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 3.74% on Jul 21 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
23/07/2026 20:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableMonad7.53MUSDC1.39%38.32%30.19%
AccountableMonad91.07MUSDC0.2%13.87%17.6%
Ember-protocolSui5.68MUSDC0%6.52%15.31%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Lista-lendingBSC1.82MUSDT0.56%6.54%12.98%
Ember-protocolEthereum8.26MUSDC0%12.9%12.9%
AccountableEthereum3.51MUSDC11.55%16.69%12.32%
AccountableEthereum2.16MUSDC0%11.11%11.64%
Harvest-financeBase1.87MUSDC0%12.82%11.55%
AzuroPolygon1.28MUSDT0%6.98%10.99%
Pareto-creditEthereum15.17MUSDC0%10.59%10.59%
Midas-rwaEthereum48.96MUSDC0%10.56%10.57%
Midas-rwaMonad1.86MUSDC0%10.56%10.57%
Midas-rwaEthereum70.47MUSDC0%12.04%10.21%
Ember-protocolSui1.09MUSDC0%9.85%10.2%
AccountableMonad5.91MUSDC0.44%10.48%10%
GoldfinchEthereum36.72MUSDC0%10.09%10%
Midas-rwaEthereum6.97MUSDC0%8.88%9.71%
AccountableMonad10.06MUSDC0.47%9.84%9.53%
Ember-protocolSui1.21MUSDC0%9.53%9.5%
Pareto-creditEthereum2.13MUSDC0%9.38%9.38%
Bracket-vaultsEthereum2.65MUSDC0%9.52%9.3%
Ember-protocolEthereum3.30MUSDC0%8.97%8.71%
Ember-protocolSui4.90MUSDC0%8.92%8.67%
Pareto-creditEthereum166.75MUSDC0%8.31%8.31%
Blend-pools-v2Stellar11.28MUSDC0%7.33%8.3%
Midas-rwaEthereum6.65MUSDC0%7.87%8.09%
Midas-rwaEthereum2.50MUSDC0%7.86%8.09%
Ember-protocolSui7.32MUSDC4%12%8%
Bitway-earnBSC23.38MUSDT0%8.48%8%
Midas-rwaEthereum4.54MUSDC0%6.58%7.82%
Midas-rwaEthereum1.98MUSDC0%10.11%7.76%
Harmonix-financeHyperliquid L119.77MUSDC0%8.76%7.72%
AvantisBase20.96MUSDC0%9.49%7.68%
Midas-rwaEtherlink4.77MUSDC0%7.59%7.63%
Yearn-financeEthereum6.17MUSDC0%6.28%7.53%
Pareto-creditEthereum21.81MUSDC0%7.13%7.13%
AccountableMonad1.83MUSDC0.5%7.4%7.03%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
Gami-labsStellar16.92MUSDC0%7%7%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
AutofinanceEthereum8.70MUSDC0.43%6.71%6.86%
Ember-protocolEthereum16.92MUSDC0%7.51%6.81%
Ember-protocolSui1.09MUSDC5.22%11.62%6.78%
Ember-protocolSui1.09MUSDC5.22%11.62%6.78%
Zerobase-cedefiBSC2.07MUSDC2%8.76%6.76%
Zerobase-cedefiBSC21.45MUSDT2%8.76%6.76%
Gains-networkArbitrum6.40MUSDC0%5.91%6.7%
YieldseekerBase1.97MUSDC0%8.39%6.68%
Lista-lendingBSC5.55MUSDT0%4.53%6.62%
Ember-protocolSui1.35MUSDC0%8.13%6.61%
LoopscaleSolana3.20MUSDC0.22%7.57%6.45%
Kamino-lendSolana4.50MUSDC0%6.96%6.43%
Extra-finance-leverage-farmingBase3.50MUSDC0%6.29%6.29%
Yearn-financeEthereum9.11MUSDC0%6.05%6.18%
Yearn-financeEthereum1.18MUSDC0%4.93%6.07%
Hyperlend-pooledHyperliquid L112.11MUSDC0%6.99%5.85%
Harvest-financeEthereum1.17MUSDC0%7.41%5.79%
Storm-tradeTON3.59MUSDT0%5.87%5.76%
Lista-lendingBSC6.10MUSDT0%4.84%5.75%
Fluid-lendingEthereum9.12MUSDC0%5.67%5.6%
Fluid-lendingEthereum141.23MUSDC0%5.91%5.6%
AutofinanceBase5.25MUSDC2.53%7.28%5.58%
Euler-v2Monad2.16MUSDC2.63%6.82%5.3%
Fusion-by-iporEthereum2.70MUSDC0%6.05%5.26%
Navi-lendingSui6.16MUSDC0.45%5.71%5.21%
SparklendEthereum16.08MUSDT0%3.56%5.12%
Fluid-lendingArbitrum35.73MUSDC0%5.71%5.05%
Yearn-financeBase1.77MUSDC0%4.97%4.96%
DolomiteArbitrum1.19MUSDC0%4.62%4.93%
LoopscaleSolana1.53MUSDC0%5.93%4.93%
Fluid-lendingBase8.70MUSDC0%5.42%4.8%
Fluid-lendingEthereum136.42MUSDT0%5.56%4.73%
Euler-v2Ethereum8.15MUSDC0%3.47%4.46%
SymbiosisTron1.40MUSDT0%6.09%4.44%
Flux-financeEthereum2.05MUSDT0%4.44%4.41%
MapleEthereum870.36MUSDT0%4.09%4.35%
Kamino-lendSolana1.44MUSDC0%4.46%4.33%
ExactlyOP Mainnet1.76MUSDC0%4.23%4.33%
Yo-protocolBase9.97MUSDC0%4.1%4.29%
Yo-protocolEthereum2.38MUSDC0%4.1%4.29%
ExactlyOP Mainnet1.76MUSDC0%4.2%4.26%
Kamino-lendSolana6.84MUSDC0%4.75%4.25%
ExactlyOP Mainnet1.76MUSDC0%4.16%4.24%
ExactlyOP Mainnet1.76MUSDC0%4.07%4.19%
ExactlyOP Mainnet1.76MUSDC0%4.11%4.17%
ExactlyOP Mainnet1.76MUSDC0%3.9%4.09%
Moonwell-lendingBase2.16MUSDC0.34%5.04%4.08%
ExactlyOP Mainnet1.76MUSDC0%4%4.05%
ExactlyOP Mainnet1.76MUSDC0%3.62%4%
TermmaxBase1.20MUSDC0%3.88%3.94%
Native-credit-poolBSC5.01MUSDT0%4%3.94%
Kamino-lendSolana16.17MUSDC0%4.45%3.84%
Aave-v3Ethereum8.59MDAI0%4.29%3.83%
SymbiosisEthereum1.21MUSDC0%5.39%3.83%
ExactlyOP Mainnet1.76MUSDC0%3.93%3.79%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum451M5.92%
Avalanche000%
Base1057.4M5.99%
BSC765.4M7.26%
Ethereum351.7B7.44%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.3M10.99%
Solana633.7M5.04%
TON13.6M5.76%
zkSync Era000%