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
20/10/2026 22:30:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableMonad1.14MUSDC0%37.23%162.56%
AccountableEthereum3.41MUSDC0%13.33%27.68%
Harvest-financeBase1.76MUSDC0%26.39%27.38%
VerantaBase9.82MUSDC0%19.49%25.33%
Ember-protocolEthereum18.03MUSDC0%10.75%17.97%
EnsuroEthereum1.30MUSDC0%22.01%16.73%
Ember-protocolEthereum3.67MUSDC0%9.57%15.2%
AccountableEthereum1.23MUSDC0%14.88%14.25%
AccountableMonad6.46MUSDC0.87%15.29%13.81%
Ember-protocolEthereum1.64MUSDC0%12.93%12.93%
Ember-protocolEthereum2.62MUSDC0%13.03%12.9%
AccountableEthereum12.10MUSDC0%12.23%12.13%
Vectis-financeEthereum1.80MUSDC0%13.21%11.77%
AccountableMonad5.44MUSDC0.46%12.1%11.64%
Coinmerce-capitalHyperliquid L11.75MUSDC0%6.86%11.63%
Pareto-creditEthereum11.10MUSDC0%10.59%10.59%
Midas-rwaEthereum26.36MUSDC0%8.38%10.21%
Neutral-tradeSolana1.27MUSDC0%8.21%10.13%
Ember-protocolSui10.34MUSDC0%10.12%10%
AguaEthereum11.52MUSDC0%10%10%
AguaMonad9.08MUSDC0%10%10%
AccountableMonad74.97MUSDC0.24%11.01%9.5%
Pareto-creditEthereum2.02MUSDC0%9.38%9.38%
Nawa-protocolZIGChain3.46MUSDC0%10.36%9.32%
Rhea-lendNear1.99MUSDC0%9.04%9.01%
Gains-networkArbitrum4.22MUSDC0%25.81%8.96%
Rhea-lendNear2.02MUSDT0%9.32%8.94%
Centrifuge-protocolEthereum2.69MUSDT0%7.04%8.79%
Vectis-financeSolana2.69MUSDC0%7.19%8.6%
Midas-rwaEthereum7.93MUSDC0%7.26%8.5%
Pareto-creditEthereum130.82MUSDC0%7.98%8.06%
Ember-protocolEthereum2.05MUSDC0%4.39%8%
Bitway-earnBSC21.75MUSDT0%8%8%
Ember-protocolSui8.58MUSDC4%12%8%
Aave-v3Monad11.63MUSDC0%6.14%7.81%
Kamino-lendSolana56.41MUSDC0%8.11%7.73%
Kamino-lendSolana7.27MUSDC0%7.63%7.61%
Midas-rwaEthereum65.98MUSDC0%7.49%7.52%
Sentora-curatorEthereum97.15MUSDC0%7.65%7.51%
Bitway-earnBSC1.31MUSDT0%7.5%7.5%
Midas-rwaEthereum28.84MUSDC0%7.39%7.26%
Midas-rwaEthereum3.41MUSDC0%6.98%7.15%
Midas-rwaEthereum1.44MUSDC0%6.98%7.15%
Aave-v4Ethereum2.28MUSDC0%5.05%7.09%
Yearn-financeEthereum7.46MUSDC0%6.88%7.06%
AccountableMonad2.15MUSDC0.23%7.58%7.03%
Zerobase-cedefiEthereum14.19MUSDT2%9%7%
Zerobase-cedefiBase10.53MUSDC2%9%7%
Zerobase-cedefiArbitrum7.61MUSDT2%9%7%
Hyperlend-pooledHyperliquid L14.55MUSDC0%4.53%6.81%
Zerobase-cedefiBSC16.73MUSDT2%8.76%6.76%
Zerobase-cedefiBSC1.89MUSDC2%8.76%6.76%
Euler-v2Monad3.62MUSDC1.25%7.8%6.65%
Pareto-creditEthereum21.90MUSDC0%6.62%6.62%
Fusion-by-iporEthereum1.28MUSDC0%6.3%6.58%
Neutral-tradeSolana2.13MUSDC0%46.58%6.58%
Harvest-financeBase1.06MUSDC0%6.83%6.41%
Midas-rwaBase51.54MUSDC0%5.6%6.2%
Midas-rwaRobinhood Chain36.04MUSDC0%5.6%6.2%
AccountableEthereum2.51MUSDC11.09%28.81%6.17%
Harmonix-financeHyperliquid L115.02MUSDC0%6.22%6.14%
AccountableMonad6.67MUSDC0.22%6.02%6.13%
Midas-rwaEthereum34.06MUSDC0%6.19%6.1%
Yearn-financeEthereum11.68MUSDC0%6.71%6.01%
