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 3.82% on Jul 27 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
29/07/2026 20:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AzuroPolygon1.44MUSDT0%5.27%41.17%
AccountableMonad7.57MUSDC0.13%33.26%26.6%
AccountableMonad99.81MUSDC0%15.06%17.6%
AccountableEthereum3.51MUSDC11.55%18.13%15.23%
AccountableEthereum1.05MUSDC0%14.25%14.25%
AccountableEthereum1.05MUSDC0%14.25%14.25%
Ember-protocolSui1.21MUSDC0%8.97%14.03%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum7.72MUSDC0%12.92%12.9%
Midas-rwaEthereum1.99MUSDC0%10.02%12.07%
AccountableEthereum2.23MUSDC0%11.35%11.59%
Ember-protocolEthereum3.96MUSDC0%3.89%11.52%
Harvest-financeBase1.87MUSDC0%12.69%11.52%
Pareto-creditEthereum15.17MUSDC0%10.59%10.59%
YieldseekerBase2.04MUSDC0%8.55%10.4%
Midas-rwaEthereum8MUSDC0%9.18%10.3%
Midas-rwaEthereum70.89MUSDC0%11.21%10.22%
GoldfinchEthereum35.95MUSDC0%10.1%10.21%
Hyperlend-pooledHyperliquid L19.41MUSDC0%7.19%9.61%
AvantisBase20.78MUSDC0%9.11%9.55%
Ember-protocolEthereum3.24MUSDC0%9.26%9.54%
Midas-rwaEtherlink1.12MUSDC0%4.66%9.44%
Midas-rwaEthereum7.27MUSDC0%4.66%9.44%
Midas-rwaEthereum38.52MUSDC0%10.52%9.38%
Pareto-creditEthereum2.14MUSDC0%9.38%9.38%
Ember-protocolSui5.39MUSDC0%8.95%9.31%
Bracket-vaultsEthereum2.59MUSDC0%9.42%9.3%
Ember-protocolSui1.08MUSDC0%9.83%8.89%
Ember-protocolSui1.31MUSDC0%8.11%8.49%
Pareto-creditEthereum173.29MUSDC0%8.31%8.31%
VesperEthereum1.20MUSDC0%2.05%8.2%
Bitway-earnBSC23.42MUSDT0%8.08%8%
Ember-protocolSui8.03MUSDC4%12%8%
Midas-rwaEthereum6.66MUSDC0%7.83%7.97%
Midas-rwaEthereum2.50MUSDC0%7.82%7.97%
AccountableMonad10.07MUSDC0%9.84%7.81%
Midas-rwaEtherlink4.78MUSDC0%7.81%7.58%
Yearn-financeEthereum6.18MUSDC0%6.78%7.57%
Harmonix-financeHyperliquid L118.78MUSDC0%8.35%7.4%
AccountableMonad2.36MUSDC0%7.46%7.28%
Pareto-creditEthereum21.86MUSDC0%7.13%7.13%
LoopscaleSolana1.45MUSDC0.23%7.38%7.07%
Blend-pools-v2Stellar12.93MUSDC0%7.45%7.03%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
Zerobase-cedefiEthereum14.03MUSDT2%9%7%
Extra-finance-leverage-farmingBase3.43MUSDC0%6.48%6.77%
Zerobase-cedefiBSC20.55MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.05MUSDC2%8.76%6.76%
Ember-protocolEthereum16.94MUSDC0%6.96%6.75%
Kamino-lendSolana4.16MUSDC0%6.85%6.56%
Ember-protocolSui1.19MUSDC4.61%11.87%6.51%
Yearn-financeEthereum1.18MUSDC0%5.27%6.38%
Yearn-financeEthereum9.30MUSDC0%5.97%6.12%
Harvest-financeEthereum1.15MUSDC0%6.43%6.12%
AutofinanceBase5.28MUSDC2.54%7.56%5.8%
Fusion-by-iporEthereum2.50MUSDC0%5.91%5.72%
Storm-tradeTON3.45MUSDT0%5.81%5.71%
Euler-v2Monad1.64MUSDC2.64%8.24%5.64%
SymbiosisTron1.39MUSDT0%6.07%5.61%
Fluid-lendingBase8.76MUSDC0%5.46%5.49%
AutofinanceEthereum8.52MUSDC0.44%6.72%5.48%
Fluid-lendingEthereum147.52MUSDC0%5.57%5.2%
Fluid-lendingEthereum9.04MUSDC0%5.5%5.2%
Navi-lendingSui6.23MUSDC0.42%5.66%5.17%
LoopscaleSolana1.47MUSDC0%5.76%4.97%
Fluid-lendingArbitrum36.89MUSDC0%5.52%4.92%
Yearn-financeBase1.75MUSDC0%4.98%4.92%
Gains-networkArbitrum6.31MUSDC0%6.2%4.9%
Lista-lendingBSC1.91MUSDT0.26%6.61%4.84%
SymbiosisEthereum1.15MUSDC0%4.77%4.81%
Yo-protocolEthereum2.28MUSDC0%4.13%4.75%
Yo-protocolBase9.85MUSDC0%4.13%4.75%
AmpleBase4.32MUSDC0%4.24%4.71%
Kamino-lendSolana4.63MUSDC0%4.71%4.66%
Centrifuge-protocolAvalanche260.59MUSDC0%4.05%4.63%
Centrifuge-protocolBase50.25MUSDC0%4.05%4.63%
Centrifuge-protocolEthereum5.74MUSDC0%4.04%4.63%
Centrifuge-protocolBase1.54MUSDC0%4.05%4.63%
TermmaxBase1.20MUSDC0%3.93%4.52%
Fluid-lendingEthereum133.62MUSDT0%5%4.51%
Moonwell-lendingBase1.49MUSDC0.33%4.64%4.46%
Alchemix-v3Ethereum7.79MUSDC0%4.44%4.44%
Flux-financeEthereum2.05MUSDT0%4.43%4.41%
MapleEthereum897.71MUSDT0%4.15%4.35%
ExactlyOP Mainnet1.55MUSDC0%4.27%4.34%
ExactlyOP Mainnet1.55MUSDC0%4.22%4.27%
ExactlyOP Mainnet1.55MUSDC0%4.19%4.26%
ExactlyOP Mainnet1.55MUSDC0%4.11%4.21%
ExactlyOP Mainnet1.55MUSDC0%4.13%4.18%
Lista-lendingBSC6.15MUSDT0%4.98%4.18%
Jupiter-lendSolana431.87MUSDC0.7%4.75%4.17%
ExactlyOP Mainnet1.55MUSDC0%3.97%4.12%
ExactlyOP Mainnet1.55MUSDC0%3.92%4.08%
ExactlyOP Mainnet1.55MUSDC0%4.02%4.08%
DolomiteArbitrum1.59MUSDC0%4.73%3.98%
Benqi-lendingAvalanche4.33MUSDC0%3.82%3.97%
Aave-v3Avalanche5.37MUSDC0%3.52%3.96%
Kamino-lendSolana1.13MUSDT0%3.65%3.93%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum452.4M5.2%
Avalanche3270.3M4.19%
Base13112.6M6.32%
BSC554.1M6.11%
Ethereum381.7B8.24%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.4M41.17%
Solana6444.7M5.23%
TON13.4M5.71%
zkSync Era000%