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
04/10/2026 22:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Neutral-tradeSolana2.26MUSDC0%42.45%64.41%
Neutral-tradeSolana1.40MUSDC0%68.09%56.3%
Harvest-financeBase1.84MUSDC0%48.5%32.94%
Gains-networkArbitrum4.82MUSDC0%38.23%25.19%
EnsuroEthereum1.31MUSDC0%21.12%20.75%
VerantaBase9.56MUSDC0%18.74%18.55%
AccountableEthereum2.50MUSDC11.2%38.4%16.89%
AccountableMonad7.50MUSDC1.49%16.48%15.95%
AccountableEthereum1.05MUSDC0.75%14.8%14.25%
Ember-protocolEthereum1.64MUSDC0%12.46%12.93%
Ember-protocolEthereum2.62MUSDC0%12.97%12.9%
AccountableEthereum11.05MUSDC0%12.43%12.13%
Ember-protocolSui8.49MUSDC0%7.39%11.78%
AccountableMonad5.44MUSDC0.5%12.1%11.64%
AccountableMonad75MUSDC0.45%11.72%11.4%
Pareto-creditEthereum11.10MUSDC0%10.59%10.59%
Ember-protocolSui9.67MUSDC0%10.12%10%
AguaEthereum7.48MUSDC0%10%10%
Neutral-tradeSolana2.47MUSDC0%13.86%9.78%
Ember-protocolEthereum5.45MUSDC0%10.91%9.61%
AccountableEthereum3.37MUSDC0%11.41%9.54%
Ember-protocolEthereum3.71MUSDC0%9.59%9.42%
Pareto-creditEthereum1.98MUSDC0%9.38%9.38%
Nawa-protocolZIGChain3.45MUSDC0%9.28%9.04%
Midas-rwaEthereum31.30MUSDC0%6.87%8.89%
Neutral-tradeSolana1.39MUSDC0%9.27%8.8%
Midas-rwaEthereum3.31MUSDC0%7.14%8.27%
Midas-rwaEthereum2.53MUSDC0%7.15%8.27%
Neutral-tradeSolana4.25MUSDC0%11.97%8.15%
Pareto-creditEthereum124.15MUSDC0%7.84%8.06%
Bitway-earnBSC19.77MUSDT0%8%8%
Ember-protocolSui8.85MUSDC4%12%8%
Ember-protocolEthereum17.75MUSDC0%11.59%8%
Midas-rwaEthereum1.70MUSDC0%8.6%7.92%
Sentora-curatorEthereum94.44MUSDC0%7.44%7.7%
Rhea-lendNear1.95MUSDT0%8.2%7.67%
Rhea-lendNear1.82MUSDC0%7.22%7.64%
Midas-rwaEthereum65.72MUSDC0%7.55%7.57%
Bitway-earnBSC5.59MUSDT0%7.5%7.5%
AccountableMonad2.16MUSDC0.5%7.35%7.28%
Yearn-financeEthereum11.91MUSDC0%6.66%7.2%
Zerobase-cedefiEthereum14.07MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.62MUSDT2%9%7%
Yearn-financeEthereum7.62MUSDC0%6.85%6.86%
Zerobase-cedefiBSC16.93MUSDT2%8.76%6.76%
Zerobase-cedefiBSC1.94MUSDC2%8.76%6.76%
Extra-finance-leverage-farmingBase3.45MUSDC0%6.3%6.75%
Blend-pools-v2Stellar11.65MUSDC0%7.6%6.66%
Midas-rwaEthereum6.87MUSDC0%6.79%6.64%
Pareto-creditEthereum22.06MUSDC0%6.66%6.62%
Midas-rwaEthereum26.25MUSDC0%8.23%6.48%
Loopscale-lendingSolana1.92MUSDC0.12%6.96%6.45%
Euler-v2Monad5.82MUSDC1.25%7.77%6.44%
Harvest-financeBase1.06MUSDC0%7.3%6.42%
Centrifuge-protocolEthereum2.68MUSDT0%4.11%6.35%
Midas-rwaBase51.54MUSDC0%2.92%6.2%
