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
08/09/2026 10:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Harvest-financeEthereum1.16MUSDC0%9.19%24.08%
Gains-networkArbitrum4.51MUSDC0%8.44%20.74%
EnsuroEthereum1.15MUSDC0%21.61%20.64%
Harvest-financeBase1.84MUSDC0%13.07%20.26%
Neutral-tradeSolana2.26MUSDC0%30.79%19.36%
AvantisBase10.70MUSDC0%6.04%17.42%
Neutral-tradeSolana2.29MUSDC0%9.36%15.71%
AccountableEthereum1.68MUSDC21.76%26.47%14.98%
AccountableEthereum1.06MUSDC0%15.44%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum6.91MUSDC0%12.88%12.9%
AccountableEthereum11.73MUSDC0%11.85%12.51%
AccountableMonad5.04MUSDC0.46%12.12%11.64%
Ember-protocolSui1.35MUSDC0%10.18%11.58%
AccountableEthereum3.20MUSDC0%11.84%11.38%
AccountableMonad74.99MUSDC0.29%13.12%11.2%
Pareto-creditEthereum11.01MUSDC0%10.58%10.59%
Ember-protocolSui7.58MUSDC0%10.23%10.03%
AguaEthereum7.70MUSDC0%10%10%
Ember-protocolEthereum17.30MUSDC0%8.85%9.92%
Ember-protocolEthereum10.28MUSDC0%9.59%9.72%
Ember-protocolEthereum3.37MUSDC0%9.61%9.54%
Pareto-creditEthereum2.18MUSDC0%9.38%9.38%
Euler-v2Monad1.13MUSDC1.25%9.43%9.26%
Sentora-curatorEthereum65.40MUSDC0%6.54%8.47%
Fusion-by-iporEthereum1.04MUSDC0%8.29%8.29%
YieldseekerBase1.08MUSDC0%8.85%8.23%
Blend-pools-v2Stellar9.76MUSDC0%6.68%8.16%
Midas-rwaEthereum6.71MUSDC0%7.34%8.03%
Midas-rwaEthereum2.51MUSDC0%7.34%8.03%
Bitway-earnBSC25.01MUSDT0%8%8%
Ember-protocolSui9.42MUSDC4%12%8%
Pareto-creditEthereum146.06MUSDC0%7.97%7.82%
Midas-rwaEthereum7.76MUSDC0%8.31%7.58%
Bitway-earnBSC6.53MUSDT0%6.69%7.5%
Midas-rwaEthereum64.68MUSDC0%8.61%7.49%
Harmonix-financeHyperliquid L122.76MUSDC0%6.58%7.34%
Harvest-financeBase1.07MUSDC0%6.62%7.06%
AccountableMonad1.63MUSDC0.4%7.64%7.03%
Zerobase-cedefiEthereum14.05MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.63MUSDT2%9%7%
Fusion-by-iporEthereum1.27MUSDC0%5.66%6.94%
Fusion-by-iporEthereum2.59MUSDC0%5.82%6.84%
Fusion-by-iporBase1.07MUSDC0%6.08%6.83%
Yearn-financeEthereum6.08MUSDC0%6.61%6.81%
Yearn-financeEthereum9.39MUSDC0%6.43%6.8%
Zerobase-cedefiBSC18.53MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.01MUSDC2%8.76%6.76%
LoopscaleSolana2.36MUSDC0.31%6.98%6.63%
Pareto-creditEthereum22.01MUSDC0%7.11%6.62%
Midas-rwaEthereum36.86MUSDC0%6.72%6.43%
Extra-finance-leverage-farmingBase3.64MUSDC0%6.96%6.35%
Centrifuge-protocolEthereum7.53MUSDC0%5.17%6.16%
AccountableMonad9.37MUSDC0.44%7.02%6.13%
Nawa-protocolZIGChain3.42MUSDC0%8.46%6.1%
SymbiosisEthereum1.58MUSDC0%4.81%5.86%
Kamino-lendSolana10.48MUSDC0%7.25%5.82%
Alchemix-v3Ethereum7.87MUSDC0%4.96%5.73%
AutofinanceBase4.74MUSDC5.29%8.11%5.66%
Midas-rwaEthereum6.42MUSDC0%7.85%5.43%
