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
01/09/2026 05:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Ember-protocolEthereum1.64MUSDC0%8.02%100.6%
AccountableMonad1.05MUSDC0%17.96%24.12%
EnsuroEthereum1.08MUSDC0%21.48%23.7%
AccountableMonad7.50MUSDC1.11%20.98%17.29%
Midas-rwaEtherlink4.83MUSDC0%11.45%16.26%
AccountableEthereum3.29MUSDC0%10.91%15.38%
Harvest-financeBase1.84MUSDC0%11.18%14.57%
AccountableEthereum1.06MUSDC1.25%15.3%14.25%
Neutral-tradeSolana2.28MUSDC0%6.99%14.05%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum7.05MUSDC0%12.9%12.9%
Neutral-tradeSolana2.22MUSDC0%36.4%12.38%
Kamino-lendSolana3.30MUSDC0%7.28%11.96%
AccountableEthereum10.17MUSDC0%11.64%11.64%
AccountableMonad5.04MUSDC0.45%12.13%11.64%
Midas-rwaEthereum1.77MUSDC0%12.01%11.59%
Aave-v3Ethereum24.85MUSDC0%3.81%11.22%
AccountableMonad74.99MUSDC0.28%14.32%11.2%
Ember-protocolSui1.42MUSDC0%10.31%11.04%
Gains-networkArbitrum4.53MUSDC0%6.13%10.85%
Pareto-creditEthereum15.41MUSDC0%10.58%10.59%
Fusion-by-iporEthereum1.27MUSDC0%4.82%10.26%
Ember-protocolSui7.32MUSDC0%10.16%10.11%
AguaEthereum7.95MUSDC0%10%10%
Ember-protocolEthereum3.37MUSDC0%9.67%9.46%
Pareto-creditEthereum2.18MUSDC0%9.38%9.38%
Harvest-financeEthereum1.23MUSDC0%7.81%9.34%
Ember-protocolEthereum9.48MUSDC0%9.49%9.21%
YieldseekerBase1.12MUSDC0%9.15%8.82%
Ember-protocolEthereum17.16MUSDC0%8.1%8.41%
Pareto-creditEthereum168.49MUSDC0%8.03%8.02%
Bitway-earnBSC25.04MUSDT0%8%8%
Ember-protocolSui9.05MUSDC4%12%8%
Kamino-lendSolana3.42MUSDC0%5.75%7.8%
Euler-v2Monad1.15MUSDC1.25%9.75%7.69%
Midas-rwaEthereum7.67MUSDC0%8.67%7.54%
Bitway-earnBSC6.42MUSDT0%6.09%7.5%
Midas-rwaEthereum64.50MUSDC0%9.25%7.42%
SymbiosisTron1.30MUSDT0%6.05%7.36%
Pareto-creditEthereum21.98MUSDC0%7.13%7.13%
Harvest-financeBase1.13MUSDC0%6.42%7.04%
AccountableMonad1.48MUSDC0.4%7.76%7.03%
Harmonix-financeHyperliquid L124.88MUSDC0%6.39%7%
Zerobase-cedefiEthereum14.05MUSDT2%9%7%
Zerobase-cedefiBase10.56MUSDC2%9%7%
Zerobase-cedefiArbitrum7.63MUSDT2%9%7%
LoopscaleSolana1.83MUSDC0.3%7.02%6.91%
Yearn-financeEthereum8.94MUSDC0%6.15%6.86%
SentoraEthereum42.65MUSDC0%6.3%6.8%
Extra-finance-leverage-farmingBase3.44MUSDC0%7.09%6.78%
Zerobase-cedefiBSC18.64MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.05MUSDC2%8.76%6.76%
Midas-rwaEthereum36.38MUSDC0%7.4%6.68%
Yearn-financeEthereum6.08MUSDC0%6.64%6.62%
Blend-pools-v2Stellar9.78MUSDC0%6.59%6.62%
Fusion-by-iporBase1.13MUSDC0%5.81%6.57%
Ember-protocolSui1.07MUSDC0%7.9%6.51%
Midas-rwaEthereum6.71MUSDC0%7.25%6.37%
Midas-rwaEthereum2.51MUSDC0%7.24%6.36%
AccountableMonad11.03MUSDC0.41%7.39%6.13%
Midas-rwaEthereum6.42MUSDC0%8.69%6.02%
Midas-rwaEtherlink1.12MUSDC0%8.68%6.02%
AccountableEthereum2.39MUSDC15.73%26.17%5.99%
