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 Feb 26 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
01/03/2026 21:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Euler-v2Avalanche2.96MUSDT0%31.01%31.01%
Usd-aiArbitrum2.07MUSDC0%14%14%
Bracket-vaultsEthereum3.29MUSDC0%14.15%13.38%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
AvantisBase89.06MUSDC0%11.15%9.63%
Blend-pools-v2Stellar11.76MUSDC0%10.6%8.54%
Fusion-by-iporEthereum4.50MUSDT0%6.81%7.7%
Gains-networkArbitrum12.26MUSDC0%10.71%7.42%
Woofi-earnArbitrum1.21MUSDC0%7.09%7.04%
WasabiSolana1.40MUSDC0%7.14%6.77%
Fusion-by-iporBase1.70MUSDC0%5.61%6.53%
LoopscaleSolana1.50MUSDC1.19%7.01%6.22%
AbyssSui1.85MUSDC0%9.01%6.22%
Yo-protocolBase29.47MUSDC12%21.24%5.7%
AutofinanceEthereum5.01MUSDC0%4.74%5.61%
AutofinanceEthereum19.95MUSDC0.37%7.4%5.55%
Euler-v2Avalanche1.32MUSDC0%6.87%5.54%
Euler-v2Avalanche5.19MUSDC0%6.17%5.54%
Extra-finance-leverage-farmingBase3.93MUSDC0%4.81%5.43%
DeltaprimeAvalanche1.14MUSDC0%6.17%5.38%
DeltaprimeAvalanche1.14MUSDC0%6.17%5.38%
Harvest-financeBase3.92MUSDC0%6.01%5.21%
Gains-networkBase1.95MUSDC0%7.46%5.2%
LiqwidCardano2.31MUSDC1.58%8.36%5.17%
WasabiBase6.70MUSDC0%5.84%5.07%
Scallop-lendSui1.92MUSDC0%5.27%4.74%
Hyperlend-pooledHyperliquid L120.80MUSDC0%5.75%4.61%
AutofinanceBase17.37MUSDC1.72%6.55%4.56%
Flux-financeEthereum1.73MUSDT0%4.62%4.55%
Echelon-marketAptos8.24MUSDC0%4.81%4.53%
Benqi-lendingAvalanche1.67MUSDT0%3.74%4.43%
MapleEthereum1.43BUSDT0%4.27%4.42%
AutofinanceArbitrum1.35MUSDC1.89%6.23%4.38%
Euler-v2Ethereum40.06MUSDC0%4.84%4.36%
DolomiteEthereum11.95MUSDC0%4.63%4.32%
ExactlyOptimism1.68MUSDC0%4.23%4.25%
Yearn-financeEthereum7.59MUSDT0%4.47%4.23%
Flux-financeEthereum1.45MUSDC0%4.19%4.19%
ExactlyOptimism1.68MUSDC0%4.01%4.18%
ExactlyOptimism1.68MUSDC0%4.1%4.14%
NeverlandMonad7.62MUSDC8.21%12.5%4.1%
ExactlyOptimism1.68MUSDC0%4.03%4.07%
Spark-savingsEthereum238.14MUSDC0%4%4%
Spark-savingsAvalanche151.98MUSDC0%4%4%
ExactlyOptimism1.68MUSDC0%3.92%3.98%
Aave-v3Ethereum4.31MUSDC0%3.2%3.96%
Folks-finance-lendingAlgorand1.88MUSDC0%4.08%3.91%
ExactlyOptimism1.68MUSDC0%4.13%3.91%
ExactlyOptimism1.68MUSDC0%3.79%3.85%
Navi-lendingSui11.52MUSDC0.59%4.7%3.79%
VesperEthereum2.58MUSDC0%4.07%3.77%
LoopscaleSolana10.74MUSDC0%4.07%3.75%
Folks-finance-xchainPolygon2.50MUSDT0%3.87%3.71%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum416.9M8.21%
Avalanche7165.4M8.75%
Base8154.1M5.92%
BSC000%
Ethereum141.8B5.72%
Hyperliquid000%
Mantle000%
Optimism711.8M4.05%
Polygon12.5M3.71%
Solana313.6M5.58%
TON000%
zkSync Era000%