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
21/08/2026 17:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableMonad7.50MUSDC1.28%25.12%20.04%
Centrifuge-protocolPlume Mainnet20.78MUSDC0%2.97%20.01%
Centrifuge-protocolMonad10.07MUSDC0%2.76%20.01%
EnsuroEthereum1.08MUSDC0%20.32%19.59%
AccountableEthereum3.61MUSDC10.68%23.7%17.21%
AccountableEthereum1.01MUSDC1.25%14.86%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
AccountableMonad99.97MUSDC0.38%16.22%13.6%
Ember-protocolEthereum7.04MUSDC0%12.88%12.9%
Midas-rwaEtherlink4.82MUSDC0%9.2%11.7%
AccountableEthereum10.15MUSDC0%11.64%11.64%
AccountableMonad5.04MUSDC0.5%12.14%11.64%
AccountableEthereum3.29MUSDC0%10.63%11.56%
Pareto-creditEthereum15.29MUSDC0%10.59%10.58%
Euler-v2Monad1.22MUSDC1.25%10.31%10.56%
Ember-protocolEthereum16.92MUSDC0%7.25%10.55%
Ember-protocolEthereum5.94MUSDC0%8.86%10.45%
GoldfinchEthereum35.95MUSDC0%10.2%10.21%
Ember-protocolSui7.11MUSDC0%9.79%10.16%
Harvest-financeBase1.86MUSDC0%10.89%10.03%
AguaEthereum8.88MUSDC0%10%10%
Ember-protocolEthereum3.36MUSDC0%9.56%9.91%
Midas-rwaEthereum1.74MUSDC0%10.94%9.85%
Pareto-creditEthereum2.17MUSDC0%9.38%9.38%
Midas-rwaEthereum6.40MUSDC0%8.74%9.23%
Midas-rwaEtherlink1.12MUSDC0%8.75%9.23%
Bracket-vaultsEthereum1.65MUSDC0%9.3%9.18%
YieldseekerBase1.12MUSDC0%9.35%8.98%
Midas-rwaEthereum71.10MUSDC0%10.13%8.71%
Midas-rwaEthereum7.86MUSDC0%9.37%8.58%
Midas-rwaEthereum6.69MUSDC0%7.33%8.5%
Pareto-creditEthereum168.47MUSDC0%8.14%8.02%
Bitway-earnBSC25.43MUSDT0%8%8%
Ember-protocolSui9.61MUSDC4%12%8%
Ember-protocolSui1.88MUSDC0%5.74%7.74%
Midas-rwaEthereum2.51MUSDC0%7.34%7.42%
AccountableMonad1.26MUSDC0.5%7.77%7.28%
Pareto-creditEthereum21.91MUSDC0%7.13%7.13%
Ember-protocolSui1.41MUSDC0%9.64%7.12%
Extra-finance-leverage-farmingBase3.30MUSDC0%6.98%7.12%
Zerobase-cedefiEthereum14.05MUSDT2%9%7%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
Zerobase-cedefiBase4.54MUSDC2%9%7%
SentoraEthereum46.66MUSDC0%6.84%6.88%
Nawa-protocolZIGChain3.42MUSDC0%9.64%6.85%
Zerobase-cedefiBSC19.16MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.02MUSDC2%8.76%6.76%
Neutral-tradeSolana2.29MUSDC0%5.23%6.75%
LoopscaleSolana2.52MUSDC0.29%7.03%6.7%
Yearn-financeEthereum8.53MUSDC0%6.05%6.61%
Ember-protocolSui1.07MUSDC0%8.7%6.54%
Yearn-financeEthereum6.83MUSDC0%6.98%6.53%
Kamino-lendSolana5.29MUSDC0%6.73%6.43%
Blend-pools-v2Stellar14.63MUSDC0%6.99%6.38%
CurvanceMonad1.24MUSDC2.7%9.36%6.23%
Harmonix-financeHyperliquid L122.20MUSDC0%6.62%6.13%
AccountableMonad9.93MUSDC0.5%8.17%6.13%
Yearn-financeEthereum1.19MUSDC0%6.33%6.01%
Hyperlend-pooledHyperliquid L112.17MUSDC0%7.01%5.87%
Midas-rwaEthereum37.44MUSDC0%8.57%5.73%
AvantisBase18.08MUSDC0%8.85%5.69%
