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
10/09/2026 10:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Harvest-financeBase1.88MUSDC0%14.16%132.99%
AccountableEthereum1.76MUSDC20.88%27.64%24.4%
Gains-networkArbitrum4.51MUSDC0%9.76%24.29%
EnsuroEthereum1.15MUSDC0%21.59%19.79%
Neutral-tradeSolana2.25MUSDC0%28.84%19.25%
AvantisBase10.58MUSDC0%6.63%18%
AccountableMonad7.50MUSDC0.94%18.02%15.82%
Neutral-tradeSolana2.29MUSDC0%10.14%15.73%
AccountableEthereum1.07MUSDC0%15.35%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum6.92MUSDC0%12.85%12.9%
AccountableEthereum11.74MUSDC0%11.89%12.51%
Midas-rwaEthereum26.37MUSDC0%4.68%11.87%
AccountableMonad5.04MUSDC0.43%12.12%11.64%
Nawa-protocolZIGChain3.43MUSDC0%8.41%11.63%
AccountableEthereum3.21MUSDC0%11.97%11.54%
AccountableMonad74.99MUSDC0.27%12.85%11.4%
Pareto-creditEthereum11.01MUSDC0%10.59%10.59%
AguaEthereum7.70MUSDC0%10%10%
Ember-protocolSui7.69MUSDC0%10.21%10%
Ember-protocolEthereum10.27MUSDC0%9.63%9.61%
Ember-protocolEthereum3.32MUSDC0%9.57%9.43%
Pareto-creditEthereum2.18MUSDC0%9.38%9.38%
Fusion-by-iporEthereum1.01MUSDC0%7.76%9.27%
Ember-protocolEthereum17.32MUSDC0%8.99%9.19%
Harvest-financeBase1.07MUSDC0%6.67%9.16%
Ember-protocolSui1.37MUSDC0%10.15%9.02%
Midas-rwaEthereum2.52MUSDC0%7.48%8.32%
Fusion-by-iporBase1.07MUSDC0%6.13%8.26%
YieldseekerBase1.02MUSDC0%8.78%8.22%
Midas-rwaEthereum6.72MUSDC0%7.46%8.04%
Bitway-earnBSC25.29MUSDT0%8%8%
Ember-protocolSui9.22MUSDC4%12%8%
Pareto-creditEthereum147.83MUSDC0%7.96%7.82%
Sentora-curatorEthereum69.19MUSDC0%6.65%7.79%
SymbiosisEthereum1.45MUSDC0%4.87%7.78%
Midas-rwaEthereum1.70MUSDC0%9.94%7.69%
Midas-rwaEthereum65.18MUSDC0%8.43%7.55%
Blend-pools-v2Stellar10.27MUSDC0%6.77%7.52%
Bitway-earnBSC6.62MUSDT0%6.86%7.5%
Midas-rwaEthereum7.75MUSDC0%8.2%7.41%
Centrifuge-protocolPlume Mainnet20.82MUSDC0%6.41%7.38%
Harmonix-financeHyperliquid L121.80MUSDC0%6.66%7.28%
AccountableMonad1.65MUSDC0.36%7.62%7.03%
Zerobase-cedefiEthereum14.07MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.63MUSDT2%9%7%
Yearn-financeEthereum9.30MUSDC0%6.55%6.92%
Yearn-financeEthereum6.08MUSDC0%6.63%6.89%
Midas-rwaEthereum31.75MUSDC0%6.57%6.8%
Zerobase-cedefiBSC18.53MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.01MUSDC2%8.76%6.76%
Pareto-creditEthereum22.01MUSDC0%7.08%6.62%
LoopscaleSolana2.51MUSDC0.31%6.97%6.6%
Fusion-by-iporEthereum1.29MUSDC0%5.75%6.54%
Kamino-lendSolana6.52MUSDC0%7.21%6.52%
Harvest-financeEthereum1.16MUSDC0%9.6%6.48%
Fusion-by-iporEthereum2.61MUSDC0%5.91%6%
Extra-finance-leverage-farmingBase3.85MUSDC0%6.88%5.96%
AccountableMonad9.37MUSDC0.43%6.91%5.91%
