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 % on ). 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
01/10/2026 22:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Neutral-tradeSolana2.25MUSDC0%36.12%63.22%
Gains-networkArbitrum4.52MUSDC0%36.03%41.99%
Harvest-financeBase1.84MUSDC0%46.99%32.61%
AccountableEthereum2.45MUSDC11.4%37.81%18.69%
VerantaBase9.53MUSDC0%17.71%18.26%
AccountableMonad7.50MUSDC1.52%16.37%16.42%
EnsuroEthereum1.31MUSDC0%20.92%16.3%
Ember-protocolSui8.46MUSDC0%6.04%16.25%
Neutral-tradeSolana4.22MUSDC0%11.68%14.94%
Ember-protocolEthereum5.51MUSDC0%10.84%14.5%
AccountableEthereum1.05MUSDC0.75%14.85%14.25%
Ember-protocolEthereum1.64MUSDC0%21.29%12.93%
Ember-protocolEthereum2.61MUSDC0%12.97%12.9%
AccountableEthereum11.12MUSDC0%12.47%12.13%
AccountableMonad5.44MUSDC0.5%12.1%11.64%
AccountableMonad74.99MUSDC0.46%11.69%11.4%
AccountableEthereum3.37MUSDC0%12.02%10.97%
Pareto-creditEthereum11.10MUSDC0%10.59%10.59%
Neutral-tradeSolana2.46MUSDC0%14.34%10.29%
Ember-protocolSui9.22MUSDC0%10.14%10.01%
AguaEthereum7.48MUSDC0%10%10%
Ember-protocolEthereum3.70MUSDC0%9.6%9.54%
Pareto-creditEthereum1.98MUSDC0%9.38%9.38%
Benqi-lendingAvalanche1.34MUSDC0%5.89%9.34%
Midas-rwaEthereum31.26MUSDC0%6.55%8.76%
Neutral-tradeSolana1.38MUSDC0%9.52%8.54%
Nawa-protocolZIGChain3.44MUSDC0%8.82%8.11%
Pareto-creditEthereum122.67MUSDC0%7.82%8.06%
Bitway-earnBSC20.95MUSDT0%8%8%
Ember-protocolSui8.86MUSDC4%12%8%
Ember-protocolEthereum17.74MUSDC0%11.75%7.93%
Midas-rwaEthereum1.71MUSDC0%8.3%7.92%
Midas-rwaEthereum3.24MUSDC0%6.98%7.84%
Midas-rwaEthereum2.53MUSDC0%6.99%7.84%
Sentora-curatorEthereum94.35MUSDC0%7.39%7.71%
Yearn-financeEthereum11.95MUSDC0%6.62%7.55%
Midas-rwaEthereum65.71MUSDC0%7.54%7.52%
Bitway-earnBSC6.57MUSDT0%7.5%7.5%
AccountableMonad2.32MUSDC0.5%7.32%7.03%
Zerobase-cedefiEthereum14.07MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.62MUSDT2%9%7%
Euler-v2Monad5.79MUSDC1.25%7.9%6.8%
Zerobase-cedefiBSC17.98MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.18MUSDC2%8.76%6.76%
Yearn-financeEthereum7.59MUSDC0%6.85%6.7%
SymbioticEthereum1.01MUSDC0%6.16%6.68%
SymbioticEthereum1.01MUSDC0%6.16%6.68%
Extra-finance-leverage-farmingBase3.49MUSDC0%6.28%6.67%
Pareto-creditEthereum22.06MUSDC0%6.71%6.62%
Blend-pools-v2Stellar12.10MUSDC0%7.62%6.61%
Midas-rwaEthereum26.25MUSDC0%7.81%6.48%
Fusion-by-iporEthereum1.28MUSDC0%6.26%6.47%
Loopscale-lendingSolana3.01MUSDC0.34%7.01%6.39%
Compound-v3Ethereum34.45MUSDC0%4.63%6.28%
