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 Mar 10 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
12/03/2026 18:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Euler-v2Avalanche2.96MUSDT0%31.01%31.02%
Bracket-vaultsEthereum3.29MUSDC0%13.61%12.9%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
AvantisBase82.84MUSDC0%10.88%9.95%
Blend-pools-v2Stellar10.40MUSDC0%10.09%9.07%
AbyssSui1.90MUSDC0%8.93%8.76%
Zerobase-cedefiBSC23.84MUSDT2%9.76%7.76%
Gains-networkArbitrum13.18MUSDC0%8.13%7.3%
Zerobase-cedefiArbitrum8.14MUSDT2%9%7%
Zerobase-cedefiEthereum14.08MUSDT2%9%7%
Zerobase-cedefiBSC1.28MUSDC2%9%7%
Fusion-by-iporEthereum3.83MUSDT0%7.42%6.57%
LoopscaleSolana2.12MUSDC1.25%7.29%6.49%
LiqwidCardano1.97MUSDC1.58%6.62%6.16%
Harvest-financeBase3.38MUSDC0%5.88%5.69%
DeltaprimeAvalanche1.10MUSDC0%5.9%5.63%
AutofinanceEthereum21.87MUSDC0.28%6.6%5.33%
Extra-finance-leverage-farmingBase4.31MUSDC0%5%5.31%
Storm-tradeTon4.16MUSDT0%2.76%5.24%
AutofinanceArbitrum1.34MUSDC1.32%6.26%5.11%
Benqi-lendingAvalanche1.01MUSDT0%4.19%5.06%
Benqi-lendingAvalanche1.01MUSDT0%4.19%5.06%
Navi-lendingSui7.67MUSDC0.53%4.96%4.91%
Fusion-by-iporBase1.77MUSDC0%5.42%4.91%
SymbiosisEthereum1.56MUSDC0%4.46%4.81%
Yo-protocolBase31.86MUSDC12%20%4.77%
Woofi-earnArbitrum1.26MUSDC0%7.01%4.69%
AutofinanceEthereum8.72MUSDC0%0.56%4.66%
Flux-financeEthereum1.75MUSDT0%4.59%4.54%
Yearn-financeEthereum7.05MUSDT0%4.41%4.37%
AutofinanceBase16.01MUSDC0.99%6.16%4.31%
Gains-networkBase1.90MUSDC0%5.49%4.29%
Echelon-marketAptos8.17MUSDC0%4.53%4.25%
Flux-financeEthereum1.44MUSDC0%4.2%4.2%
ExactlyOptimism1.68MUSDC0%4.16%4.2%
MapleEthereum1.81BUSDT0%4.21%4.2%
Euler-v2Avalanche4.25MUSDC0%5.92%4.19%
ExactlyOptimism1.68MUSDC0%4.13%4.17%
Scallop-lendSui2.23MUSDC0%4.8%4.17%
DolomiteEthereum13.97MUSDC0%4.37%4.17%
LoopscaleSolana6.57MUSDC0%3.58%4.16%
SparklendEthereum1.88MUSDC0%3.22%4.14%
ExactlyOptimism1.68MUSDC0%4.06%4.11%
ExactlyOptimism1.68MUSDC0%3.96%4%
NeverlandMonad12.57MUSDC5.11%11.88%3.93%
ExactlyOptimism1.68MUSDC0%3.81%3.92%
ExactlyOptimism1.68MUSDC0%4.01%3.9%
Benqi-lendingAvalanche6.03MUSDC0%3.24%3.86%
Yearn-financeBase1.22MUSDC0%22.98%3.77%
Spark-savingsAvalanche141.70MUSDC0%3.97%3.75%
Spark-savingsEthereum411.98MUSDC0%3.97%3.75%
Euler-v2Ethereum40.35MUSDC0%4.56%3.65%
ExactlyOptimism1.68MUSDC0%2.34%3.64%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum423.9M6.03%
Avalanche7158.1M8.37%
Base8143.3M5.38%
BSC225.1M7.38%
Ethereum152.4B5.62%
Hyperliquid000%
Mantle000%
Optimism711.8M3.99%
Polygon000%
Solana28.7M5.32%
TON14.2M5.24%
zkSync Era000%