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
02/09/2026 05:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Ember-protocolEthereum1.64MUSDC0%11.27%100.6%
AccountableMonad1.08MUSDC0%19.01%92.08%
EnsuroEthereum1.09MUSDC0%21.65%21.06%
Neutral-tradeSolana2.22MUSDC0%35.52%18.27%
AccountableMonad7.50MUSDC1.04%20.37%16.96%
AccountableEthereum3.20MUSDC0%11.07%15.38%
Harvest-financeBase1.83MUSDC0%11.3%14.56%
Neutral-tradeSolana2.24MUSDC0%7.33%14.34%
AccountableEthereum1.06MUSDC1.25%15.35%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum7.01MUSDC0%12.9%12.9%
AccountableEthereum11.69MUSDC0%11.65%12.51%
AccountableMonad5.04MUSDC0.44%12.12%11.64%
AccountableMonad74.98MUSDC0.28%14.1%11.2%
Pareto-creditEthereum11.01MUSDC0%10.58%10.59%
Kamino-lendSolana5.41MUSDC0%7.44%10.43%
Gains-networkArbitrum4.49MUSDC0%6.28%10.4%
Ember-protocolEthereum9.48MUSDC0%9.5%10.23%
Ember-protocolSui7.48MUSDC0%10.19%10.2%
AguaEthereum7.95MUSDC0%10%10%
Harvest-financeEthereum1.16MUSDC0%8.27%9.73%
Ember-protocolEthereum3.38MUSDC0%9.66%9.57%
Ember-protocolEthereum17.18MUSDC0%8.18%9.53%
Pareto-creditEthereum2.18MUSDC0%9.38%9.38%
YieldseekerBase1.12MUSDC0%9.13%8.82%
Midas-rwaEtherlink4.83MUSDC0%11.71%8.8%
Ember-protocolSui1.42MUSDC0%10.31%8.54%
Bitway-earnBSC24.98MUSDT0%8%8%
Ember-protocolSui9.07MUSDC4%12%8%
Harvest-financeBase1.27MUSDC0%6.97%7.82%
Pareto-creditEthereum138.51MUSDC0%8.02%7.82%
Fusion-by-iporEthereum1.27MUSDC0%4.9%7.8%
Kamino-lendSolana3.52MUSDC0%5.87%7.79%
Euler-v2Monad1.15MUSDC1.25%9.69%7.69%
Midas-rwaEthereum7.67MUSDC0%8.59%7.54%
Bitway-earnBSC6.42MUSDT0%6.17%7.5%
Midas-rwaEthereum64.51MUSDC0%9.16%7.42%
AvantisBase15.90MUSDC0%6.19%7.38%
Pareto-creditEthereum21.98MUSDC0%7.13%7.13%
Harvest-financeBase1.54MUSDC0%6.49%7.1%
AccountableMonad1.48MUSDC0.39%7.74%7.03%
Harmonix-financeHyperliquid L122.49MUSDC0%6.4%7%
Zerobase-cedefiEthereum14.05MUSDT2%9%7%
Zerobase-cedefiBase10.55MUSDC2%9%7%
Zerobase-cedefiArbitrum7.63MUSDT2%9%7%
LoopscaleSolana2.11MUSDC0.3%7.03%6.85%
Zerobase-cedefiBSC18.64MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.08MUSDC2%8.76%6.76%
Yearn-financeEthereum6.07MUSDC0%6.64%6.71%
Yearn-financeEthereum9.01MUSDC0%6.19%6.67%
Blend-pools-v2Stellar9.69MUSDC0%6.58%6.63%
SentoraEthereum53.67MUSDC0%6.32%6.6%
Extra-finance-leverage-farmingBase3.52MUSDC0%7.08%6.59%
Fusion-by-iporBase1.54MUSDC0%5.85%6.58%
Fluid-lendingEthereum146.18MUSDC0%5.02%6.43%
Fluid-lendingEthereum4.17MUSDC0%5.02%6.43%
Midas-rwaEthereum6.71MUSDC0%7.18%6.37%
Midas-rwaEthereum2.51MUSDC0%7.18%6.36%
AccountableMonad9.50MUSDC0.48%7.34%6.13%
Compound-v3Ethereum33.27MUSDC0.1%4.26%5.99%
Aave-v3Monad12.42MUSDC0.05%5.54%5.93%
Kamino-lendSolana1.85MUSDC0%5.35%5.75%
