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
12/08/2026 10:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AzuroPolygon1.33MUSDT0%29.82%65.22%
Neutral-tradeSolana2.22MUSDC0%35.35%23.77%
AccountableMonad7.65MUSDC1.01%29.87%22.11%
Neutral-tradeSolana1.02MUSDC0%45.32%19.16%
Midas-rwaEthereum1.73MUSDC0%10.87%15.39%
Midas-rwaEtherlink4.80MUSDC0%9.39%15.16%
Euler-v2Monad1.42MUSDC1.25%9.8%14.57%
AccountableMonad100.30MUSDC0.29%17.15%14.4%
AccountableEthereum1.07MUSDC1.25%14.48%14.25%
Ember-protocolSui1.22MUSDC0%11.9%13.98%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum7.08MUSDC0%12.84%12.9%
AccountableEthereum4.13MUSDC9.67%22.29%12.21%
AccountableMonad5.05MUSDC0.5%12.12%11.64%
Neutral-tradeSolana1.13MUSDC0%5.44%11.59%
Ember-protocolSui1.31MUSDC0%8.97%11.16%
Pareto-creditEthereum15.29MUSDC0%10.59%10.58%
Harvest-financeBase1.86MUSDC0%11.83%10.48%
YieldseekerBase1.27MUSDC0%8.95%10.28%
GoldfinchEthereum35.94MUSDC0%10.14%10.21%
Ember-protocolSui6.49MUSDC0%9.3%10.13%
Midas-rwaEthereum27.21MUSDC0%4.69%10%
AccountableMonad1.04MUSDC0%10.23%10%
Midas-rwaEthereum71.88MUSDC0%10.26%9.99%
AccountableEthereum3.33MUSDC0%10.8%9.72%
Ember-protocolEthereum3.35MUSDC0%9.43%9.64%
Midas-rwaEthereum8.07MUSDC0%9.45%9.5%
Pareto-creditEthereum2.14MUSDC0%9.38%9.38%
Ember-protocolSui1.07MUSDC0%9.58%9.32%
Bracket-vaultsEthereum2.60MUSDC0%9.32%9.31%
Midas-rwaEthereum6.40MUSDC0%7.02%9.23%
Midas-rwaEtherlink1.12MUSDC0%7.04%9.23%
Ember-protocolEthereum5.92MUSDC0%7.12%9.18%
Midas-rwaEthereum39.38MUSDC0%9.82%9%
Neutral-tradeSolana3.17MUSDC0%7.76%8.69%
AvantisBase20.84MUSDC0%9.6%8.41%
Nawa-protocolZIGChain3.72MUSDC0%8.88%8.29%
Pareto-creditEthereum167.55MUSDC0%8.23%8.02%
Bitway-earnBSC24.59MUSDT0%8%8%
Ember-protocolSui8.23MUSDC4%12%8%
Ember-protocolEthereum16.88MUSDC0%6.76%7.98%
SymbiosisTron1.22MUSDT0%5.35%7.77%
AccountableMonad10.09MUSDC0.49%9.09%7.67%
Midas-rwaEthereum6.68MUSDC0%7.5%7.48%
Midas-rwaEthereum2.50MUSDC0%7.49%7.48%
SentoraEthereum46.66MUSDC0%6.57%7.28%
AccountableMonad1.08MUSDC0.5%7.69%7.28%
Ember-protocolSui1.16MUSDC3.82%11.4%7.25%
Extra-finance-leverage-farmingBase3.24MUSDC0%6.78%7.23%
Moonwell-lendingBase1.37MUSDC0.32%5.4%7.13%
Pareto-creditEthereum21.94MUSDC0%7.13%7.13%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
LoopscaleSolana1.47MUSDC0.26%7.04%6.94%
Zerobase-cedefiBSC20.06MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.03MUSDC2%8.76%6.76%
Yo-protocolBase1.10MUSDC0%6.84%6.72%
Yearn-financeEthereum7.04MUSDC0%7.1%6.68%
Yearn-financeEthereum1.19MUSDC0%6.07%6.57%
Harmonix-financeHyperliquid L117.61MUSDC0%7.23%6.52%
Kamino-lendSolana4.15MUSDC0%6.9%6.51%
Blend-pools-v2Stellar15.65MUSDC0%7.4%6.39%
Centrifuge-protocolEthereum5.74MUSDC0%4.38%6.1%
SymbiosisEthereum1.19MUSDC0%4.45%6.01%
