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 3.68% on Jul 02 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
07/07/2026 17:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableEthereum1.04MUSDC0%14.28%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Harvest-financeBase1.86MUSDC0%16.96%13.06%
Ember-protocolEthereum5.67MUSDC0%12.75%12.9%
AccountableEthereum2.12MUSDC0%7.79%11.74%
AccountableMonad49.81MUSDC0.44%11.49%11.6%
Ember-protocolSui1.36MUSDC0%8.21%11.21%
Midas-rwaEthereum74.31MUSDC0%14.49%10.81%
Midas-rwaEthereum1.85MUSDC0%9.74%10.71%
Midas-rwaMonad2.94MUSDC0%10.55%10.54%
Midas-rwaEthereum45.83MUSDC0%10.55%10.54%
GoldfinchEthereum36.72MUSDC0%10.12%10.12%
AccountableMonad5.20MUSDC0.5%10.34%10%
Ember-protocolSui1.20MUSDC0%11.24%9.8%
Bracket-vaultsEthereum2.65MUSDC0%9.92%9.51%
Ember-protocolEthereum3.26MUSDC0%9.09%9.36%
AccountableMonad8.95MUSDC0.5%10.04%9.34%
Harmonix-financeHyperliquid L122.81MUSDC0%9.65%9.29%
Centrifuge-protocolPlume Mainnet32.97MUSDC0%2.73%9.24%
Ember-protocolSui1.09MUSDC0%8.66%9.23%
Ember-protocolSui2.81MUSDC0%9.24%9.22%
SymbiosisTron1.40MUSDT0%6.33%8.84%
AvantisBase30.06MUSDC0%9.81%8.7%
Midas-rwaEthereum7.73MUSDC0%8.89%8.58%
YieldseekerBase1.87MUSDC0%7.93%8.19%
Bitway-earnBSC23.14MUSDT0%9.55%8%
Ember-protocolSui7MUSDC4%12%8%
Ember-protocolSui5.91MUSDC0%5.93%7.78%
Midas-rwaEthereum6.63MUSDC0%7.97%7.7%
Midas-rwaEthereum2.49MUSDC0%7.97%7.7%
Midas-rwaEtherlink1.06MUSDC0%7.97%7.7%
Spectra-metavaultsBase3.01MUSDC0%3%7.53%
Gami-labsBase3.01MUSDC0%3.01%7.53%
LoopscaleSolana1.04MUSDC0.32%8.06%7.44%
LoopscaleSolana1.04MUSDC0.32%8.06%7.44%
Midas-rwaEtherlink3.77MUSDC0%5.85%7.18%
Fluid-lendingEthereum9.35MUSDC0%5.41%7.14%
Fluid-lendingEthereum130.04MUSDC0%6.28%7.14%
Zerobase-cedefiEthereum14.12MUSDT2%9%7%
Gami-labsStellar15.15MUSDC0%7%7%
Zerobase-cedefiArbitrum7.63MUSDT2%9%7%
Extra-finance-leverage-farmingBase3.35MUSDC0%6.6%6.95%
Kamino-lendSolana3.75MUSDC0%6.75%6.88%
AccountableMonad2.94MUSDC0.5%7.49%6.79%
Zerobase-cedefiBSC21.42MUSDT2%8.76%6.76%
Zerobase-cedefiBSC1.91MUSDC2%8.76%6.76%
Euler-v2Ethereum6.36MUSDC0%2.9%6.56%
Yearn-financeEthereum8.56MUSDC0%5.48%6.54%
Gains-networkArbitrum6.97MUSDC0%9.44%6.53%
Fusion-by-iporEthereum1.92MUSDC0%6.1%6.44%
Yearn-financeEthereum5.68MUSDC0%5.1%6.32%
SymbiosisEthereum1.49MUSDC0%7.62%6.32%
Blend-pools-v2Stellar15.92MUSDC0%6.85%6.19%
AutofinanceEthereum8.14MUSDC0.4%6.33%6.13%
Lista-lendingBSC4.85MUSDT0%4.66%6.05%
SparklendEthereum19.78MUSDT0%2.57%6.05%
Harvest-financeEthereum1.13MUSDC0%7.94%6%
Euler-v2Ethereum5.34MUSDC0%3.22%5.99%
Hyperlend-pooledHyperliquid L110.45MUSDC0%6.08%5.87%
Storm-tradeTON3.62MUSDT0%5.97%5.85%
Fluid-lendingArbitrum37.79MUSDC0%5.89%5.7%
Centrifuge-protocolBase2.22MUSDC0%4.02%5.66%
Centrifuge-protocolEthereum5.87MUSDC0%4.01%5.66%
AccountableEthereum4.10MUSDC9.85%12.74%5.65%
Fluid-lendingBase8.50MUSDC0%5.45%5.61%
AutofinanceBase6.08MUSDC2.01%7.41%5.37%
Navi-lendingSui5.96MUSDC0.44%6.01%5.25%
Lista-lendingBSC6.19MUSDT0%5.29%5.23%
Fluid-lendingEthereum124.09MUSDT0%5.61%5.07%
Yearn-financeBase1.70MUSDC0%4.74%5.05%
Centrifuge-protocolMonad4.52MUSDC0%2.97%4.99%
Yearn-financeEthereum1.18MUSDC0%4.08%4.74%
Centrifuge-protocolAvalanche260.03MUSDC0%4.03%4.67%
Centrifuge-protocolBase50.14MUSDC0%4.03%4.67%
Midas-rwaEtherlink1.11MUSDC0%2.74%4.65%
Midas-rwaEthereum7.14MUSDC0%2.75%4.65%
Ember-protocolSui1.12MUSDC7.98%11.66%4.5%
DolomiteArbitrum1.40MUSDC0%4.01%4.45%
Flux-financeEthereum1.92MUSDT0%4.49%4.44%
Kamino-lendSolana1.56MUSDC0%4.15%4.44%
Kamino-lendSolana10.81MUSDC0%4.3%4.43%
Aave-v3Avalanche2.30MUSDT0%3.57%4.28%
ExactlyOP Mainnet1.75MUSDC0%4.14%4.19%
ExactlyOP Mainnet1.75MUSDC0%4.16%4.18%
ExactlyOP Mainnet1.75MUSDC0%4.07%4.16%
Euler-v2Monad2.20MUSDC3.14%4.93%4.11%
ExactlyOP Mainnet1.75MUSDC0%4.05%4.1%
MapleEthereum1.04BUSDT0%4.14%4.07%
ExactlyOP Mainnet1.75MUSDC0%3.94%4.05%
AmpleBase4.31MUSDC0%4.63%4.04%
ExactlyOP Mainnet1.75MUSDC0%3.96%3.99%
Folks-finance-xchainPolygon1.26MUSDT0%4.02%3.96%
Benqi-lendingAvalanche4.23MUSDC0%3.73%3.95%
Yo-protocolBase10.52MUSDC0%4.23%3.92%
Yo-protocolEthereum2.38MUSDC0%4.23%3.92%
ExactlyOP Mainnet1.75MUSDC0%3.76%3.88%
ExactlyOP Mainnet1.75MUSDC0%3.72%3.86%
ExactlyOP Mainnet1.75MUSDC0%4.07%3.84%
TermmaxBase1.20MUSDC0%4.08%3.73%
Flux-financeEthereum2.60MUSDC0%3.72%3.72%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum453.8M5.92%
Avalanche3266.6M4.3%
Base14127.8M6.43%
BSC557.5M6.56%
Ethereum331.6B7.38%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.3M3.96%
Solana518.2M6.13%
TON13.6M5.85%
zkSync Era000%