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 3.61% on Apr 17 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
21/04/2026 10:00:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Aave-v3Ethereum4.80MDAI0%3.14%15.96%
Canto-lendingCanto1.35MUSDC0%12.81%12.82%
AvantisBase53.73MUSDC0%9.8%11.93%
Bracket-vaultsEthereum2.70MUSDC0%11.95%11.4%
BitwayBSC13.33MUSDT0%11.5%11%
AbyssSui1.92MUSDC0%8.8%10.77%
AutofinanceArbitrum1.90MUSDC1.88%8.61%10.4%
GoldfinchEthereum37.25MUSDC0%10.04%10.06%
AutofinanceEthereum8.76MUSDC0%4.59%9.54%
Fluid-lendingArbitrum27.02MUSDC1.2%6.76%8.98%
Blend-pools-v2Stellar9.89MUSDC0%9.3%8.96%
Kamino-lendSolana7.22MUSDC0%2.66%8.56%
DolomiteEthereum7.32MUSDC0%5.41%8.42%
SymbiosisEthereum1.17MUSDC0%6.52%8.11%
SymbiosisTron1.43MUSDT0%6.94%7.43%
Zerobase-cedefiEthereum14.44MUSDT2%9%7%
Zerobase-cedefiArbitrum7.94MUSDT2%9%7%
Storm-tradeTON3.96MUSDT0%5.59%7%
Harvest-financeBase2.02MUSDC0%6.33%6.93%
Zerobase-cedefiBSC23.34MUSDT2%9.04%6.76%
Zerobase-cedefiBSC1.34MUSDC2%8.83%6.76%
Spectra-metavaultsBase7.29MUSDC2.08%94.38%6.73%
AutofinanceEthereum9.01MUSDC0.57%5.86%6.53%
Extra-finance-leverage-farmingBase3.68MUSDC0%5.13%6.29%
Gains-networkArbitrum8.44MUSDC0%6.48%6.17%
Fluid-lendingBase9.14MUSDC2.43%7.26%6.03%
Yearn-financeEthereum2.43MUSDC0%5.55%5.92%
Scallop-lendSui1.10MUSDC0%4.82%5.82%
DeltaprimeAvalanche1.12MUSDC0%5.25%5.5%
LoopscaleSolana1.47MUSDC0%5.18%5.41%
AutofinanceBase5.73MUSDC3.71%7.03%5.37%
Fluid-lendingEthereum4.83MUSDC0%3.63%5.06%
Fluid-lendingEthereum161.70MUSDC1.25%4.64%5.06%
Euler-v2Ethereum18.55MUSDC0%3.72%4.95%
Yo-protocolEthereum3.88MUSDC12%14.12%4.81%
Yo-protocolBase20.40MUSDC12%14.12%4.81%
Fluid-lendingEthereum114.79MUSDT1.76%5.47%4.76%
Woofi-earnArbitrum1.14MUSDC0%4.73%4.73%
MapleEthereum1.25BUSDT0%3.78%4.7%
Flux-financeEthereum1.57MUSDT0%4.6%4.67%
Hyperlend-pooledHyperliquid L113.58MUSDC0%4.16%4.59%
Harvest-financeEthereum1.08MUSDC0%1.81%4.59%
Harvest-financeEthereum1.08MUSDC0%1.81%4.59%
Folks-finance-xchainPolygon1.19MUSDT0%3.7%4.56%
Lazy-summer-protocolBase1.72MUSDC0.86%3.69%4.54%
SparklendEthereum33.76MUSDT0%2.16%4.27%
Folks-finance-lendingAlgorand1.49MUSDC0%3.55%4.22%
SparklendEthereum3.06MUSDC0%4.1%4.15%
Moonwell-lendingBase1.64MUSDC1.45%4.17%4%
ExactlyOP Mainnet1.59MUSDC0%3%3.99%
ExactlyOP Mainnet1.59MUSDC0%3.66%3.98%
NeverlandMonad14.90MUSDC4.61%8.39%3.92%
ExactlyOP Mainnet1.59MUSDC0%4.13%3.82%
ExactlyOP Mainnet1.59MUSDC0%3.47%3.81%
Euler-v2Ethereum2.75MUSDC0%3.82%3.78%
Flux-financeEthereum2.43MUSDC0%3.76%3.77%
ExactlyOP Mainnet1.59MUSDC0%2.32%3.76%
Spark-savingsAvalanche47.20MUSDC0%3.75%3.75%
Spark-savingsEthereum467.54MUSDC0%3.75%3.75%
ExactlyOP Mainnet1.59MUSDC0%3.9%3.74%
Yearn-financeEthereum9.58MDAI0%3.27%3.72%
ExactlyOP Mainnet1.59MUSDC0%3.95%3.71%
ExactlyOP Mainnet1.59MUSDC0%3.89%3.7%
ExactlyOP Mainnet1.59MUSDC0%3.65%3.66%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum546.4M7.46%
Avalanche248.3M4.63%
Base9105.3M6.29%
BSC338M8.17%
Ethereum242.2B6.23%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.2M4.56%
Solana28.7M6.98%
TON14M7%
zkSync Era000%