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
22/10/2026 04:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableMonad1.14MUSDC0%42.44%57.23%
Harvest-financeBase1.76MUSDC0%26.65%28.95%
VerantaBase9.81MUSDC0%19.7%27.1%
EnsuroEthereum1.30MUSDC0%22.03%20.47%
Rhea-lendNear1.20MUSDC0%9.29%19.12%
AccountableEthereum1.23MUSDC0%14.85%14.25%
Ember-protocolEthereum1.64MUSDC0%12.93%12.93%
Ember-protocolEthereum2.62MUSDC0%13.03%12.9%
Rhea-lendNear1.74MUSDT0%9.39%12.16%
AccountableEthereum13.10MUSDC0%12.21%12.13%
Vectis-financeEthereum1.80MUSDC0%13.08%11.78%
AccountableMonad5.44MUSDC0.47%12.1%11.64%
Coinmerce-capitalHyperliquid L11.75MUSDC0%7.16%11.63%
Aave-v3Ethereum25.60MUSDC0%4.35%11.23%
AccountableEthereum3.41MUSDC0%13.44%11.02%
Neutral-tradeSolana2.14MUSDC0%43.87%10.67%
Pareto-creditEthereum11.10MUSDC0%10.59%10.59%
Ember-protocolEthereum18.03MUSDC0%10.21%10.38%
Midas-rwaEthereum26.36MUSDC0%8.32%10.21%
Ember-protocolSui10.57MUSDC0%10.11%10%
AguaEthereum11.80MUSDC0%10%10%
AguaMonad9.08MUSDC0%10%10%
Neutral-tradeSolana1.28MUSDC0%8.33%9.68%
AccountableMonad74.83MUSDC0.25%10.93%9.5%
Ember-protocolEthereum3.67MUSDC0%9.58%9.42%
Pareto-creditEthereum2.02MUSDC0%9.38%9.38%
Nawa-protocolZIGChain3.46MUSDC0%10.22%9.33%
Gains-networkArbitrum4.21MUSDC0%24.04%8.81%
Centrifuge-protocolEthereum1.65MUSDT0%7.25%8.79%
Vectis-financeSolana2.69MUSDC0%7.31%8.65%
Midas-rwaEthereum8.85MUSDC0%7.3%8.54%
Pareto-creditEthereum130.86MUSDC0%7.98%8.06%
Bitway-earnBSC21.76MUSDT0%8%8%
Ember-protocolSui8.65MUSDC4%12%8%
Kamino-lendSolana56.94MUSDC0%8.02%7.67%
Lista-lendingBSC2.78MUSDT0%3.83%7.63%
Kamino-lendSolana7.27MUSDC0%7.63%7.59%
Bitway-earnBSC1.32MUSDT0%7.5%7.5%
Sentora-curatorEthereum98.74MUSDC0%7.65%7.48%
SymbiosisEthereum1.09MUSDC0%4.62%7.48%
Midas-rwaEthereum65.99MUSDC0%7.49%7.43%
AccountableEthereum1.79MUSDC0%11.73%7.3%
Midas-rwaEthereum28.94MUSDC0%7.45%7.26%
Midas-rwaEthereum3.41MUSDC0%7.01%7.15%
Midas-rwaEthereum1.44MUSDC0%7.01%7.15%
SymbioticEthereum1.01MUSDC0%6.08%7.12%
Harvest-financeBase1.07MUSDC0%6.79%7.08%
Yearn-financeEthereum7.46MUSDC0%6.9%7.05%
AccountableMonad2.16MUSDC0.24%7.59%7.03%
Zerobase-cedefiEthereum14.20MUSDT2%9%7%
Zerobase-cedefiBase10.53MUSDC2%9%7%
Zerobase-cedefiArbitrum7.61MUSDT2%9%7%
Zerobase-cedefiBSC16.75MUSDT2%8.76%6.76%
Zerobase-cedefiBSC1.88MUSDC2%8.76%6.76%
Pareto-creditEthereum21.96MUSDC0%6.62%6.62%
Fusion-by-iporEthereum1.27MUSDC0%6.31%6.59%
Euler-v2Monad3.60MUSDC1.25%7.81%6.47%
Yearn-financeEthereum11.75MUSDC0%6.71%6.28%
Midas-rwaBase51.54MUSDC0%5.85%6.2%
Midas-rwaRobinhood Chain36.04MUSDC0%5.85%6.2%
AccountableMonad6.67MUSDC0.23%6.05%6.13%
Harvest-financeEthereum1.16MUSDC0%6.03%6.12%
Alchemix-v3Ethereum7.80MUSDC0%5.39%6.1%
Midas-rwaEthereum34.06MUSDC0%6.15%6.1%
Neutral-tradeSolana2.06MUSDC0%9.73%6.04%