Kamino-lendSolana21.52MUSDC0%5.06%5.75%
Alchemix-v3Ethereum8.07MUSDC0%4.74%5.64%
Hyperlend-pooledHyperliquid L114.52MUSDC0%6.47%5.59%
AutofinanceBase7.66MUSDC2.26%7.76%5.58%
Midas-rwaEthereum36.39MUSDC0%7.3%5.53%
Fusion-by-iporEthereum2.69MUSDC0%5.69%5.51%
Midas-rwaEthereum6.42MUSDC0%8.59%5.43%
Midas-rwaEtherlink1.12MUSDC0%8.58%5.43%
Storm-tradeTON3.04MUSDT0%5.5%5.38%
AutofinanceEthereum8.02MUSDC0.84%5.87%5.26%
Euler-v2Ethereum4.57MUSDC0%3.77%5.25%
Kamino-lendSolana2.30MUSDT0%4.08%5.2%
DolomiteArbitrum1.02MUSDC0%4.3%5.04%
Yearn-financeBase1.77MUSDC0%4.96%5.04%
Neutral-tradeSolana3.44MUSDC0%6.04%4.99%
Midas-rwaEthereum1.77MUSDC0%12.01%4.98%
Navi-lendingSui6.47MUSDC0.45%5.56%4.96%
Centrifuge-protocolAvalanche261.82MUSDC0%5.25%4.91%
Centrifuge-protocolBase50.49MUSDC0%5.25%4.91%
Centrifuge-protocolEthereum7.52MUSDC0%5.25%4.89%
Benqi-lendingAvalanche2.69MUSDC0%4.54%4.78%
MapleEthereum1BUSDT0%4.28%4.76%
AmpleBase4.41MUSDC0%4.07%4.71%
Nawa-protocolZIGChain3.43MUSDC0%9.56%4.64%
Fluid-lendingBase8.68MUSDC0%5.1%4.53%
Flux-financeEthereum1.92MUSDT0%4.41%4.45%
Fusion-by-iporBase1.48MUSDC3.5%7.2%4.39%
ExactlyOP Mainnet1.74MUSDC0%4.37%4.38%
Jupiter-lendSolana451.98MUSDC0.67%5.16%4.32%
ExactlyOP Mainnet1.74MUSDC0%4.31%4.32%
ExactlyOP Mainnet1.74MUSDC0%4.26%4.3%
Aave-v3Base17.09MUSDC0%3.43%4.24%
Euler-v2Monad1.10MUSDC0%3.85%4.24%
Project-0Solana1.16MUSDC0%4.2%4.23%
ExactlyOP Mainnet1.74MUSDC0%4.19%4.23%
Jupiter-lendSolana17.56MUSDT0%3.7%4.23%
ExactlyOP Mainnet1.74MUSDC0%4.2%4.2%
Fluid-lendingEthereum139.92MUSDT0%4.71%4.16%
TydroInk8.88MUSDC0%2.57%4.14%
Aave-v3Avalanche2.33MUSDT0%3.52%4.12%
ExactlyOP Mainnet1.74MUSDC0%4.05%4.11%
Yo-protocolBase8.38MUSDC0%4.13%4.06%
Yo-protocolEthereum1.51MUSDC0%4.13%4.06%
ExactlyOP Mainnet1.74MUSDC0%3.79%4.02%
SymbiosisEthereum1.69MUSDC0%4.68%3.99%
AccountableEthereum2.17MUSDC17.27%26.05%3.96%
Moonwell-lendingBase2.09MUSDC0.08%7.07%3.92%
Ember-protocolEthereum2.04MUSDC0%3.34%3.86%
Aave-v3Avalanche5.54MUSDC0%3.75%3.83%
TermmaxEthereum3.34MUSDC0%4.05%3.8%
Yearn-financeEthereum20.20MUSDC0%3.41%3.79%
ExactlyOP Mainnet1.74MUSDC0%4.08%3.79%
Midas-rwaEthereum3.49MUSDC0%3.78%3.78%
Yearn-financeEthereum2.43MUSDC0%3.63%3.76%
Flux-financeEthereum2.59MUSDC0%3.73%3.73%
Fluid-lendingArbitrum61.34MUSDC0%4.75%3.68%
Spark-savingsEthereum308.85MUSDC0%3.52%3.52%
Spark-savingsAvalanche9.48MUSDC0%3.52%3.52%
Lista-lendingBSC2.49MUSDT1.42%7.23%3.51%
SparklendEthereum2MUSDC0%3.48%3.47%
Midas-rwaEthereum71.76MUSDC0%3.26%3.39%
Midas-rwaEtherlink1.22MUSDC0%3.27%3.39%
Aave-v3Ethereum223.97MUSDT0%3.06%3.35%
Aave-v3Ethereum72.04MUSDT1.42%4.46%3.35%
Aave-v3Ethereum58.90MUSDC1.65%5.27%3.32%
