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 % on ). 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
22/09/2026 22:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Neutral-tradeSolana2.30MUSDC0%18.43%71.12%
Gains-networkArbitrum4.52MUSDC0%24.52%42.65%
Neutral-tradeSolana3.39MUSDC0%7.84%31.44%
Ember-protocolEthereum17.72MUSDC0%10.5%31.25%
AccountableMonad1.14MUSDC0%15.95%23.66%
AccountableEthereum2.12MUSDC17.46%36.67%21.56%
Ember-protocolEthereum4.55MUSDC0%12.93%21.01%
Harvest-financeBase1.86MUSDC0%43.47%20.92%
VerantaBase9.99MUSDC0%12.26%20.89%
EnsuroEthereum1.10MUSDC0%21.11%19.37%
AccountableEthereum3.39MUSDC0%11.08%17.83%
AccountableMonad7.50MUSDC1.18%16.6%16.55%
Ember-protocolEthereum3.39MUSDC0%9.5%15.55%
Nawa-protocolZIGChain3.44MUSDC0%8.07%15.02%
AccountableEthereum1.05MUSDC0.75%15%14.25%
Neutral-tradeSolana2.18MUSDC0%14.75%14.21%
Rhea-lendNear1.42MUSDC0%8.05%12.94%
Ember-protocolEthereum1.64MUSDC0%27.85%12.93%
AccountableEthereum13.88MUSDC0%12.25%12.51%
Ember-protocolSui2.38MUSDC0%1.77%12.23%
Ember-protocolSui1.15MUSDC0%10.23%12.19%
Midas-rwaEthereum26.37MUSDC0%6.32%11.87%
AccountableMonad5.04MUSDC0.5%12.09%11.64%
AccountableMonad74.99MUSDC0.35%11.73%11.4%
Ember-protocolEthereum10.31MUSDC0%9.73%10.82%
Pareto-creditEthereum11.01MUSDC0%10.59%10.59%
Midas-rwaEthereum1.70MUSDC0%8.27%10.57%
Ember-protocolSui9.05MUSDC0%10.08%10.44%
AguaEthereum7.39MUSDC0%10%10%
Aave-v4Ethereum1.15MUSDC0%4.49%9.48%
Pareto-creditEthereum2.19MUSDC0%9.38%9.38%
Blend-pools-v2Stellar9.84MUSDC0%7.33%8.29%
Bitway-earnBSC25.16MUSDT0%8%8%
Ember-protocolSui8.60MUSDC4%12%8%
Neutral-tradeSolana1.22MUSDC0%10.17%7.95%
Sentora-curatorEthereum74.32MUSDC0%6.63%7.85%
Pareto-creditEthereum154.69MUSDC0%7.88%7.82%
Midas-rwaEthereum7.49MUSDC0%7.61%7.75%
Fusion-by-iporEthereum1.09MUSDC0%7.3%7.66%
Benqi-lendingAvalanche1.42MUSDC0%5.01%7.58%
Bitway-earnBSC6.55MUSDT0%7.5%7.5%
Harvest-financeBase1.24MUSDC0%7.16%7.38%
Midas-rwaEthereum67.34MUSDC0%7.13%7.13%
Midas-rwaEthereum65.31MUSDC0%7.55%7.1%
Compound-v3Ethereum32.96MUSDC0%4.89%7.09%
Zerobase-cedefiEthereum14.08MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.62MUSDT2%9%7%
Harmonix-financeHyperliquid L122.39MUSDC0%6.96%6.93%
AccountableMonad2.30MUSDC0.5%7.35%6.79%
Zerobase-cedefiBSC18.14MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.12MUSDC2%8.76%6.76%
Yearn-financeEthereum7.56MUSDC0%6.78%6.76%
Ember-protocolEthereum2.04MUSDC0%4.26%6.7%
Midas-rwaEtherlink4.94MUSDC0%8.18%6.68%
LoopscaleSolana1.91MUSDC0.33%7.09%6.65%
Euler-v2Monad5.85MUSDC1.25%8.02%6.65%
Pareto-creditEthereum22.06MUSDC0%6.87%6.62%
Extra-finance-leverage-farmingBase3.57MUSDC0%6.48%6.5%
