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
03/10/2026 06:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Neutral-tradeSolana2.26MUSDC0%38.92%79.44%
Neutral-tradeSolana1.40MUSDC0%67.25%52.94%
Gains-networkArbitrum4.82MUSDC0%37.3%34.61%
EnsuroEthereum1.31MUSDC0%20.89%33%
Harvest-financeBase1.84MUSDC0%47.83%32.56%
VerantaBase9.55MUSDC0%18.22%18.68%
AccountableEthereum2.06MUSDC13.35%38.16%16.89%
AccountableMonad7.50MUSDC1.4%16.38%16.33%
AccountableEthereum1.05MUSDC0.75%14.83%14.25%
Ember-protocolEthereum1.64MUSDC0%17.37%12.93%
Ember-protocolEthereum2.62MUSDC0%12.97%12.9%
Aave-v3Ethereum6.33MUSDC0%4.1%12.51%
AccountableEthereum11.06MUSDC0%12.45%12.13%
AccountableMonad5.44MUSDC0.5%12.1%11.64%
AccountableMonad75MUSDC0.42%11.71%11.4%
Pareto-creditEthereum11.10MUSDC0%10.59%10.59%
Neutral-tradeSolana2.46MUSDC0%14.15%10.15%
Ember-protocolSui9.11MUSDC0%10.13%10%
AguaEthereum7.48MUSDC0%10%10%
AccountableEthereum3.37MUSDC0%11.74%9.54%
Nawa-protocolZIGChain3.45MUSDC0%9.01%9.5%
Ember-protocolEthereum3.71MUSDC0%9.6%9.42%
Pareto-creditEthereum1.98MUSDC0%9.38%9.38%
Midas-rwaEthereum31.27MUSDC0%6.7%8.89%
Neutral-tradeSolana4.25MUSDC0%11.98%8.74%
Ember-protocolSui8.63MUSDC0%6.62%8.6%
Neutral-tradeSolana1.39MUSDC0%9.42%8.41%
Midas-rwaEthereum3.30MUSDC0%7.06%8.27%
Midas-rwaEthereum2.53MUSDC0%7.06%8.27%
Ember-protocolEthereum5.51MUSDC0%10.92%8.2%
Coinmerce-capitalHyperliquid L11.74MUSDC0%8.19%8.19%
Pareto-creditEthereum123.89MUSDC0%7.83%8.06%
Bitway-earnBSC19.79MUSDT0%8%8%
Ember-protocolSui8.88MUSDC4%12%8%
Ember-protocolEthereum17.75MUSDC0%11.68%8%
Midas-rwaEthereum1.70MUSDC0%8.43%7.92%
Sentora-curatorEthereum94.38MUSDC0%7.43%7.7%
Midas-rwaEthereum65.72MUSDC0%7.55%7.57%
Bitway-earnBSC5.66MUSDT0%7.5%7.5%
AccountableMonad2.32MUSDC0.5%7.33%7.28%
Zerobase-cedefiEthereum14.07MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.62MUSDT2%9%7%
Yearn-financeEthereum11.89MUSDC0%6.65%6.97%
Extra-finance-leverage-farmingBase3.35MUSDC0%6.29%6.96%
Aave-v4Ethereum2.02MUSDC0%4.84%6.84%
Yearn-financeEthereum7.62MUSDC0%6.85%6.78%
Zerobase-cedefiBSC17.96MUSDT2%8.76%6.76%
Zerobase-cedefiBSC1.94MUSDC2%8.76%6.76%
Blend-pools-v2Stellar11.76MUSDC0%7.63%6.66%
Midas-rwaEthereum6.83MUSDC0%6.83%6.64%
Pareto-creditEthereum22.06MUSDC0%6.69%6.62%
Euler-v2Monad5.81MUSDC1.25%7.84%6.57%
Centrifuge-protocolEthereum2.68MUSDT0%3.88%6.55%
Kamino-lendSolana5.71MUSDC0%6.43%6.53%
Midas-rwaEthereum26.25MUSDC0%8.01%6.48%
Kamino-lendSolana1.95MUSDC0%4.67%6.43%
Harvest-financeBase1.06MUSDC0%7.31%6.38%
