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 3.74% on Aug 05 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
07/08/2026 04:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AzuroPolygon1.38MUSDT0%18.32%55.46%
AccountableMonad7.62MUSDC0.95%31.23%25.04%
Midas-rwaEthereum1.73MUSDC0%9.72%17.5%
AccountableMonad100.18MUSDC0.27%16.47%16%
Midas-rwaEtherlink4.79MUSDC0%8.23%14.91%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum7.23MUSDC0%12.85%12.9%
Aave-v3Ethereum1.11MUSDC0%3.67%12.53%
AccountableEthereum2.23MUSDC0%10.83%11.53%
Ember-protocolSui1.21MUSDC0%10.62%11.06%
AccountableEthereum3.87MUSDC10.32%21.16%10.96%
AvantisBase20.97MUSDC0%9.41%10.63%
Pareto-creditEthereum15.28MUSDC0%10.59%10.58%
Harvest-financeBase1.87MUSDC0%12.27%10.49%
Ember-protocolSui1.31MUSDC0%8.4%10.48%
Midas-rwaEthereum71.69MUSDC0%10.26%10.25%
GoldfinchEthereum35.94MUSDC0%10.13%10.21%
Ember-protocolSui6.27MUSDC0%9.1%10.01%
Midas-rwaEthereum27.21MUSDC0%3.33%10%
AccountableMonad1.03MUSDC0%10.32%10%
YieldseekerBase1.25MUSDC0%8.86%9.93%
Nawa-protocolZIGChain3.82MUSDC0%9.11%9.74%
Ember-protocolEthereum3.32MUSDC0%9.38%9.68%
Pareto-creditEthereum2.14MUSDC0%9.38%9.38%
Ember-protocolEthereum5.91MUSDC0%6.6%9.35%
Bracket-vaultsEthereum2.59MUSDC0%9.35%9.3%
Midas-rwaEthereum6.40MUSDC0%6.13%9.23%
Midas-rwaEtherlink1.12MUSDC0%6.15%9.23%
Midas-rwaEthereum8.07MUSDC0%9.37%9.09%
Midas-rwaEthereum37.36MUSDC0%10.08%9.01%
Native-credit-poolEthereum5.77MUSDC0%3.73%8.83%
Euler-v2Ethereum5.06MUSDC0%4.38%8.1%
Pareto-creditEthereum167.55MUSDC0%8.27%8.02%
Bitway-earnBSC24.43MUSDT0%8%8%
Ember-protocolSui8.19MUSDC4%12%8%
AccountableMonad10.08MUSDC0.5%9.44%7.67%
AccountableMonad1.73MUSDC0.47%7.63%7.52%
Extra-finance-leverage-farmingBase3.22MUSDC0%6.68%7.27%
Euler-v2Monad1.60MUSDC2.64%9.07%7.21%
Pareto-creditEthereum21.86MUSDC0%7.13%7.13%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
Yearn-financeEthereum7.03MUSDC0%7.05%6.92%
LoopscaleSolana1.50MUSDC0.24%7.14%6.88%
Blend-pools-v2Stellar13.96MUSDC0%7.55%6.79%
Zerobase-cedefiBSC20.26MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.02MUSDC2%8.76%6.76%
Yearn-financeEthereum1.19MUSDC0%5.73%6.45%
SentoraEthereum40.76MUSDC0%6.38%6.38%
Ember-protocolSui1.07MUSDC0%9.75%6.36%
Ember-protocolEthereum17.06MUSDC0%6.71%6.2%
Midas-rwaEthereum6.67MUSDC0%7.72%6.14%
Midas-rwaEthereum2.50MUSDC0%7.71%6.14%
