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
16/08/2026 08:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Neutral-tradeSolana2.24MUSDC0%37.96%42.94%
AzuroPolygon1.40MUSDT0%35.68%31.55%
Neutral-tradeSolana1.08MUSDC0%11.22%24.79%
EnsuroEthereum1.04MUSDC0%20.12%19.69%
AccountableMonad7.50MUSDC0.98%28.4%19.37%
Neutral-tradeSolana1.13MUSDC0%33.73%18.41%
AccountableMonad99.97MUSDC0.29%16.87%14.4%
AccountableEthereum1.01MUSDC1.25%14.64%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum7.09MUSDC0%12.87%12.9%
AccountableEthereum10.16MUSDC0%11.64%11.64%
AccountableMonad5.04MUSDC0.5%12.13%11.64%
AccountableEthereum4.16MUSDC9.33%22.62%11.41%
Nawa-protocolZIGChain3.62MUSDC0%8.66%11.34%
Ember-protocolSui1.41MUSDC0%9.44%11.27%
Ember-protocolSui6.80MUSDC0%9.41%10.96%
Midas-rwaEthereum1.73MUSDC0%11.23%10.89%
Neutral-tradeSolana3.24MUSDC0%8.34%10.89%
Harvest-financeBase1.92MUSDC0%11.49%10.64%
Pareto-creditEthereum15.29MUSDC0%10.59%10.58%
Ember-protocolEthereum5.93MUSDC0%7.58%10.4%
Midas-rwaEthereum71.94MUSDC0%10.24%10.23%
GoldfinchEthereum35.95MUSDC0%10.17%10.21%
Midas-rwaEthereum26.19MUSDC0%4.94%10%
AguaEthereum12.86MUSDC0%10%10%
AccountableEthereum3.29MUSDC0%10.61%9.94%
Hyperlend-pooledHyperliquid L19.40MUSDC0%7.28%9.9%
Ember-protocolEthereum3.35MUSDC0%9.43%9.9%
Pareto-creditEthereum2.14MUSDC0%9.38%9.38%
Bracket-vaultsEthereum2.60MUSDC0%9.31%9.32%
Midas-rwaEthereum6.40MUSDC0%7.65%9.23%
Midas-rwaEtherlink1.12MUSDC0%7.66%9.23%
Midas-rwaEthereum7.70MUSDC0%9.46%8.86%
YieldseekerBase1.25MUSDC0%8.98%8.61%
LazyEthereum1MUSDC0%6.9%8.34%
Pareto-creditEthereum168.46MUSDC0%8.19%8.02%
Bitway-earnBSC24.78MUSDT0%8%8%
Ember-protocolSui8.29MUSDC4%12%8%
Ember-protocolEthereum16.89MUSDC0%6.92%7.6%
Extra-finance-leverage-farmingBase3.18MUSDC0%6.88%7.38%
AvantisBase19.90MUSDC0%9.45%7.34%
AccountableMonad1.06MUSDC0.5%7.72%7.28%
AccountableMonad9.95MUSDC0.49%8.76%7.17%
Pareto-creditEthereum21.91MUSDC0%7.13%7.13%
Midas-rwaEthereum2.50MUSDC0%7.53%7.12%
SentoraEthereum46.71MUSDC0%6.77%7.07%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Zerobase-cedefiArbitrum7.63MUSDT2%9%7%
Midas-rwaEthereum6.68MUSDC0%7.52%6.98%
Midas-rwaEtherlink4.80MUSDC0%9.28%6.85%
SymbiosisTron1.37MUSDT0%5.67%6.78%
Zerobase-cedefiBSC19.18MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.02MUSDC2%8.76%6.76%
Blend-pools-v2Stellar13.09MUSDC0%7.23%6.74%
LoopscaleSolana2.77MUSDC0.3%6.98%6.61%
Yearn-financeEthereum6.96MUSDC0%7.05%6.55%
Yo-protocolBase1.12MUSDC0%6.74%6.47%
Ember-protocolSui1.07MUSDC0%9.42%6.45%
Yearn-financeEthereum1.19MUSDC0%6.25%6.33%
Harvest-financeEthereum1.15MUSDC0%6.58%6.28%
Harmonix-financeHyperliquid L117.82MUSDC0%6.97%6.26%
SparklendEthereum13.65MUSDT0%3.74%6.05%
Ember-protocolSui1.16MUSDC5.11%11.39%6.01%
Fusion-by-iporEthereum1.19MUSDC0%5.52%6%
