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
26/09/2026 22:00:05

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Neutral-tradeSolana2.30MUSDC0%29.52%72.22%
Gains-networkArbitrum4.52MUSDC0%28.76%39.59%
Harvest-financeBase1.85MUSDC0%45.12%23.94%
EnsuroEthereum1.31MUSDC0%20.62%21.65%
VerantaBase9.80MUSDC0%14.75%20.05%
AccountableEthereum1.96MUSDC18.75%36.64%19.22%
Ember-protocolSui2.23MUSDC0%3.42%18.96%
AccountableEthereum3.39MUSDC0%12.02%17.84%
Neutral-tradeSolana3.55MUSDC0%10.72%15.47%
AccountableEthereum1.05MUSDC0.75%14.93%14.25%
Midas-rwaEthereum1.70MUSDC0%8.15%13.66%
Ember-protocolEthereum1.64MUSDC0%29.6%12.93%
Ember-protocolEthereum3.94MUSDC0%12.97%12.9%
AccountableEthereum13.89MUSDC0%12.36%12.51%
AccountableMonad7.50MUSDC1.17%16.37%12.21%
Neutral-tradeSolana2.22MUSDC0%14.98%11.83%
AccountableMonad5.44MUSDC0.5%12.09%11.64%
AccountableMonad74.99MUSDC0.34%11.64%11.4%
Ember-protocolEthereum10.45MUSDC0%10.01%10.92%
Pareto-creditEthereum11.01MUSDC0%10.59%10.59%
Ember-protocolSui9.11MUSDC0%10.13%10.29%
Nawa-protocolZIGChain3.44MUSDC0%8.29%10.18%
AguaEthereum7.99MUSDC0%10%10%
Ember-protocolEthereum3.54MUSDC0%9.56%9.78%
Pareto-creditEthereum2.19MUSDC0%9.38%9.38%
Ember-protocolEthereum17.72MUSDC0%11.72%8.68%
Bitway-earnBSC23.13MUSDT0%8%8%
Ember-protocolSui8.75MUSDC4%12%8%
Sentora-curatorEthereum94.42MUSDC0%7.07%7.99%
Pareto-creditEthereum155.28MUSDC0%7.85%7.82%
Neutral-tradeSolana1.26MUSDC0%9.86%7.69%
Blend-pools-v2Stellar10.23MUSDC0%7.51%7.63%
Midas-rwaEthereum65.58MUSDC0%7.52%7.54%
Rhea-lendNear1.92MUSDC0%8.6%7.5%
Bitway-earnBSC6.50MUSDT0%7.5%7.5%
Harvest-financeBase1.12MUSDC0%7.27%7.39%
Centrifuge-protocolMonad10.07MUSDC0%1.67%7.25%
AccountableMonad2.34MUSDC0.5%7.31%7.03%
Zerobase-cedefiEthereum14.08MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.62MUSDT2%9%7%
Yearn-financeEthereum7.58MUSDC0%6.81%6.79%
Lista-lendingBSC1.38MUSDT0%2.91%6.78%
Zerobase-cedefiBSC18.10MUSDT2%8.76%6.76%
Midas-rwaEthereum5.18MUSDC0%6.96%6.76%
Midas-rwaEthereum2.52MUSDC0%6.96%6.76%
Zerobase-cedefiBSC2.19MUSDC2%8.76%6.76%
Rhea-lendNear1.94MUSDT0%10.14%6.62%
Pareto-creditEthereum22.06MUSDC0%6.8%6.62%
LoopscaleSolana2.32MUSDC0.33%7.09%6.59%
Euler-v2Monad5.86MUSDC1.25%7.88%6.56%
Midas-rwaEthereum26.25MUSDC0%7.07%6.48%
Midas-rwaEthereum31.46MUSDC0%6.43%6.47%
Kamino-lendSolana6.90MUSDC0%7.17%6.35%
Midas-rwaRobinhood Chain35.85MUSDC0%1.22%6.2%
Midas-rwaBase26.64MUSDC0%1.19%6.2%
Yearn-financeEthereum11.90MUSDC0%6.57%6.11%
Midas-rwaEthereum67.73MUSDC0%6.9%6.1%
Extra-finance-leverage-farmingBase3.79MUSDC0%6.38%6.07%
