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 3.69% on Jul 09 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
12/07/2026 17:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Centrifuge-protocolMonad10.04MUSDC0%4.17%19.93%
AccountableEthereum1.04MUSDC0%14.27%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Hyperlend-pooledHyperliquid L17.76MUSDC0%6.22%13.09%
Harvest-financeBase1.86MUSDC0%17.3%12.98%
Ember-protocolEthereum6.11MUSDC0%12.8%12.9%
AccountableEthereum2.13MUSDC0%9.56%11.71%
AccountableMonad48.66MUSDC0.41%11.82%11.6%
Midas-rwaEthereum46.02MUSDC0%10.55%10.58%
Midas-rwaMonad2.94MUSDC0%10.55%10.58%
Ember-protocolSui1.09MUSDC0%9.52%10.32%
Midas-rwaEthereum73.43MUSDC0%13.19%10.3%
GoldfinchEthereum36.72MUSDC0%10.12%10.12%
AccountableMonad5.20MUSDC0.5%10.42%10%
AccountableMonad8.97MUSDC0.5%9.08%9.96%
Ember-protocolSui2.83MUSDC0%9.3%9.82%
Ember-protocolEthereum3.28MUSDC0%9.29%9.47%
Bracket-vaultsEthereum2.75MUSDC0%9.8%9.46%
Midas-rwaEtherlink3.77MUSDC0%6.51%9.25%
Midas-rwaEthereum1.98MUSDC0%9.86%9.22%
YieldseekerBase1.90MUSDC0%7.88%9.09%
Lista-lendingBSC1.89MUSDT1.21%6.51%8.98%
Ember-protocolSui1.36MUSDC0%8.34%8.77%
Midas-rwaEthereum7.74MUSDC0%8.81%8.58%
Ember-protocolSui5.80MUSDC0%6.01%8.54%
AvantisBase29.13MUSDC0%9.79%8.54%
Harmonix-financeHyperliquid L121.24MUSDC0%9.44%8.49%
Ember-protocolSui6.95MUSDC4%12%8%
Bitway-earnBSC23.27MUSDT0%9.22%8%
Blend-pools-v2Stellar11.95MUSDC0%6.79%7.35%
AccountableMonad2.95MUSDC0.5%7.35%7.03%
Zerobase-cedefiArbitrum7.63MUSDT2%9%7%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Gami-labsStellar15.17MUSDC0%7%7%
Centrifuge-protocolPlume Mainnet32.98MUSDC0%3.84%6.98%
Harvest-financeEthereum1.13MUSDC0%7.71%6.98%
Ember-protocolSui1.12MUSDC6.39%12.19%6.84%
Yearn-financeEthereum5.67MUSDC0%5.54%6.79%
Ember-protocolSui1.20MUSDC0%10.99%6.79%
Zerobase-cedefiBSC1.94MUSDC2%8.76%6.76%
Zerobase-cedefiBSC21.41MUSDT2%8.76%6.76%
Extra-finance-leverage-farmingBase3.46MUSDC0%6.63%6.7%
Midas-rwaEthereum6.64MUSDC0%7.95%6.57%
Midas-rwaEthereum2.49MUSDC0%7.94%6.57%
AutofinanceEthereum8.66MUSDC0.41%6.42%6.53%
AccountableEthereum4.03MUSDC10.02%14.34%6.46%
Yearn-financeEthereum8.98MUSDC0%5.65%6.12%
Fusion-by-iporEthereum1.92MUSDC0%6.09%6.09%
SparklendEthereum15.80MUSDT0%3.09%6.05%
Kamino-lendSolana6.38MUSDC0%6.81%5.99%
Storm-tradeTON3.62MUSDT0%5.96%5.76%
Fluid-lendingArbitrum37.94MUSDC0%5.77%5.7%
Fluid-lendingBase8.63MUSDC0%5.54%5.46%
AutofinanceBase5.94MUSDC2.09%7.3%5.44%
Fluid-lendingEthereum126.72MUSDT0%5.66%5.38%
Navi-lendingSui5.95MUSDC0.44%5.91%5.24%
Yearn-financeBase1.76MUSDC0%4.87%5.01%
Fluid-lendingEthereum135.57MUSDC0%6.28%5.01%
Fluid-lendingEthereum9.43MUSDC0%5.64%5.01%
Kamino-lendSolana4.37MUSDC0%4.71%4.89%
Yearn-financeEthereum1.19MUSDC0%4.35%4.87%
SymbiosisTron1.79MUSDT0%6.16%4.63%
DolomiteArbitrum1.30MUSDC0%4.18%4.62%
SymbiosisEthereum1.14MUSDC0%6.58%4.51%
Flux-financeEthereum1.90MUSDT0%4.47%4.45%
Midas-rwaEthereum4.54MUSDC0%5.94%4.4%
Aave-v3Avalanche2.27MUSDT0%3.53%4.38%
ExactlyOP Mainnet1.68MUSDC0%4.18%4.28%
Centrifuge-protocolMonad4.52MUSDC0%3.18%4.28%
Native-credit-poolEthereum5.22MUSDC0%3.48%4.23%
ExactlyOP Mainnet1.68MUSDC0%4.15%4.2%
ExactlyOP Mainnet1.68MUSDC0%4.09%4.19%
Kamino-lendSolana1.72MUSDC0%4.36%4.13%
ExactlyOP Mainnet1.68MUSDC0%4.07%4.11%
Euler-v2Monad2.20MUSDC3.14%5.56%4.11%
ExactlyOP Mainnet1.68MUSDC0%3.98%4.08%
MapleEthereum1.01BUSDT0%4.11%4.07%
Yo-protocolEthereum2.38MUSDC0%4.28%4.06%
Yo-protocolBase10.12MUSDC0%4.28%4.06%
Benqi-lendingAvalanche4.02MUSDC0%3.74%4.05%
Midas-rwaEtherlink1.11MUSDC0%3.16%4.03%
Midas-rwaEthereum7.15MUSDC0%3.17%4.03%
AmpleBase4.29MUSDC0%4.53%4.03%
Native-credit-poolBSC5.05MUSDT0%3.79%4.02%
Kamino-lendSolana14.97MUSDC0%4.45%4%
ExactlyOP Mainnet1.68MUSDC0%3.97%4%
Euler-v2Ethereum7.51MUSDC0%3.2%3.99%
Moonwell-lendingBase2.43MUSDC0.37%5.43%3.99%
Scallop-lendSui1.04MUSDC0%4.73%3.99%
Scallop-lendSui1.04MUSDC0%4.73%3.99%
Folks-finance-xchainPolygon1.28MUSDT0%3.97%3.94%
ExactlyOP Mainnet1.68MUSDC0%3.79%3.92%
ExactlyOP Mainnet1.68MUSDC0%3.69%3.89%
Lazy-summer-protocolEthereum4.04MUSDC0.88%3.89%3.86%
TermmaxBase1.20MUSDC0%4.12%3.86%
ExactlyOP Mainnet1.68MUSDC0%4.04%3.86%
Flux-financeEthereum2.59MUSDC0%3.72%3.72%
Lista-lendingBSC6.14MUSDT0%4.7%3.71%
Gains-networkArbitrum7.38MUSDC0%7.07%3.71%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum454.3M5.26%
Avalanche26.3M4.22%
Base1170.7M6.29%
BSC659.7M6.37%
Ethereum341.6B6.86%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.3M3.94%
Solana427.4M4.75%
TON13.6M5.76%
zkSync Era000%