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 29 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
31/07/2026 20:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AzuroPolygon1.42MUSDT0%7.77%44.78%
AccountableMonad7.58MUSDC1%32.71%35.77%
AccountableMonad99.88MUSDC0.29%15.45%17.6%
AccountableEthereum3.61MUSDC11.26%18.54%14.05%
Ember-protocolSui1.21MUSDC0%9.43%14.03%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum7.66MUSDC0%12.88%12.9%
AccountableEthereum2.23MUSDC0%11.08%11.59%
Hyperlend-pooledHyperliquid L19.03MUSDC0%7.39%11.54%
Harvest-financeBase1.87MUSDC0%12.67%11.24%
Pareto-creditEthereum15.29MUSDC0%10.59%10.58%
AvantisBase21.14MUSDC0%9.08%10.33%
GoldfinchEthereum35.95MUSDC0%10.11%10.21%
Midas-rwaEthereum70.89MUSDC0%10.84%10.19%
Midas-rwaEthereum8MUSDC0%9.27%10.01%
Ember-protocolEthereum5.60MUSDC0%5.25%9.97%
YieldseekerBase2.04MUSDC0%8.6%9.88%
Ember-protocolEthereum3.25MUSDC0%9.3%9.54%
Nawa-protocolZIGChain3.81MUSDC0%5.22%9.46%
Pareto-creditEthereum2.14MUSDC0%9.38%9.38%
Ember-protocolSui5.73MUSDC0%8.99%9.31%
Bracket-vaultsEthereum2.59MUSDC0%9.4%9.3%
Ember-protocolSui1.07MUSDC0%9.79%8.89%
Ember-protocolSui1.07MUSDC0%9.79%8.89%
Lista-lendingBSC1.85MUSDT0.29%6.54%8.84%
Midas-rwaEthereum7.28MUSDC0%5.17%8.74%
Midas-rwaEtherlink1.12MUSDC0%5.18%8.74%
Midas-rwaEthereum37.38MUSDC0%10.43%8.72%
Euler-v2Monad1.59MUSDC2.64%8.35%8.67%
Ember-protocolSui1.31MUSDC0%8.13%8.49%
Pareto-creditEthereum181.65MUSDC0%8.31%8.31%
Midas-rwaEthereum6.67MUSDC0%7.82%8.16%
Midas-rwaEthereum2.50MUSDC0%7.81%8.16%
Bitway-earnBSC23.47MUSDT0%8%8%
Ember-protocolSui8.04MUSDC4%12%8%
Harvest-financeEthereum1.15MUSDC0%6.33%7.8%
AccountableMonad10.07MUSDC0.5%9.76%7.67%
AccountableMonad1.97MUSDC0.44%7.49%7.52%
Kamino-lendSolana2.92MUSDC0%6.75%7.23%
Yearn-financeEthereum6.18MUSDC0%6.91%7.22%
Midas-rwaEthereum1.73MUSDC0%10.16%7.18%
Pareto-creditEthereum21.87MUSDC0%7.13%7.13%
Harmonix-financeHyperliquid L118.04MUSDC0%8.21%7.02%
Blend-pools-v2Stellar12.93MUSDC0%7.45%7.02%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
Extra-finance-leverage-farmingBase3.39MUSDC0%6.56%6.87%
Zerobase-cedefiBSC20.52MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.03MUSDC2%8.76%6.76%
Ember-protocolEthereum16.94MUSDC0%6.92%6.75%
LoopscaleSolana3.10MUSDC0.24%7.32%6.58%
Ember-protocolSui1.19MUSDC4.61%11.88%6.51%
Yearn-financeEthereum1.18MUSDC0%5.38%6.46%
Yearn-financeEthereum9.25MUSDC0%5.97%6.42%