Centrifuge-protocolAvalanche262.17MUSDC0%5.15%5.74%
Centrifuge-protocolBase50.55MUSDC0%5.15%5.74%
Centrifuge-protocolEthereum9.28MUSDC0%5.18%5.74%
AutofinanceBase3.53MUSDC5.2%8.31%5.73%
Alchemix-v3Ethereum7.77MUSDC0%5.03%5.7%
SymbioticEthereum1.01MUSDC0%5.7%5.55%
SymbioticEthereum1.01MUSDC0%5.7%5.55%
Midas-rwaEthereum6.42MUSDC0%7.6%5.43%
Midas-rwaEtherlink1.12MUSDC0%7.6%5.43%
Storm-tradeTON2.93MUSDT0%5.43%5.35%
Euler-v2Monad1.15MUSDC1.25%9.16%5.28%
AutofinanceEthereum7.69MUSDC0.98%5.96%5.26%
Hyperlend-pooledHyperliquid L119.89MUSDC0%6.05%5.13%
Yearn-financeBase1.73MUSDC0%5%5.04%
Navi-lendingSui7.04MUSDC0.43%5.53%5.03%
Neutral-tradeSolana3.35MUSDC0%5.41%5.02%
Compound-v3Ethereum35.54MUSDC0%4.62%4.95%
Native-credit-poolEthereum1.14MUSDC0%4.71%4.93%
Lista-lendingBSC2.61MUSDT0.73%6.9%4.77%
AmpleBase4.39MUSDC0%4.11%4.72%
Fluid-lendingEthereum152.55MUSDC0%4.96%4.7%
Fluid-lendingEthereum3.95MUSDC0%4.96%4.7%
MapleEthereum0.93BUSDT0%4.45%4.66%
DolomiteArbitrum1.21MUSDC0%4.37%4.58%
Aave-v3Avalanche2.25MUSDT0%3.85%4.58%
Fluid-lendingBase9.33MUSDC0%5.04%4.48%
Flux-financeEthereum1.89MUSDT0%4.43%4.47%
Benqi-lendingAvalanche3.15MUSDC0%4.52%4.47%
Fluid-lendingEthereum133.57MUSDT0%4.78%4.44%
Kamino-lendSolana2.95MUSDC0%5.94%4.41%
ExactlyOP Mainnet1.73MUSDC0%4.37%4.39%
Fusion-by-iporBase1.15MUSDC3.5%7.4%4.33%
ExactlyOP Mainnet1.73MUSDC0%4.32%4.33%
ExactlyOP Mainnet1.73MUSDC0%4.28%4.32%
ExactlyOP Mainnet1.73MUSDC0%4.21%4.26%
Fluid-lendingArbitrum61.47MUSDC0%4.31%4.23%
ExactlyOP Mainnet1.73MUSDC0%4.2%4.2%
Yo-protocolBase8.38MUSDC0%4.08%4.19%
Yo-protocolEthereum1.35MUSDC0%4.08%4.19%
Ember-protocolEthereum2.04MUSDC0%3.56%4.19%
ExactlyOP Mainnet1.73MUSDC0%4.09%4.17%
LoopscaleSolana1.38MUSDC7.09%10.38%4.16%
TermmaxEthereum3.32MUSDC0%4.06%4.13%
ExactlyOP Mainnet1.73MUSDC0%3.9%4.1%
Aave-v3Monad14.63MUSDC1.8%5.51%4.09%
Yearn-financeEthereum2.39MUSDC0%3.71%3.94%
Yearn-financeEthereum1.11MUSDC0%3.98%3.91%
Jupiter-lendSolana467.15MUSDC0.39%5.03%3.89%
Aave-v3Ethereum174.01MUSDT0%3.29%3.89%
Aave-v3Ethereum71.43MUSDT1.43%4.71%3.89%
Aave-v3Polygon1.07MDAI0%4.09%3.84%
TydroInk11.69MUSDC0%3.18%3.82%
ExactlyOP Mainnet1.73MUSDC0%4%3.82%
Jupiter-lendSolana17.58MUSDT0%3.92%3.8%
Yearn-financeEthereum19.85MUSDC0%3.55%3.8%
Midas-rwaEthereum3.49MUSDC0%3.78%3.78%
Flux-financeEthereum2.59MUSDC0%3.73%3.73%
ExactlyOP Mainnet1.73MUSDC0%3.33%3.72%
Kamino-lendSolana1.65MUSDT0%4.12%3.72%
Aave-v3Ethereum143.19MUSDC0%3.85%3.71%
Aave-v3Ethereum58.47MUSDC1.66%5.36%3.71%
Aave-v3Base20.60MUSDC0%3.54%3.71%
Euler-v2Monad1.63MUSDC1.25%4.11%3.68%
Midas-rwaEtherlink4.84MUSDC0%10.09%3.65%
Centrifuge-protocolPharos4.40MUSDC0%3.46%3.61%
