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 3.71% on Jul 01 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
04/07/2026 17:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Ember-protocolEthereum2MUSDC0%13.29%111.34%
AccountableEthereum1.04MUSDC0%14.28%14.25%
AccountableEthereum1.04MUSDC0%14.28%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
AccountableEthereum2.12MUSDC0%6.86%13.53%
Harvest-financeBase1.86MUSDC0%16.22%13.06%
Ember-protocolEthereum10.50MUSDC0%12.69%12.9%
AccountableMonad49.14MUSDC0.36%11.28%11.6%
Ember-protocolSui1.35MUSDC0%7.88%11.21%
GoldfinchEthereum36.72MUSDC0%10.12%10.12%
AvantisBase30.14MUSDC0%9.7%10.12%
AccountableMonad5.19MUSDC0.5%10.29%10%
Ember-protocolSui1.20MUSDC0%11.06%9.8%
Bracket-vaultsEthereum2.65MUSDC0%10%9.54%
Ember-protocolEthereum3.21MUSDC0%8.89%9.36%
Gains-networkArbitrum6.84MUSDC0%9.85%9.29%
Ember-protocolSui1.09MUSDC0%8.42%9.23%
Ember-protocolSui2.75MUSDC0%9.14%9.22%
AccountableMonad8.94MUSDC0.5%10.55%9.21%
Harmonix-financeHyperliquid L122.40MUSDC0%9.77%9.08%
YieldseekerBase1.89MUSDC0%8.01%8.36%
SymbiosisTron1.24MUSDT0%6.47%8.15%
Bitway-earnBSC23.08MUSDT0%9.75%8%
Ember-protocolSui7MUSDC4%12%8%
Centrifuge-protocolAvalanche260.01MUSDC0%3.59%7.96%
Centrifuge-protocolBase50.14MUSDC0%3.59%7.96%
Centrifuge-protocolBase2.22MUSDC0%3.57%7.96%
Centrifuge-protocolEthereum5.87MUSDC0%3.57%7.96%
Ember-protocolSui5.95MUSDC0%5.73%7.78%
Zerobase-cedefiArbitrum7.63MUSDT2%9%7%
Zerobase-cedefiEthereum14.13MUSDT2%9%7%
Gami-labsStellar14.64MUSDC0%7%7%
Spectra-metavaultsBase3.01MUSDC0.83%2.31%6.96%
Gami-labsBase3.01MUSDC0.83%2.54%6.96%
AccountableMonad2.95MUSDC0.5%7.59%6.79%
Zerobase-cedefiBSC22.17MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.06MUSDC2%8.76%6.76%
Extra-finance-leverage-farmingBase3.30MUSDC0%6.55%6.61%
Blend-pools-v2Stellar15.58MUSDC0%7.02%6.37%
Yearn-financeEthereum5.69MUSDC0%4.91%6.27%
Yearn-financeEthereum8.57MUSDC0%5.36%6.26%
SymbiosisEthereum1.39MUSDC0%8.46%6.24%
AutofinanceEthereum7.17MUSDC0.36%6.28%6.17%
Kamino-lendSolana5.79MUSDC0%6.62%6.12%
Harvest-financeEthereum1.13MUSDC0%8.12%6%
Lista-lendingBSC6.23MUSDT0.16%5.25%5.94%
Storm-tradeTON3.64MUSDT0%5.95%5.94%
Fluid-lendingArbitrum36.73MUSDC0%5.85%5.93%
Hyperlend-pooledHyperliquid L111MUSDC0%5.92%5.77%
Fusion-by-iporEthereum1.92MUSDC0%6.15%5.76%
Fluid-lendingBase8.52MUSDC0%5.39%5.69%
Fluid-lendingEthereum8.07MUSDC0%5.32%5.55%
Fluid-lendingEthereum136.24MUSDC0%6.31%5.55%
Native-credit-poolBSC4.05MUSDT0%3.66%5.54%
Fluid-lendingEthereum117.04MUSDT0%5.72%5.46%
Navi-lendingSui5.62MUSDC0.48%5.97%5.36%
Centrifuge-protocolPharos15.10MUSDC0%3.52%5.35%
Native-credit-poolEthereum5.45MUSDC0%3.3%5.26%
Yearn-financeBase1.70MUSDC0%4.63%5.04%
Centrifuge-protocolMonad4.52MUSDC0%2.83%4.99%
Kamino-lendSolana5.64MUSDC0%4.91%4.86%
AutofinanceBase7.03MUSDC1.99%7.47%4.85%
Folks-finance-lendingAlgorand1.23MUSDC0%4.6%4.54%
Yearn-financeEthereum1.18MUSDC0%3.98%4.52%
DolomiteArbitrum1.37MUSDC0%3.88%4.52%
Ember-protocolSui1.11MUSDC7.98%11.25%4.5%
Kamino-lendSolana10.52MUSDC0%4.27%4.47%
Native-credit-poolEthereum2.52MUSDT0%2.97%4.46%
Flux-financeEthereum1.92MUSDT0%4.5%4.44%
Kamino-lendSolana1.59MUSDC0%4.09%4.43%
ExactlyOP Mainnet1.80MUSDC0%4.13%4.18%
ExactlyOP Mainnet1.80MUSDC0%4.16%4.17%
ExactlyOP Mainnet1.80MUSDC0%4.06%4.14%
MapleEthereum1.05BUSDT0%4.14%4.14%
ExactlyOP Mainnet1.80MUSDC0%4.04%4.09%
Lista-lendingBSC4.88MUSDT0.07%4.78%4.07%
Euler-v2Monad2.21MUSDC3.14%4.63%4.07%
AmpleBase4.29MUSDC0%4.7%4.06%
ExactlyOP Mainnet1.80MUSDC0%3.92%4.03%
Yo-protocolEthereum2.40MUSDC0%4.21%4.01%
Yo-protocolBase10.53MUSDC0%4.21%4.01%
ExactlyOP Mainnet1.80MUSDC0%3.95%3.98%
Folks-finance-xchainPolygon1.26MUSDT0%4.06%3.96%
Jupiter-lendSolana402.96MUSDC0.75%4.67%3.96%
Moonwell-lendingBase2.51MUSDC0.39%6.1%3.91%
ExactlyOP Mainnet1.80MUSDC0%3.52%3.84%
ExactlyOP Mainnet1.80MUSDC0%3.74%3.82%
ExactlyOP Mainnet1.80MUSDC0%4.09%3.8%
TermmaxBase1.20MUSDC0%4.07%3.8%
Centrifuge-protocolPlume Mainnet32.93MUSDC0%2.17%3.74%
Yearn-financeEthereum7.22MUSDT0%3.37%3.73%
Flux-financeEthereum2.60MUSDC0%3.72%3.72%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum452.6M6.68%
Avalanche1260M7.96%
Base15131.4M6.62%
BSC662.5M6.18%
Ethereum271.4B11.03%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.3M3.96%
Solana5426.5M4.77%
TON13.6M5.94%
zkSync Era000%