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 3.69% on Jul 31 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
04/08/2026 20:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AzuroPolygon1.38MUSDT0%14.08%61.59%
AccountableMonad7.61MUSDC1.01%32.14%23.86%
Ember-protocolSui1.21MUSDC0%10.5%16.62%
AccountableMonad100.07MUSDC0.29%16.15%16%
AccountableEthereum3.88MUSDC10.48%20.51%15.97%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum7.22MUSDC0%12.84%12.9%
AvantisBase20.99MUSDC0%9.22%12.01%
AccountableEthereum2.23MUSDC0%10.84%11.54%
Harvest-financeBase1.87MUSDC0%12.45%11.43%
Nawa-protocolZIGChain3.81MUSDC0%8.7%10.93%
Lista-lendingBSC2.04MUSDT0.13%6.52%10.78%
Pareto-creditEthereum15.29MUSDC0%10.59%10.58%
Ember-protocolSui1.31MUSDC0%8.4%10.57%
Ember-protocolSui1.07MUSDC0%9.96%10.25%
GoldfinchEthereum35.95MUSDC0%10.12%10.21%
Midas-rwaEthereum71.57MUSDC0%10.38%10.19%
AccountableMonad1.03MUSDC0%10.36%10%
Ember-protocolEthereum5.91MUSDC0%6.37%9.95%
Ember-protocolEthereum3.32MUSDC0%9.35%9.75%
Pareto-creditEthereum2.14MUSDC0%9.38%9.38%
YieldseekerBase1.98MUSDC0%8.75%9.34%
Ember-protocolSui5.79MUSDC0%9.03%9.31%
Bracket-vaultsEthereum2.59MUSDC0%9.37%9.3%
Midas-rwaEthereum1.73MUSDC0%9.74%9.06%
Midas-rwaEthereum37.47MUSDC0%10.2%9.01%
Midas-rwaEthereum8.02MUSDC0%9.35%8.79%
Midas-rwaEthereum6.39MUSDC0%5.81%8.74%
Midas-rwaEtherlink1.12MUSDC0%5.82%8.74%
Pareto-creditEthereum167.59MUSDC0%8.3%8.02%
Bitway-earnBSC24.44MUSDT0%8%8%
Ember-protocolSui8.24MUSDC4%12%8%
AccountableMonad10.08MUSDC0.5%9.57%7.67%
AccountableMonad1.59MUSDC0.5%7.58%7.52%
Euler-v2Monad1.61MUSDC2.64%8.81%7.5%
Pareto-creditEthereum21.87MUSDC0%7.13%7.13%
Blend-pools-v2Stellar12.84MUSDC0%7.52%7.01%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
Yearn-financeEthereum6.94MUSDC0%6.99%6.96%
Midas-rwaEtherlink4.79MUSDC0%8.02%6.91%
LoopscaleSolana1.42MUSDC0.24%7.19%6.9%
Extra-finance-leverage-farmingBase3.38MUSDC0%6.66%6.87%
Fusion-by-iporEthereum2.10MUSDC0%5.86%6.77%
Zerobase-cedefiBSC20.49MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.03MUSDC2%8.76%6.76%
Harmonix-financeHyperliquid L118.79MUSDC0%7.91%6.48%
Kamino-lendSolana4.27MUSDC0%6.76%6.47%
Yearn-financeEthereum1.19MUSDC0%5.61%6.45%
Ember-protocolEthereum17.05MUSDC0%6.79%6.45%
Harvest-financeEthereum1.15MUSDC0%6.38%6.27%
Midas-rwaEthereum6.67MUSDC0%7.85%6.14%
Midas-rwaEthereum2.50MUSDC0%7.84%6.14%
