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 3.60% on May 28 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
01/06/2026 17:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Canto-lendingCanto1.35MUSDC0%13.28%13.61%
LazyEthereum1.01MUSDC0%8.25%12.75%
LazyEthereum1.01MUSDC0%8.25%12.75%
Ember-protocolEthereum37.90MUSDC0%15.86%12.57%
Bracket-vaultsEthereum2.72MUSDC0%10.65%10.4%
Fluid-lendingEthereum128.04MUSDC1.32%5.79%10.39%
Fluid-lendingEthereum8.53MUSDC0%3.72%10.39%
Harmonix-financeHyperliquid L119.67MUSDC0%10.24%10.33%
GoldfinchEthereum36.72MUSDC0%10.05%10.12%
Ember-protocolSui1.20MUSDC0%10.01%10.01%
Bitway-earnBSC22.30MUSDT0%10.49%10%
AvantisBase43.84MUSDC0%10.68%10%
Harvest-financeBase1.90MUSDC0%9.77%9.64%
YieldseekerBase1.91MUSDC0%8.99%9.47%
AutofinanceEthereum1.90MUSDC0%9.78%9.35%
Ember-protocolSui1.64MUSDC0%9.56%8.75%
Moonwell-lendingBase1.45MUSDC1.18%5.82%8.66%
Ember-protocolSui1.13MUSDC0%7.79%8.59%
AccountableMonad1.06MUSDC1%9.98%8.4%
Blend-pools-v2Stellar10.65MUSDC0%8.6%8.36%
Fusion-by-iporEthereum1.49MUSDC0%4.82%8.16%
Ember-protocolSui6.02MUSDC4%12%8%
SymbiosisTron1.75MUSDT0%7.39%7.6%
LoopscaleSolana1.10MUSDC0.71%8%7.3%
Fluid-lendingArbitrum42.52MUSDC0%5.5%7.25%
Ember-protocolEthereum2.79MUSDC0%7.49%7.22%
Gains-networkArbitrum5.15MUSDC0%6.6%7.17%
Zerobase-cedefiEthereum14.28MUSDT2%9%7%
Zerobase-cedefiArbitrum7.62MUSDT2%9%7%
DeltaprimeAvalanche1.03MUSDC0%6.43%6.95%
Zerobase-cedefiBSC24.54MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.14MUSDC2%8.76%6.76%
Ember-protocolEthereum4.56MUSDC0%7.01%6.75%
Extra-finance-leverage-farmingBase3.57MUSDC0%6.24%6.51%
Centrifuge-protocolEthereum6.88MUSDC0%4.42%6.48%
Centrifuge-protocolBase1.09MUSDC0%4.42%6.48%
Centrifuge-protocolEthereum174.59MUSDC0%4.43%6.47%
Centrifuge-protocolAvalanche259.09MUSDC0%4.47%6.47%
Harvest-financeEthereum1.09MUSDC0%4.9%6.23%
Fluid-lendingBase9.24MUSDC0%5.56%6.03%
Storm-tradeTON3.57MUSDT0%6.1%5.62%
Kamino-lendSolana1.02MUSDC0%4.73%5.49%
Kamino-lendSolana7.01MUSDC0%5.74%5.46%
Jupiter-lendSolana18.65MUSDT0%3.31%5.45%
Kamino-lendSolana7.94MUSDC0%5.22%5.43%
Centrifuge-protocolMonad10MUSDC0%1.59%5.38%
Ember-protocolSui2.98MUSDC0%7.31%5.38%
Hyperlend-pooledHyperliquid L111.09MUSDC0%5.17%5.37%
Kamino-lendSolana6.23MUSDC0%5.08%5.29%
Benqi-lendingAvalanche2.95MUSDC0%7.15%5.23%
Yearn-financeEthereum5.12MUSDC0%5.68%5.15%
AutofinanceBase7.75MUSDC2.86%8.48%5.15%
Aave-v3Avalanche6.21MUSDC0%5.53%5.06%
AutofinanceEthereum7.60MUSDC0.63%5.06%5.04%
Ember-protocolSui1.75MUSDC6.53%12.86%4.95%
Benqi-lendingAvalanche1.08MUSDT0%5.45%4.92%
Aave-v3Avalanche2.67MUSDT0%5.64%4.75%
DolomiteArbitrum1.34MUSDC0%4.5%4.75%
Yearn-financeEthereum11.44MUSDC0%5.16%4.73%
Flux-financeEthereum1.67MUSDT0%4.59%4.6%
Navi-lendingSui4.31MUSDC0.57%4.77%4.6%
AmpleBase4.35MUSDC0%4.71%4.47%
Folks-finance-xchainPolygon1.03MUSDT0%4.56%4.47%
Yo-protocolEthereum3.14MUSDC0%4.12%4.46%
Yo-protocolBase14.64MUSDC0%4.11%4.46%
TermmaxBase1.25MUSDC0%3.86%4.44%
Folks-finance-lendingAlgorand1.40MUSDC0%4.48%4.4%
Jupiter-lendSolana423.99MUSDC1.15%4.78%4.33%
ExactlyOP Mainnet1.57MUSDC0%4.14%4.18%
ExactlyOP Mainnet1.57MUSDC0%4.11%4.16%
Euler-v2Monad2.38MUSDC0%6.78%4.11%
MapleEthereum0.97BUSDT0%4.34%4.1%
ExactlyOP Mainnet1.57MUSDC0%4.03%4.07%
ExactlyOP Mainnet1.57MUSDC0%3.93%4.03%
ExactlyOP Mainnet1.57MUSDC0%3.91%4%
SparklendEthereum3.54MUSDC0%4.15%4%
ExactlyOP Mainnet1.57MUSDC0%3.95%3.99%
ExactlyOP Mainnet1.57MUSDC0%3.93%3.97%
ExactlyOP Mainnet1.57MUSDC0%3.93%3.96%
Lazy-summer-protocolBase1.40MUSDC0.7%3.92%3.84%
ExactlyOP Mainnet1.57MUSDC0%1.46%3.76%
TermmaxEthereum6.71MUSDC0%3.41%3.72%
Flux-financeEthereum2.66MUSDC0%3.68%3.69%
Yearn-financeEthereum2.67MUSDC0%3.5%3.66%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum456.6M6.54%
Avalanche6273M5.56%
Base1292.4M6.6%
BSC349M7.84%
Ethereum251.4B7.21%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11M4.47%
Solana7465.9M5.54%
TON13.6M5.62%
zkSync Era000%