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 3.61% on Mar 12 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
15/03/2026 18:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bracket-vaultsEthereum3.29MUSDC0%13.46%12.77%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
AvantisBase82.35MUSDC0%10.6%9.53%
Blend-pools-v2Stellar10.66MUSDC0%10%8.88%
AbyssSui1.90MUSDC0%8.89%8.71%
Euler-v2Avalanche4.32MUSDC0%5.92%7.83%
Zerobase-cedefiBSC23.94MUSDT2%9.76%7.76%
Zerobase-cedefiBSC1.40MUSDC2%9%7%
Zerobase-cedefiArbitrum8.14MUSDT2%9%7%
Zerobase-cedefiEthereum14.08MUSDT2%9%7%
Gains-networkArbitrum13.33MUSDC0%8.28%6.95%
Gains-networkBase1.89MUSDC0%5.61%6.89%
LoopscaleSolana1.68MUSDC1.25%7.44%6.61%
Yearn-financeEthereum1.66MUSDC0%4.84%5.85%
Harvest-financeBase3.05MUSDC0%5.77%5.82%
Yearn-financeEthereum3.33MUSDC0%6.45%5.61%
Extra-finance-leverage-farmingBase4.43MUSDC0%5.14%5.18%
Fusion-by-iporEthereum3.84MUSDT0%7.35%5.17%
AutofinanceArbitrum1.34MUSDC1.34%6.32%5.15%
AutofinanceEthereum21.37MUSDC0.31%6.32%4.93%
Benqi-lendingAvalanche1.33MUSDT0%4.32%4.72%
Woofi-earnArbitrum1.26MUSDC0%6.78%4.69%
Flux-financeEthereum1.73MUSDT0%4.58%4.55%
DolomiteEthereum9.54MUSDC0%4.27%4.51%
Yearn-financeEthereum7MUSDT0%4.41%4.45%
Yearn-financeEthereum1.31MUSDC0%4.94%4.4%
LoopscaleSolana6.44MUSDC0%3.68%4.24%
ExactlyOptimism1.69MUSDC0%4.17%4.2%
Flux-financeEthereum1.44MUSDC0%4.2%4.2%
ExactlyOptimism1.69MUSDC0%4.14%4.18%
Yo-protocolEthereum10.81MUSDC12%16.97%4.17%
Yo-protocolBase32.23MUSDC12%19.24%4.17%
SparklendEthereum1.81MUSDC0%3.26%4.14%
AutofinanceBase16.01MUSDC0.98%6.01%4.12%
ExactlyOptimism1.69MUSDC0%4.07%4.11%
Scallop-lendSui2.33MUSDC0%4.71%4.03%
MapleEthereum1.94BUSDT0%4.22%4.02%
ExactlyOptimism1.69MUSDC0%3.97%4.01%
ExactlyOptimism1.69MUSDC0%3.81%3.93%
Hyperlend-pooledHyperliquid L129.19MUSDC0%4.65%3.92%
ExactlyOptimism1.69MUSDC0%3.98%3.91%
Euler-v2Ethereum35.96MUSDC0%4.41%3.85%
Harvest-financeEthereum1.10MUSDC0%3.6%3.82%
Harvest-financeEthereum1.10MUSDC0%3.6%3.82%
Benqi-lendingAvalanche6.35MUSDC0%3.34%3.76%
Spark-savingsAvalanche136MUSDC0%3.94%3.75%
Spark-savingsEthereum414.85MUSDC0%3.94%3.75%
Folks-finance-xchainPolygon1.80MUSDT0%3.61%3.68%
ExactlyOptimism1.69MUSDC0%2.27%3.67%
NeverlandMonad14.90MUSDC4.73%11.49%3.63%
ExactlyOptimism1.69MUSDC0%1.15%3.61%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum424.1M5.95%
Avalanche4148M5.02%
Base6140M5.95%
BSC225.3M7.38%
Ethereum192.5B5.32%
Hyperliquid000%
Mantle000%
Optimism813.6M3.95%
Polygon11.8M3.68%
Solana28.1M5.42%
TON000%
zkSync Era000%