Fusion-by-iporEthereum1.28MUSDC0%6.46%6.06%
Harmonix-financeHyperliquid L121.33MUSDC0%6.92%5.97%
Midas-rwaEtherlink4.94MUSDC0%7.16%5.82%
Centrifuge-protocolAvalanche262.72MUSDC0%5%5.75%
Centrifuge-protocolBase22.67MUSDC0%5%5.75%
Centrifuge-protocolBSC1.02MUSDC0%5%5.75%
Centrifuge-protocolEthereum9.30MUSDC0%4.98%5.74%
Harvest-financeEthereum1.16MUSDC0%9.01%5.57%
Midas-rwaEthereum7.47MUSDC0%7.4%5.51%
SymbioticEthereum1.01MUSDC0%5.6%5.5%
SymbioticEthereum1.01MUSDC0%5.6%5.5%
AutofinanceBase3.63MUSDC5.68%9.9%5.37%
Alchemix-v3Ethereum7.78MUSDC0%5.51%5.33%
AccountableMonad7.42MUSDC0.5%6.03%5.23%
AutofinanceEthereum7.62MUSDC1.16%6.15%5.07%
Benqi-lendingAvalanche2.28MUSDC0%5.61%5.03%
Centrifuge-protocolEthereum2.28MUSDT0%3.29%4.95%
Native-credit-poolEthereum1.09MUSDC0%4.93%4.93%
Yearn-financeBase1.50MUSDC0%5%4.92%
Aave-v3Ethereum176.15MUSDT0%3.52%4.81%
Aave-v3Ethereum65.07MUSDT1.57%4.99%4.81%
MapleEthereum628.21MUSDT0%4.72%4.8%
Storm-tradeTON2.73MUSDT0%5.22%4.8%
Kamino-lendSolana3.27MUSDC0%5.22%4.79%
Lista-lendingBSC1.83MUSDT0%6.62%4.78%
Midas-rwaEthereum6.43MUSDC0%4.03%4.74%
Midas-rwaEtherlink1.12MUSDC0%4%4.74%
Kamino-lendSolana1.26MUSDC0%4.51%4.7%
Kamino-lendSolana7.81MUSDC0%4.55%4.68%
Kamino-lendSolana2.29MUSDC0%5.41%4.68%
Aave-v3Avalanche5.88MUSDC0%4.54%4.64%
Navi-lendingSui10.38MUSDC0.57%5.26%4.56%
Compound-v3Ethereum36.43MUSDC0%4.72%4.55%
Fluid-lendingEthereum130.15MUSDT0%4.7%4.54%
Flux-financeEthereum1.95MUSDT0%4.45%4.44%
ExactlyOP Mainnet1.55MUSDC0%4.38%4.38%
Fusion-by-iporBase2.99MUSDC0%6.77%4.35%
Aave-v3Avalanche2.41MUSDT0%4.11%4.35%
ExactlyOP Mainnet1.55MUSDC0%4.32%4.34%
ExactlyOP Mainnet1.55MUSDC0%4.33%4.33%
ExactlyOP Mainnet1.55MUSDC0%4.26%4.29%
CurvanceMonad3.10MUSDC1.8%5.7%4.28%
TydroInk16.49MUSDC0%4.06%4.26%
Aave-v4Ethereum1.50MUSDT0%4.03%4.26%
Fluid-lendingEthereum129.80MUSDC0%4.61%4.24%
ExactlyOP Mainnet1.55MUSDC0%4.16%4.22%
Yo-protocolBase8.11MUSDC0%4.22%4.18%
Yo-protocolEthereum1.35MUSDC0%4.22%4.18%
ExactlyOP Mainnet1.55MUSDC0%4.09%4.18%
ExactlyOP Mainnet1.55MUSDC0%4.19%4.17%
Ember-protocolEthereum2.04MUSDC0%4.32%4.16%
Flux-financeEthereum1.57MUSDC0%3.92%4.15%
Aave-v4Ethereum2.56MUSDC0%4.56%4.14%
Aave-v3Monad11.90MUSDC1.89%5.96%4.12%
Fluid-lendingArbitrum64.75MUSDC0%4.12%4.09%
Yearn-financeEthereum2.39MUSDC0%3.94%4.07%
ExactlyOP Mainnet1.55MUSDC0%3.9%4.07%
Fusion-by-iporBase1.12MUSDC2.92%6.71%3.96%
Venus-core-poolBSC7.87MUSDC0%3.09%3.82%
Aave-v3Base17.97MUSDC0%3.7%3.81%
Centrifuge-protocolMonad4.56MUSDC0%2.83%3.79%
ExactlyOP Mainnet1.55MUSDC0%1.46%3.79%
AmpleBase4.39MUSDC0%4%3.78%
Hyperlend-pooledHyperliquid L18.26MUSDC0%5.06%3.78%