Midas-rwaEthereum31.44MUSDC0%6.49%6.47%
Fusion-by-iporEthereum1.28MUSDC0%6.47%6.44%
Yearn-financeEthereum11.66MUSDC0%6.58%6.27%
Midas-rwaEthereum6.73MUSDC0%7.19%6%
Midas-rwaEthereum2.52MUSDC0%7.19%6%
Harvest-financeEthereum1.16MUSDC0%9.39%5.87%
Fusion-by-iporEthereum2.39MUSDC0%5.94%5.87%
Kamino-lendSolana11.80MUSDC0%7.22%5.77%
Aave-v3Monad10.48MUSDC0.3%5.88%5.64%
Fluid-lendingEthereum128.01MUSDT0%4.82%5.63%
SymbioticEthereum1.01MUSDC0%5.61%5.54%
SymbioticEthereum1.01MUSDC0%5.61%5.54%
AutofinanceBase3.66MUSDC6.39%9.35%5.51%
AccountableMonad7.42MUSDC0.5%6.13%5.39%
Aave-v3Avalanche5.26MUSDC0%4.26%5.36%
Alchemix-v3Ethereum7.73MUSDC0%5.46%5.31%
AutofinanceEthereum7.68MUSDC1%6.11%5.18%
Lista-lendingBSC1.88MUSDT0%6.7%5.13%
Navi-lendingSui8.09MUSDC0.54%5.35%4.97%
Kamino-lendSolana1.85MUSDC0%5.52%4.96%
Aave-v3Avalanche2.20MUSDT0%3.99%4.96%
Native-credit-poolEthereum1.10MUSDC0%4.93%4.93%
Yearn-financeBase1.72MUSDC0%5.01%4.91%
Storm-tradeTON2.80MUSDT0%5.3%4.87%
Yo-protocolBase8.21MUSDC0%4.18%4.81%
Yo-protocolEthereum1.35MUSDC0%4.18%4.81%
Spectra-metavaultsBase3.03MUSDC0%2.59%4.8%
Gami-labsBase3.03MUSDC0%2.55%4.8%
MapleEthereum665.04MUSDT0%4.66%4.8%
Fusion-by-iporBase2.10MUSDC0%7.12%4.71%
AmpleBase4.39MUSDC0%4.01%4.68%
Kamino-lendSolana3.25MUSDC0%5.37%4.55%
Jupiter-lendSolana469.77MUSDC0.38%4.84%4.53%
Flux-financeEthereum1.95MUSDT0%4.45%4.44%
ExactlyOP Mainnet1.61MUSDC0%4.38%4.39%
TydroInk14.50MUSDC0%3.93%4.38%
Yearn-financeBase1.02MUSDC0%4.42%4.34%
ExactlyOP Mainnet1.61MUSDC0%4.31%4.34%
ExactlyOP Mainnet1.61MUSDC0%4.33%4.33%
Kamino-lendSolana12.93MUSDC0%4.61%4.3%
Kamino-lendSolana1.52MUSDC0%4.55%4.3%
ExactlyOP Mainnet1.61MUSDC0%4.25%4.29%
CurvanceMonad3.11MUSDC2%5.6%4.28%
Aave-v3Ethereum190.29MUSDT0%3.48%4.26%
Aave-v3Ethereum65.70MUSDT1.55%4.93%4.26%
ExactlyOP Mainnet1.61MUSDC0%4.15%4.22%
ExactlyOP Mainnet1.61MUSDC0%4.2%4.18%
Centrifuge-protocolAvalanche262.60MUSDC0%4.91%4.18%
Centrifuge-protocolBase42.64MUSDC0%4.92%4.18%
Centrifuge-protocolEthereum9.30MUSDC0%4.93%4.17%
ExactlyOP Mainnet1.61MUSDC0%4.06%4.17%
Centrifuge-protocolEthereum2.08MUSDT0%2.78%4.16%
Flux-financeEthereum1.57MUSDC0%3.86%4.15%
Fluid-lendingEthereum136.58MUSDC0%4.68%4.07%
Jupiter-lendSolana17.09MUSDT0%4.03%4.05%
Yearn-financeEthereum2.39MUSDC0%3.9%4.04%
ExactlyOP Mainnet1.61MUSDC0%3.91%4.04%
Fusion-by-iporBase1.24MUSDC2.84%6.6%3.98%
Aave-v4Ethereum1.48MUSDT0%3.73%3.96%
Fluid-lendingArbitrum65.57MUSDC0%4.19%3.96%
Aave-v3Ethereum140.18MUSDC0%3.97%3.89%
Aave-v3Ethereum58.39MUSDC1.67%5.56%3.89%
Venus-fluxBSC1.79MUSDT0%2.76%3.81%
Aave-v3Base18.07MUSDC0%3.59%3.8%
Hyperlend-pooledHyperliquid L18.78MUSDC0%5.34%3.75%
ExactlyOP Mainnet1.61MUSDC0%1.07%3.7%
