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 09 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
12/04/2026 19:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bracket-vaultsEthereum2.70MUSDC0%12.24%11.78%
BitwayBSC13.17MUSDT0%11.77%11%
AvantisBase62.32MUSDC0%9.35%10.76%
Spectra-metavaultsBase5.13MUSDC2.94%92.26%10.6%
AbyssSui1.90MUSDC0%8.66%10.14%
GoldfinchEthereum37.25MUSDC0%10.03%10.06%
AutofinanceArbitrum1.79MUSDC1.96%6.87%9.82%
Blend-pools-v2Stellar10.18MUSDC0%9.3%9.03%
SymbiosisTron1.19MUSDT0%6.13%8.67%
LoopscaleSolana1.35MUSDC1.24%8.27%7.69%
Gains-networkArbitrum8.93MUSDC0%6.45%7.36%
Zerobase-cedefiEthereum14.45MUSDT2%9%7%
Zerobase-cedefiArbitrum7.94MUSDT2%9%7%
SymbiosisEthereum1.49MUSDC0%5.67%6.9%
Zerobase-cedefiBSC23.63MUSDT2%9.32%6.76%
Zerobase-cedefiBSC1.24MUSDC2%8.89%6.76%
AccountableMonad2.13MUSDC3.43%9.6%6.31%
AutofinanceEthereum8.48MUSDC0.63%5.37%6.06%
Extra-finance-leverage-farmingBase3.91MUSDC0%5.08%5.86%
Harvest-financeBase2.02MUSDC0%6.01%5.58%
Project-0Solana2.14MUSDC0%4.05%5.47%
DeltaprimeAvalanche1.16MUSDC0%5.42%5.1%
LoopscaleSolana1.57MUSDC0%4.93%5.04%
Wasabi-perpsBase3.62MUSDC0%4.13%4.78%
Scallop-lendSui1.68MUSDC0%4.63%4.78%
Lazy-summer-protocolEthereum2.53MUSDC0.93%4.08%4.75%
Yearn-financeEthereum1.67MUSDC0%5.05%4.75%
AutofinanceBase6.79MUSDC2.84%6.24%4.75%
AutofinanceEthereum8.75MUSDC0%3.99%4.73%
Woofi-earnArbitrum1.18MUSDC0%4.74%4.66%
Flux-financeEthereum1.59MUSDT0%4.57%4.66%
Yo-protocolEthereum10.97MUSDC12%14.11%4.64%
Yo-protocolBase27.68MUSDC12%14.12%4.64%
Hyperlend-pooledHyperliquid L112.89MUSDC0%3.99%4.61%
Yearn-financeEthereum3.71MUSDC0%4.25%4.15%
Benqi-lendingAvalanche5.36MUSDC0%3.93%4.14%
SparklendEthereum1.92MUSDC0%4.12%4.14%
DolomiteEthereum15.08MUSDC0%5.8%4.13%
Storm-tradeTon3.86MUSDT0%3.69%4.12%
ExactlyOptimism1.60MUSDC0%0.64%3.99%
Navi-lendingSui10.94MUSDC0.51%4.39%3.99%
Folks-finance-xchainPolygon1.64MUSDT0%3.63%3.99%
ExactlyOptimism1.60MUSDC0%3.64%3.97%
ExactlyOptimism1.60MUSDC0%4.23%3.93%
Yearn-financeEthereum8.80MDAI0%2.86%3.87%
LiqwidCardano1.11MUSDC0%3.28%3.87%
LiqwidCardano1.11MUSDC0%3.28%3.87%
Euler-v2Avalanche2.02MUSDC0%6.73%3.81%
Euler-v2Ethereum28.17MUSDC0%3.51%3.81%
Benqi-lendingAvalanche2.21MUSDT0%4.54%3.78%
Flux-financeEthereum2.43MUSDC0%3.87%3.77%
Euler-v2Monad1.95MUSDC0%1.1%3.76%
Spark-savingsEthereum400.75MUSDC0%3.75%3.75%
Spark-savingsAvalanche67.19MUSDC0%3.75%3.75%
NeverlandMonad17.69MUSDC4.32%8.46%3.72%
ExactlyOptimism1.60MUSDC0%3.25%3.7%
ExactlyOptimism1.60MUSDC0%1.26%3.65%
MapleEthereum1.96BUSDT0%3.82%3.63%
Folks-finance-lendingAlgorand2.04MUSDC0%3.44%3.63%
Fluid-lendingBase10.03MUSDC2.13%6.3%3.63%
ExactlyOptimism1.60MUSDC0%3.99%3.62%
Yearn-financeBase2.47MUSDC0%3.27%3.61%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum419.8M7.21%
Avalanche577.9M4.12%
Base9124M6.02%
BSC338M8.17%
Ethereum182.5B5.37%
Hyperliquid000%
Mantle000%
Optimism69.6M3.81%
Polygon11.6M3.99%
Solana35.1M6.07%
TON13.9M4.12%
zkSync Era000%