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
08/10/2026 22:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableMonad1.14MUSDC0%18.27%221.88%
Neutral-tradeSolana2.26MUSDC0%47.43%47.96%
Neutral-tradeSolana1.40MUSDC0%68.99%36.3%
Harvest-financeBase1.85MUSDC0%49.93%24.8%
EnsuroEthereum1.29MUSDC0%21.35%22.81%
VerantaBase9.62MUSDC0%19.45%17.66%
AccountableEthereum1.05MUSDC0.75%14.81%14.25%
AccountableMonad7.50MUSDC0.98%16.55%13.93%
Ember-protocolEthereum1.64MUSDC0%11.65%12.93%
Ember-protocolEthereum2.63MUSDC0%12.95%12.9%
AccountableEthereum11.06MUSDC0%12.38%12.13%
AccountableMonad5.44MUSDC0.41%12.1%11.64%
Neutral-tradeSolana4.25MUSDC0%13.19%11.21%
AccountableEthereum3.40MUSDC0%10.92%10.9%
Pareto-creditEthereum11.09MUSDC0%10.59%10.59%
AccountableMonad74.97MUSDC0.27%11.67%10.5%
Ember-protocolSui10MUSDC0%10.12%10.16%
Vectis-financeEthereum1.25MUSDC0%10.15%10.15%
AccountableEthereum2.71MUSDC10.33%37.32%10.1%
AguaEthereum7.99MUSDC0%10%10%
Neutral-tradeSolana2.45MUSDC0%13.01%9.76%
Ember-protocolEthereum3.70MUSDC0%9.57%9.51%
Pareto-creditEthereum1.98MUSDC0%9.38%9.38%
Nawa-protocolZIGChain3.45MUSDC0%9.93%9.33%
Centrifuge-protocolEthereum2.68MUSDT0%4.77%9.3%
Ember-protocolSui8.60MUSDC0%8.97%9.13%
AccountableEthereum1.25MUSDC0%14.85%8.97%
Midas-rwaEthereum3.91MUSDC0%7.2%8.55%
Midas-rwaEthereum2.53MUSDC0%7.2%8.55%
Midas-rwaEthereum31.30MUSDC0%7.16%8.38%
Neutral-tradeSolana1.39MUSDC0%8.98%8.2%
Pareto-creditEthereum127.24MUSDC0%7.88%8.06%
Bitway-earnBSC22.68MUSDT0%8%8%
Ember-protocolSui8.89MUSDC4%12%8%
Rhea-lendNear1.93MUSDC0%7.62%7.87%
Coinmerce-capitalHyperliquid L11.74MUSDC0%5%7.64%
Sentora-curatorEthereum95.68MUSDC0%7.43%7.62%
Midas-rwaEthereum65.80MUSDC0%7.54%7.55%
Bitway-earnBSC2.14MUSDT0%7.5%7.5%
Lista-lendingBSC2.73MUSDT0%3.69%7.46%
Ember-protocolEthereum5.55MUSDC0%10.83%7.34%
AccountableMonad2.16MUSDC0.48%7.4%7.28%
Yearn-financeEthereum11.99MUSDC0%6.69%7.26%
Extra-finance-leverage-farmingBase3.26MUSDC0%6.38%7.18%
Midas-rwaEthereum6.67MUSDC0%6.73%7.11%
Ember-protocolEthereum17.77MUSDC0%11.27%7.07%
Euler-v2Monad5.79MUSDC1.25%7.63%7.01%
Zerobase-cedefiEthereum14.06MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.61MUSDT2%9%7%
Yearn-financeEthereum7.63MUSDC0%6.88%6.97%
Vectis-financeSolana3.22MUSDC0%6.86%6.86%
Zerobase-cedefiBSC16.77MUSDT2%8.76%6.76%
Zerobase-cedefiBSC1.93MUSDC2%8.76%6.76%
Blend-pools-v2Stellar11.43MUSDC0%7.47%6.68%
Loopscale-lendingSolana1.22MUSDC0.11%6.95%6.65%
Pareto-creditEthereum22.09MUSDC0%6.62%6.62%
Kamino-lendSolana5.59MUSDC0%6.55%6.58%
Kamino-lendSolana1.69MUSDC0%4.99%6.52%
Aave-v4Ethereum2.12MUSDC0%4.85%6.5%
