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 20 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
24/02/2026 21:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Euler-v2Avalanche2.96MUSDT0%31.01%31.01%
Bracket-vaultsEthereum3.29MUSDC0%14.42%13.62%
AbyssSui1.58MUSDC0%8.9%12.89%
AcrossEthereum1.10MDAI0.4%8.11%11.29%
Gains-networkArbitrum12.19MUSDC0%10.95%10.47%
AvantisBase90.02MUSDC0%11.17%10.15%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
Blend-pools-v2Stellar9.45MUSDC0%11.09%9.63%
Ipor-fusionEthereum3.71MUSDT0%6.72%8.85%
Ipor-fusionBase1.70MUSDC0%6.1%8.43%
Woofi-earnArbitrum1.20MUSDC0%7.1%7.06%
Yo-protocolBase28.71MUSDC14%18.53%6.67%
Lazy-summer-protocolEthereum4.78MUSDC0.59%3.72%6.42%
AutofinanceEthereum19.86MUSDC0.33%7.84%6.28%
Harvest-financeBase4.20MUSDC0%6.26%6.17%
LoopscaleSolana1.95MUSDC1.19%7.19%6.1%
DeltaprimeAvalanche1.15MUSDC0%6.39%6.04%
Euler-v2Avalanche5.48MUSDC0%6.44%5.84%
Euler-v2Avalanche1.10MUSDC0%7.17%5.84%
Harmonix-financeArbitrum1.13MUSDC0%5.51%5.66%
WasabiBase6.41MUSDC0%6.11%5.64%
Hyperlend-pooledHyperliquid L115.69MUSDC0%6.15%5.47%
LiqwidCardano2.35MUSDC1.58%9.39%5.13%
Extra-finance-leverage-farmingBase4.02MUSDC0%4.96%4.94%
Scallop-lendSui1.79MUSDC0%5.27%4.91%
WasabiSolana1.66MUSDC0%7.17%4.9%
Gains-networkBase2.13MUSDC0%8.31%4.73%
Silo-v2Avalanche1.30MUSDC0%7.96%4.73%
Flux-financeEthereum1.62MUSDT0%4.62%4.62%
AutofinanceBase17.51MUSDC1.59%6.77%4.42%
Yearn-financeEthereum7.30MUSDT0%4.52%4.37%
Echelon-marketAptos8.71MUSDC0%4.88%4.36%
NeverlandMonad4.62MUSDC7.76%12.7%4.35%
Euler-v2Ethereum40.12MUSDC0%4.91%4.35%
MapleEthereum1.33BUSDT0%4.33%4.34%
Ipor-fusionEthereum5.96MUSDC0%3.82%4.32%
DolomiteEthereum12.44MUSDC0%4.63%4.26%
ExactlyOptimism1.68MUSDC0%4.23%4.25%
AutofinanceArbitrum1.44MUSDC1.65%6.28%4.23%
Folks-finance-lendingAlgorand1.59MUSDC0%4.13%4.22%
Flux-financeEthereum1.45MUSDC0%4.18%4.19%
ExactlyOptimism1.68MUSDC0%3.92%4.16%
ExactlyOptimism1.68MUSDC0%4.08%4.13%
Benqi-lendingAvalanche2.06MUSDT0%3.66%4.1%
Folks-finance-xchainAvalanche1.05MUSDC0%5.01%4.07%
Folks-finance-xchainAvalanche1.05MUSDC0%5.01%4.07%
ExactlyOptimism1.68MUSDC0%4.01%4.05%
Spark-savingsAvalanche151.98MUSDC0%4%4%
Spark-savingsEthereum238.14MUSDC0%4%4%
Yearn-financeEthereum2.38MUSDC0%6.02%3.98%
ExactlyOptimism1.68MUSDC0%3.89%3.95%
ExactlyOptimism1.68MUSDC0%4.18%3.95%
Folks-finance-xchainPolygon2.34MUSDT0%3.9%3.84%
Lazy-summer-protocolEthereum16.52MUSDC0.52%4.15%3.82%
Yearn-financeEthereum12.55MDAI0%4.33%3.77%
Yearn-financeEthereum1.11MUSDC0%4.13%3.74%
ExactlyOptimism1.68MUSDC0%3.11%3.72%
AutofinanceEthereum5.01MUSDC0%5.14%3.67%
ExactlyOptimism1.68MUSDC0%3.82%3.66%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum416M6.86%
Avalanche9168.1M7.74%
Base8154.7M6.39%
BSC000%
Ethereum191.7B5.78%
Hyperliquid000%
Mantle000%
Optimism813.4M3.98%
Polygon12.3M3.84%
Solana23.6M5.5%
TON000%
zkSync Era000%