SymbiosisTron1.06MUSDT0%5.72%5.5%
Storm-tradeTON3.05MUSDT0%5.62%5.48%
AutofinanceEthereum7.09MUSDC0.73%5.97%5.37%
Navi-lendingSui5.38MUSDC0.56%5.41%5.35%
AutofinanceBase7.56MUSDC2.09%8.1%5.33%
Aave-v3Avalanche2MUSDT0%3.18%5.21%
Yo-protocolBase1.08MUSDC0%6.76%5.12%
Gains-networkArbitrum5.41MUSDC0%4.13%5.08%
Fluid-lendingEthereum134.63MUSDT0%4.41%5.02%
LoopscaleSolana1.73MUSDC0%4.87%5%
Yearn-financeBase1.82MUSDC0%4.92%4.98%
Native-credit-poolEthereum1.04MUSDC0%4.35%4.93%
Kamino-lendSolana3.35MUSDC0%5.09%4.9%
Fluid-lendingEthereum150.72MUSDC0%5.16%4.85%
Fluid-lendingEthereum3.80MUSDC0%5.16%4.85%
Centrifuge-protocolAvalanche261.44MUSDC0%5.13%4.84%
Centrifuge-protocolBase50.41MUSDC0%5.13%4.84%
Centrifuge-protocolEthereum5.71MUSDC0%5.11%4.84%
Ember-protocolSui1.16MUSDC3.37%11.02%4.8%
Kamino-lendSolana5.74MUSDC0%4.18%4.76%
Kamino-lendSolana1.09MUSDC0%4.6%4.76%
Fluid-lendingBase9.39MUSDC0%5.23%4.57%
Alchemix-v3Ethereum7.76MUSDC0%4.51%4.55%
Lista-lendingBSC2.53MUSDT4.69%7.06%4.46%
Flux-financeEthereum2.07MUSDT0%4.41%4.4%
Jupiter-lendSolana432.56MUSDC0.7%4.96%4.39%
ExactlyOP Mainnet1.64MUSDC0%4.35%4.37%
Aave-v3Monad11.45MUSDC0.8%6.39%4.32%
ExactlyOP Mainnet1.64MUSDC0%4.29%4.31%
Fluid-lendingArbitrum46.86MUSDC0%4.99%4.3%
ExactlyOP Mainnet1.64MUSDC0%4.23%4.27%
MapleEthereum0.98BUSDT0%4.21%4.27%
ExactlyOP Mainnet1.64MUSDC0%4.19%4.21%
ExactlyOP Mainnet1.64MUSDC0%4.15%4.2%
Ember-protocolSui1.20MUSDC0%3.5%4.18%
ExactlyOP Mainnet1.64MUSDC0%4.1%4.15%
Aave-v3Avalanche5.14MUSDC0%3.73%4.14%
Benqi-lendingAvalanche4.03MUSDC0%4.23%4.12%
DolomiteArbitrum1.31MUSDC0%4.26%4.07%
ExactlyOP Mainnet1.64MUSDC0%3.9%4.06%
ExactlyOP Mainnet1.64MUSDC0%4.06%4.06%
TermmaxEthereum3.35MUSDC0%4.05%3.99%
Yo-protocolBase9.50MUSDC0%4.22%3.93%
Yo-protocolEthereum1.51MUSDC0%4.22%3.93%
AmpleBase4.34MUSDC0%4.07%3.89%
ExactlyOP Mainnet1.64MUSDC0%3.58%3.87%
Moonwell-lendingBase2.50MUSDC0.07%6.85%3.85%
Harvest-financeEthereum1.15MUSDC0%6.5%3.81%
Midas-rwaEthereum3.49MUSDC0%4.61%3.78%
Kamino-lendSolana1.43MUSDT0%3.41%3.78%
Flux-financeEthereum2.59MUSDC0%3.73%3.73%
Yearn-financeEthereum2.43MUSDC0%3.53%3.68%
Spark-savingsEthereum257.33MUSDC0%3.52%3.52%
Spark-savingsAvalanche12.06MUSDC0%3.52%3.52%
SparklendEthereum1.74MUSDC0%3.48%3.47%
Midas-rwaEthereum64.92MUSDC0%3.24%3.45%
Midas-rwaEtherlink1.22MUSDC0%3.26%3.45%
Jupiter-lendSolana18.84MUSDT0%3.36%3.44%
DolomiteEthereum27.14MUSDC4.76%7.47%3.4%
SymbiosisEthereum1.53MUSDC0%4.86%3.4%
Aave-v3Base23.86MUSDC0%3.46%3.39%
Yearn-financeEthereum25.62MUSDC0%3.3%3.38%
Ember-protocolEthereum2.03MUSDC0%2.18%3.37%
Native-credit-poolEthereum1.79MUSDT0%3.03%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Aave-v3Ethereum180.98MUSDC0%3.75%3.29%
