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 3.70% on Jul 16 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
20/07/2026 20:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableMonad5.01MUSDC0.73%41.66%40.21%
AccountableMonad78.23MUSDC0.23%13.28%17.6%
AccountableEthereum1.05MUSDC0%14.25%14.25%
AccountableEthereum1.05MUSDC0%14.25%14.25%
Harvest-financeBase1.87MUSDC0%13.96%13.65%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum8.80MUSDC0%12.84%12.9%
Midas-rwaEthereum1.98MUSDC0%10.23%12.76%
AccountableEthereum2.15MUSDC0%10.78%11.66%
Ember-protocolSui1.09MUSDC0%9.7%11.27%
Pareto-creditEthereum15.17MUSDC0%10.59%10.59%
Midas-rwaEthereum46.92MUSDC0%10.56%10.57%
Midas-rwaMonad1.88MUSDC0%10.56%10.57%
Midas-rwaEthereum73.81MUSDC0%12.23%10.39%
Hyperlend-pooledHyperliquid L18.92MUSDC0%6.81%10.29%
AccountableMonad5.21MUSDC0.5%10.48%10%
GoldfinchEthereum36.72MUSDC0%10.1%10%
AccountableMonad10.05MUSDC0.47%9.65%9.91%
Pareto-creditEthereum2.13MUSDC0%9.38%9.38%
Bracket-vaultsEthereum2.65MUSDC0%9.59%9.32%
Ember-protocolEthereum3.30MUSDC0%9.11%9.21%
AvantisBase21.59MUSDC0%9.69%9.18%
Midas-rwaEthereum7.58MUSDC0%8.82%9.17%
Midas-rwaEtherlink4.67MUSDC0%7.59%8.94%
Ember-protocolSui1.36MUSDC0%8.28%8.61%
Midas-rwaEthereum2.50MUSDC0%7.81%8.37%
Midas-rwaEthereum6.65MUSDC0%7.82%8.37%
Pareto-creditEthereum159.66MUSDC0%8.31%8.31%
Midas-rwaEthereum29.02MUSDC0%3.99%8.27%
Ember-protocolEthereum16.91MUSDC0%8.13%8.13%
Bitway-earnBSC23.30MUSDT0%8.68%8%
Ember-protocolSui7MUSDC4%12%8%
Ember-protocolSui3.53MUSDC0%8.91%7.92%
Harmonix-financeHyperliquid L121.11MUSDC0%8.94%7.83%
Midas-rwaEthereum4.54MUSDC0%6.43%7.82%
Ember-protocolSui1.20MUSDC0%10.2%7.75%
Euler-v2Monad2.10MUSDC0%6.34%7.74%
Lista-lendingBSC1.90MUSDT0.52%6.53%7.68%
Blend-pools-v2Stellar12.01MUSDC0%7.1%7.35%
Pareto-creditEthereum21.81MUSDC0%7.13%7.13%
AccountableMonad1.62MUSDC0.5%7.37%7.03%
Yearn-financeEthereum6.17MUSDC0%6.05%7.02%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
Gami-labsStellar16.61MUSDC0%7%7%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Zerobase-cedefiBSC1.98MUSDC2%8.76%6.76%
Zerobase-cedefiBSC21.41MUSDT2%8.76%6.76%
YieldseekerBase1.95MUSDC0%8.29%6.66%
LoopscaleSolana2.77MUSDC0.22%7.72%6.57%
AutofinanceEthereum8.73MUSDC0.42%6.61%6.53%
Extra-finance-leverage-farmingBase3.45MUSDC0%6.32%6.53%
Gains-networkArbitrum6.79MUSDC0%5.67%6.5%
Yearn-financeEthereum9.17MUSDC0%6%6.13%
Harvest-financeEthereum1.17MUSDC0%7.81%6.11%
Kamino-lendSolana5.42MUSDC0%7.02%6.1%
Yearn-financeEthereum1.19MUSDC0%4.77%5.85%
Storm-tradeTON3.60MUSDT0%5.91%5.75%
Ember-protocolSui1.10MUSDC6.64%11.53%5.66%
Lista-lendingBSC6.18MUSDT0%4.74%5.5%
AutofinanceBase5.83MUSDC2.22%7.22%5.29%
Fluid-lendingEthereum140.96MUSDC0%6.01%5.28%
Fluid-lendingEthereum9.08MUSDC0%5.67%5.28%
Fluid-lendingBase8.68MUSDC0%5.45%5.23%
Fusion-by-iporEthereum2.70MUSDC0%6.23%5.22%
Ember-protocolSui5.75MUSDC0%5.87%5.22%
LoopscaleSolana1.29MUSDC0%6.01%5.08%
SymbiosisTron1.34MUSDT0%6.12%5.03%
Lista-lendingBSC6.29MUSDT0%4.45%5%
Yearn-financeBase1.78MUSDC0%4.94%4.99%
Fluid-lendingArbitrum36.47MUSDC0%5.75%4.98%
Navi-lendingSui7.01MUSDC0.43%5.74%4.97%
DolomiteArbitrum1.19MUSDC0%4.54%4.94%
Kamino-lendSolana5.51MUSDC0%4.73%4.6%
Flux-financeEthereum2.05MUSDT0%4.45%4.41%
ExactlyOP Mainnet1.76MUSDC0%4.22%4.33%
ExactlyOP Mainnet1.76MUSDC0%4.18%4.26%
ExactlyOP Mainnet1.76MUSDC0%4.14%4.24%
MapleEthereum0.93BUSDT0%4.06%4.23%
Aave-v3Ethereum8.50MDAI0%4.44%4.21%
ExactlyOP Mainnet1.76MUSDC0%4.04%4.18%
ExactlyOP Mainnet1.76MUSDC0%4.1%4.17%
Centrifuge-protocolMonad10.05MUSDC0%4.98%4.15%
Centrifuge-protocolPlume Mainnet33MUSDC0%4.81%4.15%
Compound-v3Ethereum32.49MUSDC0.1%3.31%4.13%
Fluid-lendingEthereum138.14MUSDT0%5.53%4.1%
ExactlyOP Mainnet1.76MUSDC0%3.87%4.08%
Moonwell-lendingBase2.17MUSDC0.35%5.06%4.07%
ExactlyOP Mainnet1.76MUSDC0%3.99%4.05%
Yo-protocolEthereum2.38MUSDC0%4.13%4.05%
Yo-protocolBase10.11MUSDC0%4.13%4.05%
ExactlyOP Mainnet1.76MUSDC0%3.64%3.98%
AmpleBase4.31MUSDC0%4.38%3.86%
TermmaxBase1.20MUSDC0%3.9%3.85%
Scallop-lendSui1.10MUSDC0%4.26%3.84%
Benqi-lendingAvalanche4.53MUSDC0%3.76%3.84%
Ember-protocolSui1.19MUSDC0%3.09%3.82%
Native-credit-poolEthereum6.11MUSDC0%3.64%3.81%
ExactlyOP Mainnet1.76MUSDC0%3.96%3.8%
Flux-financeEthereum2.59MUSDC0%3.72%3.72%
Kamino-lendSolana1.37MUSDT0%3.54%3.71%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum452.1M5.86%
Avalanche14.5M3.84%
Base1162.9M6.12%
BSC661.1M6.62%
Ethereum371.8B7.78%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon000%
Solana516.4M5.21%
TON13.6M5.75%
zkSync Era000%