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 Mar 16 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
18/03/2026 18:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bracket-vaultsEthereum3.29MUSDC0%13.32%12.62%
BitwayBSC14.88MUSDT0%12%12%
Euler-v2Avalanche3.99MUSDC0%6.27%10.36%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
AvantisBase79.73MUSDC0%10.27%9.76%
Blend-pools-v2Stellar11.07MUSDC0%9.83%8.63%
Gains-networkBase1.87MUSDC0%5.96%7.77%
Zerobase-cedefiBSC23.85MUSDT2%9.76%7.76%
Zerobase-cedefiEthereum14.08MUSDT2%9%7%
Zerobase-cedefiArbitrum7.95MUSDT2%9%7%
Zerobase-cedefiBSC1.38MUSDC2%9%7%
LoopscaleSolana1.68MUSDC1.24%7.56%6.62%
Yearn-financeEthereum3.66MUSDC0%5.83%6.56%
Yearn-financeEthereum1.56MUSDC0%6.3%6.43%
Harvest-financeBase2.94MUSDC0%5.6%5.74%
DeltaprimeAvalanche1.09MUSDC0%5.76%5.63%
Yo-protocolBase32.81MUSDC12%18.99%5.54%
Yo-protocolEthereum11.34MUSDC12%16.86%5.54%
SymbiosisEthereum1.18MUSDC0%4.12%5.52%
Yearn-financeEthereum3.26MUSDC0%4.87%5.51%
WasabiSolana1.53MUSDC0%5.25%5.35%
Extra-finance-leverage-farmingBase4.50MUSDC0%5.25%5.31%
SymbiosisTron1.12MUSDT0%4.06%5.22%
AbyssSui1.79MUSDC0%9.03%4.97%
Fusion-by-iporBase1.74MUSDC0%5.37%4.9%
Benqi-lendingAvalanche1.27MUSDT0%4.44%4.79%
AutofinanceEthereum8.73MUSDC0%1.04%4.75%
Woofi-earnArbitrum1.19MUSDC0%6.54%4.74%
DolomiteEthereum9.30MUSDC0%4.29%4.63%
Flux-financeEthereum1.71MUSDT0%4.57%4.56%
AutofinanceEthereum21.17MUSDC0.35%6.11%4.56%
Gains-networkArbitrum12.74MUSDC0%8.39%4.51%
AcrossEthereum1.09MDAI0.53%3.68%4.44%
AcrossEthereum1.09MDAI0.53%3.68%4.44%
LoopscaleSolana5.98MUSDC0%3.78%4.33%
ExactlyOptimism1.74MUSDC0%4.18%4.2%
Yearn-financeEthereum7.09MUSDT0%4.39%4.19%
Spark-savingsEthereum420.52MUSDT0%3.4%4.18%
ExactlyOptimism1.74MUSDC0%4.15%4.18%
AutofinanceArbitrum1.36MUSDC1.52%6.35%4.16%
Flux-financeEthereum1.54MUSDC0%4.19%4.15%
SparklendEthereum1.80MUSDC0%3.29%4.14%
ExactlyOptimism1.74MUSDC0%4.08%4.12%
Scallop-lendSui2.34MUSDC0%4.63%4.02%
ExactlyOptimism1.74MUSDC0%3.98%4.01%
AutofinanceBase13.95MUSDC1.25%5.9%3.98%
ExactlyOptimism1.74MUSDC0%3.81%3.93%
ExactlyOptimism1.74MUSDC0%3.95%3.91%
MapleEthereum2.04BUSDT0%4.22%3.87%
Harvest-financeEthereum1.10MUSDC0%3.66%3.85%
Euler-v2Ethereum36.29MUSDC0%4.27%3.83%
Spark-savingsAvalanche117.82MUSDC0%3.91%3.75%
Spark-savingsEthereum459.41MUSDC0%3.91%3.75%
Benqi-lendingAvalanche6.49MUSDC0%3.4%3.72%
ExactlyOptimism1.74MUSDC0%2.18%3.68%
Folks-finance-xchainPolygon1.89MUSDT0%3.59%3.65%
ExactlyOptimism1.74MUSDC0%1.51%3.64%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum423.2M5.1%
Avalanche5130.7M5.65%
Base7137.5M6.14%
BSC340.1M8.92%
Ethereum223.1B5.39%
Hyperliquid000%
Mantle000%
Optimism813.9M3.96%
Polygon11.9M3.65%
Solana39.2M5.43%
TON000%
zkSync Era000%