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 3.71% on Jul 10 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
14/07/2026 20:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Centrifuge-protocolMonad10.04MUSDC0%5.43%19.49%
AccountableMonad45.70MUSDC0.39%12.09%17.6%
AccountableEthereum1.05MUSDC0%14.25%14.25%
AccountableEthereum1.05MUSDC0%14.25%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Harvest-financeBase1.88MUSDC0%16.54%12.97%
AccountableEthereum2.14MUSDC0%10.27%11.66%
Midas-rwaEtherlink4.31MUSDC0%6.93%11%
Pareto-creditEthereum15.17MUSDC0%10.59%10.59%
Midas-rwaEthereum46.63MUSDC0%10.55%10.57%
Midas-rwaMonad2.43MUSDC0%10.55%10.57%
Ember-protocolSui1.09MUSDC0%9.57%10.32%
Midas-rwaEthereum73.76MUSDC0%12.86%10.31%
AccountableMonad8.97MUSDC0.5%9.2%10.07%
AccountableMonad5.21MUSDC0.5%10.45%10%
GoldfinchEthereum36.72MUSDC0%10.12%10%
YieldseekerBase1.89MUSDC0%7.98%9.89%
Ember-protocolSui3.11MUSDC0%9.24%9.82%
Bracket-vaultsEthereum2.82MUSDC0%9.75%9.43%
Pareto-creditEthereum2.13MUSDC0%9.38%9.38%
Midas-rwaEthereum1.98MUSDC0%9.78%9.2%
Lista-lendingBSC1.98MUSDT0.91%6.49%9.11%
Midas-rwaEthereum7.72MUSDC0%8.82%9%
Ember-protocolSui1.36MUSDC0%8.29%8.77%
AccountableEthereum4.05MUSDC9.97%14.86%8.63%
Ember-protocolSui5.78MUSDC0%6.26%8.54%
AvantisBase29.07MUSDC0%9.71%8.54%
Harmonix-financeHyperliquid L120.65MUSDC0%9.33%8.34%
Pareto-creditEthereum153.54MUSDC0%8.31%8.31%
Midas-rwaEthereum29.02MUSDC0%2.61%8.27%
Bitway-earnBSC23.27MUSDT0%9.08%8%
Ember-protocolSui7MUSDC4%12%8%
Midas-rwaEthereum4.54MUSDC0%5.97%7.82%
Blend-pools-v2Stellar11.80MUSDC0%6.83%7.55%
Fusion-by-iporEthereum3.06MUSDC0%6.17%7.38%
Kamino-lendSolana2.95MUSDC0%6.92%7.34%
Pareto-creditEthereum21.81MUSDC0%7.13%7.13%
Midas-rwaEthereum6.64MUSDC0%7.82%7.12%
Midas-rwaEthereum2.50MUSDC0%7.81%7.12%
AccountableMonad1.62MUSDC0.5%7.33%7.03%
Gami-labsStellar15.17MUSDC0%7%7%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Zerobase-cedefiArbitrum7.63MUSDT2%9%7%
Yearn-financeEthereum6.07MUSDC0%5.67%6.95%
Ember-protocolSui1.11MUSDC6.39%12.17%6.84%
Ember-protocolSui1.20MUSDC0%10.68%6.79%
Zerobase-cedefiBSC21.42MUSDT2%8.76%6.76%
Zerobase-cedefiBSC1.94MUSDC2%8.76%6.76%
AutofinanceEthereum8.66MUSDC0.4%6.48%6.53%
Yearn-financeEthereum8.93MUSDC0%5.74%6.49%
Extra-finance-leverage-farmingBase3.44MUSDC0%6.54%6.48%
