
Yearn-financeEthereum9.07MUSDC0%5.81%6.72%
Centrifuge-protocolMonad4.53MUSDC0%3.39%6.71%
Kamino-lendSolana4.36MUSDC0%6.99%6.52%
AutofinanceEthereum8.66MUSDC0.4%6.5%6.31%
Extra-finance-leverage-farmingBase3.53MUSDC0%6.48%6.31%
Harvest-financeEthereum1.17MUSDC0%7.65%6.2%
Storm-tradeTON3.62MUSDT0%5.95%5.75%
Fluid-lendingArbitrum35.85MUSDC0%5.82%5.73%
Fusion-by-iporEthereum2.88MUSDC0%6.22%5.7%
AutofinanceBase5.92MUSDC2.12%7.28%5.62%
Fluid-lendingBase8.71MUSDC0%5.57%5.53%
Navi-lendingSui5.40MUSDC0.45%5.86%5.42%
Yearn-financeEthereum1.19MUSDC0%4.48%5.23%
Ember-protocolSui1.11MUSDC4.81%12.05%5.02%
Fluid-lendingEthereum9.44MUSDC0%5.7%5.01%
Fluid-lendingEthereum135.37MUSDC0%6.21%5.01%
AmpleBase4.29MUSDC0%4.52%4.97%
SymbiosisTron1.26MUSDT0%6.13%4.97%
Yearn-financeBase1.76MUSDC0%4.9%4.93%
Midas-rwaEthereum7.42MUSDC0%3.35%4.81%
Midas-rwaEtherlink1.11MUSDC0%3.35%4.81%
Gains-networkArbitrum6.69MUSDC0%6.01%4.78%
Native-credit-poolBSC5MUSDT0%3.81%4.72%
Native-credit-poolEthereum5.54MUSDC0%3.55%4.58%
Flux-financeEthereum1.90MUSDT0%4.47%4.45%
ExactlyOP Mainnet1.76MUSDC0%4.19%4.31%
Moonwell-lendingBase1.88MUSDC0.37%5.2%4.25%
ExactlyOP Mainnet1.76MUSDC0%4.16%4.23%
ExactlyOP Mainnet1.76MUSDC0%4.11%4.21%
Yo-protocolEthereum2.38MUSDC0%4.22%4.19%
Yo-protocolBase10.15MUSDC0%4.22%4.19%
Kamino-lendSolana9.95MUSDC0%4.7%4.17%
ExactlyOP Mainnet1.76MUSDC0%4.08%4.15%
ExactlyOP Mainnet1.76MUSDC0%4%4.14%
Euler-v2Monad2.19MUSDC2.63%5.81%4.1%
Fluid-lendingEthereum142.91MUSDT0%5.66%4.07%
MapleEthereum0.99BUSDT0%4.08%4.06%
ExactlyOP Mainnet1.76MUSDC0%3.97%4.03%
ExactlyOP Mainnet1.76MUSDC0%3.82%4.02%
TermmaxBase1.20MUSDC0%4.02%4.02%
TermmaxEthereum4.91MUSDC0%3.41%4.01%
Scallop-lendSui1.04MUSDC0%4.5%4%
Scallop-lendSui1.04MUSDC0%4.5%4%
SymbiosisEthereum1.33MUSDC0%6.27%3.97%
ExactlyOP Mainnet1.76MUSDC0%3.67%3.94%
Benqi-lendingAvalanche4.49MUSDC0%3.76%3.87%
Kamino-lendSolana1.23MUSDT0%3.45%3.87%
ExactlyOP Mainnet1.76MUSDC0%4.01%3.85%
Aave-v3Avalanche5.50MUSDC0%3.32%3.82%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum350.2M5.84%
Avalanche210M3.84%
Base1170.3M6.43%
BSC764.8M7.32%
Ethereum371.8B7.64%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon000%
Solana416.6M5.49%
TON13.6M5.75%
zkSync Era000%