Kamino-lendSolana6.42MUSDC0%6.55%6.27%
Fluid-lendingArbitrum55.61MUSDC0%4.13%6.25%
Aave-v3Avalanche4.97MUSDC0%4.89%6.22%
Midas-rwaBase51.54MUSDC0%2.43%6.2%
Midas-rwaRobinhood Chain36.04MUSDC0%2.48%6.2%
Harvest-financeEthereum1.16MUSDC0%7.59%6.17%
Harvest-financeBase1.06MUSDC0%7.34%6.11%
Harmonix-financeHyperliquid L118.73MUSDC0%6.79%6.11%
Midas-rwaEthereum34.06MUSDC0%6.7%6.1%
Rhea-lendNear2.13MUSDT0%8.6%5.88%
Kamino-lendSolana1.13MUSDC0%5%5.53%
Loopscale-lendingSolana2.53MUSDC0.44%6.5%5.51%
MapleEthereum643.06MUSDT0%4.78%5.28%
AccountableMonad7.21MUSDC0.5%5.89%5.23%
Lista-lendingBSC1.51MUSDT0%6.45%5.19%
Fluid-lendingEthereum130.59MUSDC0%4.54%5.14%
Centrifuge-protocolEthereum2.28MUSDT0%3.72%5.1%
Alchemix-v3Ethereum7.81MUSDC0%5.47%5.08%
AutofinanceEthereum7.63MUSDC1.08%6.16%5.07%
Kamino-lendSolana3.43MUSDC0%4.74%4.96%
Native-credit-poolEthereum1.09MUSDC0%4.93%4.93%
AutofinanceBase3.70MUSDC5.15%10.41%4.89%
Storm-tradeTON2.71MUSDT0%5.13%4.81%
Yearn-financeBase1.53MUSDC0%4.94%4.73%
Midas-rwaEthereum7.39MUSDC0%6.91%4.73%
Navi-lendingSui10.60MUSDC0.61%5.16%4.63%
DolomiteArbitrum1.26MUSDC0%4.2%4.6%
TydroInk13.94MUSDC0%4.04%4.44%
Flux-financeEthereum1.95MUSDT0%4.45%4.44%
Rhea-lendNear2.18MUSDC0%7.7%4.44%
Midas-rwaEthereum6.44MUSDC0%3.8%4.4%
Midas-rwaEtherlink1.13MUSDC0%3.77%4.4%
ExactlyOP Mainnet1.62MUSDC0%4.39%4.38%
Kamino-lendSolana1.46MUSDC0%4.26%4.37%
Kamino-lendSolana11.55MUSDC0%4.61%4.37%
Ember-protocolEthereum2.04MUSDC0%4.41%4.36%
ExactlyOP Mainnet1.62MUSDC0%4.33%4.34%
ExactlyOP Mainnet1.62MUSDC0%4.33%4.32%
Fusion-by-iporBase2.98MUSDC0%6.34%4.31%
ExactlyOP Mainnet1.62MUSDC0%4.27%4.3%
CurvanceMonad3.16MUSDC1.8%5.85%4.28%
ExactlyOP Mainnet1.62MUSDC0%4.19%4.23%
Aave-v3Base17.23MUSDC0%3.79%4.21%
ExactlyOP Mainnet1.62MUSDC0%4.13%4.19%
ExactlyOP Mainnet1.62MUSDC0%4.18%4.16%
Flux-financeEthereum1.57MUSDC0%3.99%4.15%
Yearn-financeEthereum2.39MUSDC0%3.99%4.15%
Aave-v3Monad13.75MUSDC1.71%6.05%4.1%
Fluid-lendingEthereum130.47MUSDT0%4.55%4.09%
Aave-v4Ethereum3.24MUSDC0%4.8%4.09%
ExactlyOP Mainnet1.62MUSDC0%3.94%4.08%
Centrifuge-protocolBase7.15MUSDC0%3.74%4%
Centrifuge-protocolPharos4.55MUSDC0%3.16%4%
Centrifuge-protocolBSC1.01MUSDC0%3.15%4%
Aave-v3Avalanche2.57MUSDT0%4.18%3.91%
Yo-protocolBase8.12MUSDC0%4.24%3.88%
Yo-protocolEthereum1.35MUSDC0%4.24%3.88%
Kamino-lendSolana1.74MUSDT0%3.37%3.83%
ExactlyOP Mainnet1.62MUSDC0%2.1%3.82%
Fluid-lendingBase13.09MUSDC5.85%5.74%3.81%
Fusion-by-iporBase1.06MUSDC1.85%6.78%3.76%
