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
04/09/2026 05:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Ember-protocolEthereum1.64MUSDC0%18.03%100.6%
Neutral-tradeSolana1.03MUSDC0%25.67%70.68%
EnsuroEthereum1.11MUSDC0%21.71%22.51%
Harvest-financeBase1.84MUSDC0%11.69%20.27%
AccountableEthereum3.20MUSDC0%11.4%15.22%
AccountableMonad7.50MUSDC0.97%19.8%15.17%
Neutral-tradeSolana2.25MUSDC0%7.97%15.04%
Fusion-by-iporEthereum1.04MUSDC0%8.33%14.27%
AccountableEthereum1.06MUSDC1.25%15.43%14.25%
AccountableMonad1.09MUSDC0%21.38%14.13%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum7.01MUSDC0%12.9%12.9%
AccountableEthereum11.69MUSDC0%11.72%12.51%
Gains-networkArbitrum4.53MUSDC0%6.71%12.08%
AccountableMonad5.04MUSDC0.45%12.12%11.64%
AccountableMonad74.99MUSDC0.29%13.79%11.2%
Pareto-creditEthereum11.01MUSDC0%10.58%10.59%
Ember-protocolSui7.49MUSDC0%10.24%10.2%
AguaEthereum7.96MUSDC0%10%10%
Ember-protocolEthereum3.39MUSDC0%9.65%9.57%
Ember-protocolEthereum17.29MUSDC0%8.38%9.53%
Harvest-financeEthereum1.16MUSDC0%8.43%9.43%
Pareto-creditEthereum2.18MUSDC0%9.38%9.38%
Neutral-tradeSolana3.51MUSDC0%6.08%9.25%
AvantisBase15.59MUSDC0%5.93%9.16%
Neutral-tradeSolana2.22MUSDC0%33.31%8.73%
Ember-protocolSui1.42MUSDC0%10.17%8.54%
YieldseekerBase1.09MUSDC0%9.06%8.44%
Ember-protocolEthereum10.13MUSDC0%9.54%8.39%
Euler-v2Monad1.15MUSDC1.25%9.62%8.16%
Bitway-earnBSC24.99MUSDT0%8%8%
Ember-protocolSui9.20MUSDC4%12%8%
Harvest-financeBase1.03MUSDC0%7.03%7.9%
Pareto-creditEthereum141.53MUSDC0%8%7.82%
Bitway-earnBSC6.44MUSDT0%6.34%7.5%
Fusion-by-iporEthereum1.27MUSDC0%5.09%7.45%
Midas-rwaEthereum7.67MUSDC0%8.49%7.44%
Midas-rwaEthereum64.63MUSDC0%8.98%7.43%
Harvest-financeBase1.14MUSDC0%6.59%7.24%
Pareto-creditEthereum21.95MUSDC0%7.13%7.13%
Blend-pools-v2Stellar10.52MUSDC0%6.56%7.11%
Harmonix-financeHyperliquid L123.59MUSDC0%6.45%7.08%
AccountableMonad1.49MUSDC0.4%7.71%7.03%
SentoraEthereum53.67MUSDC0%6.36%7.01%
Zerobase-cedefiEthereum14.05MUSDT2%9%7%
Zerobase-cedefiBase10.56MUSDC2%9%7%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
Zerobase-cedefiBSC18.62MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.04MUSDC2%8.76%6.76%
Yearn-financeEthereum6.07MUSDC0%6.62%6.73%
Extra-finance-leverage-farmingBase3.49MUSDC0%7.07%6.67%
Yearn-financeEthereum8.89MUSDC0%6.24%6.64%
Midas-rwaEthereum6.71MUSDC0%7.1%6.37%
Midas-rwaEthereum2.51MUSDC0%7.09%6.36%
LoopscaleSolana4.09MUSDC0.31%7.03%6.3%
AccountableMonad9.13MUSDC0.5%7.24%6.13%
Fusion-by-iporEthereum2.59MUSDC0%5.7%6.07%
AutofinanceBase4.72MUSDC3.87%7.76%5.77%
Alchemix-v3Ethereum7.91MUSDC0%4.81%5.7%
Midas-rwaEthereum36.29MUSDC0%7.09%5.53%
Midas-rwaEthereum6.42MUSDC0%8.37%5.43%