Yearn-financeEthereum8.98MUSDC0%5.97%6.14%
Ember-protocolSui5.68MUSDC0%6.16%6.09%
Hyperlend-pooledHyperliquid L112.50MUSDC0%7.4%5.89%
Euler-v2Ethereum6.35MUSDC0%4.2%5.85%
AutofinanceEthereum8.53MUSDC0.41%6.58%5.73%
Storm-tradeTON3.47MUSDT0%5.76%5.68%
Fluid-lendingBase9.15MUSDC0%5.34%5.57%
AutofinanceBase4.98MUSDC2.55%7.83%5.44%
Ember-protocolSui1.19MUSDC5.81%11.85%5.28%
Navi-lendingSui6.26MUSDC0.42%5.58%5.15%
Yearn-financeBase1.73MUSDC0%4.96%4.91%
Fluid-lendingEthereum150.54MUSDC0%5.31%4.73%
Fluid-lendingEthereum9.05MUSDC0%5.3%4.73%
AmpleBase4.33MUSDC0%4.13%4.73%
Centrifuge-protocolAvalanche260.83MUSDC0%3.92%4.67%
Centrifuge-protocolBase50.29MUSDC0%3.91%4.67%
Centrifuge-protocolEthereum5.75MUSDC0%3.93%4.66%
Kamino-lendSolana4.58MUSDC0%4.61%4.65%
SymbiosisTron1.53MUSDT0%5.69%4.59%
Fluid-lendingArbitrum38.33MUSDC0%5.32%4.57%
Alchemix-v3Ethereum7.42MUSDC0%4.51%4.56%
SparklendEthereum15.92MUSDT0%3.83%4.53%
TermmaxBase1.20MUSDC0%3.95%4.52%
Fluid-lendingEthereum132.71MUSDT0%4.66%4.49%
LoopscaleSolana2.20MUSDC0%5.51%4.49%
Kamino-lendSolana1.33MUSDC0%4.25%4.48%
Flux-financeEthereum2.05MUSDT0%4.43%4.41%
ExactlyOP Mainnet1.60MUSDC0%4.31%4.35%
Centrifuge-protocolMonad4.53MUSDC0%4.09%4.33%
Centrifuge-protocolPharos4.38MUSDC0%3.41%4.33%
Kamino-lendSolana10.21MUSDC0%4.07%4.3%
ExactlyOP Mainnet1.60MUSDC0%4.24%4.28%
ExactlyOP Mainnet1.60MUSDC0%4.15%4.23%
ExactlyOP Mainnet1.60MUSDC0%4.15%4.19%
Benqi-lendingAvalanche3.87MUSDC0%3.9%4.17%
MapleEthereum0.96BUSDT0%4.2%4.15%
ExactlyOP Mainnet1.60MUSDC0%4.03%4.14%
Aave-v3Avalanche5.25MUSDC0%3.61%4.14%
Gains-networkArbitrum6.27MUSDC0%5.28%4.14%
ExactlyOP Mainnet1.60MUSDC0%4.04%4.1%
Yo-protocolBase9.89MUSDC0%4.18%4.09%
Yo-protocolEthereum2.28MUSDC0%4.18%4.09%
Moonwell-lendingBase2.23MUSDC0.3%4.55%4.03%
ExactlyOP Mainnet1.60MUSDC0%3.5%3.97%
Aave-v3Polygon1.02MDAI0%4.08%3.93%
Aave-v3Polygon1.02MDAI0%4.08%3.93%
ExactlyOP Mainnet1.60MUSDC0%4.17%3.84%
ExactlyOP Mainnet1.60MUSDC0%3.94%3.83%
TermmaxEthereum4.40MUSDC0%3.64%3.78%
Midas-rwaEthereum4.55MUSDC0%5.95%3.78%
Flux-financeEthereum2.60MUSDC0%3.72%3.73%
DolomiteArbitrum1.67MUSDC0%4.68%3.72%
Jupiter-lendSolana435.67MUSDC0.69%4.7%3.7%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum453.9M4.86%
Avalanche3270M4.32%
Base12112M6.47%
BSC449M8.08%
Ethereum391.8B7.23%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon33.4M23.15%
Solana7459.7M5%
TON13.5M5.68%
zkSync Era000%