Native-credit-poolEthereum1.77MUSDT0%3.06%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Aave-v4Ethereum1.39MUSDT0%2.64%3.29%
Yearn-financeEthereum7.43MDAI0%3.14%3.26%
Spark-savingsEthereum366.77MUSDT0%2.99%3.25%
LoopscaleSolana1.58MUSDC6.68%9.3%3.23%
Euler-v2Ethereum5.70MUSDC0%3.12%3.21%
DolomiteEthereum32.27MUSDC4.09%7.51%3.17%
Native-credit-poolBSC2.37MUSDT0%3.15%3.14%
Centrifuge-protocolMonad4.55MUSDC0%3.67%3.12%
Centrifuge-protocolPharos4.40MUSDC0%3.69%3.12%
Yearn-financeEthereum5.77MUSDT0%3.17%3.11%
CurvanceMonad2.65MUSDC2.02%5.28%3.07%
Aave-v3Ethereum18.66MDAI0%2.85%3%
Aave-v3Mantle1.22MUSDC0%2.19%2.92%
Aave-v3Polygon11.79MUSDC0%2.83%2.9%
Compound-v3Ethereum36.87MUSDT0.11%3.13%2.9%
Aave-v4Ethereum1.96MUSDC0%3.85%2.84%
Aave-v3BSC2.23MUSDC0%2.94%2.83%
Aave-v3Ethereum1.67MUSDC0%2.99%2.79%
Compound-v3Arbitrum3.40MUSDC0%2.76%2.78%
Venus-core-poolBSC61.68MUSDT0%2.19%2.77%
SaveSolana5.71MUSDC0%2.46%2.73%
Venus-fluxBSC2.16MUSDT0%2.35%2.7%
Centrifuge-protocolEthereum1.87MUSDC0%1.96%2.66%
SparklendEthereum62.38MUSDT0%3.69%2.62%
Compound-v3Arbitrum4.03MUSDT0%2.29%2.61%
Aave-v3Ethereum1.53MUSDC0%2.38%2.57%
Aave-v3BSC13.43MUSDT0%2.19%2.45%
SparklendEthereum100.95MDAI0%2.17%2.4%
Aave-v3Arbitrum39.72MUSDC0%2.37%2.4%
Venus-core-poolBSC16.63MUSDC0%2.34%2.39%
Aave-v3OP Mainnet2.58MUSDC0%2.65%2.38%
Justlend-v1Tron69.16MUSDT0%2.22%2.35%
Gami-labsBase3.02MUSDC0%2.64%2.31%
Spectra-metavaultsBase3.02MUSDC0%2.65%2.31%
NeverlandMonad1.40MUSDC7.84%8.33%2.19%
CurrentSui11.09MUSDC7.7%9.72%2.09%
Aave-v4Ethereum1.39MUSDC0%2.02%2.07%
Midas-rwaEthereum26.21MUSDC0%5.62%2.04%
Aave-v3Sonic1.16MUSDC0%1.88%1.86%
Venus-core-poolBSC1.01MDAI0%1.84%1.83%
Aave-v3Arbitrum1.23MDAI0%1.99%1.82%
Lista-lendingBSC1.01MUSDT0%1.86%1.82%
Lista-lendingBSC1.01MUSDT0%1.86%1.82%
SaveSolana2.25MUSDT0%1.51%1.72%
Aave-v4Ethereum1.11MUSDT0%1.55%1.62%
Lista-lendingBSC3.03MUSDT0%2.21%1.61%
Centrifuge-protocolPlume Mainnet20.80MUSDC0%6.91%1.51%
Centrifuge-protocolMonad10.08MUSDC0%6.85%1.51%
Echelon-marketAptos1.53MUSDC0%3.52%1.5%
Lista-lendingBSC3.34MUSDT0%0.93%1.43%
Euler-v2Ethereum2.15MUSDC25%10.88%1.4%
Lista-lendingEthereum4.06MUSDC6.71%6.57%0.92%
ExactlyOP Mainnet1.74MUSDC0%0.97%0.87%
Zest-v2Stacks10.08MUSDC0%0.55%0.76%
Lista-lendingEthereum2.78MUSDT5.86%5.87%0.49%
Aave-v4Avalanche5.54MUSDC5.72%2.16%0.46%
TectonicCronos45.03MUSDT0%0.2%0.15%
AcrossEthereum1.10MUSDC4.06%4.2%0.14%
AcrossEthereum1.58MUSDT1.22%1.43%0.14%
TectonicCronos53.75MUSDC0%0.12%0.12%
CredixSolana13.48MUSDC0%0.04%0.04%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum8122.9M4.47%
Avalanche6287.4M3.6%
Base19145.4M5.89%
BSC16162.5M3.58%
Ethereum763.3B6.66%
Hyperliquid000%
Mantle11.2M2.92%
Optimism000%
Polygon111.8M2.9%
Solana16538.3M6.24%
TON13M5.38%
zkSync Era000%