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 3.59% on Feb 05 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
09/02/2026 21:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bracket-vaultsEthereum3.30MUSDC0%15.15%14.42%
FranciumSolana2.44MUSDC0%13.15%13.15%
Blend-pools-v2Stellar1.42MUSDC0.83%14.07%11.97%
AvantisBase88.42MUSDC0%11.37%11.9%
Storm-tradeTon5.66MUSDT0%9.32%11.86%
WasabiSolana2.09MUSDC0%8.99%10.63%
Blend-pools-v2Stellar7.33MUSDC0%11.86%10.26%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
Gains-networkArbitrum13.16MUSDC0%10.49%9.17%
Ipor-fusionEthereum6.10MUSDC0%5.94%8.76%
Yearn-financeEthereum1.36MUSDC0%5.04%8.41%
AutofinanceEthereum14.82MUSDC0.42%8.85%8.1%
LiqwidCardano2.35MUSDC1.58%12.47%7.91%
Ipor-fusionEthereum3.89MUSDT0%7.77%7.59%
Gains-networkBase2.38MUSDC0%10.73%7.36%
Woofi-earnArbitrum1.20MUSDC0%7.09%7.03%
Woofi-earnArbitrum1.20MUSDC0%7.09%7.03%
SymbiosisTron2.19MUSDT0%4.54%6.76%
Hyperlend-pooledHyperliquid8.79MUSDC0%5.92%6.65%
AcrossEthereum1.38MDAI0.38%7.17%6.52%
DolomiteEthereum7.99MUSDC0%4.28%6.35%
DeltaprimeAvalanche1.34MUSDC0%6.69%6.2%
Euler-v2Avalanche1.24MUSDC0%8.58%6.15%
VesperEthereum2.40MUSDC0%4.46%5.92%
WasabiBase7.73MUSDC0%7.2%5.59%
LoopscaleSolana4.90MUSDC0.64%8.22%5.45%
Harmonix-financeArbitrum1.25MUSDC0%5.22%5.37%
AutofinanceBase18.84MUSDC1.79%7.57%5.33%
Yo-protocolBase28.67MUSDC14%11.88%5.28%
Euler-v2Ethereum39.98MUSDC0%4.75%5.23%
Scallop-lendSui1.97MUSDC0%5.65%4.98%
Harvest-financeBase3.06MUSDC0%6.21%4.96%
Echelon-marketAptos10.11MUSDC0%4.77%4.8%
Ipor-fusionBase1.83MUSDC0%7.44%4.8%
LoopscaleSolana11.05MUSDC0%5.98%4.76%
Euler-v2Ethereum26.95MUSDC0%4.74%4.63%
Flux-financeEthereum1.61MUSDT0%4.6%4.63%
Yearn-financeEthereum7.32MUSDT0%4.77%4.45%
ExactlyOptimism1.76MUSDC0%4.39%4.38%
ExactlyOptimism1.76MUSDC0%4.21%4.23%
ExactlyOptimism1.76MUSDC0%4.2%4.23%
Flux-financeEthereum1.44MUSDC0%4.15%4.19%
Yearn-financeEthereum7.57MUSDT0%4.47%4.17%
AutofinanceArbitrum1.32MUSDC2.19%6.63%4.16%
MapleEthereum1.58BUSDT0%4.72%4.15%
ExactlyOptimism1.76MUSDC0%4.02%4.09%
Navi-lendingSui10.30MUSDC0.78%5.41%4.05%
ExactlyOptimism1.76MUSDC0%3.95%4.02%
Spark-savingsEthereum155.99MUSDC0%4%4%
Spark-savingsAvalanche113.93MUSDC0%4%4%
Yearn-financeEthereum33.19MUSDC0%4.67%3.96%
Folks-finance-xchainPolygon2.23MUSDT0%5.83%3.94%
ExactlyOptimism1.76MUSDC0%3.8%3.91%
ExactlyOptimism1.76MUSDC0%3.6%3.9%
ExactlyOptimism1.76MUSDC0%3.86%3.9%
Spark-savingsEthereum266.44MUSDT0%4%3.75%
Folks-finance-lendingAlgorand2.08MUSDC0%4.29%3.73%
Extra-finance-leverage-farmingBase4.97MUSDC0.14%6.06%3.72%
Yearn-financeEthereum12.72MDAI0%4.58%3.62%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum518.1M6.55%
Avalanche3116.5M5.45%
Base8155.9M6.12%
BSC000%
Ethereum202.2B6.14%
Hyperliquid18.8M6.65%
Mantle000%
Optimism814.1M4.08%
Polygon12.2M3.94%
Solana420.5M8.5%
TON15.7M11.86%
zkSync Era000%