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 3.74% on Aug 06 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
08/08/2026 04:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AzuroPolygon1.37MUSDT0%20.18%54.36%
AccountableMonad7.63MUSDC0.94%31%24.96%
Moonwell-lendingBase1.16MUSDC0.35%4.79%19.39%
Midas-rwaEthereum1.73MUSDC0%9.92%17.5%
Neutral-tradeSolana2.12MUSDC0%16.33%16.91%
Ember-protocolSui1.21MUSDC0%10.72%16.46%
AccountableMonad100.19MUSDC0.27%16.62%16%
Midas-rwaEtherlink4.79MUSDC0%8.48%14.91%
AccountableEthereum1.06MUSDC1.25%14.3%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
AccountableEthereum3.92MUSDC10.18%21.44%13.4%
Ember-protocolEthereum7.23MUSDC0%12.86%12.9%
AccountableEthereum2.28MUSDC0%10.85%11.53%
Ember-protocolSui1.31MUSDC0%8.54%10.84%
Pareto-creditEthereum15.29MUSDC0%10.59%10.58%
Euler-v2Ethereum4.54MUSDC0%4.51%10.57%
Harvest-financeBase1.87MUSDC0%12.18%10.49%
Ember-protocolSui6.36MUSDC0%9.15%10.35%
Midas-rwaEthereum71.71MUSDC0%10.25%10.33%
AvantisBase20.75MUSDC0%9.49%10.31%
GoldfinchEthereum35.95MUSDC0%10.13%10.21%
Midas-rwaEthereum27.21MUSDC0%3.59%10%
AccountableMonad1.03MUSDC0%10.3%10%
AccountableMonad1.03MUSDC0%10.3%10%
YieldseekerBase1.25MUSDC0%8.9%9.9%
Ember-protocolEthereum3.33MUSDC0%9.4%9.69%
Ember-protocolSui1.07MUSDC0%9.66%9.54%
Pareto-creditEthereum2.14MUSDC0%9.38%9.38%
Bracket-vaultsEthereum2.60MUSDC0%9.35%9.3%
Midas-rwaEthereum6.40MUSDC0%6.3%9.23%
Midas-rwaEtherlink1.12MUSDC0%6.32%9.23%
Ember-protocolEthereum5.91MUSDC0%6.75%9.02%
Midas-rwaEthereum37.39MUSDC0%10.03%9%
Midas-rwaEthereum8.07MUSDC0%9.37%8.81%
Native-credit-poolEthereum5.45MUSDC0%3.91%8.73%
Euler-v2Monad1.60MUSDC2.64%9.15%8.39%
Nawa-protocolZIGChain3.82MUSDC0%9.13%8.29%
Pareto-creditEthereum167.57MUSDC0%8.26%8.02%
Bitway-earnBSC24.46MUSDT0%8%8%
Ember-protocolSui8.22MUSDC4%12%8%
AccountableMonad10.07MUSDC0.5%9.38%7.67%
Extra-finance-leverage-farmingBase3.19MUSDC0%6.69%7.35%
AccountableMonad1.73MUSDC0.48%7.65%7.28%
Pareto-creditEthereum21.86MUSDC0%7.13%7.13%
Neutral-tradeSolana3.12MUSDC0%5.41%7.01%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
Ember-protocolEthereum17.37MUSDC0%6.7%6.95%
LoopscaleSolana1.83MUSDC0.27%7.12%6.86%
Yearn-financeEthereum7.03MUSDC0%7.08%6.83%
Zerobase-cedefiBSC20.31MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.02MUSDC2%8.76%6.76%
Blend-pools-v2Stellar14.08MUSDC0%7.52%6.75%
Yo-protocolBase1.09MUSDC0%6.91%6.66%
