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 3.69% on Jul 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
12/07/2026 21:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Centrifuge-protocolMonad10.04MUSDC0%4.25%19.93%
AccountableEthereum1.04MUSDC0%14.27%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Harvest-financeBase1.86MUSDC0%17.25%12.98%
Ember-protocolEthereum6.11MUSDC0%12.8%12.9%
AccountableEthereum2.13MUSDC0%9.61%11.71%
Hyperlend-pooledHyperliquid L17.92MUSDC0%6.24%11.68%
AccountableMonad49.01MUSDC0.41%11.83%11.6%
Midas-rwaMonad2.94MUSDC0%10.55%10.58%
Midas-rwaEthereum46.02MUSDC0%10.55%10.58%
Ember-protocolSui1.09MUSDC0%9.54%10.32%
Midas-rwaEthereum73.43MUSDC0%13.17%10.3%
GoldfinchEthereum36.72MUSDC0%10.12%10.12%
AccountableMonad5.20MUSDC0.5%10.42%10%
AccountableMonad8.97MUSDC0.5%9.09%9.98%
Ember-protocolSui2.84MUSDC0%9.3%9.82%
Ember-protocolEthereum3.28MUSDC0%9.3%9.47%
Bracket-vaultsEthereum2.75MUSDC0%9.8%9.45%
Midas-rwaEtherlink3.77MUSDC0%6.53%9.25%
Midas-rwaEthereum1.98MUSDC0%9.86%9.22%
YieldseekerBase1.89MUSDC0%7.88%9.09%
Lista-lendingBSC1.89MUSDT1.21%6.52%9.09%
Ember-protocolSui1.36MUSDC0%8.35%8.77%
Midas-rwaEthereum7.74MUSDC0%8.81%8.58%
Ember-protocolSui5.80MUSDC0%6.03%8.54%
AvantisBase29.13MUSDC0%9.79%8.54%
Harmonix-financeHyperliquid L121.44MUSDC0%9.44%8.49%
Ember-protocolSui6.95MUSDC4%12%8%
Bitway-earnBSC23.27MUSDT0%9.21%8%
Blend-pools-v2Stellar11.94MUSDC0%6.79%7.36%
Harvest-financeEthereum1.13MUSDC0%7.71%7.35%
AccountableMonad2.95MUSDC0.5%7.35%7.03%
Zerobase-cedefiArbitrum7.63MUSDT2%9%7%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Gami-labsStellar15.17MUSDC0%7%7%
Centrifuge-protocolPlume Mainnet32.98MUSDC0%3.86%6.98%
Ember-protocolSui1.12MUSDC6.39%12.2%6.84%
Yearn-financeEthereum5.67MUSDC0%5.54%6.8%
Ember-protocolSui1.20MUSDC0%10.96%6.79%
Zerobase-cedefiBSC21.40MUSDT2%8.76%6.76%
Zerobase-cedefiBSC1.94MUSDC2%8.76%6.76%
Extra-finance-leverage-farmingBase3.46MUSDC0%6.62%6.71%
Midas-rwaEthereum6.64MUSDC0%7.94%6.57%
Midas-rwaEthereum2.49MUSDC0%7.93%6.57%
AutofinanceEthereum8.66MUSDC0.41%6.42%6.53%
AccountableEthereum4.03MUSDC10.02%14.35%6.46%
Yearn-financeEthereum8.98MUSDC0%5.66%6.12%
Kamino-lendSolana5.35MUSDC0%6.82%6.11%
Fusion-by-iporEthereum1.92MUSDC0%6.09%6.09%
SparklendEthereum15.72MUSDT0%3.11%6.05%
Storm-tradeTON3.62MUSDT0%5.96%5.76%
Fluid-lendingBase8.58MUSDC0%5.54%5.7%
Fluid-lendingArbitrum38.09MUSDC0%5.77%5.56%
AutofinanceBase5.94MUSDC2.09%7.3%5.44%
Fluid-lendingEthereum126.82MUSDT0%5.66%5.31%
Navi-lendingSui5.95MUSDC0.44%5.9%5.24%
SymbiosisTron1.76MUSDT0%6.16%5.16%
Yearn-financeBase1.76MUSDC0%4.87%5.01%
Yearn-financeEthereum1.19MUSDC0%4.35%4.93%
Kamino-lendSolana4.21MUSDC0%4.7%4.92%
SymbiosisEthereum1.21MUSDC0%6.56%4.84%
Fluid-lendingEthereum135.79MUSDC0%6.28%4.83%
Fluid-lendingEthereum9.43MUSDC0%5.64%4.83%
DolomiteArbitrum1.32MUSDC0%4.19%4.58%
Flux-financeEthereum1.90MUSDT0%4.47%4.45%
Aave-v3Avalanche2.26MUSDT0%3.54%4.43%
Midas-rwaEthereum4.54MUSDC0%5.93%4.4%
Project-0Solana1.03MUSDC0%5.61%4.32%
Project-0Solana1.03MUSDC0%5.61%4.32%
ExactlyOP Mainnet1.68MUSDC0%4.18%4.28%
Centrifuge-protocolMonad4.52MUSDC0%3.18%4.28%
Native-credit-poolEthereum5.22MUSDC0%3.47%4.23%
ExactlyOP Mainnet1.68MUSDC0%4.15%4.2%
ExactlyOP Mainnet1.68MUSDC0%4.09%4.19%
ExactlyOP Mainnet1.68MUSDC0%4.07%4.11%
ExactlyOP Mainnet1.68MUSDC0%3.98%4.08%
Euler-v2Monad2.21MUSDC3.14%5.57%4.07%
MapleEthereum1.01BUSDT0%4.1%4.07%
Yo-protocolEthereum2.38MUSDC0%4.28%4.06%
Yo-protocolBase10.12MUSDC0%4.28%4.06%
Benqi-lendingAvalanche4.05MUSDC0%3.74%4.03%
Midas-rwaEtherlink1.11MUSDC0%3.17%4.03%
Midas-rwaEthereum7.15MUSDC0%3.18%4.03%
AmpleBase4.30MUSDC0%4.53%4.02%
Native-credit-poolBSC5.05MUSDT0%3.78%4.02%
ExactlyOP Mainnet1.68MUSDC0%3.97%4%
Moonwell-lendingBase2.43MUSDC0.36%5.43%3.99%
Euler-v2Ethereum7.51MUSDC0%3.2%3.99%
Folks-finance-xchainPolygon1.28MUSDT0%3.97%3.94%
ExactlyOP Mainnet1.68MUSDC0%3.8%3.92%
ExactlyOP Mainnet1.68MUSDC0%3.69%3.9%
Scallop-lendSui1.08MUSDC0%4.71%3.89%
Kamino-lendSolana16.82MUSDC0%4.45%3.86%
Lazy-summer-protocolEthereum4.04MUSDC0.88%3.9%3.86%
TermmaxBase1.20MUSDC0%4.12%3.86%
ExactlyOP Mainnet1.68MUSDC0%4.04%3.85%
Kamino-lendSolana1.95MUSDC0%4.36%3.81%
Gains-networkArbitrum7.38MUSDC0%7.02%3.76%
Flux-financeEthereum2.60MUSDC0%3.72%3.72%
Lista-lendingBSC6.14MUSDT0%4.69%3.7%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum454.4M5.22%
Avalanche26.3M4.23%
Base1170.7M6.31%
BSC659.7M6.39%
Ethereum341.6B6.87%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.3M3.94%
Solana630.4M4.56%
TON13.6M5.76%
zkSync Era000%