Harmonix-financeHyperliquid L115.02MUSDC0%6.19%5.91%
Blend-pools-v2Stellar14.81MUSDC0%7.01%5.73%
Kamino-lendSolana10.80MUSDC0.12%6.49%5.71%
Benqi-lendingAvalanche1.65MUSDC0%7.75%5.59%
Neutral-tradeSolana3.90MUSDC0%11.41%5.55%
Navi-lendingSui5.93MUSDC0.58%5.51%5.54%
Ember-protocolEthereum2.05MUSDC0%4.44%5.49%
Kamino-lendSolana1.27MUSDC0.12%5.64%5.45%
Kamino-lendSolana1.06MUSDC0.12%5.57%5.41%
Jupiter-lendSolana494.76MUSDC0%6.12%5.41%
MapleEthereum748.63MUSDT0%5.29%5.34%
Kamino-lendSolana4.72MUSDC0.02%6.01%5.31%
Fluid-lendingEthereum134.63MUSDC0%5.39%5.19%
AutofinanceEthereum7.48MUSDC0.84%6.24%5.18%
Kamino-lendSolana1.61MUSDC0.1%5.54%5.18%
Kamino-lendSolana60.53MUSDC0.06%5.32%5.13%
Kamino-lendSolana10.72MUSDC0.36%5.88%5.06%
Yearn-financeBase1.90MUSDC0%4.85%4.91%
Kamino-lendSolana2.48MUSDC0%5.58%4.9%
Midas-rwaEthereum74.24MUSDC0%3.32%4.84%
Midas-rwaEtherlink1.23MUSDC0%3.32%4.84%
Fusion-by-iporBase2.94MUSDC0%4.62%4.79%
AccountableMonad6.39MUSDC0.89%15.1%4.76%
Fluid-lendingEthereum130.51MUSDT0%4.39%4.65%
Kamino-lendSolana2.06MUSDC0.02%5.16%4.54%
Fusion-by-iporBase1.07MUSDC1.78%6.2%4.53%
Kamino-lendSolana2.20MUSDC0%5.08%4.51%
Kamino-lendSolana1.32MUSDC0%4.91%4.5%
Kamino-lendSolana10.87MUSDC0%5.3%4.5%
Flux-financeEthereum1.95MUSDT0%4.44%4.44%
Fluid-lendingBase9.81MUSDC0%8.27%4.43%
Kamino-lendSolana2.33MUSDC0.02%4.76%4.42%
Yo-protocolBase7.71MUSDC0%4.38%4.4%
Yo-protocolEthereum1.60MUSDC0%4.38%4.4%
TydroInk15.28MUSDC0%4.28%4.35%
ExactlyOP Mainnet1.53MUSDC0%4.34%4.35%
ExactlyOP Mainnet1.53MUSDC0%4.3%4.31%
Kamino-lendSolana1.25MUSDT0%4.45%4.29%
Yearn-financeEthereum2.40MUSDC0%4.19%4.28%
CurvanceMonad3.44MUSDC1.8%6.13%4.27%
ExactlyOP Mainnet1.53MUSDC0%4.24%4.26%
Kamino-lendSolana19.39MUSDC0%4.56%4.26%
Jupiter-lendSolana17.52MUSDT0%4.14%4.24%
ExactlyOP Mainnet1.53MUSDC0%4.2%4.23%
Fluid-lendingArbitrum58.91MUSDC0%5.27%4.2%
Flux-financeEthereum1.60MUSDC0%4.14%4.14%
ExactlyOP Mainnet1.53MUSDC0%4.3%4.12%
SaveSolana4.13MUSDC0%3.23%4.11%
Aave-v3Monad15.81MUSDC1.54%6.12%4.09%
ExactlyOP Mainnet1.53MUSDC0%4.24%4.06%
Kamino-lendSolana1.30MUSDC0%2.95%4.05%
AutofinanceBase3.51MUSDC4.33%9.66%4.05%
ExactlyOP Mainnet1.53MUSDC0%2.86%4.04%
ExactlyOP Mainnet1.53MUSDC0%4.02%4.04%
Compound-v3Ethereum37.81MUSDC0%4.88%4.02%
Venus-core-poolBSC6.67MUSDC0%3.81%4.01%
Kamino-lendSolana2.61MUSDT0%4.44%3.99%
ExactlyOP Mainnet1.53MUSDC0%3.85%3.97%
Midas-rwaEthereum6.45MUSDC0%4.08%3.91%
Midas-rwaEtherlink1.13MUSDC0%4.08%3.91%
Echelon-marketAptos1.28MUSDC2.47%6%3.89%
Hyperlend-pooledHyperliquid L15.75MUSDC0%4.57%3.85%
Aave-v4Ethereum4.19MUSDC0%5.05%3.84%
Aave-v3Polygon1.07MDAI0%4.37%3.84%
AccountableEthereum2.19MUSDC12.6%27.65%3.83%
Spark-savingsEthereum295.01MUSDC0%3.7%3.8%
Spark-savingsAvalanche1.62MUSDC0%3.7%3.8%
Aave-v3Avalanche2.46MUSDT0%3.93%3.79%
Yearn-financeBase1.16MUSDC0%3.78%3.78%
