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
09/09/2026 10:00:05

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Gains-networkArbitrum4.51MUSDC0%9.04%21.87%
Harvest-financeBase1.86MUSDC0%13.38%20.25%
EnsuroEthereum1.15MUSDC0%21.62%19.84%
Harvest-financeEthereum1.16MUSDC0%9.64%19.72%
AccountableEthereum1.81MUSDC20.39%26.95%19.54%
Neutral-tradeSolana2.25MUSDC0%29.77%18.57%
AvantisBase10.68MUSDC0%6.31%17.65%
Neutral-tradeSolana2.29MUSDC0%9.72%16.07%
AccountableMonad7.50MUSDC1.02%18.3%15.81%
AccountableEthereum1.06MUSDC0%15.4%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum6.92MUSDC0%12.85%12.9%
AccountableEthereum11.74MUSDC0%11.87%12.51%
AccountableMonad5.04MUSDC0.48%12.12%11.64%
Ember-protocolSui1.35MUSDC0%10.2%11.58%
AccountableMonad74.99MUSDC0.29%13%11.4%
AccountableEthereum3.21MUSDC0%11.91%11.38%
Pareto-creditEthereum11.01MUSDC0%10.59%10.59%
Ember-protocolSui7.61MUSDC0%10.22%10.03%
AguaEthereum7.70MUSDC0%10%10%
Ember-protocolEthereum10.28MUSDC0%9.6%9.55%
Ember-protocolEthereum3.37MUSDC0%9.58%9.43%
Pareto-creditEthereum2.18MUSDC0%9.38%9.38%
Ember-protocolEthereum17.32MUSDC0%8.91%9.19%
SymbiosisTron1.21MUSDT0%7.08%8.51%
Sentora-curatorEthereum64.43MUSDC0%6.6%8.41%
Midas-rwaEthereum2.52MUSDC0%7.41%8.32%
YieldseekerBase1.08MUSDC0%8.8%8.12%
Midas-rwaEthereum6.72MUSDC0%7.4%8.04%
Bitway-earnBSC25.23MUSDT0%8%8%
Ember-protocolSui9.22MUSDC4%12%8%
Blend-pools-v2Stellar9.95MUSDC0%6.73%7.93%
Pareto-creditEthereum146.07MUSDC0%7.97%7.82%
Fusion-by-iporBase1.07MUSDC0%6.09%7.74%
Midas-rwaEthereum1.70MUSDC0%10.23%7.69%
Euler-v2Monad1.12MUSDC1.25%9.37%7.59%
Midas-rwaEthereum7.75MUSDC0%8.27%7.58%
Fusion-by-iporEthereum1.29MUSDC0%5.86%7.55%
Midas-rwaEthereum64.99MUSDC0%8.52%7.54%
Bitway-earnBSC6.57MUSDT0%6.77%7.5%
Harmonix-financeHyperliquid L123.55MUSDC0%6.62%7.4%
Yearn-financeEthereum9.30MUSDC0%6.48%7.06%
Harvest-financeBase1.07MUSDC0%6.63%7.04%
AccountableMonad1.63MUSDC0.41%7.63%7.03%
Zerobase-cedefiEthereum14.05MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
Yearn-financeEthereum6.08MUSDC0%6.62%6.84%
LoopscaleSolana1.81MUSDC0.31%6.97%6.81%
Midas-rwaEthereum31.76MUSDC0%6.65%6.8%
Zerobase-cedefiBSC18.53MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.01MUSDC2%8.76%6.76%
Pareto-creditEthereum22.01MUSDC0%7.1%6.62%
Extra-finance-leverage-farmingBase3.64MUSDC0%6.92%6.35%
Fusion-by-iporEthereum2.59MUSDC0%5.87%6.22%
AccountableMonad9.37MUSDC0.45%6.97%6.13%
Nawa-protocolZIGChain3.42MUSDC0%8.38%6.11%
Centrifuge-protocolAvalanche262.16MUSDC0%5.16%6.08%
Centrifuge-protocolBase50.55MUSDC0%5.16%6.08%
Centrifuge-protocolEthereum7.53MUSDC0%5.17%6.08%
SparklendEthereum14.12MUSDT0%3.46%6.05%
