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 3.60% on Feb 09 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
11/02/2026 21:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bracket-vaultsEthereum3.30MUSDC0%15.06%14.24%
AvantisBase88.16MUSDC0%11.36%12.42%
Blend-pools-v2Stellar1.49MUSDC0.71%13.94%11.79%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
Blend-pools-v2Stellar8.54MUSDC0%11.62%9.65%
Storm-tradeTon5.52MUSDT0%9.8%8.27%
SymbiosisEthereum1.16MUSDC0%6.01%7.82%
AutofinanceEthereum17.19MUSDC0.36%8.9%7.81%
Woofi-earnArbitrum1.20MUSDC0%7.09%7.04%
AcrossEthereum1.38MDAI0.35%7.51%6.93%
LiqwidCardano2.50MUSDC1.58%12.28%6.88%
DeltaprimeAvalanche1.28MUSDC0%6.67%6.82%
AccountableMonad1.12MUSDC3%14.98%6.79%
Gains-networkArbitrum12.95MUSDC0%10.62%6.79%
Yearn-financeEthereum1.36MUSDC0%5.36%6.41%
Ipor-fusionEthereum3.90MUSDT0%7.65%6.31%
SymbiosisTron1.71MUSDT0%4.77%6.27%
LoopscaleSolana1.06MUSDC2.02%8.05%6.17%
LoopscaleSolana1.06MUSDC2.02%8.05%6.17%
WasabiBase7.11MUSDC0%7.07%6.16%
WasabiSolana1.72MUSDC0%8.49%5.83%
LoopscaleSolana4.18MUSDC0.66%7.98%5.59%
VesperEthereum2.37MUSDC0%4.53%5.57%
Silo-v2Avalanche1.41MUSDC0%8.38%5.55%
Harmonix-financeArbitrum1.21MUSDC0%5.28%5.51%
Yo-protocolBase29.22MUSDC28%13.34%5.44%
Echelon-marketAptos6.91MUSDC0%4.83%5.41%
Ipor-fusionBase1.83MUSDC0%7.26%5.32%
Euler-v2Ethereum39.89MUSDC0%4.81%5.24%
Scallop-lendSui1.79MUSDC0%5.58%5.21%
Hyperlend-pooledHyperliquid14.68MUSDC0%5.95%5.19%
Harvest-financeBase3.02MUSDC0%6.1%5.17%
AutofinanceBase17.98MUSDC1.7%7.49%5.11%
Gains-networkBase2.37MUSDC0%10.54%5.09%
NeverlandMonad2.71MUSDC8.56%13.88%4.88%
Flux-financeEthereum1.61MUSDT0%4.6%4.63%
DolomiteEthereum8.83MUSDC0%4.54%4.56%
ExactlyOptimism1.78MUSDC0%4.39%4.37%
Yearn-financeEthereum7.33MUSDT0%4.75%4.37%
ExactlyOptimism1.78MUSDC0%4.21%4.24%
ExactlyOptimism1.78MUSDC0%4.2%4.23%
Navi-lendingSui9.49MUSDC0.73%5.35%4.21%
Lazy-summer-protocolEthereum16.31MUSDC0.59%4.56%4.21%
Flux-financeEthereum1.44MUSDC0%4.16%4.19%
Yearn-financeEthereum7.57MUSDT0%4.47%4.14%
ExactlyOptimism1.78MUSDC0%3.63%4.14%
ExactlyOptimism1.78MUSDC0%4.03%4.1%
Euler-v2Ethereum33.23MUSDC0%4.73%4.1%
Yearn-financeEthereum33.21MUSDC0%4.67%4.09%
ExactlyOptimism1.78MUSDC0%3.96%4.03%
Spark-savingsAvalanche130.64MUSDC0%4%4%
Spark-savingsEthereum177.69MUSDC0%4%4%
MapleEthereum1.28BUSDT0%4.68%3.98%
Folks-finance-lendingAlgorand1.85MUSDC0%4.26%3.97%
ExactlyOptimism1.78MUSDC0%3.81%3.92%
ExactlyOptimism1.78MUSDC0%3.87%3.9%
Folks-finance-xchainPolygon2.28MUSDT0%5.69%3.89%
AutofinanceArbitrum1.34MUSDC2.01%6.49%3.87%
SparklendEthereum7.93MUSDC0%3.67%3.82%
ExactlyOptimism1.78MUSDC0%3.05%3.8%
Aave-v3Ethereum10.23MUSDC0%3.73%3.75%
Spark-savingsEthereum267.64MUSDT0%3.98%3.75%
Yearn-financeEthereum12.72MDAI0%4.54%3.69%
Extra-finance-leverage-farmingBase4.86MUSDC0.14%5.86%3.62%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum416.7M5.8%
Avalanche3133.3M5.46%
Base8154.5M6.04%
BSC000%
Ethereum232B5.55%
Hyperliquid114.7M5.19%
Mantle000%
Optimism916M4.08%
Polygon12.3M3.89%
Solana48M5.94%
TON15.5M8.27%
zkSync Era000%