Aave-v3Ethereum149.97MUSDC0%4.09%3.71%
Aave-v3Ethereum57.69MUSDC1.69%5.67%3.71%
Yearn-financeEthereum19.57MUSDC0%3.7%3.7%
Hyperlend-pooledHyperliquid L18.22MUSDC0%4.84%3.69%
Aave-v3Ethereum182.35MUSDT0%3.61%3.69%
Aave-v3Ethereum63.85MUSDT1.6%5.1%3.69%
SymbiosisEthereum1.13MUSDC0%4.72%3.66%
Aave-v4Ethereum2.14MUSDT0%4.07%3.64%
Spark-savingsEthereum307.61MUSDC0%3.6%3.6%
Spark-savingsAvalanche8.68MUSDC0%3.6%3.6%
Spark-savingsEthereum447MUSDT0%3.43%3.5%
Midas-rwaEtherlink4.94MUSDC0%5.37%3.45%
Midas-rwaEthereum72.72MUSDC0%3.45%3.42%
Midas-rwaEtherlink1.22MUSDC0%3.45%3.42%
SparklendEthereum4.07MUSDC0%3.42%3.39%
Venus-core-poolBSC45.04MUSDT0%2.92%3.35%
SparklendEthereum15.95MUSDT0%3.38%3.35%
Aave-v3BSC1.64MUSDC0%3.3%3.35%
DolomiteEthereum29.23MUSDC4.06%7.32%3.33%
Yearn-financeEthereum1.12MUSDC0%3.42%3.33%
Native-credit-poolEthereum1.87MUSDT0%3.31%3.31%
Benqi-lendingAvalanche1.06MUSDT0%3.58%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Yearn-financeEthereum5.74MUSDT0%3.31%3.25%
Aave-v3Ethereum14.70MDAI0%3.11%3.21%
Venus-core-poolBSC11.53MUSDC0%3.37%3.19%
Compound-v3Ethereum19.32MUSDT0%3.03%3.18%
Aave-v3Arbitrum23.23MUSDC0%2.95%3.06%
Compound-v3Arbitrum2.34MUSDC0%2.92%3.03%
Aave-v3OP Mainnet1.46MUSDC0%2.71%2.99%
Aave-v3BSC11.59MUSDT0%2.82%2.98%
SaveSolana5.68MUSDC0%3.1%2.92%
Lista-lendingBSC2.70MUSDT0%3.28%2.88%
Aave-v3Polygon11.60MUSDC0%3.02%2.85%
Spectra-metavaultsBase3.03MUSDC0%2.96%2.82%
Gami-labsBase3.03MUSDC0%2.91%2.82%
Yearn-financeEthereum7.32MDAI0%3.09%2.82%
SparklendEthereum85.80MDAI0%2.54%2.71%
Venus-fluxBSC1.58MUSDT0%2.78%2.52%
Lista-lendingBSC1.38MUSDT0%3.12%2.49%
Compound-v3Arbitrum4.76MUSDT0%2.57%2.44%
Kamino-lendSolana2.09MUSDC0%1.73%2.37%
SaveSolana2.29MUSDT0%1.83%1.9%
CurrentSui21.21MUSDC6.26%8.74%1.89%
Justlend-v1Tron101.56MUSDT0%2.2%1.77%
Aave-v4Ethereum1.11MUSDC0%3.02%1.67%
Lista-lendingEthereum4.45MUSDC6.14%7.06%1.35%
Echelon-marketAptos1.89MUSDC4.16%4.4%1.14%
ExactlyOP Mainnet1.62MUSDC0%0.98%1.11%
Lista-lendingEthereum4.07MUSDT4.44%6.14%0.96%
AcrossEthereum1.12MUSDT2.96%2.52%0.86%
Aave-v4Avalanche6.20MUSDC3.86%5.16%0.74%
TectonicCronos1.35MUSDC0.03%0.53%0.47%
Aave-v4Avalanche8.08MUSDT6.09%6.65%0.08%
CredixSolana13.41MUSDC0%0.07%0.07%
AcrossEthereum1.10MUSDC4.36%4.53%0.06%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum799.4M9.77%
Avalanche732.9M3.89%
Base16138.9M7.26%
BSC13125.6M4.54%
Ethereum713B6.06%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon111.6M2.85%
Solana1665M9.09%
TON12.7M4.81%
zkSync Era000%