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 3.73% on Jul 08 2026). 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
10/07/2026 17:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Centrifuge-protocolMonad10.03MUSDC0%2.85%16.48%
AccountableEthereum1.04MUSDC0%14.28%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Harvest-financeBase1.86MUSDC0%17.64%12.99%
Ember-protocolEthereum6.10MUSDC0%12.77%12.9%
AccountableEthereum2.13MUSDC0%8.84%11.71%
AccountableMonad48.97MUSDC0.4%11.71%11.6%
Midas-rwaEthereum1.98MUSDC0%9.95%10.71%
Midas-rwaMonad2.94MUSDC0%10.55%10.58%
Midas-rwaEthereum45.99MUSDC0%10.55%10.58%
GoldfinchEthereum36.72MUSDC0%10.12%10.12%
Midas-rwaEthereum73.21MUSDC0%13.6%10%
AccountableMonad5.20MUSDC0.5%10.39%10%
Ember-protocolSui1.09MUSDC0%9.13%9.73%
AccountableMonad8.97MUSDC0.5%9.26%9.71%
Ember-protocolSui1.20MUSDC0%11.5%9.52%
Bracket-vaultsEthereum2.65MUSDC0%9.85%9.48%
Ember-protocolEthereum3.28MUSDC0%9.2%9.19%
YieldseekerBase1.89MUSDC0%7.88%8.89%
Harmonix-financeHyperliquid L121.22MUSDC0%9.54%8.88%
Midas-rwaEthereum7.74MUSDC0%8.85%8.58%
Ember-protocolSui2.82MUSDC0%9.28%8.48%
AvantisBase29.27MUSDC0%9.83%8.35%
LazyEthereum1.03MUSDC0%8.67%8.14%
LazyEthereum1.03MUSDC0%8.67%8.14%
Bitway-earnBSC23.25MUSDT0%9.35%8%
Ember-protocolSui7MUSDC4%12%8%
Blend-pools-v2Stellar11.89MUSDC0%6.81%7.41%
Midas-rwaEtherlink3.77MUSDC0%6.13%7.18%
Extra-finance-leverage-farmingBase3.30MUSDC0%6.64%7.04%
AccountableMonad2.94MUSDC0.5%7.4%7.03%
Zerobase-cedefiArbitrum7.63MUSDT2%9%7%
Gami-labsStellar15.16MUSDC0%7%7%
Zerobase-cedefiEthereum14.13MUSDT2%9%7%
Ember-protocolSui1.12MUSDC5.05%12.03%6.81%
Yearn-financeEthereum5.68MUSDC0%5.33%6.78%
Zerobase-cedefiBSC21.41MUSDT2%8.76%6.76%
Zerobase-cedefiBSC1.93MUSDC2%8.76%6.76%
Midas-rwaEthereum2.49MUSDC0%8.13%6.57%
Midas-rwaEthereum6.64MUSDC0%8.13%6.57%
AccountableEthereum4.03MUSDC10.02%13.87%6.46%
Lista-lendingBSC5.14MUSDT0%4.5%6.46%
AutofinanceEthereum8.13MUSDC0.4%6.38%6.35%
Ember-protocolSui1.36MUSDC0%8.17%6.33%
Harvest-financeEthereum1.13MUSDC0%7.8%6.21%
Kamino-lendSolana5.44MUSDC0%6.87%6.15%
Fusion-by-iporEthereum1.92MUSDC0%6.13%6.09%
SparklendEthereum16.23MUSDT0%2.87%6.05%
Fluid-lendingBase8.46MUSDC0%5.51%6.03%
Storm-tradeTON3.61MUSDT0%5.97%5.8%
Hyperlend-pooledHyperliquid L111.40MUSDC0%6.15%5.79%
Fluid-lendingArbitrum38.29MUSDC0%5.9%5.72%
Fluid-lendingEthereum9.39MUSDC0%5.63%5.7%
Fluid-lendingEthereum132.34MUSDC0%6.36%5.7%
Lista-lendingBSC6.07MUSDT0%4.83%5.59%
Yearn-financeEthereum8.98MUSDC0%5.57%5.49%
Euler-v2Ethereum6.89MUSDC0%3.05%5.33%
Navi-lendingSui6.05MUSDC0.44%5.98%5.21%
AutofinanceBase5.99MUSDC2.09%7.36%5.18%
SymbiosisTron1.54MUSDT0%6.27%5.04%
Yearn-financeBase1.75MUSDC0%4.82%5.02%
Fluid-lendingEthereum126.56MUSDT0%5.63%4.97%
Yearn-financeEthereum1.18MUSDC0%4.23%4.96%
Euler-v2Monad2.16MUSDC3.14%5.33%4.95%
Kamino-lendSolana4.36MUSDC0%4.79%4.95%
SymbiosisEthereum1.25MUSDC0%6.91%4.81%
Lista-lendingBSC1.80MUSDT1.28%6.51%4.48%
DolomiteArbitrum1.37MUSDC0%4.1%4.47%
Flux-financeEthereum1.90MUSDT0%4.48%4.45%
Midas-rwaEthereum4.54MUSDC0%6.15%4.4%
Kamino-lendSolana11.56MUSDC0%4.4%4.35%
ExactlyOP Mainnet1.73MUSDC0%4.17%4.28%
Centrifuge-protocolMonad4.52MUSDC0%3.12%4.28%
ExactlyOP Mainnet1.73MUSDC0%4.15%4.2%
Yo-protocolEthereum2.38MUSDC0%4.26%4.19%
Yo-protocolBase10.42MUSDC0%4.26%4.19%
ExactlyOP Mainnet1.73MUSDC0%4.08%4.18%
MapleEthereum1.02BUSDT0%4.12%4.17%
ExactlyOP Mainnet1.73MUSDC0%4.06%4.11%
ExactlyOP Mainnet1.73MUSDC0%3.97%4.07%
AmpleBase4.29MUSDC0%4.61%4.03%
Midas-rwaEthereum7.15MUSDC0%3.05%4.03%
Midas-rwaEtherlink1.11MUSDC0%3.04%4.03%
ExactlyOP Mainnet1.73MUSDC0%3.96%4%
Aave-v3Avalanche2.41MUSDT0%3.52%3.97%
Folks-finance-xchainPolygon1.26MUSDT0%3.99%3.96%
ExactlyOP Mainnet1.73MUSDC0%3.78%3.91%
Centrifuge-protocolPlume Mainnet32.96MUSDC0%3.37%3.9%
ExactlyOP Mainnet1.73MUSDC0%4.05%3.89%
ExactlyOP Mainnet1.73MUSDC0%3.7%3.88%
Benqi-lendingAvalanche4.39MUSDC0%3.73%3.85%
TermmaxBase1.20MUSDC0%4.1%3.83%
Moonwell-lendingBase2.77MUSDC0.35%5.5%3.83%
Jupiter-lendSolana414.70MUSDC0.73%4.73%3.76%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum347.3M5.73%
Avalanche26.8M3.91%
Base1171.2M6.31%
BSC659.6M6.34%
Ethereum331.6B7.28%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.3M3.96%
Solana4436.1M4.8%
TON13.6M5.8%
zkSync Era000%