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 3.74% on Jun 30 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
02/07/2026 18:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Ember-protocolEthereum1.99MUSDC0%7.75%71.92%
AccountableEthereum1.04MUSDC0%14.28%14.25%
AccountableEthereum1.04MUSDC0%14.28%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
AccountableEthereum2.12MUSDC0%6.36%13.53%
Harvest-financeBase1.86MUSDC0%15.86%13.06%
Ember-protocolEthereum10.49MUSDC0%12.64%12.9%
AccountableMonad49.10MUSDC0.35%11.12%11.6%
Gains-networkArbitrum6.85MUSDC0%9.82%10.89%
AvantisBase30.41MUSDC0%9.62%10.71%
GoldfinchEthereum36.72MUSDC0%10.12%10.12%
AccountableMonad5.19MUSDC0.48%10.25%10%
Bracket-vaultsEthereum2.64MUSDC0%10.04%9.55%
Harmonix-financeHyperliquid L120.57MUSDC0%9.85%9.16%
Ember-protocolEthereum3.01MUSDC0%8.72%9.15%
AccountableMonad8.94MUSDC0.5%10.89%9.07%
Ember-protocolSui2.71MUSDC0%9.12%8.75%
Ember-protocolSui1.09MUSDC0%8.44%8.66%
Ember-protocolSui7MUSDC4%12%8%
Bitway-earnBSC22.98MUSDT0%9.89%8%
Gami-labsBase3.01MUSDC0.03%2.21%7.47%
Spectra-metavaultsBase3.01MUSDC0.03%1.87%7.47%
LoopscaleSolana1.56MUSDC0.73%8.13%7.38%
Ember-protocolSui6.91MUSDC0%5.66%7.28%
Ember-protocolSui1.20MUSDC0%11.33%7.25%
Zerobase-cedefiEthereum14.20MUSDT2%9%7%
Zerobase-cedefiArbitrum7.63MUSDT2%9%7%
Gami-labsStellar14.64MUSDC0%7%7%
AccountableMonad2.94MUSDC0.49%7.66%6.79%
Zerobase-cedefiBSC2.12MUSDC2%8.76%6.76%
Zerobase-cedefiBSC22.22MUSDT2%8.76%6.76%
Kamino-lendSolana4.79MUSDC0%4.31%6.76%
Kamino-lendSolana3.86MUSDC0%6.51%6.74%
Blend-pools-v2Stellar14.40MUSDC0%7.13%6.64%
AutofinanceEthereum7.17MUSDC0.36%6.25%6.21%
Storm-tradeTON3.74MUSDT0%5.93%6%
Yearn-financeEthereum5.68MUSDC0%4.85%5.99%
Harvest-financeEthereum1.13MUSDC0%8.27%5.96%
Extra-finance-leverage-farmingBase3.44MUSDC0%6.57%5.96%
Fluid-lendingArbitrum36.73MUSDC0%5.97%5.94%
Hyperlend-pooledHyperliquid L110.51MUSDC0%5.9%5.81%
Fluid-lendingBase8.49MUSDC0%5.36%5.79%
Ember-protocolSui1.35MUSDC0%7.93%5.78%
Fusion-by-iporEthereum1.91MUSDC0%6.23%5.75%
Kamino-lendSolana2.86MUSDC0%4.94%5.71%
Centrifuge-protocolBase2.22MUSDC0%3.3%5.52%
Centrifuge-protocolEthereum5.87MUSDC0%3.31%5.52%
Jupiter-lendSolana372.64MUSDC0.81%4.64%5.45%
Navi-lendingSui5.37MUSDC0.47%5.99%5.42%
Yearn-financeEthereum8.59MUSDC0%5.24%5.41%
Fluid-lendingEthereum124.66MUSDT0%5.69%5.3%
SymbiosisTron1.31MUSDT0%6.61%5.28%
AmpleBase4.28MUSDC0%4.8%5.22%
Euler-v2Ethereum6.88MUSDC0%3.12%5.18%
SymbiosisEthereum1.33MUSDC0%8.99%5.16%
AutofinanceBase7.03MUSDC1.87%7.54%5.11%
Fluid-lendingEthereum8.22MUSDC0%5.4%5.07%
Fluid-lendingEthereum139.62MUSDC0%6.48%5.07%
Yearn-financeBase1.70MUSDC0%4.54%4.99%
Native-credit-poolBSC4.05MUSDT0%3.57%4.83%
Centrifuge-protocolPlume Mainnet32.91MUSDC0%1.89%4.58%
Native-credit-poolEthereum5.26MUSDC0%3.25%4.58%
DolomiteArbitrum1.39MUSDC0%3.8%4.49%
Flux-financeEthereum1.92MUSDT0%4.51%4.44%
Lista-lendingBSC6.32MUSDT0.14%5.06%4.4%
Yearn-financeEthereum1.18MUSDC0%3.91%4.38%
Folks-finance-lendingAlgorand1.33MUSDC0%4.61%4.38%
AzuroPolygon1.36MUSDT0%42.17%4.35%
Ember-protocolSui1.12MUSDC5.71%11.17%4.33%
Moonwell-lendingBase1.98MUSDC0.38%6.25%4.2%
Centrifuge-protocolAvalanche259.86MUSDC0%3.33%4.19%
Centrifuge-protocolBase50.11MUSDC0%3.32%4.19%
ExactlyOP Mainnet1.78MUSDC0%4.12%4.17%
ExactlyOP Mainnet1.78MUSDC0%4.16%4.16%
AccountableEthereum4.11MUSDC0%11.9%4.15%
Euler-v2Monad2.19MUSDC3.14%4.4%4.13%
ExactlyOP Mainnet1.78MUSDC0%4.05%4.11%
ExactlyOP Mainnet1.78MUSDC0%4.03%4.09%
ExactlyOP Mainnet1.78MUSDC0%4.11%4.05%
Aave-v3Avalanche2.37MUSDT0%3.67%4.04%
Yo-protocolEthereum2.39MUSDC0%4.21%4.03%
Yo-protocolBase10.48MUSDC0%4.21%4.03%
Scallop-lendSui1.19MUSDC0%5.56%4.03%
ExactlyOP Mainnet1.78MUSDC0%3.9%4.03%
MapleEthereum1.12BUSDT0%4.14%3.98%
ExactlyOP Mainnet1.78MUSDC0%3.95%3.97%
Folks-finance-xchainPolygon1.26MUSDT0%4.09%3.96%
Lista-lendingBSC4.91MUSDT0.06%4.7%3.92%
ExactlyOP Mainnet1.78MUSDC0%3.41%3.83%
TermmaxBase1.20MUSDC0%4.08%3.82%
Yearn-financeEthereum7.27MUSDT0%3.26%3.79%
ExactlyOP Mainnet1.78MUSDC0%3.76%3.75%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum452.6M7.08%
Avalanche2262.2M4.11%
Base14129.2M6.25%
BSC662.6M5.78%
Ethereum271.5B9.36%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon22.6M4.16%
Solana5385.7M6.41%
TON13.7M6%
zkSync Era000%