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
07/10/2026 22:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableMonad1.14MUSDC0%10.45%64.8%
Neutral-tradeSolana2.26MUSDC0%46.4%55.38%
Neutral-tradeSolana1.41MUSDC0%69.05%51.04%
Harvest-financeBase1.85MUSDC0%49.78%32.91%
EnsuroEthereum1.30MUSDC0%21.3%22.69%
VerantaBase9.61MUSDC0%19.43%17.52%
Neutral-tradeSolana4.26MUSDC0%12.91%15.06%
Rhea-lendNear1.44MUSDT0%8.39%14.29%
AccountableEthereum1.05MUSDC0.75%14.79%14.25%
AccountableMonad7.50MUSDC1.06%16.53%14.14%
Ember-protocolSui8.59MUSDC0%8.65%13.04%
Ember-protocolEthereum1.64MUSDC0%11.23%12.93%
Ember-protocolEthereum2.63MUSDC0%12.95%12.9%
AccountableEthereum11.06MUSDC0%12.39%12.13%
AccountableMonad5.44MUSDC0.43%12.11%11.64%
AccountableEthereum3.40MUSDC0%10.93%10.89%
Nawa-protocolZIGChain3.45MUSDC0%9.79%10.73%
Pareto-creditEthereum11.10MUSDC0%10.59%10.59%
AccountableMonad74.98MUSDC0.28%11.7%10.5%
AccountableEthereum1.25MUSDC0%15.15%10.24%
Ember-protocolSui9.99MUSDC0%10.12%10.16%
Centrifuge-protocolEthereum2.68MUSDT0%4.6%10.07%
AguaEthereum7.49MUSDC0%10%10%
Ember-protocolEthereum3.70MUSDC0%9.57%9.51%
Pareto-creditEthereum1.98MUSDC0%9.38%9.38%
Ember-protocolEthereum5.55MUSDC0%10.86%8.69%
Midas-rwaEthereum3.91MUSDC0%7.18%8.55%
Midas-rwaEthereum2.53MUSDC0%7.19%8.55%
Rhea-lendNear1.82MUSDC0%7.53%8.43%
AccountableEthereum2.91MUSDC9.68%37.77%8.4%
Midas-rwaEthereum31.30MUSDC0%7.1%8.38%
Neutral-tradeSolana1.39MUSDC0%9.06%8.32%
Neutral-tradeSolana2.46MUSDC0%13.22%8.25%
Pareto-creditEthereum127.10MUSDC0%7.87%8.06%
Bitway-earnBSC22.67MUSDT0%8%8%
Ember-protocolSui8.88MUSDC4%12%8%
Sentora-curatorEthereum95.67MUSDC0%7.46%7.62%
Bitway-earnBSC2.27MUSDT0%7.5%7.5%
Midas-rwaEthereum65.77MUSDC0%7.55%7.34%
AccountableMonad2.16MUSDC0.5%7.39%7.28%
Extra-finance-leverage-farmingBase3.26MUSDC0%6.35%7.19%
Lista-lendingBSC2.71MUSDT0%3.52%7.18%
Midas-rwaEthereum6.67MUSDC0%6.75%7.11%
Ember-protocolEthereum17.77MUSDC0%11.36%7.07%
Yearn-financeEthereum11.90MUSDC0%6.68%7.04%
Fluid-lendingBase9.66MUSDC1.38%6.55%7.02%
Zerobase-cedefiEthereum14.07MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.62MUSDT2%9%7%
Yearn-financeEthereum7.62MUSDC0%6.87%6.99%
Kamino-lendSolana4.89MUSDC0%6.51%6.87%
Zerobase-cedefiBSC16.78MUSDT2%8.76%6.76%
Zerobase-cedefiBSC1.93MUSDC2%8.76%6.76%
Kamino-lendSolana1.54MUSDC0%4.9%6.74%
Harvest-financeEthereum1.16MUSDC0%6.89%6.73%
Blend-pools-v2Stellar11.43MUSDC0%7.52%6.69%
Harvest-financeBase1.07MUSDC0%7.22%6.64%
Pareto-creditEthereum22.09MUSDC0%6.62%6.62%
Harmonix-financeHyperliquid L116.66MUSDC0%6.6%6.58%
Loopscale-lendingSolana1.73MUSDC0.11%6.96%6.52%
