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 3.61% on Apr 08 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
10/04/2026 19:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bracket-vaultsEthereum2.71MUSDC0%12.31%11.83%
AbyssSui1.89MUSDC0%8.55%11.12%
BitwayBSC13.21MUSDT0%11.83%11%
Spectra-metavaultsBase5.09MUSDC2.96%97.95%10.45%
AvantisBase61.95MUSDC0%9.31%10.29%
GoldfinchEthereum37.25MUSDC0%10.02%10.06%
AutofinanceArbitrum1.37MUSDC2.06%6.51%9.86%
Blend-pools-v2Stellar9.81MUSDC0%9.3%9.18%
SymbiosisTron1.44MUSDT0%5.85%8.67%
Gains-networkArbitrum8.93MUSDC0%6.52%7.36%
Zerobase-cedefiEthereum14.44MUSDT2%9%7%
Zerobase-cedefiArbitrum7.94MUSDT2%9%7%
SymbiosisEthereum1.27MUSDC0%5.51%6.9%
Wasabi-perpsSolana1.28MUSDC0%4.98%6.87%
Zerobase-cedefiBSC23.83MUSDT2%9.39%6.76%
Zerobase-cedefiBSC1.38MUSDC2%8.91%6.76%
AccountableMonad2.12MUSDC3.53%9.61%6.31%
AutofinanceEthereum8.85MUSDC0.62%5.31%5.58%
Harvest-financeBase2.02MUSDC0%6.01%5.57%
Extra-finance-leverage-farmingBase4.11MUSDC0%5.1%5.53%
LoopscaleSolana1.54MUSDC0%4.87%5.08%
DeltaprimeAvalanche1.19MUSDC0%5.46%4.86%
Scallop-lendSui1.64MUSDC0%4.58%4.82%
Woofi-earnArbitrum1.14MUSDC0%4.73%4.74%
AutofinanceEthereum8.75MUSDC0%3.92%4.73%
Wasabi-perpsBase3.48MUSDC0%4.04%4.72%
Flux-financeEthereum1.59MUSDT0%4.56%4.66%
AutofinanceBase6.83MUSDC2.87%6.09%4.6%
Yo-protocolBase27.73MUSDC12%14.16%4.54%
Yo-protocolEthereum11.05MUSDC12%13.93%4.54%
Hyperlend-pooledHyperliquid L113.35MUSDC0%3.92%4.51%
Benqi-lendingAvalanche1.57MUSDT0%4.61%4.5%
DolomiteEthereum10.53MUSDC0%5.8%4.48%
Yearn-financeEthereum1.08MUSDC0%4.95%4.42%
Yearn-financeEthereum1.08MUSDC0%4.95%4.42%
Euler-v2Monad1.88MUSDC0%0.82%4.31%
Benqi-lendingAvalanche5.05MUSDC0%3.91%4.23%
ExactlyOptimism1.60MUSDC0%4.24%4.15%
SparklendEthereum1.87MUSDC0%4.12%4.14%
Yearn-financeEthereum3.71MUSDC0%4.37%4.1%
Navi-lendingSui10.73MUSDC0.54%4.47%4.02%
ExactlyOptimism1.60MUSDC0%3.64%3.97%
Folks-finance-xchainPolygon1.67MUSDT0%3.59%3.92%
LiqwidCardano1.12MUSDC0%3.52%3.84%
Euler-v2Ethereum28.17MUSDC0%3.46%3.8%
Yearn-financeEthereum8.79MDAI0%2.75%3.79%
Flux-financeEthereum2.45MUSDC0%3.89%3.76%
Folks-finance-lendingAlgorand1.94MUSDC0%3.42%3.76%
Spark-savingsEthereum395.43MUSDC0%3.75%3.75%
Spark-savingsAvalanche67.82MUSDC0%3.75%3.75%
Storm-tradeTon3.87MUSDT0%3.8%3.71%
NeverlandMonad17.84MUSDC4.16%8.52%3.7%
ExactlyOptimism1.60MUSDC0%3.17%3.69%
ExactlyOptimism1.60MUSDC0%4.01%3.67%
Fluid-lendingArbitrum30.99MUSDC1.03%5.82%3.66%
MapleEthereum1.97BUSDT0%3.86%3.65%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum550.4M6.52%
Avalanche475.6M4.33%
Base7111.2M6.53%
BSC338.4M8.17%
Ethereum182.5B5.31%
Hyperliquid000%
Mantle000%
Optimism46.4M3.87%
Polygon11.7M3.92%
Solana22.8M5.97%
TON13.9M3.71%
zkSync Era000%