Midas-rwaRobinhood Chain36.04MUSDC0%2.97%6.2%
Kamino-lendSolana6.66MUSDC0%6.46%6.17%
Fusion-by-iporEthereum1.28MUSDC0%6.24%6.11%
Midas-rwaEthereum34.06MUSDC0%6.62%6.1%
Harvest-financeEthereum1.18MUSDC0%7.35%5.97%
Harmonix-financeHyperliquid L119.41MUSDC0%6.68%5.87%
MapleEthereum663.76MUSDT0%4.85%5.67%
Kamino-lendSolana2.73MUSDC0%4.78%5.59%
Aave-v3Avalanche5.53MUSDC0%5.08%5.57%
AutofinanceEthereum7.63MUSDC0.99%6.2%5.51%
Fluid-lendingArbitrum56.15MUSDC0%4.33%5.38%
AccountableMonad7.21MUSDC0.5%5.8%5.23%
Alchemix-v3Ethereum7.73MUSDC0%5.41%5.06%
AccountableMonad1.14MUSDC0%7.74%5.03%
DolomiteArbitrum1.05MUSDC0%4.26%5.01%
Fluid-lendingBase10.67MUSDC4.45%6.21%5%
Native-credit-poolEthereum1.14MUSDC0%4.93%4.93%
Navi-lendingSui9.37MUSDC0.64%5.18%4.9%
Benqi-lendingAvalanche2.68MUSDC0%5.99%4.86%
Yearn-financeBase1.53MUSDC0%4.92%4.85%
Aave-v3Avalanche2.25MUSDT0%4.22%4.82%
Fluid-lendingEthereum131.62MUSDT0%4.57%4.75%
Storm-tradeTON2.71MUSDT0%5.07%4.74%
Lista-lendingBSC1.47MUSDT0%6.36%4.65%
AutofinanceBase3.70MUSDC5.06%10.56%4.64%
SymbiosisEthereum1.13MUSDC0%4.69%4.63%
Fusion-by-iporBase2.91MUSDC0%5.98%4.53%
Fluid-lendingEthereum130.94MUSDC0%4.5%4.49%
Kamino-lendSolana1.39MUSDC0%4.27%4.48%
Centrifuge-protocolBase7.15MUSDC0%3.88%4.46%
Centrifuge-protocolPharos4.56MUSDC0%3.28%4.46%
Centrifuge-protocolBSC1.01MUSDC0%3.28%4.46%
Centrifuge-protocolBSC1.01MUSDC0%3.28%4.46%
Kamino-lendSolana10.38MUSDC0%4.61%4.46%
Flux-financeEthereum1.96MUSDT0%4.45%4.44%
Midas-rwaEthereum6.44MUSDC0%3.7%4.4%
Midas-rwaEtherlink1.13MUSDC0%3.66%4.4%
Yo-protocolBase8.08MUSDC0%4.26%4.39%
Yo-protocolEthereum1.35MUSDC0%4.26%4.39%
ExactlyOP Mainnet1.53MUSDC0%4.39%4.38%
ExactlyOP Mainnet1.53MUSDC0%4.33%4.34%
Ember-protocolEthereum2.04MUSDC0%4.45%4.32%
ExactlyOP Mainnet1.53MUSDC0%4.33%4.32%
ExactlyOP Mainnet1.53MUSDC0%4.28%4.3%
CurvanceMonad3.11MUSDC1.8%5.94%4.29%
TydroInk16.40MUSDC0%4.05%4.27%
ExactlyOP Mainnet1.53MUSDC0%4.2%4.24%
ExactlyOP Mainnet1.53MUSDC0%4.14%4.2%
Yearn-financeEthereum2.39MUSDC0%4.03%4.2%
ExactlyOP Mainnet1.53MUSDC0%4.18%4.15%
Flux-financeEthereum1.57MUSDC0%4.03%4.15%
Venus-core-poolBSC6.58MUSDC0%3.43%4.14%
Aave-v3Monad15.43MUSDC1.74%6.06%4.08%
ExactlyOP Mainnet1.53MUSDC0%3.97%4.07%
Aave-v4Ethereum2.78MUSDC0%4.79%4.05%
ExactlyOP Mainnet1.53MUSDC0%1.02%4.02%
Compound-v3Ethereum37.63MUSDC0%4.65%3.93%
Fusion-by-iporBase1.06MUSDC1.81%6.7%3.89%
ExactlyOP Mainnet1.53MUSDC0%2.48%3.84%
Hyperlend-pooledHyperliquid L17.01MUSDC0%4.72%3.78%
Aave-v3Base18.67MUSDC0%3.79%3.78%