Midas-rwaEtherlink1.12MUSDC0%7.85%5.43%
SymbioticEthereum1.01MUSDC0%5.72%5.39%
SymbioticEthereum1.01MUSDC0%5.72%5.39%
Fluid-lendingEthereum146.59MUSDC0%4.96%5.37%
Fluid-lendingEthereum4.01MUSDC0%4.96%5.37%
Storm-tradeTON3.04MUSDT0%5.44%5.36%
Fluid-lendingBase9.08MUSDC0%5.05%5.21%
AutofinanceEthereum8.05MUSDC0.87%5.93%5.18%
Compound-v3Ethereum35.24MUSDC0%4.54%5.16%
Yearn-financeBase1.74MUSDC0%4.99%5.05%
Hyperlend-pooledHyperliquid L121.26MUSDC0%6.27%5.02%
Midas-rwaEthereum1.80MUSDC0%10.57%4.98%
Kamino-lendSolana2.62MUSDC0%5.79%4.96%
Native-credit-poolEthereum1.14MUSDC0%4.84%4.93%
Aave-v3Avalanche4.95MUSDC0%3.66%4.81%
MapleEthereum0.99BUSDT0%4.41%4.8%
Fusion-by-iporBase1.19MUSDC3.5%7.37%4.76%
Navi-lendingSui7.52MUSDC0.48%5.52%4.75%
Midas-rwaEtherlink4.83MUSDC0%10.83%4.71%
Lista-lendingBSC2.68MUSDT0.76%7.17%4.66%
LoopscaleSolana1.36MUSDC7.29%10.04%4.57%
Fluid-lendingEthereum130.97MUSDT0%4.77%4.55%
Flux-financeEthereum1.89MUSDT0%4.43%4.47%
DolomiteArbitrum1.26MUSDC0%4.36%4.43%
Aave-v3Monad12.49MUSDC0.91%5.54%4.4%
ExactlyOP Mainnet1.74MUSDC0%4.37%4.38%
ExactlyOP Mainnet1.74MUSDC0%4.31%4.33%
Jupiter-lendSolana457.47MUSDC0.39%5.09%4.32%
ExactlyOP Mainnet1.74MUSDC0%4.27%4.31%
Euler-v2Monad1.05MUSDC1.25%3.99%4.29%
ExactlyOP Mainnet1.74MUSDC0%4.21%4.25%
TermmaxEthereum3.32MUSDC0%4.05%4.2%
ExactlyOP Mainnet1.74MUSDC0%4.21%4.2%
ExactlyOP Mainnet1.74MUSDC0%4.08%4.15%
Kamino-lendSolana4.92MUSDC0%6.06%4.09%
ExactlyOP Mainnet1.74MUSDC0%3.87%4.08%
Yo-protocolBase8.40MUSDC0%4.09%4.06%
Yo-protocolEthereum1.35MUSDC0%4.09%4.06%
Jupiter-lendSolana17.46MUSDT0%3.87%3.97%
Aave-v3Avalanche2.43MUSDT0%3.75%3.96%
Ember-protocolEthereum2.04MUSDC0%3.51%3.93%
Fluid-lendingArbitrum61.56MUSDC0%4.42%3.92%
Yearn-financeEthereum2.39MUSDC0%3.69%3.88%
TydroInk11.42MUSDC0%3.03%3.85%
ExactlyOP Mainnet1.74MUSDC0%4.02%3.82%
Aave-v3Base18.17MUSDC0%3.52%3.82%
Yearn-financeEthereum19.88MUSDC0%3.52%3.79%
Midas-rwaEthereum3.49MUSDC0%3.78%3.78%
Benqi-lendingAvalanche4.58MUSDC0%4.54%3.77%
AmpleBase4.40MUSDC0%4.06%3.77%
ExactlyOP Mainnet1.74MUSDC0%3.35%3.74%
Flux-financeEthereum2.59MUSDC0%3.73%3.73%
Neutral-tradeSolana3.34MUSDC0%5.73%3.73%
Midas-rwaEthereum72.57MUSDC0%3.28%3.64%
Midas-rwaEtherlink1.22MUSDC0%3.29%3.64%
Aave-v4Ethereum1.17MUSDC0%3.98%3.64%
Aave-v3Ethereum142.49MUSDC0%3.83%3.62%
Aave-v3Ethereum58.57MUSDC1.66%5.33%3.62%
Aave-v3Polygon1.17MDAI0%4.13%3.62%
Spark-savingsEthereum309.62MUSDC0%3.53%3.6%
Spark-savingsAvalanche9.51MUSDC0%3.53%3.6%
Aave-v3Ethereum209.39MUSDT0%3.23%3.56%
Aave-v3Ethereum68.58MUSDT1.49%4.65%3.56%
SparklendEthereum2.04MUSDC0%3.49%3.54%
Yearn-financeEthereum5.78MUSDT0%3.19%3.4%
Aave-v4Ethereum1.36MUSDT0%2.97%3.39%
