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 Apr 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
01/05/2026 12:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Canto-lendingCanto1.35MUSDC0%12.89%12.99%
Benqi-lendingAvalanche1.62MUSDC0%7%12.5%
Bracket-vaultsEthereum2.71MUSDC0%11.6%11.07%
AutofinanceArbitrum3.64MUSDC1.22%11.17%10.73%
BitwayBSC13.72MUSDT0%11.16%10.5%
GoldfinchEthereum37.25MUSDC0%10.06%10.06%
Blend-pools-v2Stellar10.04MUSDC0%9.26%9.04%
AvantisBase48.70MUSDC0%10.05%8.88%
YieldseekerBase1.26MUSDC0%9.63%8.27%
SparklendEthereum20.98MUSDT0%2.52%7.38%
Harvest-financeBase1.97MUSDC0%6.66%7.25%
SymbiosisTron1.30MUSDT0%7.43%7.1%
AutofinanceEthereum4.39MUSDC0%6.94%7.07%
Zerobase-cedefiEthereum14.44MUSDT2%9%7%
Zerobase-cedefiArbitrum7.93MUSDT2%9%7%
Storm-tradeTON3.80MUSDT0%4.57%6.84%
Zerobase-cedefiBSC24.81MUSDT2%8.76%6.76%
Zerobase-cedefiBSC1.90MUSDC2%8.76%6.76%
LoopscaleSolana1.91MUSDC1.04%8.55%6.76%
AbyssSui1.35MUSDC0%8.95%6.69%
Aave-v3Avalanche4.77MUSDC0%4.56%6.47%
Project-0Solana1.23MUSDC0%7.59%6.38%
Aave-v3Avalanche2.08MUSDT0%4.7%6.13%
Venus-fluxBSC35.10MUSDT0%7.64%6.06%
AutofinanceEthereum9.35MUSDC0.59%6.22%6.06%
Yearn-financeEthereum1.97MUSDC0%5.5%6.01%
DeltaprimeAvalanche1.06MUSDC0%5.32%5.98%
DeltaprimeAvalanche1.06MUSDC0%5.32%5.98%
Aave-v3Ethereum8.09MDAI0%5.42%5.96%
Extra-finance-leverage-farmingBase4.03MUSDC0%5.5%5.66%
SymbiosisEthereum1.21MUSDC0%7.5%5.54%
Harvest-financeEthereum1.08MUSDC0%3.46%5.43%
Gains-networkArbitrum5.40MUSDC0%6.73%5.4%
Scallop-lendSui1.10MUSDC0%5.31%5.34%
LoopscaleSolana1.31MUSDC0%5.31%5.29%
Hyperlend-pooledHyperliquid L110.47MUSDC0%4.49%5.26%
AutofinanceBase5.67MUSDC3.84%7.91%5.11%
Yearn-financeEthereum7.14MUSDC0%4.27%5.04%
Navi-lendingSui2.53MUSDC0.64%4.51%5.01%
Fluid-lendingArbitrum36.51MUSDC0.91%6.1%4.98%
DolomiteArbitrum1.20MUSDC0%5.59%4.93%
Folks-finance-lendingAlgorand1.19MUSDC0%3.86%4.7%
Kamino-lendSolana8MUSDC0%3.77%4.62%
Venus-fluxBSC7.18MUSDC0%5.59%4.6%
Flux-financeEthereum1.71MUSDT0%4.62%4.57%
MapleEthereum1.05BUSDT0%4.11%4.53%
TydroInk2.17MUSDC0%2.99%4.52%
Aave-v3Ethereum137.49MUSDT0%4.54%4.3%
DolomiteEthereum13.21MUSDC4.09%6.37%4.26%
Yearn-financeEthereum8.51MDAI0%3.69%4.12%
TermmaxEthereum2.18MUSDC0%3.01%4.08%
TermmaxEthereum2.01MUSDC0%3.07%4.08%
ExactlyOP Mainnet1.61MUSDC0%3.92%4.07%
SparklendEthereum3.01MUSDC0%4.09%4.04%
ExactlyOP Mainnet1.61MUSDC0%3.79%4.03%
ExactlyOP Mainnet1.61MUSDC0%3.44%4%
Yo-protocolEthereum3.69MUSDC12%13.67%3.96%
Yo-protocolBase18.67MUSDC12%13.69%3.96%
ExactlyOP Mainnet1.61MUSDC0%3.62%3.9%
Lazy-summer-protocolEthereum10.65MUSDC0.52%3.62%3.89%
Fluid-lendingBase12.83MUSDC1.78%6.4%3.85%
NeverlandMonad14.56MUSDC4.34%8.13%3.84%
Aave-v3Arbitrum15.09MUSDC0%3.62%3.84%
ExactlyOP Mainnet1.61MUSDC0%3.81%3.82%
ExactlyOP Mainnet1.61MUSDC0%3.65%3.78%
ExactlyOP Mainnet1.61MUSDC0%3.94%3.78%
ExactlyOP Mainnet1.61MUSDC0%3.79%3.77%
ExactlyOP Mainnet1.61MUSDC0%3.37%3.74%
Euler-v2Ethereum39.18MUSDC0%3.91%3.69%
Flux-financeEthereum2.69MUSDC0%3.75%3.68%
Euler-v2Ethereum30.09MUSDC0%3.89%3.67%
Spark-savingsAvalanche37.13MUSDC0%3.72%3.65%
Spark-savingsEthereum581.62MUSDC0%3.72%3.65%
Fluid-lendingEthereum120.09MUSDT1.72%6.06%3.63%
Yearn-financeEthereum1.17MUSDC0%3.42%3.61%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum669.8M6.15%
Avalanche647.7M6.78%
Base793.1M6.14%
BSC582.7M6.94%
Ethereum272.1B5.2%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon000%
Solana412.4M5.76%
TON13.8M6.84%
zkSync Era000%