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 % on ). 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
12/10/2026 22:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Neutral-tradeSolana2.25MUSDC0%51.24%44.95%
Neutral-tradeSolana1.41MUSDC0%65.73%34.49%
Harvest-financeBase1.82MUSDC0%40.56%24.75%
EnsuroEthereum1.30MUSDC0%21.44%19.99%
Rhea-lendNear1.19MUSDC0%8.11%18%
VerantaBase9.60MUSDC0%19.38%17.95%
Rhea-lendNear1.24MUSDT0%8.72%17.68%
Vectis-financeEthereum1.26MUSDC0%13.07%15.04%
AccountableEthereum1.05MUSDC0.75%14.92%14.25%
AccountableEthereum2.65MUSDC10.54%34.96%14.18%
Ember-protocolSui8.77MUSDC0%10.96%12.96%
Ember-protocolEthereum1.64MUSDC0%12.93%12.93%
Ember-protocolEthereum2.63MUSDC0%12.97%12.9%
AccountableEthereum3.40MUSDC0%11.63%12.82%
AccountableEthereum11.08MUSDC0%12.33%12.13%
AccountableMonad5.44MUSDC0.41%12.11%11.64%
AccountableMonad7.50MUSDC1.02%16.18%11.6%
Ember-protocolEthereum5.84MUSDC0%11.07%11.47%
Pareto-creditEthereum11.10MUSDC0%10.59%10.59%
Aave-v3Monad8.94MUSDC0%6.14%10.42%
Midas-rwaEthereum26.36MUSDC0%8.79%10.21%
Ember-protocolSui10.01MUSDC0%10.13%10.01%
AguaEthereum11.02MUSDC0%10%10%
Neutral-tradeSolana4.22MUSDC0%13.76%9.69%
Kamino-lendSolana1.85MUSDC0%6.59%9.57%
Ember-protocolEthereum3.72MUSDC0%9.59%9.51%
AccountableMonad74.98MUSDC0.27%11.51%9.5%
Pareto-creditEthereum1.98MUSDC0%9.38%9.38%
Nawa-protocolZIGChain3.45MUSDC0%9.8%9.29%
Midas-rwaEthereum6.62MUSDC0%6.75%8.63%
Neutral-tradeSolana2.44MUSDC0%12.12%8.5%
Midas-rwaEthereum31.15MUSDC0%7.35%8.38%
Pareto-creditEthereum127.26MUSDC0%7.91%8.06%
Neutral-tradeSolana1.39MUSDC0%8.52%8.04%
Bitway-earnBSC23.53MUSDT0%8%8%
Ember-protocolSui8.75MUSDC4%12%8%
Coinmerce-capitalHyperliquid L11.74MUSDC0%6.07%7.64%
Sentora-curatorEthereum95.66MUSDC0%7.47%7.51%
Centrifuge-protocolEthereum2.68MUSDT0%5.41%7.5%
Bitway-earnBSC2.17MUSDT0%7.5%7.5%
Midas-rwaEthereum65.81MUSDC0%7.54%7.49%
AccountableMonad2.16MUSDC0.48%7.46%7.28%
Zerobase-cedefiEthereum14.19MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.61MUSDT2%9%7%
Yearn-financeEthereum7.43MUSDC0%6.88%6.9%
Yearn-financeEthereum11.60MUSDC0%6.69%6.88%
Vectis-financeSolana3.20MUSDC0%6.7%6.78%
Zerobase-cedefiBSC16.79MUSDT2%8.76%6.76%
Midas-rwaEthereum3.91MUSDC0%7.13%6.76%
Midas-rwaEthereum2.52MUSDC0%7.11%6.76%
Zerobase-cedefiBSC1.92MUSDC2%8.76%6.76%
Blend-pools-v2Stellar11.07MUSDC0%7.36%6.73%
Pareto-creditEthereum22.09MUSDC0%6.62%6.62%
Extra-finance-leverage-farmingBase3.52MUSDC0%6.52%6.6%
Fusion-by-iporEthereum1.28MUSDC0%6.17%6.56%
Euler-v2Monad5.79MUSDC1.25%7.73%6.55%
AccountableEthereum1.25MUSDC0%14.31%6.5%
Harvest-financeBase1.04MUSDC0%7.07%6.48%
Ember-protocolEthereum17.78MUSDC0%11.05%6.32%