Aave-v3Avalanche4.76MUSDC0%5.33%6.48%
Midas-rwaEthereum26.25MUSDC0%8.83%6.48%
Fluid-lendingArbitrum58.79MUSDC0%4.51%6.26%
Harvest-financeBase1.06MUSDC0%7.2%6.25%
Centrifuge-protocolAvalanche262.78MUSDC0%3.75%6.23%
Centrifuge-protocolBase22.74MUSDC0%3.74%6.23%
Centrifuge-protocolBSC1.02MUSDC0%3.73%6.23%
Centrifuge-protocolEthereum9.30MUSDC0%3.69%6.23%
Midas-rwaBase51.54MUSDC0%3.4%6.2%
Midas-rwaRobinhood Chain36.04MUSDC0%3.45%6.2%
Midas-rwaEthereum34.06MUSDC0%6.55%6.1%
Harmonix-financeHyperliquid L115.83MUSDC0%6.56%5.97%
Aave-v3Ethereum108.13MUSDC0%4.24%5.91%
Aave-v3Ethereum59.13MUSDC1.65%5.8%5.91%
Midas-rwaEtherlink4.95MUSDC0%4.87%5.87%
Harvest-financeEthereum1.16MUSDC0%6.47%5.81%
Fluid-lendingEthereum135.22MUSDC0%4.53%5.8%
AutofinanceEthereum7.63MUSDC0.93%6.23%5.48%
MapleEthereum653.74MUSDT0%4.96%5.46%
AccountableMonad6.68MUSDC0.47%5.69%5.41%
Alchemix-v3Ethereum7.81MUSDC0%5.34%5.28%
Lista-lendingBSC1.32MUSDT0%6.12%5.27%
Navi-lendingSui7.75MUSDC0.58%5.24%5.18%
Kamino-lendSolana1.54MUSDC0%5.18%5.02%
Native-credit-poolEthereum1.14MUSDC0%4.93%4.93%
Aave-v3Arbitrum14.12MUSDC0%3.04%4.89%
Yearn-financeBase1.61MUSDC0%4.9%4.87%
Storm-tradeTON2.71MUSDT0%4.99%4.74%
Fusion-by-iporBase2.94MUSDC0%5.5%4.66%
Fusion-by-iporEthereum1.28MUSDC0%6.21%4.65%
Midas-rwaEthereum1.74MUSDC0%8.75%4.53%
DolomiteArbitrum1.28MUSDC0%4.4%4.52%
Aave-v3Base16.68MUSDC0%3.8%4.49%
Yo-protocolBase7.94MUSDC0%4.28%4.48%
Yo-protocolEthereum1.35MUSDC0%4.28%4.48%
Flux-financeEthereum1.95MUSDT0%4.44%4.44%
Midas-rwaEthereum6.44MUSDC0%3.56%4.4%
Midas-rwaEtherlink1.13MUSDC0%3.53%4.4%
Kamino-lendSolana1.02MUSDT0%3.71%4.39%
AutofinanceBase3.66MUSDC4.49%10.42%4.38%
Kamino-lendSolana1.48MUSDC0%4.35%4.36%
Kamino-lendSolana11.94MUSDC0%4.72%4.35%
ExactlyOP Mainnet1.58MUSDC0%4.34%4.34%
ExactlyOP Mainnet1.58MUSDC0%4.38%4.34%
Ember-protocolEthereum2.04MUSDC0%4.5%4.33%
ExactlyOP Mainnet1.58MUSDC0%4.28%4.3%
Gains-networkArbitrum4.28MUSDC0%36.77%4.29%
CurvanceMonad3.13MUSDC1.8%6.04%4.28%
ExactlyOP Mainnet1.58MUSDC0%4.33%4.28%
Hyperlend-pooledHyperliquid L15.38MUSDC0%4.61%4.28%
Yearn-financeEthereum2.39MUSDC0%4.07%4.24%
ExactlyOP Mainnet1.58MUSDC0%4.21%4.24%
TydroInk17.36MUSDC0%4.09%4.21%
ExactlyOP Mainnet1.58MUSDC0%4.16%4.2%
Flux-financeEthereum1.60MUSDC0%4.08%4.14%
Rhea-lendNear2.39MUSDT0%8.52%4.13%
Fluid-lendingEthereum129.58MUSDT0%4.56%4.07%
ExactlyOP Mainnet1.58MUSDC0%4%4.06%
ExactlyOP Mainnet1.58MUSDC0%1.81%4.02%
Echelon-marketAptos1.10MUSDC2.65%4.98%4.01%
Centrifuge-protocolBase7.15MUSDC0%4.01%3.96%
Centrifuge-protocolPharos4.56MUSDC0%3.47%3.96%
Centrifuge-protocolBSC1.01MUSDC0%3.47%3.96%
Centrifuge-protocolBSC1.01MUSDC0%3.47%3.96%