Fusion-by-iporEthereum2.69MUSDC0%5.68%5.91%
Fluid-lendingEthereum145.33MUSDC0%4.97%5.75%
Fluid-lendingEthereum4.17MUSDC0%4.97%5.75%
Kamino-lendSolana1.79MUSDT0%4.05%5.69%
Centrifuge-protocolAvalanche261.83MUSDC0%5.24%5.67%
Centrifuge-protocolBase50.49MUSDC0%5.24%5.67%
Kamino-lendSolana22.02MUSDC0%5.02%5.67%
AutofinanceBase7.66MUSDC2.28%7.77%5.66%
Compound-v3Ethereum33.53MUSDC0.11%4.18%5.65%
Centrifuge-protocolEthereum7.52MUSDC0%5.23%5.65%
Alchemix-v3Ethereum8.06MUSDC0%4.7%5.56%
Fluid-lendingBase9.15MUSDC0%5.13%5.42%
Hyperlend-pooledHyperliquid L116.28MUSDC0%6.51%5.41%
Storm-tradeTON3.05MUSDT0%5.51%5.36%
Kamino-lendSolana2.12MUSDC0%5.32%5.33%
AutofinanceEthereum8.02MUSDC0.85%5.87%5.26%
Yearn-financeBase1.77MUSDC0%4.95%5.04%
Navi-lendingSui6.40MUSDC0.46%5.56%4.98%
Benqi-lendingAvalanche2.57MUSDC0%4.51%4.86%
Lista-lendingBSC2.43MUSDT1.5%7.2%4.8%
MapleEthereum1.02BUSDT0%4.26%4.76%
CurvanceMonad1.30MUSDC2.25%9.36%4.74%
Jupiter-lendSolana446.51MUSDC0.68%5.16%4.72%
Centrifuge-protocolPlume Mainnet20.80MUSDC0%6.8%4.67%
Nawa-protocolZIGChain3.43MUSDC0%9.78%4.65%
DolomiteArbitrum1.19MUSDC0%4.28%4.65%
SymbiosisEthereum1.27MUSDC0%4.69%4.5%
Centrifuge-protocolMonad10.08MUSDC0%6.74%4.48%
Fluid-lendingEthereum138.73MUSDT0%4.71%4.47%
Flux-financeEthereum1.92MUSDT0%4.41%4.45%
Fusion-by-iporBase1.13MUSDC3.5%7.19%4.42%
ExactlyOP Mainnet1.71MUSDC0%4.37%4.38%
ExactlyOP Mainnet1.71MUSDC0%4.31%4.32%
Aave-v3Avalanche2.27MUSDT0%3.48%4.31%
ExactlyOP Mainnet1.71MUSDC0%4.26%4.29%
Euler-v2Monad1.10MUSDC0%3.82%4.24%
ExactlyOP Mainnet1.71MUSDC0%4.19%4.23%
Neutral-tradeSolana3.44MUSDC0%6.12%4.22%
ExactlyOP Mainnet1.71MUSDC0%4.2%4.2%
Yo-protocolBase8.39MUSDC0%4.13%4.19%
Yo-protocolEthereum1.51MUSDC0%4.13%4.19%
TermmaxEthereum3.34MUSDC0%4.05%4.18%
TydroInk8.65MUSDC0%2.49%4.17%
ExactlyOP Mainnet1.71MUSDC0%4.04%4.11%
Aave-v3Avalanche5.35MUSDC0%3.73%4.08%
ExactlyOP Mainnet1.71MUSDC0%3.78%4.01%
Moonwell-lendingBase2.09MUSDC0.08%6.96%3.92%
Jupiter-lendSolana18.11MUSDT0%3.68%3.83%
Project-0Solana1.48MUSDC0%4.23%3.8%
Yearn-financeEthereum20.22MUSDC0%3.39%3.8%
ExactlyOP Mainnet1.71MUSDC0%4.09%3.78%
Midas-rwaEthereum3.49MUSDC0%3.78%3.78%
Yearn-financeEthereum2.43MUSDC0%3.63%3.75%
AmpleBase4.42MUSDC0%4.06%3.75%
Flux-financeEthereum2.59MUSDC0%3.73%3.73%
Ember-protocolEthereum2.04MUSDC0%3.3%3.69%
Fluid-lendingArbitrum61.76MUSDC0%4.78%3.55%
Spark-savingsEthereum309.26MUSDC0%3.52%3.52%
Spark-savingsAvalanche9.47MUSDC0%3.52%3.52%
SparklendEthereum2MUSDC0%3.48%3.47%
Aave-v3Base24.96MUSDC0%3.42%3.42%
Aave-v3Monad15.26MUSDC1.93%5.51%3.38%
Aave-v3Ethereum256.84MUSDT0%3.04%3.34%
Aave-v3Ethereum70.33MUSDT1.45%4.43%3.34%
Native-credit-poolEthereum1.77MUSDT0%3.04%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Midas-rwaEthereum71.67MUSDC0%3.29%3.28%