Fluid-lendingArbitrum56.02MUSDC0%4.78%6.2%
Midas-rwaBase51.54MUSDC0%3.92%6.2%
Midas-rwaRobinhood Chain36.04MUSDC0%3.98%6.2%
Midas-rwaEthereum34.06MUSDC0%6.46%6.1%
Fluid-lendingEthereum137.44MUSDC0%4.91%6.06%
AccountableMonad6.68MUSDC0.47%5.69%5.92%
Harmonix-financeHyperliquid L115.80MUSDC0%6.39%5.89%
Kamino-lendSolana5.75MUSDC0%4.84%5.78%
Harvest-financeEthereum1.16MUSDC0%6.14%5.74%
SymbioticEthereum1.01MUSDC0%6.14%5.6%
Loopscale-lendingSolana1.13MUSDC0.57%6.83%5.56%
Centrifuge-protocolAvalanche262.92MUSDC0%3.89%5.54%
Centrifuge-protocolBase22.75MUSDC0%3.88%5.54%
Centrifuge-protocolBSC1.02MUSDC0%3.87%5.54%
Centrifuge-protocolEthereum9.31MUSDC0%3.83%5.54%
MapleEthereum698.70MUSDT0%5.07%5.53%
Alchemix-v3Ethereum7.74MUSDC0%5.3%5.52%
AutofinanceEthereum7.59MUSDC0.93%6.26%5.48%
Jupiter-lendSolana496.91MUSDC0.36%4.53%5.37%
Gains-networkArbitrum4.28MUSDC0%34.16%5.32%
Benqi-lendingAvalanche2.21MUSDC0%6.41%5.15%
DolomiteArbitrum1.01MUSDC0%4.52%5.03%
Navi-lendingSui8.51MUSDC0.54%5.27%5.03%
Aave-v3Avalanche6.02MUSDC0%5.48%5.01%
Kamino-lendSolana1.57MUSDC0%5.13%5%
Kamino-lendSolana3.22MUSDC0%5.17%4.98%
Aave-v4Ethereum2.42MUSDC0%4.94%4.94%
Yearn-financeBase1.37MUSDC0%4.87%4.86%
Fusion-by-iporBase2.67MUSDC0%5.03%4.73%
Kamino-lendSolana1.24MUSDC0%4.45%4.72%
SymbiosisEthereum1.16MUSDC0%4.35%4.64%
Midas-rwaEthereum1.72MUSDC0%8.32%4.53%
AutofinanceBase3.52MUSDC4.37%10.15%4.53%
Yo-protocolBase7.84MUSDC0%4.32%4.51%
Yo-protocolEthereum1.35MUSDC0%4.32%4.51%
Ember-protocolEthereum2.04MUSDC0%4.54%4.45%
Flux-financeEthereum1.95MUSDT0%4.44%4.44%
Aave-v3Base16.80MUSDC0%3.87%4.43%
Compound-v3Ethereum36.77MUSDC0%4.53%4.4%
ExactlyOP Mainnet1.55MUSDC0%4.34%4.34%
Gami-labsBase3.03MUSDC0%3.21%4.33%
Spectra-metavaultsBase3.03MUSDC0%3.19%4.33%
ExactlyOP Mainnet1.55MUSDC0%4.29%4.3%
CurvanceMonad3.13MUSDC1.8%6.11%4.28%
Yearn-financeEthereum2.39MUSDC0%4.11%4.25%
ExactlyOP Mainnet1.55MUSDC0%4.22%4.25%
ExactlyOP Mainnet1.55MUSDC0%4.18%4.21%
ExactlyOP Mainnet1.55MUSDC0%4.37%4.21%
Fluid-lendingBase12MUSDC3.49%7.28%4.2%
ExactlyOP Mainnet1.55MUSDC0%4.31%4.16%
Flux-financeEthereum1.60MUSDC0%4.14%4.14%
TydroInk18.96MUSDC0%4.14%4.12%
ExactlyOP Mainnet1.55MUSDC0%4.03%4.04%
Fusion-by-iporBase1.04MUSDC1.98%6.44%4.04%
ExactlyOP Mainnet1.55MUSDC0%2.28%4.02%
Centrifuge-protocolBase7.15MUSDC0%4.03%3.95%
Centrifuge-protocolPharos4.56MUSDC0%3.58%3.95%
Centrifuge-protocolBSC1.01MUSDC0%3.58%3.95%
Aave-v3OP Mainnet1MUSDC0%3.14%3.89%
Aave-v3OP Mainnet1MUSDC0%3.14%3.89%
ExactlyOP Mainnet1.55MUSDC0%4.1%3.89%
Echelon-marketAptos1.24MUSDC2.77%5.48%3.89%
ExactlyOP Mainnet1.55MUSDC0%3.51%3.87%
Fluid-lendingEthereum129.82MUSDT0%4.51%3.86%