Fusion-by-iporBase1.06MUSDC1.83%6.59%3.94%
ExactlyOP Mainnet1.58MUSDC0%2.99%3.84%
Spark-savingsEthereum312.85MUSDC0%3.61%3.8%
Spark-savingsAvalanche2.61MUSDC0%3.61%3.8%
Aave-v3Monad21.46MUSDC1.89%6.08%3.79%
Jupiter-lendSolana530.19MUSDC0.34%4.23%3.78%
Spark-savingsEthereum605.98MUSDT0%3.51%3.75%
Jupiter-lendSolana17.61MUSDT0%3.82%3.74%
Yearn-financeEthereum1.12MUSDC0%3.45%3.72%
Aave-v3Ethereum164.46MUSDT0%3.86%3.71%
Aave-v3Ethereum63.61MUSDT1.6%5.38%3.71%
Midas-rwaEthereum74.82MUSDC0%3.41%3.71%
Midas-rwaEtherlink1.22MUSDC0%3.41%3.71%
ExactlyOP Mainnet1.58MUSDC0%4.17%3.7%
Compound-v3Ethereum37.53MUSDC0%4.54%3.65%
Yearn-financeEthereum19.31MUSDC0%3.68%3.64%
Venus-core-poolBSC38.21MUSDT0%3.06%3.62%
SparklendEthereum4.08MUSDC0%3.4%3.6%
Fluid-lendingBase11.90MUSDC6.18%6.72%3.57%
Venus-core-poolBSC9.74MUSDC0%3.66%3.52%
Aave-v4Ethereum2.53MUSDT0%4.25%3.52%
Aave-v3Avalanche2.74MUSDT0%4.22%3.49%
SparklendEthereum16.27MUSDT0%3.43%3.41%
Aave-v3Ethereum12.35MDAI0%3.18%3.34%
DolomiteEthereum29.32MUSDC3.96%7.32%3.31%
Native-credit-poolEthereum1.87MUSDT0%3.31%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Benqi-lendingAvalanche1.10MUSDT0%3.46%3.26%
Yearn-financeEthereum5.74MUSDT0%3.27%3.2%
Compound-v3Ethereum19.66MUSDT0%3.08%3.17%
Compound-v3Arbitrum2.42MUSDC0%2.96%3.02%
Aave-v3BSC11.63MUSDT0%2.87%2.97%
SaveSolana5.72MUSDC0%3.13%2.96%
Aave-v3Polygon11.15MUSDC0%3.03%2.95%
Yearn-financeEthereum7.30MDAI0%2.98%2.92%
Aave-v3BSC2.53MUSDC0%3.36%2.91%
SparklendEthereum75.18MDAI0%2.61%2.84%
Aave-v3Ethereum1.51MUSDC0%3.27%2.84%
Kamino-lendSolana1.72MUSDC0%2.14%2.82%
Compound-v3Arbitrum4.67MUSDT0%2.53%2.46%
Aave-v3Xlayer1.09MUSDC0%3.04%2.46%
Lista-lendingBSC1.38MUSDT0%3.17%2.45%
SaveSolana2.24MUSDT0%1.88%1.98%
Justlend-v1Tron97.46MUSDT0%2.11%1.95%
CurrentSui25.04MUSDC4.85%8.37%1.77%
Gami-labsBase3.03MUSDC0%2.91%1.77%
Spectra-metavaultsBase3.03MUSDC0%2.93%1.77%
Lista-lendingEthereum4.65MUSDC5.17%6.87%1.3%
Lista-lendingEthereum3.89MUSDT3.84%5.79%1.14%
ExactlyOP Mainnet1.58MUSDC0%1.05%1.03%
Venus-fluxBSC1.51MUSDT0%2.84%0.86%
AcrossEthereum1.12MUSDT2.89%3.03%0.58%
TectonicCronos1.42MUSDC0.02%0.6%0.42%
Aave-v4Avalanche7.24MUSDC4.24%4.99%0.36%
Centrifuge-protocolPlume Mainnet20.70MUSDC0%1.39%0.3%
Aave-v4Avalanche5.97MUSDT5.92%6.56%0.26%
AcrossEthereum1.03MUSDC4.54%4.58%0.2%
CredixSolana13.41MUSDC0%0.07%0.03%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum793.2M4.63%
Avalanche7287.2M3.41%
Base17159.6M6.66%
BSC15115.6M4.82%
Ethereum713.1B6.19%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon111.1M2.95%
Solana19610.3M9.13%
TON12.7M4.74%
zkSync Era000%