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 3.81% on Jul 23 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
25/07/2026 20:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableMonad7.54MUSDC0.73%36.05%35.33%
AccountableMonad94.13MUSDC0.18%14.29%17.6%
AccountableEthereum3.51MUSDC11.55%17.57%16.59%
AccountableEthereum1.05MUSDC0%14.25%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum7.92MUSDC0%12.94%12.9%
AccountableEthereum2.23MUSDC0%11.22%11.64%
Harvest-financeBase1.87MUSDC0%12.68%11.54%
AzuroPolygon1.28MUSDT0%5.43%10.99%
Midas-rwaEthereum48.02MUSDC0%10.56%10.66%
Midas-rwaMonad1.84MUSDC0%10.56%10.66%
Pareto-creditEthereum15.17MUSDC0%10.59%10.59%
Midas-rwaEthereum70.27MUSDC0%11.92%10.38%
Ember-protocolSui1.09MUSDC0%9.86%10.29%
Midas-rwaEthereum6.97MUSDC0%8.96%10.29%
GoldfinchEthereum35.96MUSDC0%10.09%10.21%
Ember-protocolSui1.21MUSDC0%8.93%9.89%
Midas-rwaEthereum7.27MUSDC0%3.62%9.44%
Midas-rwaEtherlink1.12MUSDC0%3.61%9.44%
Pareto-creditEthereum2.13MUSDC0%9.38%9.38%
Bracket-vaultsEthereum2.65MUSDC0%9.48%9.31%
Midas-rwaEtherlink4.78MUSDC0%7.71%9.22%
Ember-protocolEthereum3.23MUSDC0%9.07%9.14%
AccountableMonad10.07MUSDC0.44%9.9%8.89%
Ember-protocolSui5.08MUSDC0%8.92%8.86%
Ember-protocolSui1.33MUSDC0%8.22%8.38%
Pareto-creditEthereum170.71MUSDC0%8.31%8.31%
YieldseekerBase2.02MUSDC0%8.45%8.22%
Bitway-earnBSC23.39MUSDT0%8.34%8%
Ember-protocolSui7.81MUSDC4%12%8%
Blend-pools-v2Stellar11.60MUSDC0%7.47%7.87%
Midas-rwaEthereum4.54MUSDC0%6.67%7.82%
AvantisBase20.81MUSDC0%9.31%7.77%
Midas-rwaEthereum2.50MUSDC0%7.86%7.7%
Yearn-financeEthereum6.17MUSDC0%6.46%7.7%
Midas-rwaEthereum6.66MUSDC0%7.87%7.69%
Harmonix-financeHyperliquid L119.83MUSDC0%8.61%7.49%
AccountableMonad2.47MUSDC0.5%7.43%7.28%
Pareto-creditEthereum21.87MUSDC0%7.13%7.13%
Midas-rwaEthereum1.98MUSDC0%9.9%7.11%
Gami-labsStellar16.81MUSDC0%7%7%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
LoopscaleSolana2.02MUSDC0.22%7.5%6.88%
Zerobase-cedefiBSC20.93MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.07MUSDC2%8.76%6.76%
Ember-protocolEthereum16.93MUSDC0%7.25%6.7%
Yearn-financeEthereum9.29MUSDC0%6.05%6.55%
Kamino-lendSolana4.28MUSDC0%6.91%6.52%
AutofinanceEthereum8.69MUSDC0.41%6.77%6.5%
Extra-finance-leverage-farmingBase3.50MUSDC0%6.36%6.28%
Yearn-financeEthereum1.18MUSDC0%5.07%6.17%
Fusion-by-iporEthereum2.60MUSDC0%5.96%6%
Harvest-financeEthereum1.16MUSDC0%7.16%5.94%
Ember-protocolSui1.08MUSDC6.84%11.77%5.93%
AutofinanceBase5.27MUSDC2.4%7.36%5.91%
Hyperlend-pooledHyperliquid L112.48MUSDC0%7.02%5.8%
SymbiosisTron1.47MUSDT0%6.07%5.78%
Storm-tradeTON3.59MUSDT0%5.85%5.74%
Fluid-lendingArbitrum35.33MUSDC0%5.63%5.72%
Ember-protocolSui5.68MUSDC0%6.91%5.67%
Fluid-lendingEthereum140.90MUSDC0%5.8%5.65%
Fluid-lendingEthereum9.10MUSDC0%5.63%5.65%
Fluid-lendingBase8.81MUSDC0%5.43%5.46%
Justlend-v1Tron28.53MUSDT0%2.22%5.22%
Navi-lendingSui6.25MUSDC0.43%5.7%5.19%
Lista-lendingBSC1.89MUSDT0.54%6.67%5.19%
Euler-v2Monad1.84MUSDC2.62%7.27%5.15%
Gains-networkArbitrum6.36MUSDC0%6.11%5.06%
LoopscaleSolana1.47MUSDC0%5.87%4.97%
Yearn-financeBase1.77MUSDC0%4.97%4.94%
VesperEthereum1.20MUSDC0%1.26%4.92%
DolomiteArbitrum1.22MUSDC0%4.67%4.87%
SymbiosisEthereum1.04MUSDC0%5.11%4.63%
SymbiosisEthereum1.04MUSDC0%5.11%4.63%
Centrifuge-protocolAvalanche260.48MUSDC0%3.55%4.58%
Centrifuge-protocolBase50.23MUSDC0%3.55%4.58%
Centrifuge-protocolEthereum5.74MUSDC0%3.54%4.57%
Centrifuge-protocolBase2.02MUSDC0%3.55%4.57%
Euler-v2Ethereum7.84MUSDC0%3.6%4.56%
Lista-lendingBSC6.25MUSDT0%4.95%4.44%
Yo-protocolBase10.01MUSDC0%4.11%4.42%
Yo-protocolEthereum2.38MUSDC0%4.11%4.42%
Lista-lendingBSC6.25MUSDT0%4.67%4.42%
Flux-financeEthereum2.05MUSDT0%4.44%4.41%
MapleEthereum869.88MUSDT0%4.11%4.37%
Ember-protocolEthereum3.95MUSDC0%0.69%4.37%
Native-credit-poolBSC5.01MUSDT0%4.01%4.35%
Fluid-lendingEthereum138.69MUSDT0%5.4%4.34%
ExactlyOP Mainnet1.73MUSDC0%4.25%4.33%
Kamino-lendSolana6.48MUSDC0%4.75%4.32%
ExactlyOP Mainnet1.73MUSDC0%4.2%4.26%
ExactlyOP Mainnet1.73MUSDC0%4.17%4.24%
Jupiter-lendSolana415.12MUSDC0.73%4.78%4.24%
TermmaxBase1.20MUSDC0%3.89%4.2%
ExactlyOP Mainnet1.73MUSDC0%4.08%4.19%
ExactlyOP Mainnet1.73MUSDC0%4.12%4.17%
ExactlyOP Mainnet1.73MUSDC0%3.93%4.1%
ExactlyOP Mainnet1.73MUSDC0%4%4.06%
ExactlyOP Mainnet1.73MUSDC0%3.61%4.04%
TermmaxEthereum4.40MUSDC0%3.55%4.01%
Kamino-lendSolana1.04MUSDT0%3.55%3.98%
Native-credit-poolEthereum1.95MUSDT0%3.28%3.86%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum450.5M5.66%
Avalanche1260.5M4.58%
Base11107.5M6.17%
BSC765.8M5.7%
Ethereum411.7B7.5%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.3M10.99%
Solana6430.4M5.15%
TON13.6M5.74%
zkSync Era000%