Aave-v3Ethereum142.26MUSDC0%4.31%3.84%
Aave-v3Ethereum53.33MUSDC1.82%5.88%3.84%
Spark-savingsEthereum310.02MUSDC0%3.63%3.8%
Spark-savingsAvalanche2.61MUSDC0%3.63%3.8%
Hyperlend-pooledHyperliquid L16.53MUSDC0%4.49%3.8%
Aave-v3Polygon1.09MDAI0%4.54%3.78%
Storm-tradeTON2.68MUSDT0%4.85%3.77%
Midas-rwaEthereum6.44MUSDC0%3.55%3.77%
Midas-rwaEtherlink1.13MUSDC0%3.52%3.77%
Venus-core-poolBSC8.22MUSDC0%3.81%3.75%
Spark-savingsEthereum725.11MUSDT0%3.56%3.75%
Midas-rwaEthereum74.91MUSDC0%3.48%3.73%
Midas-rwaEtherlink1.22MUSDC0%3.48%3.73%
Yearn-financeEthereum1.12MUSDC0%3.43%3.7%
Jupiter-lendSolana17.34MUSDT0%3.79%3.67%
Yearn-financeEthereum19.65MUSDC0%3.66%3.62%
Midas-rwaEtherlink4.95MUSDC0%5.21%3.61%
SparklendEthereum4.59MUSDC0%3.4%3.56%
Aave-v4Ethereum2.75MUSDT0%4.24%3.45%
Venus-core-poolBSC42.15MUSDT0%3.17%3.45%
Kamino-lendSolana1.22MUSDC0%2.43%3.45%
Aave-v3Ethereum269.25MUSDT0%3.86%3.42%
Aave-v3Ethereum62.07MUSDT1.64%5.4%3.42%
Benqi-lendingAvalanche1.02MUSDT0%3.45%3.42%
Lista-lendingBSC2.78MUSDT0%3.94%3.41%
DolomiteEthereum27.52MUSDC4.63%7.39%3.41%
Aave-v3Ethereum11.28MDAI0%3.23%3.4%
SparklendEthereum16.28MUSDT0%3.4%3.39%
Aave-v3Avalanche3.06MUSDT0%4.05%3.38%
Yearn-financeEthereum5.74MUSDT0%3.27%3.37%
Zerobase-cedefiOP Mainnet8.09MUSDT2%5.3%3.3%
SaveSolana5.15MUSDC0%3.15%3.24%
Aave-v3Arbitrum18.82MUSDC0%3.13%3.21%
Compound-v3Ethereum17.85MUSDT0%3.09%3.21%
Aave-v3BSC2.10MUSDC0%3.34%3.13%
Aave-v3Polygon10.50MUSDC0%3.05%3.09%
Compound-v3Arbitrum2.24MUSDC0%2.99%3.06%
Venus-fluxBSC1.33MUSDT0%2.79%2.93%
Aave-v3BSC12.43MUSDT0%2.89%2.9%
Yearn-financeEthereum7.06MDAI0%2.93%2.88%
Aave-v3Ethereum1.50MUSDC0%3.24%2.86%
SparklendEthereum75.27MDAI0%2.66%2.85%
Lista-lendingBSC1.34MUSDT0%3.23%2.51%
Justlend-v1Tron74.24MUSDT0%2.13%2.42%
Native-credit-poolEthereum1.14MUSDC0%4.56%2.41%
Compound-v3Arbitrum5.13MUSDT0%2.5%2.35%
SaveSolana2MUSDT0%1.92%2.28%
CurrentSui1.10MUSDT2.92%7.04%2.25%
CurrentSui24.96MUSDC4.94%8.18%1.8%
Lista-lendingEthereum4.35MUSDC6.35%6.97%1.42%
Native-credit-poolEthereum3.78MUSDT0%3.07%1.17%
Lista-lendingEthereum3.87MUSDT5.46%5.75%1.13%
ExactlyOP Mainnet1.55MUSDC0%1.07%1.04%
Aave-v4Avalanche6.45MUSDC4.04%4.92%0.56%
TectonicCronos1.45MUSDC0.02%0.54%0.41%
AcrossEthereum1.03MUSDC4.64%4.65%0.34%
Centrifuge-protocolPlume Mainnet20.68MUSDC0%1.07%0.33%
Aave-v4Avalanche8.27MUSDT5.99%6.5%0.19%
CredixSolana13.41MUSDC0%0.06%0.03%
AcrossEthereum1.12MUSDT2.95%3.28%0%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum795.1M4.6%
Avalanche8292.6M3.38%
Base17159.3M6.97%
BSC13116.8M4.66%
Ethereum733.4B6.15%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon211.6M3.43%
Solana18565.7M9.23%
TON12.7M3.77%
zkSync Era000%