Rhea-lendNear2.06MUSDT0%8.39%6.38%
Aave-v3Avalanche4.82MUSDC0%4.97%6.38%
Loopscale-lendingSolana3.16MUSDC0%6.99%6.35%
Harvest-financeEthereum1.18MUSDC0%7.47%6.25%
Midas-rwaBase51.54MUSDC0%2.66%6.2%
Midas-rwaRobinhood Chain36.04MUSDC0%2.71%6.2%
Fusion-by-iporEthereum1.28MUSDC0%6.26%6.13%
Midas-rwaEthereum34.06MUSDC0%6.67%6.1%
Rhea-lendNear1.97MUSDC0%7.36%6.06%
Harmonix-financeHyperliquid L118.95MUSDC0%6.76%6.04%
Fluid-lendingArbitrum55.97MUSDC0%4.22%5.48%
MapleEthereum660.56MUSDT0%4.81%5.44%
Benqi-lendingAvalanche1.75MUSDC0%5.94%5.44%
AutofinanceEthereum7.64MUSDC1.08%6.17%5.33%
AccountableMonad7.21MUSDC0.5%5.85%5.23%
Alchemix-v3Ethereum7.73MUSDC0%5.45%5.04%
AutofinanceBase3.70MUSDC5.06%10.51%4.96%
Native-credit-poolEthereum1.14MUSDC0%4.93%4.93%
Navi-lendingSui9.61MUSDC0.61%5.16%4.85%
Yearn-financeBase1.53MUSDC0%4.93%4.79%
Storm-tradeTON2.71MUSDT0%5.1%4.77%
Fluid-lendingEthereum128.85MUSDC0%4.5%4.72%
Fluid-lendingEthereum131.02MUSDT0%4.56%4.65%
Lista-lendingBSC1.60MUSDT0%6.37%4.64%
Yo-protocolBase8.12MUSDC0%4.25%4.55%
Yo-protocolEthereum1.35MUSDC0%4.25%4.55%
Fusion-by-iporBase2.57MUSDC0%6.19%4.48%
Centrifuge-protocolBase7.15MUSDC0%3.8%4.46%
Centrifuge-protocolPharos4.56MUSDC0%3.2%4.46%
Centrifuge-protocolBSC1.01MUSDC0%3.2%4.46%
Centrifuge-protocolBSC1.01MUSDC0%3.2%4.46%
Flux-financeEthereum1.96MUSDT0%4.45%4.44%
Midas-rwaEthereum6.44MUSDC0%3.75%4.4%
Midas-rwaEtherlink1.13MUSDC0%3.72%4.4%
SymbiosisEthereum1.22MUSDC0%4.71%4.39%
ExactlyOP Mainnet1.59MUSDC0%4.39%4.38%
Kamino-lendSolana1.46MUSDC0%4.22%4.37%
Kamino-lendSolana11.60MUSDC0%4.57%4.36%
ExactlyOP Mainnet1.59MUSDC0%4.33%4.34%
Ember-protocolEthereum2.04MUSDC0%4.43%4.32%
ExactlyOP Mainnet1.59MUSDC0%4.33%4.32%
ExactlyOP Mainnet1.59MUSDC0%4.27%4.3%
CurvanceMonad3.11MUSDC1.8%5.89%4.29%
TydroInk16.28MUSDC0%4.05%4.28%
ExactlyOP Mainnet1.59MUSDC0%4.19%4.24%
ExactlyOP Mainnet1.59MUSDC0%4.13%4.2%
Yearn-financeEthereum2.39MUSDC0%4.01%4.17%
Kamino-lendSolana1.33MUSDT0%3.36%4.16%
ExactlyOP Mainnet1.59MUSDC0%4.18%4.15%
Flux-financeEthereum1.57MUSDC0%4.01%4.15%
Compound-v3Ethereum37.39MUSDC0%4.67%4.1%
ExactlyOP Mainnet1.59MUSDC0%3.95%4.07%
ExactlyOP Mainnet1.59MUSDC0%0.46%4.02%
Aave-v3Monad16.23MUSDC1.81%6.07%4.01%
Aave-v3Avalanche2.55MUSDT0%4.19%3.97%
Venus-fluxBSC1.54MUSDT0%2.8%3.9%
ExactlyOP Mainnet1.59MUSDC0%2.27%3.84%
Fusion-by-iporBase1.06MUSDC2.05%6.74%3.76%
Yearn-financeEthereum19.50MUSDC0%3.7%3.75%
Aave-v3Base19.75MUSDC0%3.79%3.73%
Hyperlend-pooledHyperliquid L17.72MUSDC0%4.8%3.73%