Hyperlend-pooledHyperliquid L111.75MUSDC0%7.3%5.9%
SymbioticEthereum1MUSDC0%5.75%5.77%
SymbioticEthereum1MUSDC0%5.75%5.77%
Harvest-financeEthereum1.16MUSDC0%6.46%5.64%
Fusion-by-iporEthereum1.40MUSDC0%5.6%5.61%
Storm-tradeTON3.18MUSDT0%5.7%5.56%
Fluid-lendingBase8.99MUSDC0%5.27%5.51%
Native-credit-poolEthereum3.42MUSDC0%4.37%5.5%
SparklendEthereum14.64MUSDT0%3.56%5.45%
Fluid-lendingEthereum149.35MUSDC0%5.15%5.39%
Fluid-lendingEthereum8.89MUSDC0%5.15%5.39%
Yearn-financeEthereum9.09MUSDC0%5.94%5.3%
AutofinanceBase4.85MUSDC2.63%7.96%5.18%
Lista-lendingBSC1.94MUSDT0%6.96%5.08%
AutofinanceEthereum8.54MUSDC0.42%6.32%5.04%
Fluid-lendingArbitrum38.69MUSDC0%5.22%4.99%
Centrifuge-protocolAvalanche261.06MUSDC0%4.38%4.96%
Centrifuge-protocolBase50.34MUSDC0%4.38%4.96%
Yearn-financeBase1.81MUSDC0%4.93%4.91%
AmpleBase4.40MUSDC0%4.08%4.77%
LoopscaleSolana1.94MUSDC0%5.1%4.71%
Alchemix-v3Ethereum7.48MUSDC0%4.57%4.68%
Navi-lendingSui7.44MUSDC0.43%5.46%4.67%
Kamino-lendSolana1.19MUSDC0%4.39%4.6%
Benqi-lendingAvalanche3.17MUSDC0%4.05%4.58%
Yo-protocolBase9.71MUSDC0%4.26%4.51%
Yo-protocolEthereum1.84MUSDC0%4.26%4.51%
Neutral-tradeSolana2.50MUSDC0%5.09%4.43%
SymbioticEthereum1.54MUSDC0%4.41%4.41%
Flux-financeEthereum2.07MUSDT0%4.42%4.4%
ExactlyOP Mainnet1.54MUSDC0%4.34%4.37%
ExactlyOP Mainnet1.54MUSDC0%4.26%4.31%
ExactlyOP Mainnet1.54MUSDC0%4.2%4.25%
ExactlyOP Mainnet1.54MUSDC0%4.17%4.2%
DolomiteArbitrum1.42MUSDC0%4.61%4.2%
ExactlyOP Mainnet1.54MUSDC0%4.1%4.19%
ExactlyOP Mainnet1.54MUSDC0%4.07%4.13%
TermmaxBase1.14MUSDC0%4.02%4.09%
MapleEthereum0.95BUSDT0%4.22%4.08%
Fluid-lendingEthereum139.71MUSDT0%4.44%4.07%
TermmaxEthereum3.35MUSDC0%3.81%4.05%
ExactlyOP Mainnet1.54MUSDC0%3.76%4.03%
ExactlyOP Mainnet1.54MUSDC0%4.12%4.02%
Kamino-lendSolana15.59MUSDC0%4.03%3.87%
Aave-v3Avalanche5.44MUSDC0%3.74%3.85%
Jupiter-lendSolana433.93MUSDC0.7%4.87%3.83%
Midas-rwaEthereum4.55MUSDC0%5.83%3.78%
Flux-financeEthereum2.59MUSDC0%3.72%3.73%
ExactlyOP Mainnet1.54MUSDC0%3.48%3.7%
Compound-v3Ethereum33.60MUSDC0.1%3.56%3.65%
Aave-v3Base18.14MUSDC0%3.3%3.61%
Yearn-financeEthereum2.42MUSDC0%3.49%3.55%
Spark-savingsEthereum269.68MUSDC0%3.54%3.52%
Spark-savingsAvalanche11.76MUSDC0%3.54%3.52%
Ember-protocolSui1.19MUSDC0%3.39%3.52%
DolomiteEthereum25.35MUSDC4.45%7.51%3.49%
SparklendEthereum1.75MUSDC0%3.53%3.47%
Yearn-financeEthereum7.15MUSDT0%3.11%3.37%
Yearn-financeEthereum26.38MUSDC0%3.28%3.32%
Zerobase-cedefiOP Mainnet8.06MUSDT2%5.3%3.3%
Aave-v3Ethereum186.66MUSDC0%3.7%3.27%
Aave-v3Ethereum64.79MUSDC1.5%6.09%3.27%
Aave-v3Monad13.79MUSDC2.41%7.42%3.24%
Jupiter-lendSolana18.37MUSDT0%3.27%3.22%
Aave-v3Ethereum12.78MDAI0%3.9%3.21%
Midas-rwaEthereum64.76MUSDC0%3.17%3.18%
Midas-rwaEtherlink1.22MUSDC0%3.19%3.18%
Aave-v3Avalanche3.09MUSDT0%3.21%3.12%
