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
29/09/2026 22:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Gains-networkArbitrum4.52MUSDC0%33.38%64.39%
Neutral-tradeSolana2.28MUSDC0%33.13%58.76%
Kamino-lendSolana1.20MUSDC0%4.4%30.46%
Harvest-financeBase1.84MUSDC0%46.12%24.1%
AccountableEthereum2.30MUSDC16.11%37.09%21.49%
EnsuroEthereum1.31MUSDC0%20.75%21.46%
VerantaBase9.56MUSDC0%16.67%18.89%
AccountableMonad7.50MUSDC1.23%16.41%15.96%
Ember-protocolEthereum6.34MUSDC0%10.49%14.52%
AccountableEthereum1.05MUSDC0.75%14.88%14.25%
Neutral-tradeSolana4.17MUSDC0%11.08%13.18%
Ember-protocolEthereum1.64MUSDC0%27.07%12.93%
Ember-protocolEthereum3.90MUSDC0%12.97%12.9%
AccountableEthereum10.80MUSDC0%12.44%12.13%
AccountableMonad5.44MUSDC0.5%12.09%11.64%
Midas-rwaEthereum1.70MUSDC0%8.24%11.42%
AccountableMonad74.99MUSDC0.36%11.67%11.4%
AccountableEthereum3.39MUSDC0%12.23%11.02%
Kamino-lendSolana1.21MUSDC0%6.78%10.66%
Pareto-creditEthereum11.01MUSDC0%10.59%10.59%
Neutral-tradeSolana2.45MUSDC0%14.6%10.54%
Nawa-protocolZIGChain3.44MUSDC0%8.6%10.19%
Ember-protocolSui9.18MUSDC0%10.15%10.01%
AguaEthereum7.37MUSDC0%10%10%
Ember-protocolEthereum3.55MUSDC0%9.59%9.54%
Pareto-creditEthereum1.98MUSDC0%9.38%9.38%
Neutral-tradeSolana1.38MUSDC0%9.66%8.97%
Midas-rwaEthereum31.47MUSDC0%6.39%8.76%
Yearn-financeEthereum11.93MUSDC0%6.56%8.09%
Bitway-earnBSC23.23MUSDT0%8%8%
Ember-protocolSui8.84MUSDC4%12%8%
Ember-protocolEthereum17.74MUSDC0%11.78%7.93%
Pareto-creditEthereum159.86MUSDC0%7.83%7.82%
Euler-v2Monad5.79MUSDC1.25%7.94%7.67%
Sentora-curatorEthereum94.46MUSDC0%7.31%7.62%
Midas-rwaEthereum65.63MUSDC0%7.53%7.5%
Bitway-earnBSC6.59MUSDT0%7.5%7.5%
Kamino-lendSolana1.96MUSDC0%4.92%7.37%
Blend-pools-v2Stellar10.47MUSDC0%7.6%7.35%
Rhea-lendNear1.98MUSDT0%8.92%7.29%
Centrifuge-protocolMonad10.07MUSDC0%1.91%7.25%
AccountableMonad2.32MUSDC0.5%7.31%7.03%
Zerobase-cedefiEthereum14.08MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.62MUSDT2%9%7%
Yearn-financeEthereum7.59MUSDC0%6.84%6.81%
Ember-protocolSui8.39MUSDC0%5.21%6.79%
Zerobase-cedefiBSC18.15MUSDT2%8.76%6.76%
Midas-rwaEthereum3.23MUSDC0%6.92%6.76%
Midas-rwaEthereum2.52MUSDC0%6.92%6.76%
Zerobase-cedefiBSC2.17MUSDC2%8.76%6.76%
Rhea-lendNear1.95MUSDC0%7.89%6.72%
Pareto-creditEthereum22.06MUSDC0%6.75%6.62%
Harvest-financeBase1.08MUSDC0%7.32%6.53%
Midas-rwaEthereum26.25MUSDC0%7.51%6.48%
LoopscaleSolana3.15MUSDC0.33%7.05%6.35%
Harmonix-financeHyperliquid L120.14MUSDC0%6.84%6.32%
Extra-finance-leverage-farmingBase3.67MUSDC0%6.3%6.31%