Harvest-financeEthereum1.17MUSDC0%7.67%6.26%
Centrifuge-protocolMonad4.53MUSDC0%3.3%6.05%
Hyperlend-pooledHyperliquid L110.78MUSDC0%6.35%5.88%
Storm-tradeTON3.62MUSDT0%5.95%5.75%
Fluid-lendingBase8.73MUSDC0%5.57%5.64%
AutofinanceBase5.92MUSDC2.11%7.28%5.58%
SymbiosisTron1.86MUSDT0%6.15%5.56%
Navi-lendingSui5.48MUSDC0.46%5.87%5.38%
Ember-protocolEthereum7.31MUSDC0%12.82%5.34%
Yearn-financeEthereum1.19MUSDC0%4.45%5.16%
AmpleBase4.30MUSDC0%4.5%4.96%
Yearn-financeBase1.76MUSDC0%4.89%4.92%
Fluid-lendingEthereum135.63MUSDC0%6.24%4.91%
Fluid-lendingEthereum9.43MUSDC0%5.69%4.91%
Fluid-lendingArbitrum38.82MUSDC0%5.82%4.82%
Midas-rwaEthereum7.17MUSDC0%3.27%4.81%
Midas-rwaEtherlink1.11MUSDC0%3.27%4.81%
Gains-networkArbitrum6.69MUSDC0%6.23%4.76%
Euler-v2Ethereum7.24MUSDC0%3.28%4.64%
Kamino-lendSolana6.33MUSDC0%4.7%4.49%
Flux-financeEthereum1.90MUSDT0%4.47%4.45%
Yo-protocolBase10.13MUSDC0%4.24%4.31%
Yo-protocolEthereum2.38MUSDC0%4.24%4.31%
Ember-protocolEthereum3.28MUSDC0%9.29%4.3%
ExactlyOP Mainnet1.77MUSDC0%4.19%4.29%
SymbiosisEthereum1.14MUSDC0%6.38%4.29%
Fluid-lendingEthereum142.50MUSDT0%5.69%4.29%
TermmaxEthereum4.91MUSDC0%3.38%4.24%
ExactlyOP Mainnet1.77MUSDC0%4.16%4.21%
ExactlyOP Mainnet1.77MUSDC0%4.1%4.2%
Aave-v3Avalanche2.34MUSDT0%3.61%4.18%
Euler-v2Monad2.19MUSDC2.63%5.73%4.15%
MapleEthereum1BUSDT0%4.09%4.13%
ExactlyOP Mainnet1.77MUSDC0%4.07%4.12%
Benqi-lendingAvalanche3.91MUSDC0%3.76%4.12%
ExactlyOP Mainnet1.77MUSDC0%3.99%4.1%
Lista-lendingBSC6.01MUSDT0%4.61%4.07%
ExactlyOP Mainnet1.77MUSDC0%3.97%4.01%
TermmaxBase1.20MUSDC0%4.06%3.99%
ExactlyOP Mainnet1.77MUSDC0%3.81%3.96%
Moonwell-lendingBase2.53MUSDC0.36%5.28%3.95%
ExactlyOP Mainnet1.77MUSDC0%3.67%3.92%
Midas-rwaEthereum52.75MUSDC0%2.99%3.9%
Midas-rwaEtherlink1.21MUSDC0%2.99%3.9%
Aave-v3Avalanche5.42MUSDC0%3.29%3.89%
ExactlyOP Mainnet1.77MUSDC0%4.02%3.85%
Aave-v3Polygon1.07MDAI0%4.73%3.83%
Jupiter-lendSolana421.25MUSDC0.72%4.79%3.82%
Kamino-lendSolana1.36MUSDT0%3.42%3.74%
Scallop-lendSui1.15MUSDC0%4.57%3.74%
Flux-financeEthereum2.60MUSDC0%3.72%3.72%
Kamino-lendSolana2.01MUSDC0%4.4%3.72%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum353.1M5.53%
Avalanche311.7M4.06%
Base1170.9M6.48%
BSC554.6M6.94%
Ethereum391.8B7.21%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.1M3.83%
Solana5433.9M4.62%
TON13.6M5.75%
zkSync Era000%