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 3.60% on Apr 21 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
23/04/2026 12:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Canto-lendingCanto1.35MUSDC0%12.81%12.82%
Benqi-lendingAvalanche1.53MUSDC0%5.69%12.82%
AutofinanceEthereum4.67MUSDC0%5.32%11.81%
Aave-v3Ethereum6.35MDAI0%3.9%11.35%
Bracket-vaultsEthereum2.70MUSDC0%11.88%11.31%
BitwayBSC13.53MUSDT0%11.43%11%
Aave-v3Ethereum24.71MUSDC0%3.58%10.9%
AvantisBase51.88MUSDC0%9.86%10.84%
Blend-pools-v2Stellar8.51MUSDC0%9.3%10.68%
AutofinanceArbitrum1.93MUSDC1.92%9.18%10.66%
GoldfinchEthereum37.25MUSDC0%10.05%10.06%
Fusion-by-iporEthereum1MUSDC0%1.82%10.04%
Fusion-by-iporEthereum1MUSDC0%1.82%10.04%
YieldseekerBase1.28MUSDC0%9.32%9.64%
Gains-networkArbitrum8.44MUSDC0%6.61%8.12%
LoopscaleSolana1.06MUSDC1.1%8.45%7.74%
AbyssSui1.93MUSDC0%8.93%7.33%
SymbiosisEthereum1.40MUSDC0%6.67%7.19%
Zerobase-cedefiArbitrum7.94MUSDT2%9%7%
Zerobase-cedefiEthereum14.44MUSDT2%9%7%
Storm-tradeTON3.97MUSDT0%5.73%7%
SymbiosisTron1.22MUSDT0%6.93%6.84%
Zerobase-cedefiBSC23.34MUSDT2%8.97%6.76%
Zerobase-cedefiBSC1.34MUSDC2%8.81%6.76%
Spectra-metavaultsBase7.28MUSDC0%94.36%6.73%
Aave-v3Arbitrum10.21MUSDC0%2.31%6.38%
Extra-finance-leverage-farmingBase3.65MUSDC0%5.2%6.33%
Yearn-financeEthereum7.41MUSDC0%4.07%6.24%
Fluid-lendingArbitrum28.83MUSDC1.19%6.2%6.06%
Harvest-financeBase2.02MUSDC0%6.43%6.02%
AutofinanceEthereum9.06MUSDC0.58%5.96%5.91%
Fluid-lendingBase10.70MUSDC2.2%6.47%5.86%
Harvest-financeEthereum1.08MUSDC0%1.91%5.65%
DeltaprimeAvalanche1.12MUSDC0%5.24%5.5%
LoopscaleSolana1.43MUSDC0%5.24%5.43%
Fluid-lendingEthereum120.36MUSDT1.78%5.61%5.42%
Kamino-lendSolana7.87MUSDC0%2.94%5.39%
DolomiteArbitrum1.10MUSDC0%4.67%5.35%
AutofinanceBase5.76MUSDC3.7%7.24%5.18%
Fluid-lendingEthereum4.87MUSDC0%3.5%5.01%
Fluid-lendingEthereum160.13MUSDC1.34%4.54%5.01%
MapleEthereum1.22BUSDT0%3.85%4.99%
Woofi-earnArbitrum1.14MUSDC0%4.73%4.73%
Euler-v2Ethereum22.87MUSDC0%3.79%4.69%
Flux-financeEthereum1.57MUSDT0%4.61%4.67%
Yo-protocolBase19.91MUSDC12%13.99%4.42%
Yo-protocolEthereum3.87MUSDC12%13.97%4.42%
Euler-v2Ethereum12.01MUSDC0%3.83%4.4%
Folks-finance-lendingAlgorand1.53MUSDC0%3.61%4.16%
DolomiteEthereum15.11MUSDC5.53%5.57%4.11%
TermmaxEthereum2.01MUSDC0%2.78%4.05%
TermmaxEthereum2.43MUSDC0%2.71%4.05%
SparklendEthereum3.19MUSDC0%4.1%4.04%
Aave-v3Base16.62MUSDC0%2.89%4.02%
Aave-v3BSC4.67MUSDT0%1.97%4%
ExactlyOP Mainnet1.72MUSDC0%3.14%3.99%
ExactlyOP Mainnet1.72MUSDC0%3.67%3.98%
ExactlyOP Mainnet1.72MUSDC0%3.48%3.87%
Aave-v3Polygon1.17MDAI0%3.76%3.84%
Wasabi-perpsBase2.29MUSDC0%4.6%3.81%
ExactlyOP Mainnet1.72MUSDC0%2.58%3.78%
NeverlandMonad16.75MUSDC4.32%8.36%3.78%
Flux-financeEthereum2.43MUSDC0%3.77%3.77%
Hyperlend-pooledHyperliquid L121.14MUSDC0%4.17%3.77%
Yearn-financeEthereum8.57MDAI0%3.34%3.74%
ExactlyOP Mainnet1.72MUSDC0%3.88%3.72%
Jupiter-lendSolana20.11MUSDT0%2.48%3.72%
ExactlyOP Mainnet1.72MUSDC0%3.65%3.67%
Spark-savingsAvalanche30.88MUSDC0%3.75%3.65%
Spark-savingsEthereum476.23MUSDC0%3.75%3.65%
ExactlyOP Mainnet1.72MUSDC0%4.09%3.62%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum759.6M6.9%
Avalanche333.5M7.32%
Base10121.4M6.29%
BSC442.9M7.13%
Ethereum272.2B6.43%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.2M3.84%
Solana430.5M5.57%
TON14M7%
zkSync Era000%