Aave-v3Ethereum65.77MUSDC1.48%5.48%3.29%
Yearn-financeEthereum7.62MDAI0%3.05%3.22%
Compound-v3Ethereum39.70MUSDC0.11%3.55%3.2%
Project-0Solana1.96MUSDC0%4.69%3.17%
Native-credit-poolBSC3.98MUSDT0%3.37%3.14%
Centrifuge-protocolMonad4.54MUSDC0%3.65%3.07%
Centrifuge-protocolPharos4.39MUSDC0%3.66%3.07%
Aave-v3Ethereum350.45MUSDT0%2.79%3.04%
Aave-v3Ethereum74.44MUSDT1.37%4.62%3.04%
Yearn-financeEthereum7.43MUSDT0%3.19%3.03%
Compound-v3Ethereum28.75MUSDT0.12%3.14%3.02%
Spark-savingsEthereum368.28MUSDT0%2.84%3%
Euler-v2Ethereum6.50MUSDC0%3.1%3%
Kamino-lendSolana1.44MUSDC0%4.71%2.95%
Aave-v4Ethereum2.27MUSDT0%2.4%2.91%
AzuroPolygon1.34MUSDT0%38.2%2.88%
Centrifuge-protocolEthereum1.67MUSDC0%1.22%2.83%
Compound-v3Arbitrum3.28MUSDC0%2.73%2.81%
Euler-v2Ethereum7.99MUSDC0%4.4%2.79%
Aave-v3Ethereum1.68MUSDC0%3.04%2.79%
Aave-v3Polygon12.47MUSDC0%2.77%2.75%
CurvanceMonad2.36MUSDC2.7%5.26%2.72%
Aave-v3BSC2.49MUSDC0%2.99%2.69%
Compound-v3Arbitrum3.75MUSDT0%2.02%2.67%
Aave-v3Ethereum1.55MUSDC0%2.14%2.64%
SparklendEthereum64.46MUSDT0%3.7%2.62%
LoopscaleSolana1.70MUSDC6.94%8.16%2.6%
Justlend-v1Tron67.07MUSDT0%2.59%2.52%
Aave-v3Ethereum29.90MDAI0%3.12%2.47%
Aave-v3Arbitrum36.61MUSDC0%2.49%2.46%
Venus-fluxBSC2.23MUSDT0%2.42%2.45%
SaveSolana5.92MUSDC0%2.37%2.38%
Aave-v3OP Mainnet2.72MUSDC0%3%2.34%
TydroInk4.22MUSDC0%1.81%2.32%
SparklendEthereum114.26MDAI0%2.17%2.17%
Venus-core-poolBSC82.84MUSDT0%2.13%2.14%
Aave-v3BSC16.38MUSDT0%2.16%2.12%
Midas-rwaEthereum26.21MUSDC0%5.4%2.04%
Lista-lendingBSC3.96MUSDT0%3.08%1.98%
CurrentSui11.30MUSDC7.86%9.45%1.95%
Lista-lendingBSC1.01MUSDT0%1.89%1.85%
Lista-lendingBSC1.01MUSDT0%1.89%1.85%
Aave-v3Sonic1.18MUSDC0%1.93%1.85%
Venus-core-poolBSC1.01MDAI0%1.81%1.84%
Venus-core-poolBSC23.33MUSDC0%2.59%1.81%
Echelon-marketAptos1.69MUSDC1.6%3.78%1.78%
Aave-v4Ethereum1.07MUSDT0%1.4%1.7%
Aave-v4Ethereum1.12MUSDC0%1.54%1.61%
Gami-labsBase3.02MUSDC0%2.62%1.57%
Spectra-metavaultsBase3.02MUSDC0%2.61%1.57%
NeverlandMonad1.96MUSDC7.99%6.53%1.54%
SaveSolana2.37MUSDT0%1.41%1.4%
ExactlyOP Mainnet1.64MUSDC0%0.99%0.96%
Zest-v2Stacks10.08MUSDC0%0.51%0.58%
Lista-lendingEthereum2.57MUSDT5.39%5.67%0.53%
Lista-lendingBSC3.53MUSDT0%2.2%0.45%
AcrossEthereum1.58MUSDT1.27%1.5%0.32%
Lista-lendingEthereum3.33MUSDC6.57%6.36%0.19%
Aave-v4Avalanche4.82MUSDC0%0.38%0.16%
TectonicCronos45MUSDT0%0.15%0.15%
TectonicCronos54.11MUSDC0%0.12%0.12%
CredixSolana13.48MUSDC0%0.07%0.04%
AcrossEthereum1.09MUSDC4.25%4.47%0.04%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum7104.9M4.06%
Avalanche6289.5M3.67%
Base16145.4M5.12%
BSC15190.9M3.22%
Ethereum763.6B5.6%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon213.8M2.82%
Solana16501.7M3.97%
TON13.1M5.48%
zkSync Era000%