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 3.61% on Feb 11 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
13/02/2026 00:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bracket-vaultsEthereum3.30MUSDC0%15.01%14.18%
AvantisBase88.31MUSDC0%11.32%12.81%
Blend-pools-v2Stellar1.60MUSDC0.68%13.83%11.5%
Ipor-fusionEthereum6.10MUSDC0%5.78%10.43%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
Blend-pools-v2Stellar8.71MUSDC0%11.49%9.53%
Harvest-financeBase3.05MUSDC0%6.13%8.18%
AutofinanceEthereum18.04MUSDC0.3%8.86%7.81%
Woofi-earnArbitrum1.20MUSDC0%7.09%7.04%
AcrossEthereum1.38MDAI0.36%7.71%6.94%
Ipor-fusionEthereum3.90MUSDT0%7.47%6.36%
DeltaprimeAvalanche1.32MUSDC0%6.66%6.33%
SymbiosisEthereum1.21MUSDC0%6.09%6.32%
Euler-v2Avalanche1.16MUSDC0%8.29%6.13%
LoopscaleSolana1.10MUSDC1.91%7.99%6.12%
LoopscaleSolana3.51MUSDC0.67%7.87%5.82%
SymbiosisTron1.14MUSDT0%4.85%5.8%
Yearn-financeEthereum1.36MUSDC0%5.4%5.77%
WasabiSolana1.73MUSDC0%8.26%5.63%
Yo-protocolBase28.96MUSDC14%13.85%5.52%
Echelon-marketAptos6.56MUSDC0%4.84%5.51%
Harmonix-financeArbitrum1.19MUSDC0%5.3%5.34%
WasabiBase7.93MUSDC0%6.95%5.32%
Scallop-lendSui1.79MUSDC0%5.56%5.21%
Hyperlend-pooledHyperliquid14.84MUSDC0%5.93%5.19%
Euler-v2Ethereum40.55MUSDC0%4.84%5.18%
Silo-v2Avalanche1.37MUSDC0%8.17%5.15%
DolomiteEthereum8.54MUSDC0%4.58%5.11%
AutofinanceBase17.99MUSDC1.45%7.44%5.07%
Ipor-fusionBase1.83MUSDC0%7.19%4.98%
VesperEthereum2.56MUSDC0%4.55%4.86%
Flux-financeEthereum1.61MUSDT0%4.61%4.63%
Yearn-financeEthereum7.33MUSDT0%4.72%4.44%
ExactlyOptimism1.76MUSDC0%4.39%4.37%
Navi-lendingSui8.92MUSDC0.77%5.31%4.32%
ExactlyOptimism1.76MUSDC0%4.21%4.24%
ExactlyOptimism1.76MUSDC0%4.21%4.23%
Gains-networkArbitrum12.93MUSDC0%10.68%4.22%
Flux-financeEthereum1.44MUSDC0%4.16%4.19%
ExactlyOptimism1.76MUSDC0%3.65%4.14%
Euler-v2Arbitrum1.18MUSDC0%6.57%4.13%
Yearn-financeEthereum7.57MUSDT0%4.42%4.13%
AutofinanceArbitrum1.34MUSDC1.66%6.49%4.12%
ExactlyOptimism1.76MUSDC0%4.03%4.1%
ExactlyOptimism1.76MUSDC0%3.97%4.03%
Extra-finance-leverage-farmingBase4.44MUSDC0%5.73%4%
Spark-savingsAvalanche129.05MUSDC0%4%4%
Spark-savingsEthereum206.79MUSDC0%4%4%
Yearn-financeEthereum33.23MUSDC0%4.66%4%
LiqwidCardano2.92MUSDC1.58%12.04%3.97%
Folks-finance-lendingAlgorand1.83MUSDC0%4.26%3.97%
MapleEthereum1.27BUSDT0%4.66%3.95%
Euler-v2Ethereum34.83MUSDC0%4.71%3.94%
ExactlyOptimism1.76MUSDC0%3.82%3.93%
Gains-networkBase2.37MUSDC0%10.4%3.9%
ExactlyOptimism1.76MUSDC0%3.87%3.9%
Folks-finance-xchainPolygon2.29MUSDT0%5.56%3.88%
AutofinanceEthereum5MUSDC0%6.22%3.86%
ExactlyOptimism1.76MUSDC0%3.02%3.8%
SparklendEthereum8.15MUSDC0%3.65%3.77%
Ipor-fusionBase1.06MUSDC0%4.53%3.74%
Yearn-financeEthereum12.69MDAI0%4.52%3.68%
Harvest-financeBase1.06MUSDC0%4.8%3.67%
Harvest-financeBase1.06MUSDC0%4.8%3.67%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum517.8M4.97%
Avalanche4132.9M5.4%
Base11158.1M5.53%
BSC000%
Ethereum221.7B5.8%
Hyperliquid114.8M5.19%
Mantle000%
Optimism915.8M4.08%
Polygon12.3M3.88%
Solana36.3M5.86%
TON000%
zkSync Era000%