Midas-rwaEthereum26.25MUSDC0%8.68%6.48%
Hyperlend-pooledHyperliquid L14.61MUSDC0%4.63%6.39%
Euler-v2Monad5.83MUSDC1.25%7.67%6.38%
Benqi-lendingAvalanche1.59MUSDC0%6.13%6.34%
Midas-rwaBase51.54MUSDC0%3.3%6.2%
Midas-rwaRobinhood Chain36.04MUSDC0%3.35%6.2%
Midas-rwaEthereum34.06MUSDC0%6.56%6.1%
Midas-rwaEthereum1.74MUSDC0%8.74%6.02%
Aave-v3Avalanche5.36MUSDC0%5.28%5.77%
MapleEthereum611.59MUSDT0%4.94%5.59%
Fusion-by-iporEthereum1.28MUSDC0%6.2%5.48%
AutofinanceEthereum7.63MUSDC0.99%6.22%5.44%
Aave-v4Ethereum1.70MUSDT0%4.22%5.41%
Fluid-lendingEthereum130.79MUSDC0%4.51%5.31%
AccountableMonad6.68MUSDC0.49%5.71%5.28%
Alchemix-v3Ethereum7.72MUSDC0%5.36%5.24%
SymbiosisEthereum1.14MUSDC0%4.6%5.24%
Lista-lendingBSC1.33MUSDT0%6.13%5.2%
Navi-lendingSui8.33MUSDC0.62%5.22%5.07%
Fluid-lendingArbitrum61.33MUSDC0%4.46%5.05%
Native-credit-poolEthereum1.14MUSDC0%4.93%4.93%
Yearn-financeBase1.61MUSDC0%4.9%4.88%
Storm-tradeTON2.71MUSDT0%5.01%4.73%
Kamino-lendSolana2.13MUSDC0%5.18%4.65%
Fluid-lendingEthereum130.45MUSDT0%4.56%4.64%
Compound-v3Ethereum36.65MUSDC0%4.54%4.63%
Fusion-by-iporBase2.92MUSDC0%5.61%4.54%
AutofinanceBase3.69MUSDC5.06%10.48%4.53%
Aave-v3Monad13.62MUSDC1.28%6.07%4.52%
Flux-financeEthereum1.95MUSDT0%4.45%4.44%
Kamino-lendSolana10.80MUSDC0%4.69%4.43%
Kamino-lendSolana1.44MUSDC0%4.33%4.43%
Midas-rwaEthereum6.44MUSDC0%3.59%4.4%
Midas-rwaEtherlink1.13MUSDC0%3.56%4.4%
ExactlyOP Mainnet1.60MUSDC0%4.38%4.38%
Venus-fluxBSC1.51MUSDT0%2.78%4.37%
Centrifuge-protocolAvalanche262.71MUSDC0%3.71%4.36%
Centrifuge-protocolBase22.73MUSDC0%3.71%4.36%
Centrifuge-protocolBSC1.02MUSDC0%3.7%4.36%
Centrifuge-protocolEthereum9.30MUSDC0%3.68%4.36%
ExactlyOP Mainnet1.60MUSDC0%4.33%4.34%
Ember-protocolEthereum2.04MUSDC0%4.49%4.33%
Fusion-by-iporBase1.07MUSDC1.8%6.62%4.32%
ExactlyOP Mainnet1.60MUSDC0%4.33%4.31%
ExactlyOP Mainnet1.60MUSDC0%4.28%4.3%
CurvanceMonad3.10MUSDC1.8%6.01%4.29%
Aave-v3Base17.19MUSDC0%3.79%4.24%
Kamino-lendSolana1.18MUSDT0%3.68%4.24%
ExactlyOP Mainnet1.60MUSDC0%4.21%4.24%
Yearn-financeEthereum2.39MUSDC0%4.06%4.23%
Aave-v3Ethereum135.11MUSDC0%4.2%4.23%
Aave-v3Ethereum57.82MUSDC1.68%5.77%4.23%
ExactlyOP Mainnet1.60MUSDC0%4.16%4.2%
Centrifuge-protocolBase7.15MUSDC0%4%4.18%
Centrifuge-protocolPharos4.56MUSDC0%3.41%4.18%
Centrifuge-protocolBSC1.01MUSDC0%3.41%4.18%
Centrifuge-protocolBSC1.01MUSDC0%3.41%4.18%
Aave-v3Ethereum154.12MUSDT0%3.85%4.18%
Aave-v3Ethereum64.78MUSDT1.57%5.36%4.18%
Aave-v3Avalanche2.40MUSDT0%4.23%4.15%
Flux-financeEthereum1.60MUSDC0%4.07%4.14%
Aave-v4Ethereum2.56MUSDC0%4.78%4.13%
ExactlyOP Mainnet1.60MUSDC0%4.17%4.13%