Aave-v3Ethereum54.24MUSDC1.79%5.97%3.77%
Aave-v3Base21.56MUSDC1.45%4.64%3.76%
Spark-savingsEthereum665.01MUSDT0%3.64%3.75%
Kamino-lendSolana1.39MUSDC0%3.85%3.68%
Yearn-financeEthereum1.12MUSDC0%3.5%3.67%
Kamino-lendSolana7.45MUSDC4.55%8.35%3.64%
Storm-tradeTON2.64MUSDT0%4.39%3.64%
Aave-v4Ethereum1.06MUSDC0%4.48%3.63%
Yearn-financeEthereum18.49MUSDC0%3.66%3.63%
Aave-v3Avalanche7.78MUSDC0%5.75%3.59%
SparklendEthereum4.69MUSDC0%3.47%3.56%
Centrifuge-protocolEthereum9.32MUSDC0%3.68%3.53%
Centrifuge-protocolAvalanche263.15MUSDC0%3.72%3.53%
Centrifuge-protocolBase22.77MUSDC0%3.7%3.53%
Centrifuge-protocolBSC1.02MUSDC0%3.7%3.53%
Hyperliquid-hlpHyperliquid L1177.36MUSDC0%3.44%3.5%
Hyperliquid-earnHyperliquid L1127.43MUSDC0%3.78%3.48%
SparklendEthereum15.87MUSDT0%3.4%3.4%
Gami-labsBase3.04MUSDC0%3.34%3.38%
Spectra-metavaultsBase3.04MUSDC0%3.33%3.38%
Venus-core-poolBSC46.25MUSDT0%3.33%3.33%
Aave-v3Ethereum374.40MUSDT0%3.81%3.33%
Aave-v3Ethereum62.14MUSDT1.64%5.41%3.33%
Yearn-financeEthereum5.90MDAI0%2.94%3.32%
Yearn-financeEthereum5.70MUSDT0%3.29%3.32%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Aave-v3Ethereum13.61MDAI0%3.31%3.26%
SaveSolana1.56MUSDT0%2.18%3.25%
Compound-v3Ethereum17.12MUSDT0%3.98%3.22%
Aave-v3BSC2.13MUSDC0%3.28%3.22%
Aave-v3Polygon10.14MUSDC0%3.07%3.21%
Aave-v3Ethereum1.26MUSDC0%3.26%3.21%
Compound-v3Arbitrum1.75MUSDC0%3.06%3.17%
Aave-v4Ethereum4.27MUSDT0%3.89%3.15%
DolomiteEthereum34.75MUSDC3.63%7.25%3.08%
Aave-v3BSC12.05MUSDT0%2.96%3%
SparklendEthereum76MDAI0%2.77%2.85%
Centrifuge-protocolBase6.16MUSDC0%3.61%2.74%
Centrifuge-protocolPharos1.76MUSDC0%3.57%2.74%
Centrifuge-protocolBSC1.02MUSDC0%3.57%2.74%
Lista-lendingBSC1.37MUSDT0%2.84%2.48%
Aave-v3Arbitrum47.17MUSDC0%3.01%2.45%
SymbioticEthereum1.01MUSDC0%2.82%2.38%
SymbioticEthereum1.01MUSDC0%2.82%2.38%
Native-credit-poolEthereum1.13MUSDC0%3.76%2.35%
Compound-v3Arbitrum5.29MUSDT0%2.44%2.31%
Justlend-v1Tron85.06MUSDT0%2.1%2.23%
CurrentSui20.73MUSDC4.92%7.71%2.14%
Venus-fluxBSC1.20MUSDT0%3.03%1.78%
Ember-protocolEthereum1.22MUSDC0%0.02%1.64%
Midas-rwaEtherlink4.95MUSDC0%4.07%1.38%
Lista-lendingEthereum4.54MUSDC5.62%7.11%1.24%
Native-credit-poolEthereum3.76MUSDT0%2.41%1.17%
Extra-finance-leverage-farmingBase4.13MUSDC0%6.08%1.1%
ExactlyOP Mainnet1.53MUSDC0%1.09%1.09%
Lista-lendingEthereum4.16MUSDT5.11%5.78%1.02%
Aave-v4Avalanche5.35MUSDC3.58%4.19%0.92%
TectonicCronos1.53MUSDC0.02%0.47%0.4%
Aave-v4Avalanche6.43MUSDT5.63%5.48%0.39%
AcrossEthereum1.12MUSDT2.97%3.58%0.37%
CredixSolana13.41MUSDC0%0.05%0.03%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum6125M4.66%
Avalanche7288.4M3.09%
Base18163.5M6.95%
BSC13116.2M4.67%
Ethereum743.4B5.99%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon211.2M3.53%
Solana31753M5.21%
TON12.6M3.64%
zkSync Era000%