Midas-rwaEtherlink1.22MUSDC0%3.3%3.28%
Aave-v3Ethereum57.02MUSDC1.71%5.27%3.27%
Aave-v4Ethereum1.46MUSDT0%2.61%3.26%
Spark-savingsEthereum366.58MUSDT0%2.97%3.25%
Yearn-financeEthereum7.43MDAI0%3.13%3.24%
Aave-v4Ethereum1.21MUSDC0%3.85%3.19%
Centrifuge-protocolMonad4.55MUSDC0%3.72%3.16%
Centrifuge-protocolPharos4.40MUSDC0%3.74%3.16%
DolomiteEthereum32.45MUSDC4.02%7.51%3.16%
Euler-v2Ethereum6.34MUSDC0%3.11%3.16%
Native-credit-poolBSC2.37MUSDT0%3.16%3.14%
Yearn-financeEthereum5.77MUSDT0%3.17%3.1%
Compound-v3Ethereum27.59MUSDT0.12%3.14%3.05%
LoopscaleSolana1.66MUSDC6.68%9.2%3.03%
Aave-v3Ethereum18.64MDAI0%2.86%3%
CurvanceMonad2.88MUSDC2.16%5.27%2.97%
Euler-v2Ethereum5.54MUSDC0%3.79%2.91%
Aave-v3Polygon11.69MUSDC0%2.82%2.91%
Venus-core-poolBSC57.46MUSDT0%2.18%2.91%
Compound-v3Arbitrum3.31MUSDC0%2.76%2.8%
Aave-v3Ethereum1.67MUSDC0%3.02%2.79%
SaveSolana5.66MUSDC0%2.44%2.7%
Centrifuge-protocolEthereum1.87MUSDC0%1.94%2.7%
Aave-v3BSC2.52MUSDC0%2.95%2.7%
SparklendEthereum61.98MUSDT0%3.7%2.62%
Compound-v3Arbitrum4.03MUSDT0%2.27%2.61%
Aave-v3Ethereum1.53MUSDC0%2.32%2.57%
Aave-v3BSC13.55MUSDT0%2.18%2.44%
Scallop-lendSui1.01MUSDC0%2.61%2.43%
NeverlandMonad1.40MUSDC7.65%8.12%2.4%
Justlend-v1Tron69.14MUSDT0%2.2%2.37%
Aave-v3Arbitrum41.20MUSDC0%2.38%2.36%
Venus-fluxBSC2.22MUSDT0%2.39%2.35%
Aave-v3OP Mainnet2.91MUSDC0%2.68%2.24%
SparklendEthereum117.37MDAI0%2.17%2.17%
CurrentSui10.80MUSDC7.87%9.7%2.13%
Aave-v4Ethereum1.38MUSDC0%2.01%2.07%
Venus-core-poolBSC20.24MUSDC0%2.37%2.05%
Lista-lendingBSC3.34MUSDT0%0.95%2.05%
Midas-rwaEthereum26.21MUSDC0%5.62%2.04%
Lista-lendingBSC3.63MUSDT0%2.2%2.02%
Spectra-metavaultsBase3.02MUSDC0%2.66%1.92%
Gami-labsBase3.02MUSDC0%2.65%1.92%
Aave-v3Sonic1.16MUSDC0%1.88%1.86%
Lista-lendingBSC1.01MUSDT0%1.86%1.83%
Lista-lendingBSC1.01MUSDT0%1.86%1.83%
Venus-core-poolBSC1.02MDAI0%1.83%1.82%
Aave-v3Arbitrum1.25MDAI0%1.99%1.8%
SaveSolana2.25MUSDT0%1.5%1.7%
Aave-v4Ethereum1.11MUSDT0%1.54%1.62%
Echelon-marketAptos1.52MUSDC1.57%3.52%1.53%
Aave-v3Mantle4.23MUSDC0%2.19%0.99%
Lista-lendingEthereum3.98MUSDC6.9%6.53%0.89%
ExactlyOP Mainnet1.71MUSDC0%0.97%0.88%
Zest-v2Stacks10.08MUSDC0%0.54%0.51%
Lista-lendingEthereum2.78MUSDT6.04%5.84%0.48%
Aave-v4Avalanche5.62MUSDC5.74%1.95%0.44%
TectonicCronos45MUSDT0%0.2%0.15%
TectonicCronos53.73MUSDC0%0.12%0.12%
AcrossEthereum1.58MUSDT1.21%1.44%0.11%
CredixSolana13.48MUSDC0%0.04%0.04%
AcrossEthereum1.10MUSDC4.02%4.22%0.01%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum8124.9M4.45%
Avalanche6287.1M3.81%
Base17135.3M5.65%
BSC16163M3.68%
Ethereum763.4B6.93%
Hyperliquid000%
Mantle14.2M0.99%
Optimism000%
Polygon111.7M2.91%
Solana16531.6M5.86%
TON13M5.36%
zkSync Era000%