Spark-savingsEthereum315.59MUSDC0%3.54%3.6%
Spark-savingsAvalanche9.50MUSDC0%3.54%3.6%
Kamino-lendSolana1.96MUSDC0%5%3.55%
Kamino-lendSolana22.67MUSDC0%4.95%3.55%
Aave-v3Avalanche6.37MUSDC0%3.79%3.54%
SparklendEthereum2.04MUSDC0%3.49%3.54%
Aave-v4Ethereum1.38MUSDT0%3.07%3.41%
SparklendEthereum19.65MUSDT0%3.41%3.39%
Yearn-financeEthereum7.44MDAI0%3.21%3.39%
Yearn-financeEthereum5.77MUSDT0%3.19%3.38%
Native-credit-poolEthereum1.82MUSDT0%3.18%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
DolomiteEthereum30.21MUSDC4.09%7.52%3.27%
Spark-savingsEthereum360.78MUSDT0%3.13%3.25%
Aave-v3Ethereum1.12MUSDC0%2.65%3.23%
CurvanceMonad3.14MUSDC1.89%5.28%3.17%
SaveSolana5.46MUSDC0%2.58%3.16%
Aave-v3BSC2.19MUSDC0%2.9%3.14%
Native-credit-poolBSC1.56MUSDT0%3.07%3.14%
Aave-v4Ethereum2.29MUSDC0%3.98%3.13%
Compound-v3Ethereum25.92MUSDT0%3.09%3.09%
Aave-v3Ethereum17.20MDAI0%2.77%3.08%
Midas-rwaEthereum72.67MUSDC0%3.28%3.05%
Midas-rwaEtherlink1.22MUSDC0%3.28%3.05%
Aave-v3BSC10.34MUSDT0%2.35%3%
Compound-v3Arbitrum2.93MUSDC0%2.79%2.88%
Aave-v3Polygon12.14MUSDC0%2.84%2.84%
Aave-v3Arbitrum29.48MUSDC0%2.46%2.73%
Venus-core-poolBSC64.16MUSDT0%2.42%2.7%
Aave-v3OP Mainnet2.12MUSDC0%2.53%2.63%
Compound-v3Arbitrum4.11MUSDT0%2.47%2.59%
Venus-fluxBSC2.02MUSDT0%2.52%2.5%
Lista-lendingBSC2.66MUSDT0%2.27%2.46%
SparklendEthereum99.94MDAI0%2.25%2.46%
Venus-core-poolBSC19.07MUSDC0%2.2%2.25%
Scallop-lendSui1.01MUSDC0%2.5%2.21%
NeverlandMonad1.30MUSDC8.05%9.09%2.17%
Centrifuge-protocolEthereum1.87MUSDC0%2.31%2.16%
Aave-v3Arbitrum1.10MDAI0%1.99%1.97%
Justlend-v1Tron91.39MUSDT0%2.3%1.92%
CurrentSui15.49MUSDC6.48%9.51%1.86%
Aave-v3Sonic1.15MUSDC0%1.86%1.85%
SaveSolana2.33MUSDT0%1.6%1.85%
Echelon-marketAptos1.44MUSDC1.57%3.4%1.78%
Lista-lendingBSC2.75MUSDT0%1.33%1.76%
Aave-v4Ethereum2.03MUSDC0%1.78%1.42%
Kamino-lendSolana1.93MUSDC0%0.42%1.31%
Gami-labsBase3.02MUSDC0%2.32%1.26%
Spectra-metavaultsBase3.02MUSDC0%2.35%1.26%
Aave-v4Avalanche2.90MUSDC3.87%3.59%1.25%
Centrifuge-protocolMonad4.55MUSDC0%3.33%1.24%
ExactlyOP Mainnet1.73MUSDC0%0.94%0.89%
Lista-lendingEthereum5.02MUSDC5.81%6.96%0.87%
Zest-v2Stacks10.09MUSDC0%0.62%0.79%
Centrifuge-protocolMonad10.07MUSDC0%6.11%0.64%
AcrossEthereum1.58MUSDT1.27%1.37%0.55%
Lista-lendingEthereum3.29MUSDT5.29%5.95%0.48%
AcrossEthereum1.10MUSDC4.25%4.24%0.28%
Aave-v4Avalanche2.28MUSDT6.63%3.69%0.09%
CredixSolana13.46MUSDC0%0.05%0.07%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum8112.4M6.29%
Avalanche7288.6M3.32%
Base17135.7M13.53%
BSC13159.8M4.21%
Ethereum763.3B6.02%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon213.2M3.34%
Solana16555.5M5.41%
TON12.9M5.35%
zkSync Era000%