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 3.69% on Jul 09 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
13/07/2026 22:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Centrifuge-protocolMonad10.04MUSDC0%4.9%19.49%
AccountableEthereum1.04MUSDC0%14.26%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Harvest-financeBase1.87MUSDC0%16.87%12.97%
Ember-protocolEthereum6.11MUSDC0%12.82%12.9%
AccountableEthereum2.14MUSDC0%9.92%11.66%
AccountableMonad47.28MUSDC0.37%11.89%11.6%
Midas-rwaEtherlink4.31MUSDC0%6.72%11%
Pareto-creditEthereum15.17MUSDC0%10.59%10.59%
Midas-rwaEthereum46.05MUSDC0%10.55%10.58%
Midas-rwaMonad2.94MUSDC0%10.55%10.58%
Midas-rwaEthereum73.49MUSDC0%13%10.33%
Ember-protocolSui1.09MUSDC0%9.57%10.32%
GoldfinchEthereum36.72MUSDC0%10.12%10.12%
AccountableMonad8.97MUSDC0.5%9.15%10.07%
AccountableMonad5.20MUSDC0.49%10.44%10%
Ember-protocolSui2.84MUSDC0%9.27%9.82%
Ember-protocolEthereum3.28MUSDC0%9.3%9.47%
Bracket-vaultsEthereum2.75MUSDC0%9.77%9.44%
Pareto-creditEthereum2.13MUSDC0%9.38%9.38%
YieldseekerBase1.89MUSDC0%7.91%9.23%
Midas-rwaEthereum1.98MUSDC0%9.82%9.2%
Midas-rwaEthereum7.72MUSDC0%8.81%9%
Ember-protocolSui1.36MUSDC0%8.32%8.77%
AvantisBase29.07MUSDC0%9.75%8.55%
Ember-protocolSui5.80MUSDC0%6.15%8.54%
Pareto-creditEthereum153.35MUSDC0%8.31%8.31%
Midas-rwaEthereum29.02MUSDC0%2.31%8.27%
Harmonix-financeHyperliquid L119.97MUSDC0%9.38%8.17%
LazyEthereum1.03MUSDC0%8.73%8.14%
LazyEthereum1.03MUSDC0%8.73%8.14%
AccountableEthereum4.03MUSDC10.02%14.61%8.11%
Bitway-earnBSC23.27MUSDT0%9.14%8%
Ember-protocolSui7MUSDC4%12%8%
Midas-rwaEthereum4.54MUSDC0%5.87%7.82%
Blend-pools-v2Stellar11.84MUSDC0%6.81%7.49%
Pareto-creditEthereum21.81MUSDC0%7.13%7.13%
Midas-rwaEthereum6.64MUSDC0%7.86%7.12%
Midas-rwaEthereum2.50MUSDC0%7.85%7.12%
AccountableMonad1.62MUSDC0.5%7.34%7.03%
Gami-labsStellar15.17MUSDC0%7%7%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Zerobase-cedefiArbitrum7.63MUSDT2%9%7%
Extra-finance-leverage-farmingBase3.35MUSDC0%6.58%6.96%
Ember-protocolSui1.13MUSDC6.39%12.19%6.84%
Yearn-financeEthereum5.67MUSDC0%5.61%6.83%
Ember-protocolSui1.20MUSDC0%10.8%6.79%
Harvest-financeEthereum1.17MUSDC0%7.67%6.77%
Zerobase-cedefiBSC21.41MUSDT2%8.76%6.76%
Zerobase-cedefiBSC1.94MUSDC2%8.76%6.76%
AutofinanceEthereum8.66MUSDC0.4%6.46%6.61%
Fluid-lendingArbitrum38.45MUSDC0%5.79%6.18%