Harmonix-financeHyperliquid L118.92MUSDC0%7.69%5.92%
Harvest-financeEthereum1.15MUSDC0%6.38%5.91%
Centrifuge-protocolAvalanche260.87MUSDC0%3.88%5.84%
Centrifuge-protocolBase50.30MUSDC0%3.87%5.84%
Yearn-financeEthereum8.99MUSDC0%5.97%5.84%
Centrifuge-protocolEthereum5.73MUSDC0%3.88%5.83%
Hyperlend-pooledHyperliquid L113.31MUSDC0%7.31%5.74%
Ember-protocolSui1.16MUSDC4.35%11.68%5.73%
Storm-tradeTON3.17MUSDT0%5.74%5.64%
Fusion-by-iporBase1.09MUSDC2.5%7.88%5.44%
AutofinanceEthereum8.54MUSDC0.41%6.53%5.37%
Fluid-lendingEthereum147.47MUSDC0%5.25%5.34%
Fluid-lendingEthereum9.07MUSDC0%5.25%5.34%
Kamino-lendSolana2.48MUSDC0%4.6%5.31%
Fluid-lendingBase9.06MUSDC0%5.32%5.29%
Lista-lendingBSC1.94MUSDT0.15%6.67%5.2%
Navi-lendingSui6.23MUSDC0.41%5.57%5.16%
AutofinanceBase4.91MUSDC2.61%7.88%5.15%
SymbiosisEthereum1.25MUSDC0%4.47%5.1%
Fluid-lendingArbitrum38MUSDC0%5.28%5.04%
SymbiosisTron1.34MUSDT0%5.41%5.03%
Yearn-financeBase1.78MUSDC0%4.95%4.91%
LoopscaleSolana1.66MUSDC0%5.4%4.81%
Jupiter-lendSolana416.34MUSDC0.73%4.69%4.71%
Fusion-by-iporEthereum1.57MUSDC0%5.84%4.63%
Alchemix-v3Ethereum7.43MUSDC0%4.52%4.56%
Ember-protocolSui5.67MUSDC0%5.97%4.53%
Benqi-lendingAvalanche3.27MUSDC0%3.94%4.51%
Yo-protocolBase9.83MUSDC0%4.2%4.46%
Yo-protocolEthereum2.28MUSDC0%4.2%4.46%
Fluid-lendingEthereum133.35MUSDT0%4.62%4.44%
Flux-financeEthereum2.05MUSDT0%4.42%4.41%
ExactlyOP Mainnet1.56MUSDC0%4.32%4.36%
ExactlyOP Mainnet1.56MUSDC0%4.25%4.29%
Moonwell-lendingBase1.77MUSDC0.32%4.68%4.27%
ExactlyOP Mainnet1.56MUSDC0%4.17%4.23%
ExactlyOP Mainnet1.56MUSDC0%4.16%4.2%
ExactlyOP Mainnet1.56MUSDC0%4.06%4.15%
DolomiteArbitrum1.50MUSDC0%4.65%4.15%
MapleEthereum0.97BUSDT0%4.21%4.11%
ExactlyOP Mainnet1.56MUSDC0%4.05%4.11%
ExactlyOP Mainnet1.56MUSDC0%4.15%4%
ExactlyOP Mainnet1.56MUSDC0%3.68%3.99%
Aave-v3Polygon1.02MDAI0%4.01%3.95%
Aave-v3Polygon1.02MDAI0%4.01%3.95%
Aave-v3Avalanche5.40MUSDC0%3.66%3.92%
Kamino-lendSolana15.12MUSDC0%4.06%3.91%
Centrifuge-protocolPlume Mainnet32.96MUSDC0%2.78%3.84%
Centrifuge-protocolMonad10.03MUSDC0%5.87%3.84%
Midas-rwaEthereum4.55MUSDC0%5.86%3.78%
AmpleBase4.40MUSDC0%4.16%3.76%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum347.1M5.4%
Avalanche3269.5M4.75%
Base12110.5M6.45%
BSC448.7M6.68%
Ethereum411.8B7.75%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon33.4M21.12%
Solana5437.1M5.12%
TON13.2M5.64%
zkSync Era000%