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 3.60% on May 18 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
20/05/2026 22:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Yearn-financeBase1.83MUSDC0%138.78%150%
Ember-protocolSui1.18MUSDC0%9.58%14.72%
Canto-lendingCanto1.35MUSDC0%13.08%13.34%
Ember-protocolEthereum43.60MUSDC0%20.13%12.52%
Harvest-financeBase1.93MUSDC0%8.84%12.25%
AvantisBase45.24MUSDC0%10.1%11.98%
Bracket-vaultsEthereum2.71MUSDC0%10.94%10.53%
BitwayBSC18.14MUSDT0%10.67%10.5%
Harmonix-financeHyperliquid L111.50MUSDC0%10.48%10.12%
GoldfinchEthereum37.25MUSDC0%10.06%10.06%
Ember-protocolSui1.48MUSDC0%10.01%10.01%
YieldseekerBase96.59MUSDC0%9.04%9.52%
AutofinanceEthereum2.03MUSDC0%9.6%9.47%
Benqi-lendingAvalanche1.97MUSDC0%8.75%9.26%
Blend-pools-v2Stellar10.96MUSDC0%9.01%8.47%
Ember-protocolSui5.41MUSDC4%12%8%
Ember-protocolSui1.81MUSDC0%10.69%7.55%
Gains-networkArbitrum5.15MUSDC0%6.66%7.13%
LoopscaleSolana1.83MUSDC0%8.27%7.12%
Zerobase-cedefiEthereum14.44MUSDT2%9%7%
Zerobase-cedefiArbitrum7.92MUSDT2%9%7%
SymbiosisTron1.85MUSDT0%7.15%6.76%
Zerobase-cedefiBSC2.04MUSDC2%8.76%6.76%
Zerobase-cedefiBSC24.35MUSDT2%8.76%6.76%
DeltaprimeAvalanche1.04MUSDC0%6.06%6.65%
DeltaprimeAvalanche1.04MUSDC0%6.06%6.65%
Ember-protocolSui2.78MUSDC0%8.03%6.37%
Ember-protocolEthereum4.52MUSDC0%7.22%6.22%
Extra-finance-leverage-farmingBase3.71MUSDC0%6.04%6.22%
Fluid-lendingBase13.24MUSDC0%6.03%5.91%
Fluid-lendingArbitrum46.25MUSDC0%5.85%5.9%
Storm-tradeTON3.69MUSDT0%6.4%5.88%
Ember-protocolSui1.63MUSDC6.65%13.75%5.87%
Ember-protocolEthereum2.79MUSDC0%10.31%5.73%
AmpleBase4.32MUSDC0%4.67%5.71%
Kamino-lendSolana7.10MUSDC0%5.32%5.66%
Hyperlend-pooledHyperliquid L111.43MUSDC0%5.32%5.41%
Scallop-lendSui1.23MUSDC0%5.41%5.22%
Aave-v3Avalanche6.03MUSDC0%6.64%5.22%
Harvest-financeEthereum1.09MUSDC0%4.61%5.12%
Ember-protocolSui1.13MUSDC0%6.77%5.1%
AutofinanceBase7.55MUSDC3.04%8.8%5.04%
Spectra-metavaultsBase5.59MUSDC1.67%4.21%5.01%
Yearn-financeEthereum10.77MUSDC0%5.07%4.91%
Yearn-financeEthereum3.71MUSDC0%6.12%4.91%
Flux-financeEthereum1.70MUSDT0%4.59%4.58%
Yo-protocolBase15.93MUSDC7.8%13.3%4.36%
Yo-protocolEthereum3.35MUSDC7.8%13.32%4.36%
DolomiteArbitrum1.65MUSDC0%5.29%4.33%
MapleEthereum0.92BUSDT0%4.56%4.3%
Folks-finance-lendingAlgorand1.45MUSDC0%4.45%4.3%
Gains-networkBase2.19MUSDC0%2.35%4.23%
Aave-v3Ethereum47.63MUSDC4.44%8.31%4.23%
Aave-v3Ethereum145.18MUSDC0%4.88%4.23%
ExactlyOP Mainnet1.62MUSDC0%4.07%4.16%
ExactlyOP Mainnet1.62MUSDC0%4.03%4.13%
Moonwell-lendingBase1.56MUSDC1.18%4.93%4.13%
Euler-v2Monad2.38MUSDC0%8.3%4.11%
ExactlyOP Mainnet1.62MUSDC0%3.95%4.04%
SparklendEthereum3.78MUSDC0%4.17%4.04%
TermmaxBase1.26MUSDC0%2.21%4.01%
Fluid-lendingEthereum7.53MUSDC0%3.75%4.01%
Fluid-lendingEthereum201.53MUSDC0.99%4.84%4.01%
ExactlyOP Mainnet1.62MUSDC0%4.04%3.98%
ExactlyOP Mainnet1.62MUSDC0%3.86%3.97%
ExactlyOP Mainnet1.62MUSDC0%3.83%3.96%
ExactlyOP Mainnet1.62MUSDC0%3.84%3.95%
ExactlyOP Mainnet1.62MUSDC0%3.44%3.94%
ExactlyOP Mainnet1.62MUSDC0%3.81%3.94%
Aave-v3Avalanche2.89MUSDT0%7.54%3.93%
NeverlandMonad13.79MUSDC4.73%8.49%3.88%
Compound-v3Ethereum32.49MUSDC0.14%3.11%3.88%
Navi-lendingSui9.06MUSDC0.58%4.77%3.73%
Flux-financeEthereum2.69MUSDC0%3.7%3.68%
Spark-savingsAvalanche28.03MUSDC0%3.66%3.65%
Spark-savingsEthereum405.38MUSDC0%3.66%3.65%
TermmaxEthereum1.37MUSDC0%1.64%3.61%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum461M6.09%
Avalanche641M5.89%
Base13200.9M17.57%
BSC344.5M8.01%
Ethereum221.9B5.68%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon000%
Solana28.9M6.39%
TON13.7M5.88%
zkSync Era000%