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 01 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
03/04/2026 19:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Yearn-financeEthereum4.73MUSDC0%4778.14%212.73%
Bracket-vaultsEthereum2.73MUSDC0%12.59%12.02%
BitwayBSC14.85MUSDT0%12%12%
GoldfinchEthereum37.26MUSDC0%10.01%10.06%
SymbiosisEthereum1.23MUSDC0%4.66%9.78%
Blend-pools-v2Stellar9.63MUSDC0%9.33%9.32%
Spectra-metavaultsBase5MUSDC0.22%9.13%9.01%
Gains-networkArbitrum8.84MUSDC0%7.09%8.62%
AvantisBase66.51MUSDC0%9.55%8.55%
AbyssSui1.91MUSDC0%8.66%8.54%
Harvest-financeBase2.03MUSDC0%5.44%7.88%
LoopscaleSolana1.08MUSDC1.27%8%7.14%
LoopscaleSolana1.08MUSDC1.27%8%7.14%
SymbiosisTron1.49MUSDT0%5.11%7.13%
Zerobase-cedefiEthereum14.46MUSDT2%9%7%
Zerobase-cedefiArbitrum7.94MUSDT2%9%7%
Zerobase-cedefiBSC1.32MUSDC2%8.96%6.76%
Zerobase-cedefiBSC23.22MUSDT2%9.61%6.76%
Project-0Solana1.29MUSDC0%2.46%6.75%
Scallop-lendSui1.10MUSDC0%4.39%5.88%
Yearn-financeEthereum8.59MUSDC0%5.78%5.69%
Yo-protocolBase28.38MUSDC0%16.36%5.12%
Yo-protocolEthereum11.14MUSDC0%15.96%5.12%
DeltaprimeAvalanche1.16MUSDC0%5.59%5.09%
Extra-finance-leverage-farmingBase4.22MUSDC0%5.17%4.89%
AutofinanceEthereum8.74MUSDC0%3.08%4.78%
Woofi-earnArbitrum1.14MUSDC0%5.31%4.74%
AutofinanceBase8.55MUSDC2.02%5.88%4.67%
DolomiteEthereum9.31MUSDC0%5.27%4.55%
Flux-financeEthereum1.75MUSDT0%4.54%4.54%
Yearn-financeEthereum4.03MUSDC0%4.47%4.32%
AutofinanceEthereum10.04MUSDC0.5%5.56%4.31%
ExactlyOptimism1.74MUSDC0%4.22%4.28%
ExactlyOptimism1.74MUSDC0%4.12%4.17%
SparklendEthereum1.90MUSDC0%4.09%4.13%
Benqi-lendingAvalanche2.04MUSDT0%4.8%4.12%
Lazy-summer-protocolEthereum4.53MUSDC0.54%3.92%4.08%
ExactlyOptimism1.74MUSDC0%4.02%4.06%
Fluid-lendingArbitrum31.43MUSDC0.92%5.59%4.03%
Navi-lendingSui10.81MUSDC0.49%4.74%4.01%
ExactlyOptimism1.74MUSDC0%3.63%4%
ExactlyOptimism1.74MUSDC0%4.15%3.96%
Hyperlend-pooledHyperliquid L121.08MUSDC0%3.86%3.95%
Yearn-financeEthereum1.70MUSDC0%5.02%3.93%
Euler-v2Avalanche2.54MUSDC0%6.52%3.92%
Aave-v3Polygon1.13MDAI0%3.39%3.91%
Euler-v2Ethereum27.94MUSDC0%3.39%3.82%
ExactlyOptimism1.74MUSDC0%3.54%3.79%
Project-0Solana1.46MUSDT0%3.14%3.78%
MapleEthereum1.94BUSDT0%3.98%3.78%
Flux-financeEthereum2.46MUSDC0%4%3.76%
Spark-savingsEthereum384.41MUSDC0%3.79%3.75%
Spark-savingsAvalanche70.97MUSDC0%3.79%3.75%
WasabiBase3.54MUSDC0%4.02%3.75%
NeverlandMonad16.52MUSDC4.43%8.67%3.7%
ExactlyOptimism1.74MUSDC0%3.66%3.68%
ExactlyOptimism1.74MUSDC0%3.31%3.68%
Fluid-lendingBase9.95MUSDC1.99%5.81%3.67%
Euler-v2Arbitrum1.33MUSDC0%3.05%3.65%
Benqi-lendingAvalanche6.88MUSDC0%3.86%3.63%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum550.7M5.61%
Avalanche583.6M4.1%
Base8128.2M5.94%
BSC339.4M8.51%
Ethereum192.5B16.43%
Hyperliquid000%
Mantle000%
Optimism813.9M3.95%
Polygon11.1M3.91%
Solana44.9M6.2%
TON000%
zkSync Era000%