AutofinanceBase5.28MUSDC2.43%7.66%6.13%
Storm-tradeTON3.50MUSDT0%5.79%5.69%
AutofinanceEthereum8.52MUSDC0.44%6.66%5.4%
Midas-rwaEtherlink4.78MUSDC0%7.9%5.39%
Euler-v2Ethereum6.59MUSDC0%3.92%5.34%
Fluid-lendingBase8.84MUSDC0%5.41%5.28%
Navi-lendingSui5.98MUSDC0.42%5.63%5.25%
Gains-networkArbitrum6.31MUSDC0%6%5.14%
Fusion-by-iporEthereum2.30MUSDC0%5.88%4.99%
Yearn-financeBase1.75MUSDC0%4.98%4.91%
Jupiter-lendSolana418.26MUSDC0.72%4.68%4.86%
Fluid-lendingEthereum152.03MUSDC0%5.42%4.83%
Fluid-lendingEthereum9.04MUSDC0%5.4%4.83%
Centrifuge-protocolAvalanche260.68MUSDC0%4.15%4.8%
Centrifuge-protocolBase50.27MUSDC0%4.15%4.8%
Centrifuge-protocolEthereum5.74MUSDC0%4.15%4.8%
Centrifuge-protocolBase1.54MUSDC0%4.16%4.8%
SymbiosisTron1.46MUSDT0%6.03%4.66%
Fluid-lendingEthereum129.71MUSDT0%4.75%4.65%
LoopscaleSolana2.06MUSDC0%5.7%4.6%
SymbiosisEthereum1.19MUSDC0%4.74%4.57%
Alchemix-v3Ethereum7.72MUSDC0%4.46%4.52%
Fluid-lendingArbitrum38.06MUSDC0%5.44%4.52%
TermmaxBase1.20MUSDC0%3.93%4.52%
DolomiteArbitrum1.38MUSDC0%4.71%4.5%
Centrifuge-protocolMonad4.53MUSDC0%3.97%4.5%
Centrifuge-protocolPharos4.38MUSDC0%3.42%4.5%
Flux-financeEthereum2.05MUSDT0%4.43%4.41%
ExactlyOP Mainnet1.56MUSDC0%4.29%4.34%
MapleEthereum0.91BUSDT0%4.17%4.28%
ExactlyOP Mainnet1.56MUSDC0%4.23%4.27%
Midas-rwaEthereum53.14MUSDC0%3.01%4.25%
Midas-rwaEtherlink1.22MUSDC0%3.01%4.25%
ExactlyOP Mainnet1.56MUSDC0%4.13%4.21%
Benqi-lendingAvalanche3.87MUSDC0%3.84%4.2%
ExactlyOP Mainnet1.56MUSDC0%4.14%4.18%
Aave-v3Ethereum8.49MDAI0%3.74%4.17%
Yo-protocolBase9.94MUSDC0%4.16%4.17%
Yo-protocolEthereum2.28MUSDC0%4.16%4.17%
Aave-v3Avalanche5.20MUSDC0%3.55%4.16%
ExactlyOP Mainnet1.56MUSDC0%3.99%4.13%
Kamino-lendSolana8.64MUSDC0%4.68%4.13%
Kamino-lendSolana12.64MUSDC0%4.22%4.1%
ExactlyOP Mainnet1.56MUSDC0%4.03%4.08%
ExactlyOP Mainnet1.56MUSDC0%4.2%4.01%
Lista-lendingBSC6.23MUSDT0%4.89%3.99%
Moonwell-lendingBase2.39MUSDC0.3%4.55%3.95%
ExactlyOP Mainnet1.56MUSDC0%2.98%3.94%
ExactlyOP Mainnet1.56MUSDC0%3.94%3.93%
Kamino-lendSolana1.24MUSDT0%3.72%3.81%
TermmaxEthereum4.40MUSDC0%3.63%3.78%
Midas-rwaEthereum4.55MUSDC0%6.38%3.78%
AmpleBase4.32MUSDC0%4.2%3.76%
Flux-financeEthereum2.59MUSDC0%3.72%3.72%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum453.4M5.29%
Avalanche3269.7M4.39%
Base13114M6.2%
BSC554.1M6.87%
Ethereum411.8B7.13%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.4M44.78%
Solana7448.9M5.04%
TON13.5M5.69%
zkSync Era000%