Kamino-lendSolana9.26MUSDC0%7.22%5.92%
AutofinanceBase3.52MUSDC5.23%8.2%5.88%
Alchemix-v3Ethereum7.77MUSDC0%5%5.72%
SymbiosisEthereum1.31MUSDC0%4.84%5.53%
Midas-rwaEthereum6.42MUSDC0%7.73%5.43%
Midas-rwaEtherlink1.12MUSDC0%7.73%5.43%
SymbioticEthereum1.01MUSDC0%5.71%5.42%
Fusion-by-iporBase1.15MUSDC3.5%7.39%5.38%
Storm-tradeTON3.05MUSDT0%5.43%5.35%
Hyperlend-pooledHyperliquid L119.47MUSDC0%6.2%5.16%
AutofinanceEthereum7.73MUSDC1.01%5.94%5.15%
Yearn-financeBase1.73MUSDC0%4.99%5.04%
Native-credit-poolEthereum1.14MUSDC0%4.73%4.93%
Aave-v3Avalanche2.13MUSDT0%3.8%4.9%
MapleEthereum1BUSDT0%4.43%4.8%
Fluid-lendingBase9.24MUSDC0%5.05%4.79%
Fluid-lendingEthereum147.83MUSDC0%4.97%4.77%
Fluid-lendingEthereum3.96MUSDC0%4.97%4.77%
Navi-lendingSui7.61MUSDC0.48%5.53%4.74%
AmpleBase4.39MUSDC0%4.08%4.73%
Lista-lendingBSC2.67MUSDT0.76%7.02%4.67%
LoopscaleSolana1.38MUSDC7.1%10.19%4.6%
Flux-financeEthereum1.89MUSDT0%4.43%4.47%
DolomiteArbitrum1.26MUSDC0%4.36%4.46%
Fluid-lendingEthereum134.86MUSDT0%4.78%4.45%
Yearn-financeBase1MUSDC0%4.4%4.42%
Yearn-financeBase1MUSDC0%4.4%4.42%
Kamino-lendSolana2.90MUSDC0%6.01%4.42%
ExactlyOP Mainnet1.72MUSDC0%4.37%4.38%
ExactlyOP Mainnet1.72MUSDC0%4.32%4.33%
ExactlyOP Mainnet1.72MUSDC0%4.28%4.31%
ExactlyOP Mainnet1.72MUSDC0%4.21%4.25%
ExactlyOP Mainnet1.72MUSDC0%4.2%4.2%
Ember-protocolEthereum2.04MUSDC0%3.53%4.19%
Neutral-tradeSolana3.34MUSDC0%5.59%4.17%
ExactlyOP Mainnet1.72MUSDC0%4.08%4.16%
TermmaxEthereum3.32MUSDC0%4.05%4.14%
Compound-v3Ethereum36.60MUSDC0%4.59%4.14%
Benqi-lendingAvalanche3.88MUSDC0%4.53%4.08%
ExactlyOP Mainnet1.72MUSDC0%3.88%4.08%
Yo-protocolBase8.38MUSDC0%4.09%4.06%
Yo-protocolEthereum1.35MUSDC0%4.09%4.06%
Aave-v3Base17.69MUSDC0%3.53%4.03%
Fluid-lendingArbitrum61.74MUSDC0%4.37%4.03%
Jupiter-lendSolana17.66MUSDT0%3.89%4.03%
Yearn-financeEthereum1.11MUSDC0%4.03%4.02%
Yearn-financeEthereum2.39MUSDC0%3.7%3.91%
Jupiter-lendSolana467.74MUSDC0.39%5.06%3.9%
Aave-v3Avalanche5.87MUSDC0%3.74%3.89%
TydroInk11.25MUSDC0%3.1%3.86%
ExactlyOP Mainnet1.72MUSDC0%4.01%3.82%
Yearn-financeEthereum19.86MUSDC0%3.54%3.79%
Midas-rwaEthereum3.49MUSDC0%3.78%3.78%
Flux-financeEthereum2.59MUSDC0%3.73%3.73%
ExactlyOP Mainnet1.72MUSDC0%3.34%3.73%
Centrifuge-protocolPharos4.40MUSDC0%3.47%3.65%
Midas-rwaEtherlink4.84MUSDC0%10.48%3.65%
Aave-v3Ethereum139.14MUSDC0%3.84%3.64%
Aave-v3Ethereum58.57MUSDC1.66%5.34%3.64%
Aave-v3Polygon1.17MDAI0%4.11%3.62%
Aave-v3Ethereum192.57MUSDT0%3.26%3.6%
Aave-v3Ethereum68.54MUSDT1.49%4.68%3.6%
Spark-savingsEthereum309.93MUSDC0%3.54%3.6%
Spark-savingsAvalanche9.52MUSDC0%3.54%3.6%
Euler-v2Monad1.72MUSDC1.25%4.04%3.59%
Aave-v3Monad15.23MUSDC2.08%5.52%3.56%
