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 3.81% on Jul 24 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
28/07/2026 20:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AzuroPolygon1.43MUSDT0%4.19%31.44%
AccountableMonad7.56MUSDC0.14%33.9%27.83%
AccountableMonad99.82MUSDC0%14.87%17.6%
AccountableEthereum3.51MUSDC11.55%18.04%15.62%
AccountableEthereum1.05MUSDC0%14.25%14.25%
AccountableEthereum1.05MUSDC0%14.25%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Midas-rwaEthereum1.98MUSDC0%9.91%12.07%
AccountableEthereum2.23MUSDC0%11.32%11.59%
Harvest-financeBase1.87MUSDC0%12.69%11.53%
Midas-rwaEthereum7.98MUSDC0%9.13%10.64%
Pareto-creditEthereum15.17MUSDC0%10.59%10.59%
Ember-protocolSui1.08MUSDC0%9.87%10.29%
Euler-v2Monad1.64MUSDC2.63%8%10.27%
GoldfinchEthereum35.95MUSDC0%10.1%10.21%
YieldseekerBase2.04MUSDC0%8.52%10.16%
Midas-rwaEthereum70.87MUSDC0%11.41%10.12%
Ember-protocolSui1.21MUSDC0%8.75%9.89%
Ember-protocolEthereum3.96MUSDC0%3.06%9.83%
Midas-rwaEtherlink1.12MUSDC0%4.39%9.44%
Midas-rwaEthereum7.27MUSDC0%4.39%9.44%
Midas-rwaEthereum38.04MUSDC0%10.56%9.38%
Pareto-creditEthereum2.14MUSDC0%9.38%9.38%
Bracket-vaultsEthereum2.59MUSDC0%9.44%9.3%
AvantisBase20.79MUSDC0%9.14%8.89%
Ember-protocolSui5.38MUSDC0%8.93%8.86%
Ember-protocolSui1.30MUSDC0%8.18%8.38%
Pareto-creditEthereum170.70MUSDC0%8.31%8.31%
Ember-protocolSui8.08MUSDC4%12%8%
Bitway-earnBSC23.39MUSDT0%8.14%8%
AccountableMonad10.08MUSDC0%9.88%7.99%
Midas-rwaEthereum2.50MUSDC0%7.82%7.97%
Midas-rwaEthereum6.66MUSDC0%7.83%7.97%
VesperEthereum1.20MUSDC0%1.81%7.74%
Yearn-financeEthereum6.18MUSDC0%6.7%7.72%
Midas-rwaEtherlink4.78MUSDC0%7.81%7.58%
Kamino-lendSolana2.58MUSDC0%6.86%7.44%
AccountableMonad2.36MUSDC0%7.46%7.28%
Blend-pools-v2Stellar12.26MUSDC0%7.48%7.15%
Pareto-creditEthereum21.87MUSDC0%7.13%7.13%
LoopscaleSolana1.49MUSDC0.23%7.41%7.06%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
Harmonix-financeHyperliquid L118.71MUSDC0%8.4%6.97%
Extra-finance-leverage-farmingBase3.43MUSDC0%6.45%6.76%
Zerobase-cedefiBSC20.78MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.05MUSDC2%8.76%6.76%
Yearn-financeEthereum1.18MUSDC0%5.22%6.33%
Yearn-financeEthereum9.32MUSDC0%5.99%6.07%
SymbiosisTron1.32MUSDT0%6.08%6.04%
Harvest-financeEthereum1.16MUSDC0%6.64%6.01%
Ember-protocolSui1.19MUSDC6.84%11.91%5.93%
AutofinanceBase5.26MUSDC2.49%7.52%5.91%
Hyperlend-pooledHyperliquid L111.77MUSDC0%7.06%5.89%
Storm-tradeTON3.59MUSDT0%5.83%5.73%
Ember-protocolSui5.68MUSDC0%6.8%5.67%
Gains-networkArbitrum6.31MUSDC0%6.22%5.57%
Fusion-by-iporEthereum2.61MUSDC0%5.91%5.54%
AutofinanceEthereum8.57MUSDC0.42%6.76%5.51%
Euler-v2Ethereum7.49MUSDC0%3.85%5.46%
Fluid-lendingBase8.80MUSDC0%5.44%5.36%
Ember-protocolEthereum7.84MUSDC0%12.95%5.34%
Fluid-lendingEthereum144.77MUSDC0%5.65%5.23%
Fluid-lendingEthereum9.04MUSDC0%5.56%5.23%
Fluid-lendingArbitrum36.28MUSDC0%5.57%5.17%
Navi-lendingSui6.41MUSDC0.42%5.67%5.12%
LoopscaleSolana1.45MUSDC0%5.78%4.98%
SymbiosisEthereum1.18MUSDC0%4.85%4.97%
Yearn-financeBase1.77MUSDC0%4.98%4.92%
Lista-lendingBSC1.90MUSDT0.26%6.67%4.86%
AmpleBase4.32MUSDC0%4.23%4.72%
TermmaxBase1.20MUSDC0%3.92%4.7%
Fluid-lendingEthereum132.74MUSDT0%5.08%4.7%
Centrifuge-protocolBase50.25MUSDC0%3.94%4.55%
Centrifuge-protocolAvalanche260.59MUSDC0%3.94%4.55%
Centrifuge-protocolEthereum5.74MUSDC0%3.93%4.54%
Centrifuge-protocolBase1.54MUSDC0%3.94%4.54%
Flux-financeEthereum2.05MUSDT0%4.43%4.41%
MapleEthereum886.20MUSDT0%4.14%4.37%
ExactlyOP Mainnet1.62MUSDC0%4.27%4.34%
ExactlyOP Mainnet1.62MUSDC0%4.21%4.27%
Jupiter-lendSolana427.24MUSDC0.71%4.76%4.27%
ExactlyOP Mainnet1.62MUSDC0%4.19%4.26%
Lista-lendingBSC6.16MUSDT0%4.99%4.24%
Yo-protocolEthereum2.38MUSDC0%4.13%4.22%
Yo-protocolBase9.86MUSDC0%4.12%4.22%
ExactlyOP Mainnet1.62MUSDC0%4.11%4.21%
ExactlyOP Mainnet1.62MUSDC0%4.13%4.18%
Benqi-lendingAvalanche3.93MUSDC0%3.8%4.18%
Moonwell-lendingBase1.98MUSDC0.33%4.64%4.17%
ExactlyOP Mainnet1.62MUSDC0%3.96%4.12%
Kamino-lendSolana9.25MUSDC0%4.74%4.11%
TermmaxEthereum4.40MUSDC0%3.62%4.08%
ExactlyOP Mainnet1.62MUSDC0%4.01%4.07%
ExactlyOP Mainnet1.62MUSDC0%3.9%4.07%
DolomiteArbitrum1.57MUSDC0%4.75%4.04%
Aave-v3Avalanche5.35MUSDC0%3.52%3.97%
Ember-protocolEthereum3.24MUSDC0%9.22%3.87%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum451.8M5.44%
Avalanche3269.9M4.23%
Base13113.1M6.19%
BSC554.3M6.12%
Ethereum381.6B7.8%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.4M31.44%
Solana5442M5.57%
TON13.6M5.73%
zkSync Era000%