Yearn-financeEthereum19.49MUSDC0%3.7%3.72%
Aave-v3Ethereum149.80MUSDC0%4.13%3.7%
Aave-v3Ethereum57.54MUSDC1.69%5.71%3.7%
Aave-v3Ethereum181.05MUSDT0%3.63%3.7%
Aave-v3Ethereum63.79MUSDT1.6%5.14%3.7%
Spark-savingsEthereum314.98MUSDC0%3.6%3.6%
Spark-savingsAvalanche8.63MUSDC0%3.6%3.6%
Yearn-financeEthereum1.12MUSDC0%3.42%3.53%
Spark-savingsEthereum447.15MUSDT0%3.45%3.5%
Aave-v4Ethereum2.56MUSDT0%4.05%3.5%
Midas-rwaEtherlink4.94MUSDC0%4.99%3.45%
Coinmerce-capitalHyperliquid L11.74MUSDC0%7.61%3.42%
Midas-rwaEthereum72.73MUSDC0%3.45%3.4%
Midas-rwaEtherlink1.22MUSDC0%3.45%3.4%
SparklendEthereum16.20MUSDT0%3.42%3.4%
SparklendEthereum4.09MUSDC0%3.41%3.39%
DolomiteEthereum28.99MUSDC4.04%7.31%3.34%
Venus-core-poolBSC46.10MUSDT0%2.96%3.32%
Native-credit-poolEthereum1.87MUSDT0%3.31%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Aave-v3BSC1.78MUSDC0%3.33%3.27%
Compound-v3Ethereum16.32MUSDT0%3.05%3.24%
Aave-v3Ethereum14.14MDAI0%3.13%3.24%
Benqi-lendingAvalanche1.09MUSDT0%3.53%3.23%
Aave-v3Arbitrum19.94MUSDC0%3%3.16%
Lista-lendingBSC2.70MUSDT0%3.31%3.12%
Yearn-financeEthereum5.74MUSDT0%3.3%3.12%
SaveSolana5.39MUSDC0%3.13%3.05%
Compound-v3Arbitrum2.30MUSDC0%2.94%3.04%
Aave-v3Ethereum1.40MUSDC0%3.24%3%
Aave-v3OP Mainnet1.48MUSDC0%2.77%2.98%
Aave-v3BSC12.17MUSDT0%2.85%2.93%
Aave-v3Polygon11.49MUSDC0%3.02%2.86%
Yearn-financeEthereum7.30MDAI0%3.04%2.86%
SparklendEthereum76.40MDAI0%2.57%2.71%
Echelon-marketAptos1.83MUSDC2.51%4.58%2.64%
Lista-lendingBSC1.37MUSDT0%3.14%2.61%
Compound-v3Arbitrum4.72MUSDT0%2.55%2.45%
Kamino-lendSolana2MUSDC0%1.85%2.44%
Venus-fluxBSC1.64MUSDT0%2.85%2.43%
NeverlandMonad1.06MUSDC7.94%10.3%2.39%
Gami-labsBase3.03MUSDC0%2.92%2.33%
Spectra-metavaultsBase3.03MUSDC0%2.97%2.33%
SaveSolana2.27MUSDT0%1.85%1.95%
CurrentSui21.86MUSDC6.27%8.59%1.9%
Justlend-v1Tron99.19MUSDT0%2.13%1.83%
Lista-lendingEthereum4.45MUSDC6.18%6.97%1.34%
ExactlyOP Mainnet1.53MUSDC0%1.01%1.17%
Lista-lendingEthereum3.92MUSDT4.64%6.03%0.96%
Aave-v4Avalanche6.67MUSDC4.09%5.06%0.51%
TectonicCronos1.39MUSDC0.03%0.57%0.42%
Lista-lendingBSC1.05MUSDC7.92%4.68%0.38%
AcrossEthereum1.12MUSDT2.98%2.76%0.32%
Aave-v4Avalanche7.42MUSDT6.01%6.63%0.17%
CredixSolana13.41MUSDC0%0.07%0.07%
AcrossEthereum1.10MUSDC4.4%4.55%0.06%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum796.6M7.32%
Avalanche734.3M3.25%
Base16137.8M7.38%
BSC15121.1M4.32%
Ethereum693B6.05%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon111.5M2.86%
Solana1457.9M13.01%
TON12.7M4.74%
zkSync Era000%