TydroInk18.86MUSDC0%4.08%4.12%
ExactlyOP Mainnet1.60MUSDC0%3.99%4.06%
ExactlyOP Mainnet1.60MUSDC0%1.66%4.02%
Echelon-marketAptos1.09MUSDC2.74%4.87%3.98%
Jupiter-lendSolana17.60MUSDT0%3.84%3.92%
Yo-protocolBase7.93MUSDC0%4.27%3.91%
Yo-protocolEthereum1.35MUSDC0%4.27%3.91%
Jupiter-lendSolana526.11MUSDC0.34%4.28%3.84%
ExactlyOP Mainnet1.60MUSDC0%2.87%3.84%
Spark-savingsEthereum319.13MUSDC0%3.6%3.8%
Midas-rwaEtherlink4.94MUSDC0%4.89%3.8%
Spark-savingsAvalanche4.54MUSDC0%3.6%3.8%
Spark-savingsEthereum605.45MUSDT0%3.5%3.75%
Midas-rwaEthereum74.82MUSDC0%3.4%3.72%
Midas-rwaEtherlink1.22MUSDC0%3.4%3.72%
Venus-core-poolBSC8.71MUSDC0%3.61%3.71%
Yearn-financeEthereum1.12MUSDC0%3.44%3.69%
Yearn-financeEthereum19.34MUSDC0%3.69%3.66%
Venus-core-poolBSC37.55MUSDT0%3.03%3.66%
SparklendEthereum4.30MUSDC0%3.4%3.56%
Aave-v3Ethereum10.36MDAI0%3.17%3.45%
Coinmerce-capitalHyperliquid L11.74MUSDC0%5.09%3.42%
Gains-networkArbitrum4.82MUSDC0%37.32%3.42%
SparklendEthereum16.71MUSDT0%3.41%3.4%
Native-credit-poolEthereum1.87MUSDT0%3.31%3.31%
DolomiteEthereum29.64MUSDC3.89%7.32%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Compound-v3Ethereum17.50MUSDT0%3.07%3.22%
Yearn-financeEthereum5.74MUSDT0%3.28%3.16%
Benqi-lendingAvalanche1.16MUSDT0%3.48%3.11%
Aave-v3BSC10.68MUSDT0%2.87%3.07%
Aave-v3Arbitrum24.53MUSDC0%3.03%3%
Compound-v3Arbitrum2.69MUSDC0%2.96%2.96%
Aave-v3Xlayer1.07MUSDC0%3.02%2.91%
Yearn-financeEthereum7.30MDAI0%3%2.9%
SaveSolana6.10MUSDC0%3.13%2.89%
Aave-v3Polygon11.39MUSDC0%3.02%2.88%
SparklendEthereum75.09MDAI0%2.6%2.85%
Aave-v3Ethereum1.51MUSDC0%3.28%2.84%
Aave-v3BSC2.72MUSDC0%3.36%2.83%
Kamino-lendSolana1.72MUSDC0%2.07%2.81%
Lista-lendingBSC1.37MUSDT0%3.14%2.53%
Compound-v3Arbitrum4.67MUSDT0%2.54%2.46%
Justlend-v1Tron89.68MUSDT0%2.11%2.08%
SaveSolana2.24MUSDT0%1.87%1.98%
Gami-labsBase3.03MUSDC0%2.9%1.77%
Spectra-metavaultsBase3.03MUSDC0%2.95%1.77%
CurrentSui25.68MUSDC5.31%8.44%1.72%
Aave-v3Mantle1.37MUSDC0%3.73%1.51%
Lista-lendingEthereum3.92MUSDT3.95%5.84%1.35%
Lista-lendingEthereum4.69MUSDC5.33%6.91%1.25%
ExactlyOP Mainnet1.60MUSDC0%1.04%1.16%
AcrossEthereum1.12MUSDT3.02%2.96%0.5%
TectonicCronos1.42MUSDC0.02%0.6%0.42%
Aave-v4Avalanche7.26MUSDC4.24%5%0.36%
Aave-v4Avalanche5.88MUSDT5.92%6.58%0.26%
AcrossEthereum1.03MUSDC4.74%4.57%0.25%
CredixSolana13.41MUSDC0%0.07%0.03%
Kamino-lendSolana1.09MUSDC0%0%0%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum6105.7M3.98%
Avalanche8290.9M3.52%
Base17157.9M7.23%
BSC15113.2M4.95%
Ethereum713.1B6.13%
Hyperliquid000%
Mantle11.4M1.51%
Optimism000%
Polygon111.4M2.88%
Solana19603.8M10.07%
TON12.7M4.73%
zkSync Era000%