Yearn-financeEthereum8.93MUSDC0%5.92%5.99%
Kamino-lendSolana5.77MUSDC0%6.8%5.94%
Kamino-lendSolana1.58MUSDC0%4.88%5.82%
AutofinanceBase4.80MUSDC2.7%8.02%5.8%
Midas-rwaEthereum38.42MUSDC0%9.42%5.75%
SymbiosisEthereum1.13MUSDC0%4.64%5.59%
Storm-tradeTON3.10MUSDT0%5.67%5.49%
Fluid-lendingEthereum149.41MUSDC0%5.21%5.43%
Fluid-lendingEthereum8.88MUSDC0%5.21%5.43%
Centrifuge-protocolEthereum5.74MUSDC0%4.69%5.33%
Centrifuge-protocolAvalanche261.19MUSDC0%4.7%5.33%
Centrifuge-protocolBase50.36MUSDC0%4.7%5.33%
Fluid-lendingBase9.14MUSDC0%5.28%5.33%
Native-credit-poolEthereum2.29MUSDC0%4.31%5.11%
AutofinanceEthereum7.10MUSDC0.61%6.17%5.11%
Yearn-financeBase1.77MUSDC0%4.93%4.92%
Lista-lendingBSC1.86MUSDT0%6.76%4.89%
Fusion-by-iporBase1MUSDC2.5%7.66%4.88%
Fusion-by-iporBase1MUSDC2.5%7.66%4.88%
Neutral-tradeSolana2.64MUSDC0%4.58%4.84%
Navi-lendingSui7.42MUSDC0.42%5.4%4.69%
SymbioticEthereum1.55MUSDC0%4.49%4.66%
Benqi-lendingAvalanche3.16MUSDC0%4.11%4.58%
Fluid-lendingArbitrum40.40MUSDC0%5.07%4.57%
Flux-financeEthereum2.07MUSDT0%4.41%4.4%
ExactlyOP Mainnet1.54MUSDC0%4.35%4.37%
Alchemix-v3Ethereum7.53MUSDC0%4.54%4.35%
ExactlyOP Mainnet1.54MUSDC0%4.28%4.31%
Jupiter-lendSolana424.50MUSDC0.71%4.94%4.28%
Ember-protocolSui1.89MUSDC0%5.7%4.27%
ExactlyOP Mainnet1.54MUSDC0%4.21%4.26%
Kamino-lendSolana11.40MUSDC0%4.08%4.23%
Kamino-lendSolana1.42MUSDC0%4.48%4.22%
ExactlyOP Mainnet1.54MUSDC0%4.18%4.21%
ExactlyOP Mainnet1.54MUSDC0%4.13%4.2%
Moonwell-lendingBase1.91MUSDC0.05%6.96%4.17%
ExactlyOP Mainnet1.54MUSDC0%4.09%4.14%
MapleEthereum0.94BUSDT0%4.22%4.11%
Fluid-lendingEthereum137.15MUSDT0%4.4%4.07%
Project-0Solana1.13MUSDC0%4.95%4.06%
ExactlyOP Mainnet1.54MUSDC0%3.82%4.05%
ExactlyOP Mainnet1.54MUSDC0%4.1%4.03%
Ember-protocolSui1.19MUSDC0%3.44%4.02%
DolomiteArbitrum1.49MUSDC0%4.41%3.97%
Aave-v3Avalanche5.34MUSDC0%3.75%3.97%
TermmaxEthereum3.35MUSDC0%3.85%3.95%
Yo-protocolBase9.64MUSDC0%4.25%3.92%
Yo-protocolEthereum1.60MUSDC0%4.25%3.92%
AmpleBase4.40MUSDC0%4.04%3.84%
Centrifuge-protocolMonad4.54MUSDC0%3.6%3.84%
Centrifuge-protocolPharos4.35MUSDC0%3.61%3.84%
Aave-v3Polygon1.08MDAI0%3.99%3.84%
Midas-rwaEthereum3.50MUSDC0%5.34%3.78%
Flux-financeEthereum2.59MUSDC0%3.72%3.73%
ExactlyOP Mainnet1.54MUSDC0%3.53%3.7%
TermmaxBase1.14MUSDC0%3.96%3.69%
Jupiter-lendSolana17.61MUSDT0%3.29%3.59%
Yearn-financeEthereum2.42MUSDC0%3.5%3.59%
Aave-v3Base19.53MUSDC0%3.37%3.55%
Gami-labsBase3.02MUSDC0%2.65%3.55%
Spectra-metavaultsBase3.02MUSDC0%2.65%3.55%
Spark-savingsEthereum271.35MUSDC0%3.53%3.52%
Spark-savingsAvalanche11.77MUSDC0%3.53%3.52%
SparklendEthereum1.74MUSDC0%3.51%3.47%
Kamino-lendSolana1.11MUSDC0%4.85%3.43%
Yearn-financeEthereum7.44MUSDT0%3.16%3.32%
DolomiteEthereum28.92MUSDC4.24%7.48%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Yearn-financeEthereum25.77MUSDC0%3.29%3.29%
