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 3.62% on Apr 03 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
07/04/2026 19:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Yearn-financeEthereum4.73MUSDC0%4640.32%212.73%
Bracket-vaultsEthereum2.71MUSDC0%12.43%11.93%
BitwayBSC12.19MUSDT0%11.94%11%
Spectra-metavaultsBase5.15MUSDC3.02%108.3%10.51%
GoldfinchEthereum37.25MUSDC0%10.02%10.06%
Blend-pools-v2Stellar9.62MUSDC0%9.31%9.28%
AvantisBase65.58MUSDC0%9.37%9.27%
AbyssSui1.90MUSDC0%8.51%8.64%
Harvest-financeBase2.02MUSDC0%5.83%7.89%
Gains-networkArbitrum8.80MUSDC0%6.73%7.36%
Zerobase-cedefiArbitrum7.94MUSDT2%9%7%
Zerobase-cedefiEthereum14.44MUSDT2%9%7%
AccountableMonad2.11MUSDC2.77%9.57%6.79%
Zerobase-cedefiBSC1.32MUSDC2%8.93%6.76%
Zerobase-cedefiBSC23.32MUSDT2%9.49%6.76%
SymbiosisTron1.08MUSDT0%5.52%6.73%
SymbiosisEthereum1.22MUSDC0%5.31%6.52%
WasabiSolana1.28MUSDC0%4.68%6.21%
WasabiBase3.33MUSDC0%3.89%5.93%
Project-0Solana1.78MUSDC0%3.09%5.85%
LoopscaleSolana1.04MUSDC0%4.76%5.23%
Yo-protocolEthereum11.13MUSDC0%14.28%5.1%
Yo-protocolBase28.08MUSDC0%14.75%5.1%
Extra-finance-leverage-farmingBase4.08MUSDC0%5.11%5.09%
Scallop-lendSui1.53MUSDC0%4.51%5.05%
DeltaprimeAvalanche1.17MUSDC0%5.53%5.03%
Woofi-earnArbitrum1.14MUSDC0%4.96%4.74%
AutofinanceEthereum8.75MUSDC0%3.7%4.69%
Flux-financeEthereum1.59MUSDT0%4.55%4.66%
AutofinanceBase8.58MUSDC2.05%5.94%4.53%
AutofinanceEthereum9.62MUSDC0.57%5.33%4.53%
ExactlyOptimism1.71MUSDC0%4.23%4.3%
ExactlyOptimism1.71MUSDC0%4.13%4.18%
Benqi-lendingAvalanche5.31MUSDC0%3.91%4.18%
ExactlyOptimism1.71MUSDC0%4.03%4.08%
Hyperlend-pooledHyperliquid L116.35MUSDC0%3.88%4.08%
Euler-v2Avalanche2.47MUSDC0%6.33%4.07%
ExactlyOptimism1.71MUSDC0%3.8%4.01%
Navi-lendingSui10.82MUSDC0.5%4.54%4%
SparklendEthereum2.23MUSDC0%4.13%3.98%
Yearn-financeEthereum3.75MUSDC0%4.41%3.98%
DolomiteEthereum16.81MUSDC0%5.4%3.96%
ExactlyOptimism1.71MUSDC0%4.12%3.93%
Benqi-lendingAvalanche2.29MUSDT0%4.71%3.91%
Silo-v2Ethereum1.04MUSDC0%3.49%3.88%
Silo-v2Ethereum1.04MUSDC0%3.49%3.88%
ExactlyOptimism1.71MUSDC0%3.68%3.83%
Fluid-lendingArbitrum30.78MUSDC1.01%5.74%3.81%
Euler-v2Ethereum28.32MUSDC0%3.4%3.79%
Aave-v3Polygon1.20MDAI0%3.48%3.78%
Flux-financeEthereum2.45MUSDC0%3.94%3.76%
ExactlyOptimism1.71MUSDC0%3.63%3.76%
ExactlyOptimism1.71MUSDC0%3.23%3.76%
Spark-savingsAvalanche65.55MUSDC0%3.76%3.75%
Spark-savingsEthereum388.93MUSDC0%3.76%3.75%
Folks-finance-xchainPolygon1.82MUSDT0%3.54%3.72%
MapleEthereum1.95BUSDT0%3.91%3.67%
NeverlandMonad16.75MUSDC4.53%8.59%3.64%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum448.6M5.73%
Avalanche576.8M4.19%
Base7116.8M6.9%
BSC336.8M8.17%
Ethereum182.5B16.77%
Hyperliquid000%
Mantle000%
Optimism813.7M3.98%
Polygon23M3.75%
Solana34.1M5.76%
TON000%
zkSync Era000%