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 3.57% on May 20 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
22/05/2026 19:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Yearn-financeBase1.83MUSDC0%144.04%78.51%
Ember-protocolSui1.18MUSDC0%10.45%14.72%
Canto-lendingCanto1.35MUSDC0%13.1%13.34%
Fusion-by-iporEthereum1.39MUSDC0%5.01%12.75%
Ember-protocolEthereum43.59MUSDC0%18.84%12.52%
AvantisBase44.99MUSDC0%10.1%11.87%
Bracket-vaultsEthereum2.71MUSDC0%10.89%10.52%
BitwayBSC19.08MUSDT0%10.64%10.5%
Ember-protocolSui1.48MUSDC0%10.01%10.01%
GoldfinchEthereum37.25MUSDC0%10.06%9.98%
Harmonix-financeHyperliquid L113.57MUSDC0%10.37%9.97%
AutofinanceEthereum2.03MUSDC0%9.52%9.46%
YieldseekerBase1.27MUSDC0%9.04%9.11%
Harvest-financeBase1.90MUSDC0%8.97%8.78%
Blend-pools-v2Stellar10.88MUSDC0%8.97%8.46%
SymbiosisEthereum1.44MUSDC0%6.59%8.02%
Ember-protocolSui5.34MUSDC4%12%8%
SymbiosisTron1.31MUSDT0%7.15%7.91%
Ember-protocolSui1.81MUSDC0%10.15%7.55%
LoopscaleSolana1.36MUSDC0.67%8.2%7.27%
Zerobase-cedefiEthereum14.44MUSDT2%9%7%
Zerobase-cedefiArbitrum7.92MUSDT2%9%7%
Zerobase-cedefiBSC24.37MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.02MUSDC2%8.76%6.76%
DeltaprimeAvalanche1.04MUSDC0%6.14%6.67%
Ember-protocolSui2.81MUSDC0%7.75%6.37%
Gains-networkArbitrum5.15MUSDC0%6.65%6.35%
Ember-protocolEthereum4.52MUSDC0%7.05%6.22%
Extra-finance-leverage-farmingBase3.75MUSDC0%6.04%6.15%
Aave-v3Avalanche5.31MUSDC0%6.44%6.01%
Kamino-lendSolana7.04MUSDC0%5.36%5.95%
Ember-protocolSui1.65MUSDC6.65%13.54%5.87%
Storm-tradeTON3.69MUSDT0%6.34%5.82%
Ember-protocolEthereum2.79MUSDC0%9.53%5.73%
Scallop-lendSui1.01MUSDC0%5.37%5.72%
Harvest-financeEthereum1.09MUSDC0%4.64%5.61%
LoopscaleSolana1.08MUSDC0%5.52%5.51%
Yearn-financeEthereum10.70MUSDC0%5.19%5.28%
Benqi-lendingAvalanche3.08MUSDC0%8.07%5.17%
Ember-protocolSui1.13MUSDC0%6.49%5.1%
Spectra-metavaultsBase5.59MUSDC0.03%4.08%5.01%
Benqi-lendingAvalanche1MUSDT0%7.05%4.99%
Benqi-lendingAvalanche1MUSDT0%7.05%4.99%
Fluid-lendingArbitrum46.48MUSDC0%5.6%4.99%
Aave-v3Ethereum130.65MUSDC0%4.44%4.97%
Aave-v3Ethereum45.66MUSDC4.53%8.58%4.97%
Gains-networkBase2.19MUSDC0%2.53%4.95%
Yearn-financeEthereum3.39MUSDC0%5.93%4.86%
AutofinanceBase7.55MUSDC3.12%8.74%4.82%
DolomiteArbitrum1.45MUSDC0%5.1%4.8%
Fluid-lendingBase12.98MUSDC0%5.83%4.67%
Flux-financeEthereum1.70MUSDT0%4.59%4.58%
Navi-lendingSui4.86MUSDC0.66%4.8%4.52%
AmpleBase4.33MUSDC0%4.71%4.44%
Folks-finance-lendingAlgorand1.41MUSDC0%4.45%4.38%
MapleEthereum0.91BUSDT0%4.54%4.22%
ExactlyOP Mainnet1.60MUSDC0%4.08%4.16%
ExactlyOP Mainnet1.60MUSDC0%4.05%4.13%
Hyperlend-pooledHyperliquid L119.93MUSDC0%5.39%4.12%
Moonwell-lendingBase1.60MUSDC0%4.95%4.11%
Euler-v2Monad2.38MUSDC0%8.29%4.11%
Fluid-lendingEthereum200.42MUSDC1.04%4.76%4.06%
Fluid-lendingEthereum7.54MUSDC0%3.68%4.06%
ExactlyOP Mainnet1.60MUSDC0%3.96%4.05%
SparklendEthereum3.71MUSDC0%4.17%4.04%
TermmaxEthereum1.37MUSDC0%1.76%4.03%
Yo-protocolEthereum3.36MUSDC7.8%13.05%4.01%
Yo-protocolBase15.59MUSDC7.8%13.03%4.01%
TermmaxBase1.26MUSDC0%2.42%3.98%
ExactlyOP Mainnet1.60MUSDC0%3.87%3.98%
ExactlyOP Mainnet1.60MUSDC0%4.04%3.97%
ExactlyOP Mainnet1.60MUSDC0%3.85%3.97%
ExactlyOP Mainnet1.60MUSDC0%3.85%3.95%
ExactlyOP Mainnet1.60MUSDC0%3.6%3.95%
ExactlyOP Mainnet1.60MUSDC0%3.82%3.94%
Jupiter-lendSolana441.33MUSDC1.11%4.53%3.82%
NeverlandMonad14.49MUSDC4.68%8.49%3.79%
Centrifuge-protocolEthereum172.73MUSDC0%2.82%3.72%
Centrifuge-protocolAvalanche258.78MUSDC0%2.83%3.72%
Centrifuge-protocolEthereum6.84MUSDC0%2.51%3.72%
TermmaxEthereum7.31MUSDC0%2.07%3.71%
Flux-financeEthereum2.69MUSDC0%3.69%3.68%
TermmaxEthereum2.01MUSDC0%3.62%3.66%
Spark-savingsAvalanche28.23MUSDC0%3.65%3.65%
Spark-savingsEthereum400.61MUSDC0%3.65%3.65%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum461M5.78%
Avalanche7298.4M5.03%
Base13104.8M11.57%
BSC345.5M8.01%
Ethereum272B5.89%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon000%
Solana4450.8M5.64%
TON13.7M5.82%
zkSync Era000%