Aave-v3Ethereum182.43MUSDC0%3.71%3.29%
Aave-v3Ethereum65.79MUSDC1.48%5.82%3.29%
Midas-rwaEthereum64.86MUSDC0%3.15%3.21%
Midas-rwaEtherlink1.22MUSDC0%3.16%3.21%
Euler-v2Monad1.43MUSDC1.25%10.28%3.21%
Aave-v3Avalanche2.89MUSDT0%3.1%3.17%
Native-credit-poolEthereum1.80MUSDT0%3.1%3.17%
Native-credit-poolBSC5.07MUSDT0%3.57%3.16%
Euler-v2Ethereum6.69MUSDC0%3.12%3.16%
Compound-v3Ethereum43.70MUSDC0.09%3.56%3.15%
Yearn-financeEthereum7.73MDAI0%3%3.1%
Compound-v3Ethereum27.90MUSDT0.1%3.11%3.04%
Aave-v3Monad17MUSDC2.13%7.01%3.02%
Aave-v3OP Mainnet1.50MUSDC0%3.1%3.02%
Kamino-lendSolana2.53MUSDT0%3.46%3.01%
Spark-savingsEthereum352.92MUSDT0%2.79%3%
Aave-v4Ethereum1.33MUSDC0%3.68%2.94%
Aave-v3Ethereum400.71MUSDT0%2.73%2.93%
Aave-v3Ethereum74.53MUSDT1.37%5.08%2.93%
Euler-v2Ethereum7.17MUSDC0%4.44%2.89%
Ember-protocolEthereum2.03MUSDC0%1.97%2.89%
Aave-v3BSC2.19MUSDC0%2.85%2.89%
Aave-v3Polygon12.48MUSDC0%2.75%2.84%
Gains-networkArbitrum5.56MUSDC0%4.66%2.82%
CurvanceMonad1.44MUSDC2.7%5.17%2.81%
Echelon-marketAptos1.14MUSDC1.51%3.79%2.78%
Compound-v3Arbitrum3.63MUSDC0%2.72%2.74%
Aave-v3Ethereum1.72MUSDC0%3.04%2.74%
Aave-v3Ethereum1.54MUSDC0%2.12%2.66%
Benqi-lendingAvalanche1.74MUSDT0%2.59%2.61%
CurrentSui6.47MUSDC6.68%9.2%2.48%
Aave-v3Arbitrum38.38MUSDC0%2.55%2.4%
Scallop-lendSui1.32MUSDC0%2.81%2.34%
Venus-core-poolBSC17.38MUSDC0%2.7%2.28%
SaveSolana6.41MUSDC0%2.4%2.28%
Aave-v3Ethereum34.57MDAI0%3.45%2.27%
Aave-v4Ethereum4.08MUSDT0%2.83%2.21%
SparklendEthereum114.43MDAI0%2.2%2.17%
Aave-v3Arbitrum1.01MDAI0%1.93%2.15%
Aave-v3BSC16.58MUSDT0%2.21%2.08%
Justlend-v1Tron82.02MUSDT0%2.83%2.06%
Kamino-lendSolana1.07MUSDC0%1.4%2.02%
Compound-v3Arbitrum8.88MUSDT0%1.95%1.97%
Venus-core-poolBSC90MUSDT0%2.17%1.91%
Aave-v3Sonic1.19MUSDC0%1.94%1.87%
Lista-lendingBSC1.01MUSDT0%1.9%1.86%
Venus-core-poolBSC1.01MDAI0%1.8%1.84%
NeverlandMonad1.50MUSDC8.73%5.68%1.8%
Lista-lendingBSC4.05MUSDT0%3.65%1.72%
Venus-fluxBSC2.13MUSDT0%2.63%1.58%
TydroInk6.90MUSDC0%1.71%1.53%
SaveSolana2.26MUSDT0%1.41%1.44%
Aave-v4Ethereum1.23MUSDC0%1.46%1.41%
Centrifuge-protocolEthereum1.67MUSDC0%0.51%1.2%
ExactlyOP Mainnet1.54MUSDC0%0.97%1%
Aave-v4Ethereum1.61MUSDT0%1.34%0.86%
Lista-lendingBSC4.08MUSDT0%2.71%0.73%
Zest-v2Stacks10.08MUSDC0%0.49%0.58%
Lista-lendingEthereum2.79MUSDC5.13%6.22%0.49%
Lista-lendingEthereum3.01MUSDT5.96%5.69%0.24%
TectonicCronos44.97MUSDT0%0.15%0.15%
TectonicCronos54.19MUSDC0%0.12%0.12%
Aave-v4Avalanche4.94MUSDC0%0.56%0.1%
CredixSolana13.48MUSDC0%0.09%0.04%
AcrossEthereum1.58MUSDT1.2%1.51%0.03%
AcrossEthereum1.09MUSDC4.03%4.63%0.02%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum8107M3.45%
Avalanche7291M3.33%
Base18138.1M5.44%
BSC14191.3M3.32%
Ethereum803.6B5.62%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon315M12.74%
Solana19503.4M8.04%
TON13.1M5.49%
zkSync Era000%