Yearn-financeEthereum7.44MDAI0%3.19%3.36%
Centrifuge-protocolAvalanche262MUSDC0%5.18%3.35%
Centrifuge-protocolBase50.52MUSDC0%5.18%3.35%
Kamino-lendSolana26.54MUSDC0%4.99%3.33%
Kamino-lendSolana2.31MUSDC0%5.07%3.32%
Native-credit-poolEthereum1.83MUSDT0%3.14%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
DolomiteEthereum30.50MUSDC4.01%7.51%3.26%
Spark-savingsEthereum360.81MUSDT0%3.1%3.25%
CurvanceMonad2.33MUSDC2.25%5.28%3.17%
Euler-v2Ethereum3.86MUSDC0%3.18%3.16%
Kamino-lendSolana2.46MUSDT0%4.08%3.15%
Native-credit-poolBSC1.58MUSDT0%3.09%3.14%
Aave-v3Ethereum1.20MUSDC0%2.61%3.1%
Aave-v3Ethereum17.43MDAI0%2.78%3.07%
Compound-v3Ethereum30.14MUSDT0%3.09%3.01%
SaveSolana5.87MUSDC0%2.54%2.97%
Aave-v3BSC10.33MUSDT0%2.3%2.92%
Aave-v3BSC2.58MUSDC0%2.89%2.88%
Compound-v3Arbitrum2.98MUSDC0%2.78%2.87%
Venus-core-poolBSC60.33MUSDT0%2.36%2.84%
Aave-v3Polygon12.49MUSDC0%2.84%2.76%
Aave-v3Arbitrum32.52MUSDC0%2.44%2.65%
SparklendEthereum67.57MUSDT0%3.49%2.62%
Compound-v3Arbitrum4.02MUSDT0%2.43%2.61%
Aave-v3OP Mainnet2.26MUSDC0%2.55%2.56%
Venus-fluxBSC2.07MUSDT0%2.5%2.55%
Centrifuge-protocolEthereum1.87MUSDC0%2.14%2.53%
Aave-v3Mantle1.74MUSDC0%1.83%2.51%
SparklendEthereum100.09MDAI0%2.23%2.46%
Lista-lendingBSC2.66MUSDT0%2.26%2.35%
Justlend-v1Tron70.48MUSDT0%2.3%2.33%
Centrifuge-protocolMonad4.55MUSDC0%3.46%2.09%
Centrifuge-protocolPharos4.40MUSDC0%3.48%2.09%
Midas-rwaEthereum26.21MUSDC0%5.02%2.04%
Venus-core-poolBSC21.15MUSDC0%2.22%2.04%
Aave-v3Arbitrum1.10MDAI0%1.99%1.98%
CurrentSui14.08MUSDC7.43%9.59%1.92%
Aave-v3Sonic1.15MUSDC0%1.86%1.85%
Venus-core-poolBSC1.02MDAI0%1.83%1.83%
Euler-v2Ethereum1.63MUSDC25%14.43%1.8%
Echelon-marketAptos1.44MUSDC1.61%3.43%1.79%
SaveSolana2.37MUSDT0%1.57%1.78%
NeverlandMonad2.01MUSDC7.27%8.88%1.63%
Gami-labsBase3.02MUSDC0%2.45%1.57%
Spectra-metavaultsBase3.02MUSDC0%2.47%1.57%
Aave-v4Ethereum2.03MUSDC0%1.82%1.42%
Lista-lendingBSC2.75MUSDT0%1.28%1.36%
Lista-lendingEthereum4.51MUSDC6.94%6.91%1.01%
ExactlyOP Mainnet1.74MUSDC0%0.95%0.87%
Zest-v2Stacks10.14MUSDC0%0.61%0.77%
Lista-lendingEthereum3.32MUSDT5.63%6.01%0.54%
Aave-v4Avalanche4.66MUSDC4.67%3.25%0.46%
Kamino-lendSolana2.95MUSDC0%0.32%0.43%
AcrossEthereum1.10MUSDC4.13%4.22%0.38%
Aave-v4Avalanche2.11MUSDT6.53%3.26%0.19%
AcrossEthereum1.58MUSDT1.24%1.36%0.16%
TectonicCronos53.76MUSDC0%0.12%0.12%
CredixSolana13.46MUSDC0%0.04%0.04%
TectonicCronos84.62MUSDT0%0.2%0%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum8115.6M5.77%
Avalanche7290.2M2.88%
Base17134.2M6.59%
BSC14159.2M3.97%
Ethereum773.4B5.91%
Hyperliquid000%
Mantle11.7M2.51%
Optimism000%
Polygon213.7M3.19%
Solana17560.5M5.19%
TON13M5.36%
zkSync Era000%