Neutral-tradeSolana2.05MUSDC0%10.13%5.84%
Alchemix-v3Ethereum7.81MUSDC0%5.36%5.82%
Blend-pools-v2Stellar14.88MUSDC0%7.11%5.77%
Navi-lendingSui5.12MUSDC0.61%5.47%5.75%
Jupiter-lendSolana485.93MUSDC0%6.15%5.73%
Kamino-lendSolana10.62MUSDC0.12%6.55%5.72%
Kamino-lendSolana1.70MUSDC0%5.58%5.69%
SymbiosisEthereum1.22MUSDC0%4.5%5.66%
Compound-v3Ethereum35.49MUSDC0%4.85%5.64%
Fluid-lendingEthereum135.57MUSDC0%5.34%5.63%
Neutral-tradeSolana3.84MUSDC0%12.4%5.62%
Ember-protocolSui8.72MUSDC0%11.45%5.61%
Ember-protocolEthereum5.74MUSDC0%10.08%5.61%
Benqi-lendingAvalanche1.65MUSDC0%7.69%5.61%
Harvest-financeEthereum1.16MUSDC0%6.05%5.59%
Kamino-lendSolana4.65MUSDC0.02%6.16%5.58%
Kamino-lendSolana58.42MUSDC0.06%5.33%5.58%
Aave-v3Avalanche5.65MUSDC0%5.77%5.54%
Kamino-lendSolana1.27MUSDC0.12%5.66%5.46%
Kamino-lendSolana1.06MUSDC0.12%5.59%5.42%
MapleEthereum743.01MUSDT0%5.27%5.23%
Fluid-lendingArbitrum59.34MUSDC0%5.27%5.23%
Kamino-lendSolana1.59MUSDC0.1%5.52%5.19%
Kamino-lendSolana10.80MUSDC0.36%5.88%5.17%
AutofinanceEthereum7.50MUSDC0.8%6.24%5.11%
SymbioticEthereum1.01MUSDC0%6.06%5.06%
Fluid-lendingBase10.91MUSDC3.2%8.23%4.99%
Yearn-financeBase1.57MUSDC0%4.85%4.93%
Fusion-by-iporBase2.94MUSDC0%4.62%4.7%
Kamino-lendSolana2.06MUSDC0.02%5.1%4.69%
Kamino-lendSolana1.99MUSDC0%5.13%4.59%
Kamino-lendSolana1.32MUSDC0%4.84%4.54%
Kamino-lendSolana10.33MUSDC0%5.26%4.54%
Kamino-lendSolana1.34MUSDC0%4.84%4.54%
Kamino-lendSolana2.33MUSDC0.03%4.54%4.47%
Flux-financeEthereum1.95MUSDT0%4.44%4.44%
ExactlyOP Mainnet1.53MUSDC0%4.34%4.35%
Fluid-lendingEthereum129.38MUSDT0%4.42%4.34%
TydroInk15.55MUSDC0%4.28%4.33%
ExactlyOP Mainnet1.53MUSDC0%4.3%4.3%
Kamino-lendSolana1.29MUSDT0%4.41%4.3%
Kamino-lendSolana19.33MUSDC0%4.42%4.29%
Yearn-financeEthereum2.40MUSDC0%4.18%4.27%
ExactlyOP Mainnet1.53MUSDC0%4.23%4.25%
ExactlyOP Mainnet1.53MUSDC0%4.2%4.22%
Fusion-by-iporBase1.06MUSDC1.79%6.23%4.21%
Flux-financeEthereum1.60MUSDC0%4.14%4.14%
Jupiter-lendSolana17.31MUSDT0%4.12%4.13%
ExactlyOP Mainnet1.53MUSDC0%4.31%4.12%
AutofinanceBase3.51MUSDC4.28%9.75%4.09%
ExactlyOP Mainnet1.53MUSDC0%4.25%4.09%
Venus-core-poolBSC6.80MUSDC0%3.8%4.07%
SaveSolana3.94MUSDC0%3.2%4.07%
Midas-rwaEthereum74.92MUSDC0%3.28%4.04%
Midas-rwaEtherlink1.23MUSDC0%3.28%4.04%
CurvanceMonad4.36MUSDC2.08%6.13%4.04%
Yo-protocolBase7.61MUSDC0%4.39%4.03%
Yo-protocolEthereum2.15MUSDC0%4.39%4.03%
ExactlyOP Mainnet1.53MUSDC0%2.8%4.02%
ExactlyOP Mainnet1.53MUSDC0%4.03%4%
Kamino-lendSolana2.61MUSDT0%4.53%4%
ExactlyOP Mainnet1.53MUSDC0%3.84%3.94%
Midas-rwaEthereum6.45MUSDC0%4%3.91%
Midas-rwaEtherlink1.13MUSDC0%3.99%3.91%
Aave-v3Polygon1.06MDAI0%4.39%3.86%
AccountableEthereum1.79MUSDC0%12.15%3.84%
Centrifuge-protocolAvalanche263.13MUSDC0%3.74%3.84%
Centrifuge-protocolBase22.77MUSDC0%3.73%3.84%
Centrifuge-protocolBSC1.02MUSDC0%3.72%3.84%