Kamino-lendSolana5.09MUSDC0%6.85%6.16%
Fusion-by-iporEthereum1.92MUSDC0%6.11%6.09%
SparklendEthereum15.62MUSDT0%3.23%6.05%
Yearn-financeEthereum8.98MUSDC0%5.68%5.84%
Hyperlend-pooledHyperliquid L111.41MUSDC0%6.3%5.79%
Storm-tradeTON3.62MUSDT0%5.96%5.76%
Centrifuge-protocolMonad4.53MUSDC0%3.23%5.75%
Native-credit-poolEthereum5.44MUSDC0%3.48%5.69%
Native-credit-poolBSC5.05MUSDT0%3.76%5.59%
AutofinanceBase5.93MUSDC2.1%7.28%5.55%
SymbiosisTron1.29MUSDT0%6.16%5.35%
Fluid-lendingBase8.87MUSDC0%5.56%5.29%
Navi-lendingSui5.96MUSDC0.43%5.88%5.24%
DolomiteArbitrum1.14MUSDC0%4.24%5.1%
Yearn-financeEthereum1.19MUSDC0%4.4%5.05%
Fluid-lendingEthereum134.87MUSDC0%6.25%5.05%
Fluid-lendingEthereum9.43MUSDC0%5.66%5.05%
SymbiosisEthereum1.30MUSDC0%6.47%4.95%
Yearn-financeBase1.76MUSDC0%4.89%4.92%
Fluid-lendingEthereum126.70MUSDT0%5.7%4.88%
Aave-v3Avalanche2.15MUSDT0%3.58%4.76%
Native-credit-poolEthereum2.10MUSDT0%3.03%4.73%
Flux-financeEthereum1.90MUSDT0%4.47%4.45%
Kamino-lendSolana7.83MUSDC0%4.7%4.33%
ExactlyOP Mainnet1.75MUSDC0%4.18%4.29%
TermmaxEthereum4.91MUSDC0%3.35%4.29%
Gains-networkArbitrum6.76MUSDC0%6.56%4.24%
ExactlyOP Mainnet1.75MUSDC0%4.16%4.21%
ExactlyOP Mainnet1.75MUSDC0%4.1%4.2%
TermmaxBase1.20MUSDC0%4.08%4.2%
Euler-v2Monad2.19MUSDC2.63%5.66%4.15%
MapleEthereum0.99BUSDT0%4.09%4.13%
ExactlyOP Mainnet1.75MUSDC0%4.07%4.12%
Benqi-lendingAvalanche3.90MUSDC0%3.75%4.12%
Yo-protocolBase10.13MUSDC0%4.27%4.12%
Yo-protocolEthereum2.38MUSDC0%4.27%4.12%
ExactlyOP Mainnet1.75MUSDC0%3.99%4.1%
Aave-v3OP Mainnet1.06MUSDC0%2.98%4.03%
Midas-rwaEthereum7.15MUSDC0%3.23%4.03%
Midas-rwaEtherlink1.11MUSDC0%3.23%4.03%
Moonwell-lendingBase2.37MUSDC0.35%5.31%4.03%
Lista-lendingBSC2.06MUSDT0.81%6.55%4.03%
AmpleBase4.30MUSDC0%4.51%4.02%
ExactlyOP Mainnet1.75MUSDC0%3.97%4.01%
ExactlyOP Mainnet1.75MUSDC0%3.8%3.96%
Folks-finance-xchainPolygon1.28MUSDT0%3.96%3.94%
ExactlyOP Mainnet1.75MUSDC0%3.68%3.92%
Lista-lendingBSC6MUSDT0%4.63%3.87%
ExactlyOP Mainnet1.75MUSDC0%4.03%3.85%
Jupiter-lendSolana16.27MUSDT0%3.17%3.76%
Aave-v3Polygon1.12MDAI0%4.78%3.74%
Flux-financeEthereum2.59MUSDC0%3.72%3.72%
Kamino-lendSolana2.03MUSDC0%4.38%3.7%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum454M5.63%
Avalanche26.1M4.44%
Base1170.7M6.35%
BSC659.7M5.83%
Ethereum411.8B7.38%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon22.4M3.84%
Solana431.2M4.49%
TON13.6M5.76%
zkSync Era000%