Euler-v2Ethereum7.28MUSDC0%3.13%3.06%
Aave-v4Ethereum1.15MUSDC0%3.71%3.04%
Compound-v3Ethereum27.84MUSDT0.1%3.07%3.04%
Centrifuge-protocolMonad4.54MUSDC0%3.85%3.03%
Centrifuge-protocolPharos4.35MUSDC0%3.57%3.03%
Yearn-financeEthereum9.46MDAI0%2.99%3.03%
Ember-protocolEthereum1.37MUSDC0%1.78%2.99%
Aave-v3OP Mainnet1.74MUSDC0%3.16%2.89%
Euler-v2Ethereum6.67MUSDC0%4.48%2.89%
Echelon-marketAptos1.12MUSDC1.63%3.66%2.83%
Kamino-lendSolana2.79MUSDT0%3.58%2.83%
Native-credit-poolBSC5.01MUSDT0%3.78%2.81%
Aave-v3Ethereum473.74MUSDT0%2.7%2.79%
Aave-v3Ethereum73.48MUSDT1.39%5.43%2.79%
Aave-v3Polygon12.74MUSDC0%2.74%2.79%
Gami-labsBase3.02MUSDC0%2.4%2.78%
Spectra-metavaultsBase3.02MUSDC0%2.4%2.78%
Spark-savingsEthereum347.51MUSDT0%2.75%2.75%
Compound-v3Arbitrum3.65MUSDC0%2.71%2.74%
Aave-v3Ethereum1.72MUSDC0%3.04%2.74%
Native-credit-poolEthereum1.81MUSDT0%3.19%2.73%
Gains-networkArbitrum6.04MUSDC0%4.9%2.72%
Aave-v3BSC2.66MUSDC0%2.79%2.7%
Ember-protocolSui3.73MUSDC0%5.82%2.69%
Aave-v3Ethereum1.53MUSDC0%2.09%2.67%
Scallop-lendSui1.19MUSDC0%2.99%2.58%
Venus-fluxBSC2.62MUSDT0%2.6%2.55%
SaveSolana5.30MUSDC0%2.4%2.48%
Benqi-lendingAvalanche1.88MUSDT0%2.51%2.44%
Aave-v3Arbitrum37.56MUSDC0%2.59%2.42%
SparklendEthereum112.65MDAI0%2.23%2.17%
Venus-core-poolBSC18.26MUSDC0%2.73%2.16%
Aave-v3Arbitrum1MDAI0%1.91%2.15%
Aave-v3BSC16.36MUSDT0%2.24%2.1%
Lista-lendingBSC4.07MUSDT0%4.09%2.09%
Justlend-v1Tron83.43MUSDT0%2.87%2.08%
Compound-v3Arbitrum8.87MUSDT0%1.95%1.97%
Aave-v4Ethereum4.96MUSDT0%3.03%1.9%
Venus-core-poolBSC89.61MUSDT0%2.26%1.9%
Aave-v3Sonic1.19MUSDC0%1.94%1.9%
CurrentSui7.80MUSDC7.46%9.01%1.88%
Lista-lendingBSC1.01MUSDT0%1.91%1.87%
Venus-core-poolBSC1.01MDAI0%1.79%1.84%
MetromKatana8.64MUSDC2.1%4.01%1.78%
MetromKatana2.46MUSDT0%1.75%1.76%
Aave-v4Ethereum1.11MUSDC0%1.4%1.62%
Aave-v4Ethereum1.16MUSDT0%1.3%1.53%
SaveSolana2.27MUSDT0%1.41%1.43%
TydroInk7.57MUSDC0%1.67%1.4%
Kamino-lendSolana1.29MUSDC0%1.35%1.35%
NeverlandMonad2.66MUSDC5.65%5.28%1.06%
ExactlyOP Mainnet1.54MUSDC0%0.95%1.01%
Lista-lendingBSC4.11MUSDT0%3.27%0.81%
Centrifuge-protocolPlume Mainnet20.70MUSDC0%2.31%0.66%
Centrifuge-protocolMonad10.03MUSDC0%4.18%0.66%
Zest-v2Stacks10.08MUSDC0%0.48%0.5%
Lista-lendingEthereum2.90MUSDC5.75%6.19%0.5%
Lista-lendingEthereum3.15MUSDT6.64%5.59%0.18%
AcrossEthereum1.58MUSDT1.22%1.52%0.18%
TectonicCronos44.83MUSDT0%0.15%0.15%
TectonicCronos54.13MUSDC0%0.12%0.12%
AcrossEthereum1.09MUSDC4.07%4.47%0.07%
CredixSolana13.48MUSDC0%0.1%0.04%
Aave-v4Avalanche4.97MUSDC0%0.64%0.03%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum8104.9M3.52%
Avalanche7291.4M3.21%
Base16135.1M5.83%
BSC14193.3M3.39%
Ethereum773.6B5.46%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon214.1M34%
Solana17511.8M6.44%
TON13.2M5.56%
zkSync Era000%