SparklendEthereum2.04MUSDC0%3.49%3.54%
Aave-v4Ethereum1.36MUSDT0%3.01%3.51%
Kamino-lendSolana2.08MUSDC0%5.04%3.39%
Yearn-financeEthereum5.77MUSDT0%3.19%3.39%
Yearn-financeEthereum7.44MDAI0%3.2%3.38%
Kamino-lendSolana25.94MUSDC0%4.97%3.38%
Kamino-lendSolana2.19MUSDT0%4.1%3.32%
Native-credit-poolEthereum1.83MUSDT0%3.16%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
DolomiteEthereum29.69MUSDC4.09%7.51%3.3%
Centrifuge-protocolPlume Mainnet20.82MUSDC0%6.35%3.28%
Spark-savingsEthereum360.91MUSDT0%3.11%3.25%
CurvanceMonad2.88MUSDC2.04%5.28%3.18%
Native-credit-poolBSC1.58MUSDT0%3.08%3.14%
Aave-v3BSC2.07MUSDC0%2.89%3.13%
Compound-v3Ethereum24.42MUSDT0%3.09%3.12%
Aave-v3Ethereum17.38MDAI0%2.77%3.07%
SaveSolana5.65MUSDC0%2.56%3.07%
Aave-v4Ethereum2.49MUSDC0%3.98%3.07%
Aave-v3Ethereum1.23MUSDC0%2.63%3.05%
Midas-rwaEthereum72.59MUSDC0%3.28%3.05%
Midas-rwaEtherlink1.22MUSDC0%3.28%3.05%
Aave-v3BSC10.68MUSDT0%2.32%2.89%
Compound-v3Arbitrum2.98MUSDC0%2.78%2.87%
Aave-v3Polygon12.11MUSDC0%2.84%2.84%
Aave-v3Arbitrum28.10MUSDC0%2.45%2.79%
Venus-core-poolBSC62.27MUSDT0%2.39%2.78%
Aave-v3Mantle1.19MUSDC0%1.76%2.73%
Compound-v3Arbitrum3.77MUSDT0%2.45%2.67%
Aave-v3OP Mainnet2.22MUSDC0%2.54%2.58%
Centrifuge-protocolEthereum1.87MUSDC0%2.22%2.53%
Venus-fluxBSC2.02MUSDT0%2.51%2.52%
SparklendEthereum100.11MDAI0%2.24%2.46%
Lista-lendingBSC2.66MUSDT0%2.26%2.37%
Euler-v2Ethereum1.13MUSDC0%14.37%2.37%
Venus-core-poolBSC19.68MUSDC0%2.21%2.16%
Midas-rwaEthereum26.21MUSDC0%4.76%2.04%
Aave-v3Arbitrum1.10MDAI0%1.99%1.97%
CurrentSui14.73MUSDC7.14%9.55%1.92%
NeverlandMonad1.67MUSDC7.52%8.99%1.87%
Aave-v3Sonic1.15MUSDC0%1.86%1.85%
SaveSolana2.33MUSDT0%1.58%1.83%
Venus-core-poolBSC1.02MDAI0%1.83%1.83%
Echelon-marketAptos1.44MUSDC1.65%3.41%1.8%
Justlend-v1Tron99.44MUSDT0%2.31%1.78%
Centrifuge-protocolMonad4.55MUSDC0%3.42%1.67%
Gami-labsBase3.02MUSDC0%2.39%1.57%
Spectra-metavaultsBase3.02MUSDC0%2.42%1.57%
Aave-v4Ethereum2.03MUSDC0%1.8%1.42%
Lista-lendingBSC2.75MUSDT0%1.3%1.37%
Aave-v4Avalanche3.05MUSDC3.86%3.41%1.26%
ExactlyOP Mainnet1.72MUSDC0%0.95%0.88%
Lista-lendingEthereum5.13MUSDC6.11%6.94%0.86%
Zest-v2Stacks10.09MUSDC0%0.61%0.78%
Kamino-lendSolana2.70MUSDC0%0.35%0.59%
Lista-lendingEthereum3.29MUSDT5.7%5.98%0.49%
AcrossEthereum1.10MUSDC4.15%4.23%0.38%
AcrossEthereum1.58MUSDT1.25%1.36%0.17%
Aave-v4Avalanche2.28MUSDT6.59%3.46%0.12%
CredixSolana13.46MUSDC0%0.05%0.07%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum8111.1M5.96%
Avalanche7288.9M3.42%
Base19134.6M6.64%
BSC14159.8M3.99%
Ethereum753.3B5.93%
Hyperliquid000%
Mantle11.2M2.73%
Optimism000%
Polygon213.3M3.23%
Solana16563M5.26%
TON13M5.35%
zkSync Era000%