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 3.63% on Jun 03 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
05/06/2026 17:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableEthereum1.03MUSDC0%14.25%14.25%
Ember-protocolSui1.13MUSDC0%8.68%13.82%
Canto-lendingCanto1.35MUSDC0%13.35%13.61%
Gains-networkArbitrum5.50MUSDC0%7.12%12.63%
Ember-protocolEthereum37.59MUSDC0%15.31%12.52%
Harmonix-financeHyperliquid L116.25MUSDC0%10.25%10.25%
Bracket-vaultsEthereum2.74MUSDC0%10.56%10.23%
GoldfinchEthereum36.71MUSDC0%10.06%10.12%
SymbiosisTron1.72MUSDT0%7.59%10.05%
AccountableMonad5.15MUSDC0%10%10%
Bitway-earnBSC23.49MUSDT0%10.42%10%
Moonwell-lendingBase1.46MUSDC0.98%6.55%9.47%
AutofinanceEthereum1.52MUSDC0%10.35%9.43%
Ember-protocolSui1.12MUSDC0%8%9.29%
Ember-protocolSui2.83MUSDC0%7.4%8.99%
Ember-protocolSui1.53MUSDC0%9.45%8.97%
YieldseekerBase1.95MUSDC0%9.1%8.89%
Lista-lendingBSC2.43MUSDT5.69%8.63%8.85%
AccountableMonad1.56MUSDC1%9.81%8.8%
AvantisBase37.54MUSDC0%10.7%8.39%
Blend-pools-v2Stellar11.61MUSDC0%8.49%8.02%
Ember-protocolSui6.07MUSDC4%12%8%
Ember-protocolSui1.09MUSDC0%9.78%7.99%
Fusion-by-iporEthereum1.45MUSDC0%5.5%7.28%
AccountableMonad4.86MUSDC1%8.77%7.28%
Zerobase-cedefiEthereum14.30MUSDT2%9%7%
Zerobase-cedefiArbitrum7.62MUSDT2%9%7%
Ember-protocolEthereum4.63MUSDC0%6.98%6.92%
Ember-protocolSui7.61MUSDC0%7.14%6.86%
Ember-protocolEthereum2.79MUSDC0%7.4%6.86%
Harvest-financeEthereum1.09MUSDC0%5.37%6.8%
Zerobase-cedefiBSC2.10MUSDC2%8.76%6.76%
Zerobase-cedefiBSC24.47MUSDT2%8.76%6.76%
Kamino-lendSolana1.30MUSDC0%5.44%6.75%
Kamino-lendSolana3.14MUSDC0%5.19%6.54%
Extra-finance-leverage-farmingBase3.61MUSDC0%6.31%6.4%
Fusion-by-iporEthereum1.17MUSDC0%6.2%6.28%
Fluid-lendingEthereum108.63MUSDC1.24%6.25%6.2%
Fluid-lendingEthereum8.49MUSDC0%4.3%6.2%
SparklendEthereum21.04MUSDT0%3.16%5.89%
Fluid-lendingEthereum102.61MUSDT1.31%4.1%5.78%
Storm-tradeTON3.58MUSDT0%5.96%5.76%
Fluid-lendingBase9.24MUSDC0%5.48%5.68%
Harvest-financeBase1.89MUSDC0%9.83%5.68%
AutofinanceEthereum7.32MUSDC0.52%4.95%5.55%
Hyperlend-pooledHyperliquid L111.34MUSDC0%5.05%5.4%
AutofinanceBase7.25MUSDC2.49%8.35%5.33%
Ember-protocolSui1.79MUSDC4.62%12.44%5.13%
Navi-lendingSui2.99MUSDC0.5%4.93%4.87%
Lista-lendingBSC5.71MUSDT0.09%2.04%4.79%
Yearn-financeEthereum5.12MUSDC0%5.46%4.7%
AmpleBase4.31MUSDC0%4.77%4.66%
Flux-financeEthereum1.71MUSDT0%4.59%4.58%
Fluid-lendingArbitrum36.95MUSDC0%5.64%4.48%
Yearn-financeEthereum11.53MUSDC0%5.05%4.43%
Folks-finance-lendingAlgorand1.36MUSDC0%4.46%4.43%
Lista-lendingBSC6.75MUSDT0%1.48%4.41%
Folks-finance-xchainPolygon1.10MUSDT0%4.53%4.32%
Benqi-lendingAvalanche4.83MUSDC0%6.75%4.32%
Gains-networkBase2.19MUSDC0%3.17%4.21%
Kamino-lendSolana1.01MUSDT0%3.51%4.19%
Kamino-lendSolana1.01MUSDT0%3.51%4.19%
ExactlyOP Mainnet1.68MUSDC0%4.16%4.19%
ExactlyOP Mainnet1.68MUSDC0%4.13%4.16%
Aave-v3Avalanche6.56MUSDC0%5.28%4.13%
Euler-v2Monad1.38MUSDC0%6.16%4.12%
ExactlyOP Mainnet1.68MUSDC0%4.04%4.08%
ExactlyOP Mainnet1.68MUSDC0%3.96%4.05%
ExactlyOP Mainnet1.68MUSDC0%3.94%4.04%
ExactlyOP Mainnet1.68MUSDC0%3.97%4.02%
MapleEthereum848.29MUSDT0%4.28%4%
SparklendEthereum3.43MUSDC0%4.14%4%
ExactlyOP Mainnet1.68MUSDC0%3.95%3.99%
Benqi-lendingAvalanche1.97MUSDT0%4.98%3.98%
ExactlyOP Mainnet1.68MUSDC0%3.95%3.95%
Lazy-summer-protocolBase1.42MUSDC0.68%3.9%3.93%
TermmaxEthereum6.66MUSDC0%3.67%3.92%
Yearn-financeBase1.72MUSDC0%85.6%3.86%
ExactlyOP Mainnet1.68MUSDC0%1.78%3.8%
Yo-protocolBase14.49MUSDC0%4.16%3.79%
Yo-protocolEthereum2.81MUSDC0%4.16%3.79%
TermmaxBase1.25MUSDC0%4.14%3.78%
Centrifuge-protocolPharos15.05MUSDC0%3.14%3.77%
Centrifuge-protocolMonad4.51MUSDC0%3.68%3.77%
Kamino-lendSolana23.22MUSDC0%5.89%3.76%
Yearn-financeEthereum2.67MUSDC0%3.55%3.73%
Flux-financeEthereum2.64MUSDC0%3.69%3.7%
Kamino-lendSolana2.27MUSDC0%5.59%3.69%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum350.1M8.04%
Avalanche313.4M4.14%
Base1388.3M5.7%
BSC664.9M6.93%
Ethereum251.2B6.57%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.1M4.32%
Solana632M4.85%
TON13.6M5.76%
zkSync Era000%