Euler-v2Monad1.63MUSDC1.25%4.83%3.68%
SymbiosisEthereum1.07MUSDC0%4.9%3.65%
Kamino-lendSolana1.84MUSDT0%3.99%3.63%
Yearn-financeEthereum19.67MUSDC0%3.69%3.62%
Spark-savingsEthereum303.96MUSDC0%3.57%3.6%
Spark-savingsAvalanche9.02MUSDC0%3.57%3.6%
DolomiteArbitrum1.71MUSDC0%4.47%3.51%
Spark-savingsEthereum391.74MUSDT0%3.35%3.5%
Venus-core-poolBSC9.75MUSDC0%2.87%3.49%
Fluid-lendingBase10.08MUSDC10%4.97%3.43%
Centrifuge-protocolPharos4.40MUSDC0%3.19%3.41%
Centrifuge-protocolBase7.14MUSDC0%7.55%3.4%
SparklendEthereum15.56MUSDT0%3.23%3.4%
Aave-v3Ethereum11.52MDAI0%3.02%3.39%
Aave-v3BSC1.63MUSDC0%3.07%3.39%
Aave-v3Ethereum1.05MUSDC0%2.86%3.37%
SparklendEthereum3.92MUSDC0%3.45%3.31%
Benqi-lendingAvalanche1.07MUSDT0%3.65%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Yearn-financeEthereum5.74MUSDT0%3.23%3.28%
DolomiteEthereum30.61MUSDC4.06%7.39%3.26%
Aave-v3Polygon10.28MUSDC0%2.94%3.23%
Venus-core-poolBSC50.88MUSDT0%2.73%3.15%
Native-credit-poolBSC1.40MUSDT0%3.14%3.14%
Yearn-financeEthereum1.11MUSDC0%3.58%3.11%
Aave-v3Arbitrum21.63MUSDC0%2.64%3.08%
Aave-v3BSC10.83MUSDT0%2.66%3.01%
Compound-v3Arbitrum2.49MUSDC0%2.85%2.99%
Compound-v3Ethereum33.10MUSDT0%3.06%2.9%
Yearn-financeEthereum7.37MDAI0%3.2%2.88%
SaveSolana4.54MUSDC0%3%2.86%
Aave-v3OP Mainnet1.75MUSDC0%2.52%2.82%
Aave-v3Xlayer3.36MUSDC0%2.29%2.81%
SparklendEthereum85.70MDAI0%2.38%2.71%
Lista-lendingBSC2.73MUSDT0%3.17%2.64%
Compound-v3Arbitrum4.06MUSDT0%2.59%2.6%
Midas-rwaEthereum72.43MUSDC0%3.38%2.27%
Midas-rwaEtherlink1.22MUSDC0%3.38%2.27%
Justlend-v1Tron85.28MUSDT0%2.33%2.11%
Aave-v4Ethereum1.41MUSDC0%1.89%2.05%
Lista-lendingBSC1.73MUSDT0%2.43%2.05%
Aave-v3Arbitrum1.07MDAI0%1.9%1.99%
CurrentSui17.92MUSDC7.32%9.01%1.89%
Aave-v3Sonic1.15MUSDC0%1.85%1.83%
SaveSolana2.28MUSDT0%1.78%1.7%
Midas-rwaEthereum6.43MUSDC0%4.72%1.64%
Midas-rwaEtherlink1.12MUSDC0%4.68%1.64%
Lista-lendingEthereum5.17MUSDC5.86%7.22%1.26%
Echelon-marketAptos1.64MUSDC4.72%3.55%1.26%
Zest-v2Stacks10.17MUSDC0%0.75%1.09%
ExactlyOP Mainnet1.61MUSDC0%0.93%1.06%
AcrossEthereum1.12MUSDT2.94%1.73%0.89%
Centrifuge-protocolPlume Mainnet20.77MUSDC0%3.39%0.7%
TectonicCronos1.25MUSDC0.03%0.42%0.55%
Centrifuge-protocolMonad4.55MUSDC0%2.97%0.51%
Lista-lendingEthereum4.07MUSDT5.13%6.12%0.51%
Aave-v4Avalanche7.27MUSDC4.68%5.48%0.44%
AcrossEthereum1.10MUSDC4.34%4.4%0.26%
Aave-v4Avalanche3.57MUSDT6.54%6.25%0.17%
CredixSolana13.41MUSDC0%0.06%0.07%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum8108.7M8.47%
Avalanche8292.4M3.7%
Base18133.5M6.67%
BSC13134.6M4.52%
Ethereum743B6.8%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon110.3M3.23%
Solana16551.3M10.76%
TON12.8M4.87%
zkSync Era000%