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 3.70% on Jul 16 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
18/07/2026 20:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableMonad3.01MUSDC0.79%42.1%40.61%
AccountableMonad69.19MUSDC0.24%12.89%17.6%
AccountableEthereum1.05MUSDC0%14.25%14.25%
AccountableEthereum1.05MUSDC0%14.25%14.25%
Harvest-financeBase1.87MUSDC0%15.29%13.66%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum8.80MUSDC0%12.83%12.9%
Midas-rwaEthereum1.98MUSDC0%10.01%12.76%
AccountableEthereum2.15MUSDC0%10.86%11.66%
Ember-protocolSui1.09MUSDC0%9.53%11.27%
AvantisBase21.61MUSDC0%9.73%10.59%
Pareto-creditEthereum15.17MUSDC0%10.59%10.59%
Midas-rwaEthereum46.88MUSDC0%10.56%10.57%
Midas-rwaMonad1.88MUSDC0%10.56%10.57%
Midas-rwaEthereum73.75MUSDC0%12.4%10.34%
AccountableMonad5.21MUSDC0.48%10.48%10%
GoldfinchEthereum36.72MUSDC0%10.11%10%
AccountableMonad10.05MUSDC0.45%9.51%9.97%
Pareto-creditEthereum2.13MUSDC0%9.38%9.38%
Bracket-vaultsEthereum2.82MUSDC0%9.65%9.35%
Ember-protocolEthereum3.30MUSDC0%9.22%9.21%
Midas-rwaEtherlink4.67MUSDC0%7.47%8.94%
Midas-rwaEthereum7.72MUSDC0%8.82%8.74%
Ember-protocolSui1.36MUSDC0%8.19%8.61%
Midas-rwaEthereum6.65MUSDC0%7.77%8.37%
Midas-rwaEthereum2.50MUSDC0%7.76%8.37%
Pareto-creditEthereum157.64MUSDC0%8.31%8.31%
Midas-rwaEthereum29.02MUSDC0%3.61%8.27%
Harmonix-financeHyperliquid L119.20MUSDC0%9.08%8.18%
YieldseekerBase1.95MUSDC0%8.19%8.14%
Bitway-earnBSC23.28MUSDT0%8.81%8%
Ember-protocolSui7MUSDC4%12%8%
Ember-protocolSui3.53MUSDC0%9.04%7.92%
Midas-rwaEthereum4.54MUSDC0%6.3%7.82%
Ember-protocolSui1.20MUSDC0%10.57%7.75%
Blend-pools-v2Stellar11.89MUSDC0%7.01%7.48%
Pareto-creditEthereum21.81MUSDC0%7.13%7.13%
AccountableMonad1.61MUSDC0.5%7.36%7.03%
Gami-labsStellar16.46MUSDC0%7%7%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
Zerobase-cedefiBSC21.44MUSDT2%8.76%6.76%
Zerobase-cedefiBSC1.97MUSDC2%8.76%6.76%
Yearn-financeEthereum6.17MUSDC0%5.92%6.73%
Extra-finance-leverage-farmingBase3.45MUSDC0%6.37%6.51%
AutofinanceEthereum8.62MUSDC0.42%6.55%6.46%
Harvest-financeEthereum1.17MUSDC0%7.73%6.36%
Gains-networkArbitrum6.70MUSDC0%5.63%6.36%
LoopscaleSolana3.77MUSDC0.22%7.83%6.32%
Fusion-by-iporEthereum2.90MUSDC0%6.21%6.19%
Kamino-lendSolana5.22MUSDC0%7.05%6.14%
Yearn-financeEthereum9.10MUSDC0%5.94%6.03%
SymbiosisTron1.57MUSDT0%6.14%5.88%
AccountableEthereum3.95MUSDC10.22%15.55%5.87%
Hyperlend-pooledHyperliquid L111.56MUSDC0%6.66%5.86%
Storm-tradeTON3.61MUSDT0%5.93%5.75%
Ember-protocolSui1.10MUSDC6.64%11.6%5.66%
Yearn-financeEthereum1.19MUSDC0%4.65%5.62%
Fluid-lendingBase8.65MUSDC0%5.48%5.47%
Ember-protocolSui5.76MUSDC0%5.86%5.22%
AutofinanceBase5.83MUSDC2.22%7.24%5.18%
Fluid-lendingEthereum138.97MUSDC0%6.08%5.14%
Fluid-lendingEthereum9.44MUSDC0%5.67%5.14%
LoopscaleSolana1.23MUSDC0%6.06%5.13%
Fluid-lendingArbitrum36.13MUSDC0%5.79%5%
DolomiteArbitrum1.18MUSDC0%4.48%4.98%
Yearn-financeBase1.77MUSDC0%4.93%4.97%
Navi-lendingSui7.01MUSDC0.42%5.78%4.97%
Kamino-lendSolana4.03MUSDC0%4.72%4.89%
Centrifuge-protocolPlume Mainnet33.01MUSDC0%4.53%4.52%
Centrifuge-protocolMonad10.05MUSDC0%4.96%4.52%
Flux-financeEthereum1.90MUSDT0%4.46%4.45%
Native-credit-poolEthereum6.16MUSDC0%3.64%4.4%
ExactlyOP Mainnet1.78MUSDC0%4.21%4.32%
Native-credit-poolBSC5.01MUSDT0%3.91%4.31%
ExactlyOP Mainnet1.78MUSDC0%4.17%4.24%
ExactlyOP Mainnet1.78MUSDC0%4.13%4.23%
ExactlyOP Mainnet1.78MUSDC0%4.09%4.15%
ExactlyOP Mainnet1.78MUSDC0%4.02%4.15%
MapleEthereum0.93BUSDT0%4.06%4.15%
Fluid-lendingEthereum138.24MUSDT0%5.56%4.14%
Euler-v2Monad2.20MUSDC2.63%6.07%4.09%
Moonwell-lendingBase2.17MUSDC0.36%5.1%4.07%
Yo-protocolBase10.12MUSDC0%4.16%4.05%
Yo-protocolEthereum2.38MUSDC0%4.16%4.05%
ExactlyOP Mainnet1.78MUSDC0%3.85%4.04%
ExactlyOP Mainnet1.78MUSDC0%3.98%4.04%
Kamino-lendSolana1.07MUSDT0%3.52%4.01%
ExactlyOP Mainnet1.78MUSDC0%3.65%3.97%
Lista-lendingBSC2.02MUSDT0.84%6.47%3.97%
Lista-lendingBSC6.16MUSDT0%4.64%3.92%
AmpleBase4.30MUSDC0%4.42%3.86%
Jupiter-lendSolana419.53MUSDC0.72%4.8%3.85%
Aave-v3Ethereum8.63MDAI0%4.39%3.85%
TermmaxBase1.20MUSDC0%3.93%3.84%
Ember-protocolSui1.19MUSDC0%3.03%3.82%
ExactlyOP Mainnet1.78MUSDC0%3.98%3.81%
Benqi-lendingAvalanche4.65MUSDC0%3.76%3.77%
SymbiosisEthereum1.22MUSDC0%5.98%3.77%
Euler-v2Ethereum5.92MUSDC0%3.32%3.75%
Flux-financeEthereum2.60MUSDC0%3.72%3.72%
Lazy-summer-protocolEthereum4.05MUSDC0.4%4%3.7%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum451.6M5.83%
Avalanche14.6M3.77%
Base1162.9M6.4%
BSC659.9M5.62%
Ethereum391.7B7.51%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon000%
Solana6434.8M5.06%
TON13.6M5.75%
zkSync Era000%