Centrifuge-protocolEthereum9.32MUSDC0%3.67%3.83%
Aave-v3Base19.67MUSDC1.78%4.57%3.83%
Spark-savingsEthereum295.29MUSDC0%3.69%3.8%
Spark-savingsAvalanche1.62MUSDC0%3.69%3.8%
Aave-v3Ethereum148.56MUSDC0%4.35%3.79%
Aave-v3Ethereum54.33MUSDC1.79%5.97%3.79%
Spark-savingsEthereum660.29MUSDT0%3.63%3.75%
Kamino-lendSolana1.40MUSDC0%3.8%3.69%
Yearn-financeEthereum1.12MUSDC0%3.47%3.68%
Storm-tradeTON2.63MUSDT0%4.44%3.67%
Yearn-financeEthereum19.47MUSDC0%3.66%3.67%
Lista-lendingBSC2.78MUSDT0%3.93%3.66%
Aave-v3Avalanche2.67MUSDT0%3.93%3.56%
SparklendEthereum4.68MUSDC0%3.45%3.56%
Echelon-marketAptos1.26MUSDC2.81%5.98%3.55%
SparklendEthereum15.86MUSDT0%3.4%3.4%
Aave-v4Ethereum1.30MUSDC0%4.51%3.39%
Extra-finance-leverage-farmingBase3.53MUSDC0%6.22%3.38%
Aave-v3Ethereum12.10MDAI0%3.31%3.35%
Yearn-financeEthereum5.70MUSDT0%3.29%3.34%
Zerobase-cedefiOP Mainnet8.09MUSDT2%5.3%3.3%
Yearn-financeEthereum6.76MDAI0%2.92%3.27%
Kamino-lendSolana1.69MUSDC0%2.91%3.26%
Compound-v3Ethereum16.16MUSDT0%3.95%3.24%
Venus-core-poolBSC47.91MUSDT0%3.32%3.23%
Aave-v3Polygon10.04MUSDC0%3.07%3.22%
Aave-v3Ethereum1.26MUSDC0%3.26%3.21%
Aave-v3BSC2.21MUSDC0%3.28%3.18%
SaveSolana1.57MUSDT0%2.13%3.17%
DolomiteEthereum32.75MUSDC3.7%7.27%3.17%
Compound-v3Arbitrum1.91MUSDC0%3.05%3.13%
Aave-v3BSC11.05MUSDT0%2.95%3.09%
Aave-v3Ethereum454.67MUSDT0%3.84%3.08%
Aave-v3Ethereum62.14MUSDT1.64%5.44%3.08%
Kamino-lendSolana7.07MUSDC4.79%8.41%2.93%
Aave-v4Ethereum5.39MUSDT0%3.93%2.89%
SparklendEthereum76.02MDAI0%2.76%2.85%
Spectra-metavaultsBase3.03MUSDC0%3.41%2.84%
Gami-labsBase3.03MUSDC0%3.41%2.84%
Centrifuge-protocolBase6.16MUSDC0%3.73%2.6%
Centrifuge-protocolPharos4.73MUSDC0%3.59%2.6%
Centrifuge-protocolBSC1.02MUSDC0%3.59%2.6%
SymbioticEthereum1.01MUSDC0%2.88%2.56%
SymbioticEthereum1.01MUSDC0%2.88%2.56%
Lista-lendingBSC1.37MUSDT0%2.95%2.41%
Compound-v3Arbitrum5.26MUSDT0%2.45%2.31%
Aave-v3Arbitrum53.59MUSDC0%3.03%2.3%
CurrentSui1.08MUSDT2.78%6.39%2.29%
Justlend-v1Tron86.45MUSDT0%2.11%2.18%
CurrentSui20.92MUSDC4.94%7.81%2.1%
Native-credit-poolEthereum1.13MUSDC0%3.87%1.86%
Midas-rwaEtherlink4.95MUSDC0%4.31%1.38%
Lista-lendingEthereum4.49MUSDC5.51%7.09%1.32%
Native-credit-poolEthereum3.76MUSDT0%2.5%1.17%
ExactlyOP Mainnet1.53MUSDC0%1.09%1.06%
Lista-lendingEthereum4.15MUSDT4.96%5.74%1.02%
Lista-lendingBSC1.02MUSDC5.26%6.2%0.89%
Aave-v4Avalanche6.45MUSDC3.92%4.22%0.57%
TectonicCronos1.52MUSDC0.02%0.48%0.4%
AcrossEthereum1.12MUSDT3.01%3.59%0.34%
Aave-v4Avalanche7.50MUSDT5.72%5.51%0.3%
CredixSolana13.41MUSDC0%0.05%0.03%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum6131.9M4.82%
Avalanche7288.7M3.32%
Base17160.5M6.98%
BSC13116.9M4.31%
Ethereum743.6B6.29%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon211.1M3.54%
Solana32740.7M5.09%
TON12.6M3.67%
zkSync Era000%