Midas-rwaEtherlink1.12MUSDC0%8.36%5.43%
Hyperlend-pooledHyperliquid L116.17MUSDC0%6.38%5.42%
Storm-tradeTON3.03MUSDT0%5.48%5.39%
Kamino-lendSolana16.23MUSDC0%7.5%5.37%
Euler-v2Ethereum3.24MUSDC0%3.13%5.29%
AccountableEthereum1.91MUSDC19.44%25.76%5.26%
SymbioticEthereum1.01MUSDC0%5.79%5.25%
SymbioticEthereum1.01MUSDC0%5.79%5.25%
Fluid-lendingBase8.83MUSDC0%5.09%5.15%
AutofinanceEthereum8.05MUSDC0.81%5.88%5.11%
Yearn-financeBase1.74MUSDC0%4.97%5.03%
Midas-rwaEthereum1.77MUSDC0%11.83%4.98%
Fluid-lendingEthereum133.22MUSDT0%4.71%4.85%
Centrifuge-protocolAvalanche261.96MUSDC0%5.25%4.8%
Centrifuge-protocolBase50.51MUSDC0%5.25%4.8%
Centrifuge-protocolEthereum7.53MUSDC0%5.24%4.8%
SymbiosisEthereum1.42MUSDC0%4.68%4.78%
MapleEthereum1.01BUSDT0%4.32%4.72%
Midas-rwaEtherlink4.83MUSDC0%11.85%4.71%
Navi-lendingSui7.76MUSDC0.46%5.54%4.65%
Nawa-protocolZIGChain3.42MUSDC0%9.14%4.64%
Lista-lendingBSC2.27MUSDT1.74%7.22%4.58%
Jupiter-lendSolana451.48MUSDC0.4%5.15%4.55%
Flux-financeEthereum1.92MUSDT0%4.42%4.45%
Aave-v4Ethereum1.26MUSDT0%2.77%4.42%
ExactlyOP Mainnet1.80MUSDC0%4.37%4.38%
DolomiteArbitrum1.29MUSDC0%4.34%4.37%
Fluid-lendingEthereum151.11MUSDC0%5.04%4.37%
Fluid-lendingEthereum4MUSDC0%5.05%4.37%
Aave-v3Avalanche2.32MUSDT0%3.6%4.36%
ExactlyOP Mainnet1.80MUSDC0%4.31%4.32%
ExactlyOP Mainnet1.80MUSDC0%4.26%4.3%
Benqi-lendingAvalanche3.55MUSDC0%4.57%4.27%
Kamino-lendSolana2.52MUSDC0%6.38%4.27%
ExactlyOP Mainnet1.80MUSDC0%4.2%4.23%
ExactlyOP Mainnet1.80MUSDC0%4.2%4.2%
TydroInk8.47MUSDC0%2.73%4.19%
Compound-v3Ethereum35.92MUSDC0.11%4.32%4.18%
Jupiter-lendSolana18.13MUSDT0%3.74%4.15%
Kamino-lendSolana8.27MUSDC0%5.91%4.14%
Euler-v2Monad1.20MUSDC0%3.9%4.13%
ExactlyOP Mainnet1.80MUSDC0%4.06%4.12%
Project-0Solana1.26MUSDC0%4.1%4.09%
Yo-protocolBase8.42MUSDC0%4.12%4.08%
Yo-protocolEthereum1.51MUSDC0%4.12%4.08%
TermmaxEthereum3.34MUSDC0%4.04%4.05%
ExactlyOP Mainnet1.80MUSDC0%3.82%4.03%
Ember-protocolEthereum2.04MUSDC0%3.43%3.86%
Kamino-lendSolana1.71MUSDC0%5.3%3.83%
Kamino-lendSolana18.60MUSDC0%5.07%3.83%
ExactlyOP Mainnet1.80MUSDC0%4.06%3.8%
Yearn-financeEthereum2.43MUSDC0%3.65%3.8%
Yearn-financeEthereum20.02MUSDC0%3.46%3.79%
Midas-rwaEthereum3.49MUSDC0%3.78%3.78%
AmpleBase4.41MUSDC0%4.11%3.76%
Flux-financeEthereum2.59MUSDC0%3.73%3.73%
Aave-v3Base18.24MUSDC0%3.45%3.72%
ExactlyOP Mainnet1.80MUSDC0%3.38%3.65%
Spark-savingsEthereum309.21MUSDC0%3.52%3.6%
Spark-savingsAvalanche9.48MUSDC0%3.52%3.6%
Aave-v3Polygon1.20MDAI0%4.17%3.58%
Aave-v3Monad13.27MUSDC1.75%5.54%3.57%
SparklendEthereum1.96MUSDC0%3.48%3.54%
Aave-v3Ethereum172.90MUSDC0%3.81%3.52%
Aave-v3Ethereum58.91MUSDC1.65%5.28%3.52%
Aave-v3Ethereum231.19MUSDT0%3.11%3.5%
Aave-v3Ethereum71.11MUSDT1.44%4.51%3.5%