Midas-rwaBase51.54MUSDC0%2.01%6.2%
Midas-rwaRobinhood Chain36.04MUSDC0%2.06%6.2%
Midas-rwaEthereum34.06MUSDC0%6.77%6.1%
Harvest-financeEthereum1.16MUSDC0%8.13%5.97%
Aave-v3Avalanche2.07MUSDT0%4.13%5.4%
AccountableMonad7.42MUSDC0.5%5.94%5.23%
Alchemix-v3Ethereum7.81MUSDC0%5.5%5.2%
Lista-lendingBSC1.55MUSDT0%6.55%5.19%
AutofinanceEthereum7.63MUSDC1.08%6.15%5.18%
MapleEthereum630.86MUSDT0%4.75%5.13%
AutofinanceBase3.68MUSDC5.56%10.25%5.11%
Fusion-by-iporEthereum1.28MUSDC0%6.35%5.1%
Centrifuge-protocolEthereum2.28MUSDT0%3.58%5.07%
Compound-v3Ethereum36.03MUSDC0%4.68%5.01%
Native-credit-poolEthereum1.09MUSDC0%4.93%4.93%
Midas-rwaEtherlink4.94MUSDC0%6.11%4.89%
Storm-tradeTON2.74MUSDT0%5.17%4.84%
Benqi-lendingAvalanche2.54MUSDC0%5.65%4.83%
Navi-lendingSui10.02MUSDC0.62%5.17%4.66%
Yearn-financeBase1.53MUSDC0%4.97%4.64%
Fluid-lendingEthereum130.96MUSDC0%4.59%4.57%
Fusion-by-iporBase2.87MUSDC0%6.5%4.52%
Midas-rwaEthereum7.39MUSDC0%7.11%4.48%
Flux-financeEthereum1.94MUSDT0%4.45%4.44%
TydroInk13.97MUSDC0%4.02%4.43%
Midas-rwaEthereum6.44MUSDC0%3.91%4.4%
Midas-rwaEtherlink1.13MUSDC0%3.87%4.4%
Yo-protocolBase8.12MUSDC0%4.23%4.4%
Yo-protocolEthereum1.35MUSDC0%4.23%4.4%
ExactlyOP Mainnet1.56MUSDC0%4.39%4.38%
Ember-protocolEthereum2.04MUSDC0%4.36%4.36%
ExactlyOP Mainnet1.56MUSDC0%4.32%4.34%
ExactlyOP Mainnet1.56MUSDC0%4.33%4.32%
ExactlyOP Mainnet1.56MUSDC0%4.27%4.29%
CurvanceMonad3.13MUSDC1.8%5.81%4.27%
ExactlyOP Mainnet1.56MUSDC0%4.18%4.23%
Fluid-lendingArbitrum64.22MUSDC0%4.07%4.21%
Fusion-by-iporBase1.08MUSDC1.88%6.76%4.19%
ExactlyOP Mainnet1.56MUSDC0%4.11%4.19%
Aave-v3Base17.28MUSDC0%3.75%4.16%
ExactlyOP Mainnet1.56MUSDC0%4.19%4.16%
Flux-financeEthereum1.57MUSDC0%3.96%4.15%
Yearn-financeEthereum2.39MUSDC0%3.97%4.12%
ExactlyOP Mainnet1.56MUSDC0%3.92%4.08%
Fluid-lendingEthereum133.60MUSDT0%4.59%4.07%
Aave-v3Monad14.57MUSDC2.06%6.02%3.96%
Kamino-lendSolana1.59MUSDT0%3.47%3.9%
Aave-v3Ethereum168.13MUSDT0%3.59%3.84%
Aave-v3Ethereum65.05MUSDT1.57%5.06%3.84%
SymbiosisEthereum1.34MUSDC0%4.77%3.82%
Venus-core-poolBSC7.88MUSDC0%3.27%3.82%
ExactlyOP Mainnet1.56MUSDC0%1.84%3.82%
Centrifuge-protocolMonad4.56MUSDC0%2.85%3.79%
Aave-v3BSC1.24MUSDC0%3.24%3.78%
Aave-v4Ethereum4.63MUSDC0%4.71%3.72%
Yearn-financeEthereum19.58MUSDC0%3.71%3.64%
Hyperlend-pooledHyperliquid L110.19MUSDC0%4.94%3.62%
Aave-v3Ethereum178.20MUSDC0%4.03%3.61%
Aave-v3Ethereum57.63MUSDC1.69%5.61%3.61%
Spark-savingsEthereum303.93MUSDC0%3.59%3.6%
Spark-savingsAvalanche8.69MUSDC0%3.59%3.6%