Yearn-financeEthereum1.19MUSDC0%5.78%6.45%
SentoraEthereum40.80MUSDC0%6.38%6.37%
Harvest-financeEthereum1.15MUSDC0%6.4%6.24%
Harmonix-financeHyperliquid L118.39MUSDC0%7.59%6.2%
Midas-rwaEthereum6.67MUSDC0%7.63%6.19%
Midas-rwaEthereum2.50MUSDC0%7.62%6.19%
Ember-protocolSui1.16MUSDC5.02%11.63%6.05%
Neutral-tradeSolana2.48MUSDC0%5.16%5.99%
Hyperlend-pooledHyperliquid L111.79MUSDC0%7.26%5.9%
Centrifuge-protocolAvalanche260.94MUSDC0%3.92%5.88%
Centrifuge-protocolBase50.32MUSDC0%3.92%5.88%
Centrifuge-protocolEthereum5.73MUSDC0%3.93%5.88%
Kamino-lendSolana1.70MUSDC0%4.61%5.75%
Storm-tradeTON3.20MUSDT0%5.73%5.61%
Yearn-financeEthereum9.04MUSDC0%5.97%5.58%
Ember-protocolSui4.79MUSDC0%6.01%5.51%
Lista-lendingBSC1.94MUSDT0.15%6.88%5.37%
AutofinanceEthereum8.54MUSDC0.41%6.49%5.29%
Fluid-lendingBase9.06MUSDC0%5.29%5.28%
AutofinanceBase4.93MUSDC2.62%7.88%5.26%
SparklendEthereum15.24MUSDT0%3.74%5.13%
SymbiosisEthereum1.24MUSDC0%4.43%5.07%
Fluid-lendingArbitrum37.40MUSDC0%5.24%4.95%
Yearn-financeBase1.81MUSDC0%4.95%4.91%
SymbiosisTron1.39MUSDT0%5.28%4.9%
Fluid-lendingEthereum146.93MUSDC0%5.22%4.88%
Fluid-lendingEthereum9.03MUSDC0%5.22%4.88%
LoopscaleSolana1.65MUSDC0%5.35%4.83%
Jupiter-lendSolana415.27MUSDC0.73%4.74%4.78%
Fusion-by-iporBase1.12MUSDC2.5%7.86%4.77%
Yo-protocolBase9.75MUSDC0%4.22%4.76%
Yo-protocolEthereum2.08MUSDC0%4.22%4.76%
Alchemix-v3Ethereum7.48MUSDC0%4.53%4.59%
Benqi-lendingAvalanche3.34MUSDC0%3.96%4.49%
Fluid-lendingEthereum136.60MUSDT0%4.58%4.47%
Fusion-by-iporEthereum1.57MUSDC0%5.76%4.47%
Flux-financeEthereum2.07MUSDT0%4.42%4.4%
Navi-lendingSui8.50MUSDC0.41%5.56%4.4%
DolomiteArbitrum1.39MUSDC0%4.63%4.38%
ExactlyOP Mainnet1.55MUSDC0%4.33%4.36%
ExactlyOP Mainnet1.55MUSDC0%4.25%4.29%
ExactlyOP Mainnet1.55MUSDC0%4.17%4.24%
Kamino-lendSolana10.89MUSDC0%4.07%4.23%
Kamino-lendSolana1.45MUSDC0%4.28%4.23%
ExactlyOP Mainnet1.55MUSDC0%4.16%4.2%
ExactlyOP Mainnet1.55MUSDC0%4.06%4.15%
MapleEthereum0.98BUSDT0%4.21%4.14%
ExactlyOP Mainnet1.55MUSDC0%4.05%4.11%
ExactlyOP Mainnet1.55MUSDC0%4.14%4.01%
ExactlyOP Mainnet1.55MUSDC0%3.69%4%
Midas-rwaEthereum4.55MUSDC0%5.88%3.78%
AmpleBase4.40MUSDC0%4.12%3.76%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum346.4M5.44%
Avalanche2264.3M5.18%
Base13110.7M7.59%
BSC448.7M6.72%
Ethereum421.9B7.84%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.4M54.36%
Solana9440.5M6.73%
TON13.2M5.61%
zkSync Era000%