Kamino-lendSolana1.54MUSDC0%4.19%3.76%
DolomiteArbitrum1.60MUSDC0%4.38%3.72%
Kamino-lendSolana1.87MUSDT0%3.83%3.63%
Yearn-financeEthereum19.60MUSDC0%3.72%3.62%
Spark-savingsEthereum305.32MUSDC0%3.58%3.6%
Spark-savingsAvalanche8.94MUSDC0%3.58%3.6%
Aave-v3Ethereum195.99MUSDC0%4%3.55%
Aave-v3Ethereum58.36MUSDC1.67%5.58%3.55%
Spark-savingsEthereum388.60MUSDT0%3.39%3.5%
Aave-v3BSC1.44MUSDC0%3.15%3.47%
Midas-rwaEthereum72.83MUSDC0%3.42%3.44%
Midas-rwaEtherlink1.22MUSDC0%3.42%3.44%
Lista-lendingBSC2.70MUSDT0%3.2%3.43%
SparklendEthereum15.86MUSDT0%3.25%3.4%
SparklendEthereum3.95MUSDC0%3.44%3.39%
Yearn-financeEthereum5.74MUSDT0%3.27%3.32%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Centrifuge-protocolBase7.14MUSDC0%4.12%3.28%
Centrifuge-protocolPharos4.41MUSDC0%3.16%3.28%
Centrifuge-protocolBSC1.01MUSDC0%3.16%3.28%
SymbiosisEthereum1.25MUSDC0%4.86%3.25%
DolomiteEthereum31.02MUSDC4.04%7.35%3.24%
Aave-v3Polygon10.35MUSDC0%2.98%3.23%
Yearn-financeEthereum1.11MUSDC0%3.46%3.21%
Spectra-metavaultsBase3.03MUSDC0%2.86%3.2%
Gami-labsBase3.03MUSDC0%2.81%3.2%
Aave-v3Ethereum15.59MDAI0%3.07%3.16%
Native-credit-poolBSC1.40MUSDT0%3.14%3.14%
Venus-core-poolBSC50.65MUSDT0%2.84%3.13%
SaveSolana4.27MUSDC0%3.05%3.06%
Compound-v3Ethereum25.94MUSDT0%3.04%3.05%
Aave-v3Xlayer2.05MUSDC0%2.72%3.04%
Compound-v3Arbitrum2.32MUSDC0%2.88%3.03%
Aave-v3Arbitrum25.51MUSDC0%2.83%2.96%
Aave-v3OP Mainnet1.67MUSDC0%2.61%2.87%
Yearn-financeEthereum7.37MDAI0%3.14%2.83%
Aave-v3BSC13.21MUSDT0%2.75%2.75%
SparklendEthereum85.71MDAI0%2.45%2.71%
Compound-v3Arbitrum4.27MUSDT0%2.58%2.57%
Kamino-lendSolana1.76MUSDC0%1.56%2.51%
Venus-fluxBSC1.72MUSDT0%2.71%2.17%
Justlend-v1Tron84.21MUSDT0%2.28%2.14%
CurrentSui1.04MUSDT5.07%7.67%2.13%
Fluid-lendingBase16.52MUSDC3.7%5.24%2.06%
Aave-v3Arbitrum1.07MDAI0%1.91%1.99%
CurrentSui20.26MUSDC7.66%8.9%1.83%
Aave-v3Sonic1.15MUSDC0%1.85%1.83%
SaveSolana2.27MUSDT0%1.8%1.81%
Echelon-marketAptos1.83MUSDC4.64%3.97%1.21%
ExactlyOP Mainnet1.55MUSDC0%0.94%1.13%
Lista-lendingEthereum5.54MUSDC5.43%7.21%1.11%
Lista-lendingEthereum4.07MUSDT5.11%6.2%1.11%
AcrossEthereum1.12MUSDT2.92%2.06%1.11%
Aave-v4Avalanche6.91MUSDC4.6%5.35%0.53%
TectonicCronos1.29MUSDC0.03%0.48%0.51%
AcrossEthereum1.10MUSDC4.3%4.46%0.18%
Aave-v4Avalanche5.62MUSDT6.57%6.56%0.14%
CredixSolana13.41MUSDC0%0.06%0.07%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum8111.7M8.12%
Avalanche7294.7M3.43%
Base18145.8M6.58%
BSC15134.1M4.77%
Ethereum703.1B6.27%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon110.4M3.23%
Solana1658.3M9.62%
TON12.7M4.8%
zkSync Era000%