Aave-v3Avalanche7.04MUSDC0%4.64%3.54%
Aave-v3Xlayer1.04MUSDC0%2.88%3.51%
Spark-savingsEthereum398.52MUSDT0%3.41%3.5%
DolomiteArbitrum1.73MUSDC0%4.26%3.46%
Midas-rwaEthereum73.03MUSDC0%3.44%3.42%
Midas-rwaEtherlink1.22MUSDC0%3.44%3.42%
SparklendEthereum15.93MUSDT0%3.32%3.39%
SparklendEthereum3.96MUSDC0%3.43%3.39%
Yearn-financeEthereum5.74MUSDT0%3.3%3.34%
Native-credit-poolEthereum1.88MUSDT0%3.31%3.31%
Centrifuge-protocolBase7.14MUSDC0%3.78%3.31%
Centrifuge-protocolPharos4.41MUSDC0%3.13%3.31%
Centrifuge-protocolBSC1.01MUSDC0%3.12%3.31%
Centrifuge-protocolBSC1.01MUSDC0%3.12%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Yearn-financeEthereum1.12MUSDC0%3.43%3.25%
Aave-v3Polygon10.43MUSDC0%3.02%3.23%
Venus-core-poolBSC48.53MUSDT0%2.89%3.23%
DolomiteEthereum31.52MUSDC3.85%7.32%3.21%
Aave-v3Ethereum15.41MDAI0%3.09%3.17%
Fluid-lendingBase14.05MUSDC5.27%5.5%3.14%
Compound-v3Ethereum24.79MUSDT0%3.03%3.07%
Aave-v3Arbitrum22.46MUSDC0%2.9%3.07%
Compound-v3Arbitrum2.30MUSDC0%2.9%3.04%
Aave-v3BSC11.97MUSDT0%2.78%2.93%
SaveSolana5.36MUSDC0%3.09%2.92%
Aave-v4Ethereum3.29MUSDT0%4.07%2.87%
Yearn-financeEthereum7.31MDAI0%3.11%2.81%
Aave-v3OP Mainnet1.84MUSDC0%2.67%2.79%
SparklendEthereum85.77MDAI0%2.51%2.71%
Lista-lendingBSC2.70MUSDT0%3.28%2.66%
Gami-labsBase3.03MUSDC0%2.87%2.61%
Spectra-metavaultsBase3.03MUSDC0%2.92%2.61%
Centrifuge-protocolAvalanche262.72MUSDC0%4.98%2.57%
Centrifuge-protocolBase22.71MUSDC0%4.99%2.57%
Centrifuge-protocolBSC1.02MUSDC0%4.98%2.57%
Centrifuge-protocolEthereum9.30MUSDC0%4.96%2.57%
Compound-v3Arbitrum4.34MUSDT0%2.58%2.55%
Kamino-lendSolana1.69MUSDC0%1.67%2.55%
Lista-lendingBSC1.37MUSDT0%3.09%2.52%
Venus-fluxBSC1.61MUSDT0%2.72%2.44%
Justlend-v1Tron92.98MUSDT0%2.24%1.91%
SaveSolana2.29MUSDT0%1.81%1.85%
CurrentSui21.93MUSDC6.16%8.86%1.79%
Lista-lendingEthereum5.51MUSDC5.08%7.08%1.36%
Echelon-marketAptos1.78MUSDC4.47%4.24%1.2%
ExactlyOP Mainnet1.56MUSDC0%0.96%1.14%
Lista-lendingEthereum4.07MUSDT4.57%6.2%1.04%
AcrossEthereum1.12MUSDT3.01%2.35%0.78%
Aave-v4Avalanche6.65MUSDC4.51%5.24%0.62%
TectonicCronos1.33MUSDC0.03%0.52%0.48%
Aave-v4Avalanche5.41MUSDT6.56%6.62%0.15%
CredixSolana13.41MUSDC0%0.07%0.07%
AcrossEthereum1.10MUSDC4.44%4.5%0.06%
Lista-lendingBSC1.12MUSDC7.57%3.67%0.01%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum7107.2M12.53%
Avalanche7295.1M2.96%
Base17162.7M6.49%
BSC16131.2M4.05%
Ethereum693B6.14%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon110.4M3.23%
Solana1342.1M12.12%
TON12.7M4.84%
zkSync Era000%