Aave-v3Ethereum57.59MUSDC1.69%5.68%3.7%
Aave-v3Ethereum180.78MUSDT0%3.62%3.7%
Aave-v3Ethereum63.80MUSDT1.6%5.12%3.7%
Aave-v4Ethereum2.14MUSDT0%4.08%3.64%
Loopscale-lendingSolana1.74MUSDC3.07%9.99%3.62%
Spark-savingsEthereum308.21MUSDC0%3.6%3.6%
Fluid-lendingBase13.24MUSDC5.23%5.9%3.6%
Spark-savingsAvalanche8.64MUSDC0%3.6%3.6%
Spark-savingsEthereum447.43MUSDT0%3.44%3.5%
Midas-rwaEtherlink4.94MUSDC0%5.13%3.45%
Venus-core-poolBSC10.43MUSDC0%3.4%3.42%
Venus-core-poolBSC43.72MUSDT0%2.95%3.42%
Midas-rwaEthereum72.74MUSDC0%3.45%3.4%
Midas-rwaEtherlink1.22MUSDC0%3.45%3.4%
SparklendEthereum15.95MUSDT0%3.4%3.39%
SparklendEthereum4.10MUSDC0%3.42%3.39%
Yearn-financeEthereum1.12MUSDC0%3.42%3.37%
Benqi-lendingAvalanche1.04MUSDT0%3.55%3.34%
Aave-v3BSC1.68MUSDC0%3.32%3.32%
Native-credit-poolEthereum1.87MUSDT0%3.31%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
DolomiteEthereum29.87MUSDC3.89%7.32%3.29%
Aave-v3Ethereum14.40MDAI0%3.12%3.22%
Compound-v3Ethereum17.62MUSDT0%3.04%3.21%
Yearn-financeEthereum5.74MUSDT0%3.31%3.14%
Aave-v3Arbitrum20.27MUSDC0%2.98%3.14%
Kamino-lendSolana1.13MUSDC0%6.17%3.12%
Aave-v3Xlayer1.24MUSDC0%3.01%3.06%
Compound-v3Arbitrum2.35MUSDC0%2.93%3.03%
SaveSolana5.45MUSDC0%3.11%3.01%
Aave-v3OP Mainnet1.49MUSDC0%2.74%2.97%
Lista-lendingBSC2.70MUSDT0%3.33%2.93%
Aave-v3Ethereum1.49MUSDC0%3.23%2.9%
Aave-v3BSC12.53MUSDT0%2.84%2.88%
Yearn-financeEthereum7.30MDAI0%3.07%2.83%
Aave-v3Polygon11.65MUSDC0%3.02%2.83%
SparklendEthereum76.39MDAI0%2.56%2.71%
Lista-lendingBSC1.38MUSDT0%3.14%2.53%
Echelon-marketAptos1.78MUSDC2.66%4.47%2.48%
Compound-v3Arbitrum4.72MUSDT0%2.56%2.45%
Kamino-lendSolana2.04MUSDC0%1.75%2.41%
Spectra-metavaultsBase3.03MUSDC0%2.97%2.33%
Gami-labsBase3.03MUSDC0%2.92%2.33%
CurrentSui20.42MUSDC6.23%8.67%1.96%
SaveSolana2.28MUSDT0%1.83%1.93%
Justlend-v1Tron104.78MUSDT0%2.17%1.72%
Lista-lendingEthereum4.49MUSDC6.08%7.05%1.34%
ExactlyOP Mainnet1.59MUSDC0%0.99%1.14%
Lista-lendingEthereum3.92MUSDT4.61%6.11%0.99%
AcrossEthereum1.12MUSDT2.89%2.65%0.9%
Aave-v4Avalanche6.75MUSDC4.12%5.09%0.48%
TectonicCronos1.35MUSDC0.02%0.55%0.46%
Lista-lendingBSC1.03MUSDC8%4.37%0.36%
Aave-v4Avalanche7.60MUSDT6.02%6.65%0.16%
AcrossEthereum1.10MUSDC4.27%4.55%0.1%
CredixSolana13.41MUSDC0%0.07%0.07%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum695.7M9.28%
Avalanche733.1M3.34%
Base16141.1M7.3%
BSC15124M4.36%
Ethereum692.9B6.38%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon111.7M2.83%
Solana1763M12.12%
TON12.7M4.77%
zkSync Era000%