Fluid-lendingArbitrum63.75MUSDC0%4.65%3.39%
Midas-rwaEthereum72.05MUSDC0%3.22%3.36%
Midas-rwaEtherlink1.22MUSDC0%3.22%3.36%
Native-credit-poolEthereum1.77MUSDT0%3.08%3.31%
Aave-v3BSC1.61MUSDC0%2.93%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Yearn-financeEthereum7.44MDAI0%3.15%3.29%
Aave-v3Avalanche7.88MUSDC0%3.73%3.27%
DolomiteEthereum30.44MUSDC4.24%7.52%3.26%
Spark-savingsEthereum361.79MUSDT0%3.02%3.25%
Yearn-financeEthereum5.78MUSDT0%3.17%3.22%
Native-credit-poolBSC2.49MUSDT0%3.14%3.14%
LoopscaleSolana1.69MUSDC6.07%9.52%3.11%
CurvanceMonad2.72MUSDC2.25%5.28%3.05%
Venus-core-poolBSC54.34MUSDT0%2.25%3%
Aave-v3Ethereum18.81MDAI0%2.82%3%
Centrifuge-protocolMonad4.55MUSDC0%3.59%2.99%
Centrifuge-protocolPharos4.40MUSDC0%3.61%2.99%
Compound-v3Ethereum31.94MUSDT0.12%3.12%2.98%
Aave-v3Polygon11.89MUSDC0%2.83%2.88%
Venus-core-poolBSC12.89MUSDC0%2.33%2.85%
Compound-v3Arbitrum3.38MUSDC0%2.76%2.78%
SaveSolana5.83MUSDC0%2.49%2.78%
Aave-v3Arbitrum30.42MUSDC0%2.38%2.7%
Compound-v3Arbitrum3.98MUSDT0%2.33%2.62%
SparklendEthereum67.65MUSDT0%3.55%2.62%
Aave-v3BSC13.10MUSDT0%2.2%2.62%
Aave-v3Mantle1.62MUSDC0%2.14%2.6%
Centrifuge-protocolEthereum1.87MUSDC0%2.02%2.57%
Aave-v3Ethereum1.54MUSDC0%2.49%2.57%
SparklendEthereum100.05MDAI0%2.19%2.46%
Aave-v3OP Mainnet2.51MUSDC0%2.61%2.42%
Scallop-lendSui1.07MUSDC0%2.59%2.33%
Gami-labsBase3.02MUSDC0%2.62%2.31%
Spectra-metavaultsBase3.02MUSDC0%2.63%2.31%
Lista-lendingBSC2.77MUSDT0%2.24%2.31%
Justlend-v1Tron71.16MUSDT0%2.26%2.3%
Midas-rwaEthereum26.21MUSDC0%5.66%2.04%
Aave-v3Arbitrum1.09MDAI0%1.96%1.99%
Aave-v3Sonic1.14MUSDC0%1.87%1.88%
CurrentSui13.60MUSDC7.47%9.67%1.86%
Venus-core-poolBSC1.02MDAI0%1.84%1.83%
Kamino-lendSolana5.68MUSDT0%4.04%1.82%
Lista-lendingBSC1.01MUSDT0%1.86%1.82%
SaveSolana2.24MUSDT0%1.53%1.79%
Echelon-marketAptos1.49MUSDC1.49%3.47%1.7%
Aave-v4Ethereum2.03MUSDC0%1.95%1.42%
Lista-lendingBSC2.91MUSDT0%1.02%1.32%
Lista-lendingEthereum3.90MUSDC7.91%6.69%1.22%
NeverlandMonad2.46MUSDC6.77%8.56%1.2%
Venus-fluxBSC2.13MUSDT0%2.32%1.15%
ExactlyOP Mainnet1.80MUSDC0%0.97%0.84%
Zest-v2Stacks10.09MUSDC0%0.57%0.77%
Fusion-by-iporBase1.14MUSDC0%6.02%0.77%
Lista-lendingEthereum2.78MUSDT6.58%5.91%0.44%
Aave-v4Avalanche5.39MUSDC4.72%2.52%0.41%
AcrossEthereum1.10MUSDC4.19%4.19%0.21%
AcrossEthereum1.58MUSDT1.26%1.41%0.2%
TectonicCronos45.05MUSDT0%0.2%0.15%
TectonicCronos53.73MUSDC0%0.12%0.12%
CredixSolana13.48MUSDC0%0.04%0.04%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum8116.1M4.62%
Avalanche6290.6M3.45%
Base17138.8M6.14%
BSC15148.6M3.8%
Ethereum753.4B6.95%
Hyperliquid000%
Mantle11.6M2.6%
Optimism000%
Polygon213.1M3.23%
Solana18560.2M8.54%
TON13M5.39%
zkSync Era000%