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 3.75% on Jul 22 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
24/07/2026 20:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableMonad7.53MUSDC0.8%36.84%31.28%
AccountableMonad92.52MUSDC0.19%14.06%17.6%
AccountableEthereum3.51MUSDC11.55%17.1%16.59%
Ember-protocolSui5.68MUSDC0%6.87%15.31%
AccountableEthereum1.05MUSDC0%14.25%14.25%
Euler-v2Monad1.96MUSDC2.61%7.04%13.98%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum8.12MUSDC0%12.93%12.9%
AccountableEthereum2.23MUSDC0%11.2%11.64%
Harvest-financeBase1.87MUSDC0%12.7%11.54%
AzuroPolygon1.28MUSDT0%6.13%10.99%
Midas-rwaEthereum47.65MUSDC0%10.56%10.66%
Midas-rwaMonad1.87MUSDC0%10.56%10.66%
Pareto-creditEthereum15.17MUSDC0%10.59%10.59%
Midas-rwaEthereum70.27MUSDC0%11.98%10.38%
Midas-rwaEthereum6.97MUSDC0%8.92%10.29%
GoldfinchEthereum35.95MUSDC0%10.09%10.21%
Ember-protocolSui1.09MUSDC0%9.87%10.2%
Ember-protocolSui1.21MUSDC0%9.28%9.5%
Midas-rwaEthereum7.27MUSDC0%3.4%9.44%
Midas-rwaEtherlink1.12MUSDC0%3.4%9.44%
Pareto-creditEthereum2.13MUSDC0%9.38%9.38%
Bracket-vaultsEthereum2.65MUSDC0%9.5%9.29%
Midas-rwaEtherlink4.78MUSDC0%7.65%9.22%
AccountableMonad10.06MUSDC0.46%9.88%9.22%
Ember-protocolEthereum3.23MUSDC0%9.02%8.71%
Ember-protocolSui5.07MUSDC0%8.92%8.67%
Pareto-creditEthereum170.46MUSDC0%8.31%8.31%
Bitway-earnBSC23.39MUSDT0%8.41%8%
Ember-protocolSui7.72MUSDC4%12%8%
Blend-pools-v2Stellar11.50MUSDC0%7.4%7.98%
Midas-rwaEthereum4.54MUSDC0%6.62%7.82%
Midas-rwaEthereum2.50MUSDC0%7.86%7.7%
Midas-rwaEthereum6.66MUSDC0%7.87%7.69%
Harmonix-financeHyperliquid L120.03MUSDC0%8.68%7.61%
Yearn-financeEthereum6.17MUSDC0%6.35%7.58%
YieldseekerBase1.98MUSDC0%8.42%7.54%
AvantisBase20.94MUSDC0%9.4%7.43%
AccountableMonad2.45MUSDC0.5%7.41%7.28%
Harvest-financeEthereum1.16MUSDC0%7.13%7.26%
Pareto-creditEthereum21.81MUSDC0%7.13%7.13%
Midas-rwaEthereum1.98MUSDC0%10%7.11%
Gami-labsStellar16.92MUSDC0%7%7%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
LoopscaleSolana1.66MUSDC0.22%7.54%6.98%
Ember-protocolEthereum16.92MUSDC0%7.35%6.81%
Ember-protocolSui1.09MUSDC5.22%11.67%6.78%
Zerobase-cedefiBSC20.96MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.07MUSDC2%8.76%6.76%
Ember-protocolSui1.33MUSDC0%8.11%6.61%
AutofinanceEthereum8.69MUSDC0.42%6.75%6.5%
Kamino-lendSolana4.42MUSDC0%6.93%6.47%
Extra-finance-leverage-farmingBase3.47MUSDC0%6.32%6.34%
Yearn-financeEthereum9.28MUSDC0%6.06%6.18%
Yearn-financeEthereum1.18MUSDC0%5%6.12%
Fluid-lendingEthereum139.41MUSDC0%5.87%5.87%
Fluid-lendingEthereum9.10MUSDC0%5.66%5.87%
Hyperlend-pooledHyperliquid L112.13MUSDC0%7.01%5.84%
Storm-tradeTON3.58MUSDT0%5.86%5.75%
AutofinanceBase5.26MUSDC2.44%7.31%5.73%
SymbiosisTron1.33MUSDT0%6.07%5.7%
Fluid-lendingArbitrum35.36MUSDC0%5.7%5.66%
Fluid-lendingBase8.70MUSDC0%5.42%5.6%
Gains-networkArbitrum6.42MUSDC0%6.03%5.46%
Fusion-by-iporEthereum2.60MUSDC0%5.98%5.44%
DolomiteArbitrum1.03MUSDC0%4.66%5.43%
DolomiteArbitrum1.03MUSDC0%4.66%5.43%
Euler-v2Ethereum7.60MUSDC0%3.54%5.32%
Navi-lendingSui6.21MUSDC0.43%5.71%5.2%
LoopscaleSolana1.40MUSDC0%5.9%5.01%
Yearn-financeBase1.77MUSDC0%4.97%4.95%
Lista-lendingBSC1.94MUSDT0.5%6.65%4.75%
SymbiosisEthereum1.26MUSDC0%5.25%4.64%
Centrifuge-protocolAvalanche260.47MUSDC0%3.51%4.58%
Centrifuge-protocolBase50.23MUSDC0%3.51%4.58%
Centrifuge-protocolEthereum5.74MUSDC0%3.5%4.57%
Centrifuge-protocolBase2.02MUSDC0%3.51%4.57%
Kamino-lendSolana5.18MUSDC0%4.75%4.55%
SparklendEthereum16.89MUSDT0%3.59%4.54%
Lista-lendingBSC6.32MUSDT0%4.64%4.43%
Fluid-lendingEthereum137.54MUSDT0%5.53%4.42%
Flux-financeEthereum2.05MUSDT0%4.44%4.41%
Jupiter-lendSolana413.48MUSDC0.73%4.76%4.38%
MapleEthereum873.63MUSDT0%4.1%4.37%
Native-credit-poolBSC5.01MUSDT0%3.99%4.34%
ExactlyOP Mainnet1.74MUSDC0%4.24%4.33%
ExactlyOP Mainnet1.74MUSDC0%4.2%4.26%
ExactlyOP Mainnet1.74MUSDC0%4.16%4.24%
Lista-lendingBSC6.17MUSDT0%4.93%4.23%
ExactlyOP Mainnet1.74MUSDC0%4.08%4.19%
ExactlyOP Mainnet1.74MUSDC0%4.11%4.17%
Yo-protocolBase10.02MUSDC0%4.11%4.15%
Yo-protocolEthereum2.38MUSDC0%4.11%4.15%
ExactlyOP Mainnet1.74MUSDC0%3.91%4.09%
TermmaxEthereum4.40MUSDC0%3.51%4.09%
TermmaxBase1.20MUSDC0%3.87%4.09%
ExactlyOP Mainnet1.74MUSDC0%4%4.06%
ExactlyOP Mainnet1.74MUSDC0%3.62%4.04%
Moonwell-lendingBase2.51MUSDC0.33%4.97%3.89%
Aave-v3Polygon1.05MDAI0%4.33%3.89%
Native-credit-poolEthereum1.97MUSDT0%3.25%3.86%
Native-credit-poolEthereum6MUSDC0%3.82%3.81%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum551.5M5.8%
Avalanche1260.5M4.58%
Base12110M5.87%
BSC765.9M5.61%
Ethereum401.7B7.57%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon22.3M7.44%
Solana5426.1M5.48%
TON13.6M5.75%
zkSync Era000%