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 3.64% on Jun 10 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
12/06/2026 17:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Harvest-financeBase1.85MUSDC0%9.66%23.53%
Gains-networkArbitrum6.53MUSDC0%9.41%17.12%
AccountableEthereum1.03MUSDC0%14.3%15%
Ember-protocolSui1.13MUSDC0%8.71%14.64%
Canto-lendingCanto1.35MUSDC0%13.47%13.61%
Ember-protocolEthereum37.66MUSDC0%14.35%12.52%
AccountableMonad44.69MUSDC1%9.59%11%
Bracket-vaultsEthereum2.75MUSDC0%10.42%10.23%
GoldfinchEthereum36.71MUSDC0%10.07%10.12%
Harmonix-financeHyperliquid L116.42MUSDC0%10.22%10.05%
AccountableMonad5.16MUSDC0%10%10%
Bitway-earnBSC24.06MUSDT0%10.3%10%
Ember-protocolSui3.21MUSDC0%7.58%9.45%
AvantisBase34.82MUSDC0%10.34%9.43%
AutofinanceEthereum1.53MUSDC0%10.3%9.24%
Harvest-financeEthereum1.12MUSDC0%6.24%8.87%
YieldseekerBase2.02MUSDC0%9.21%8.8%
Fusion-by-iporEthereum1.28MUSDC0%6.44%8.55%
LazyEthereum1.02MUSDC0%7.51%8.2%
LazyEthereum1.02MUSDC0%7.51%8.2%
Ember-protocolEthereum4.65MUSDC0%7.18%8.12%
Ember-protocolSui1.07MUSDC0%9.35%8%
Ember-protocolSui5.87MUSDC4%12%8%
SymbiosisEthereum1.18MUSDC0%9.49%7.94%
AccountableMonad9.33MUSDC1%12.79%7.61%
Extra-finance-leverage-farmingBase3.18MUSDC0%6.43%7.36%
LoopscaleSolana1.31MUSDC0.84%7.99%7.32%
Blend-pools-v2Stellar14.04MUSDC0%8.29%7.24%
Fluid-lendingArbitrum35.64MUSDC0%5.84%7.23%
Zerobase-cedefiArbitrum7.62MUSDT2%9%7%
AccountableMonad3.72MUSDC1%8.48%7%
Zerobase-cedefiEthereum14.30MUSDT2%9%7%
Zerobase-cedefiBSC23.12MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.07MUSDC2%8.76%6.76%
Ember-protocolSui1.47MUSDC0%8.78%6.09%
Fusion-by-iporEthereum1.47MUSDC0%6.24%5.94%
Storm-tradeTON3.60MUSDT0%5.84%5.88%
Kamino-lendSolana4.08MUSDC0%5.58%5.77%
Navi-lendingSui4.69MUSDC0.49%5.26%5.67%
AutofinanceEthereum7.36MUSDC0.46%5.17%5.66%
SymbiosisTron1.90MUSDT0%7.64%5.62%
Hyperlend-pooledHyperliquid L111.05MUSDC0%5.39%5.62%
Aave-v3Ethereum7.63MDAI0%2.64%5.58%
AutofinanceBase6.32MUSDC2.68%8.16%5.51%
Ember-protocolSui1.33MUSDC5.26%11.51%5.4%
Gains-networkBase2.13MUSDC0%4%5.14%
CurvanceMonad1.09MUSDC2.7%7.84%5.11%
Fluid-lendingBase9.14MUSDC0%5.35%5.11%
Ember-protocolSui7.07MUSDC0%6.53%5.01%
Ember-protocolEthereum2.71MUSDC0%6.86%5.01%
Kamino-lendSolana7.24MUSDC0%5.61%4.92%
Jupiter-lendSolana375.26MUSDC0.81%4.81%4.81%
Lista-lendingBSC3.32MUSDT0.83%2.93%4.73%
Yearn-financeEthereum11.64MUSDC0%4.82%4.53%
Flux-financeEthereum1.77MUSDT0%4.58%4.53%
Yearn-financeEthereum3.14MUSDC0%5.04%4.52%
AmpleBase4.27MUSDC0%4.85%4.51%
Yearn-financeBase1.72MUSDC0%51.12%4.44%
Ember-protocolSui1.13MUSDC0%7.31%4.38%
MapleEthereum847.94MUSDT0%4.22%4.38%
Fluid-lendingEthereum105.54MUSDC1.25%6.48%4.2%
Fluid-lendingEthereum8.52MUSDC0%4.56%4.2%
ExactlyOP Mainnet1.49MUSDC0%4.17%4.16%
ExactlyOP Mainnet1.49MUSDC0%4.15%4.15%
Euler-v2Monad1.39MUSDC0%4.72%4.12%
ExactlyOP Mainnet1.49MUSDC0%4.06%4.12%
ExactlyOP Mainnet1.49MUSDC0%3.99%4.11%
Moonwell-lendingBase1.60MUSDC1.09%6.57%4.11%
ExactlyOP Mainnet1.49MUSDC0%4%4.11%
Centrifuge-protocolBase50.01MUSDC0%3.84%4.09%
Centrifuge-protocolAvalanche259.32MUSDC0%3.85%4.09%
Centrifuge-protocolEthereum373.89MUSDC0%3.83%4.09%
Centrifuge-protocolBase2.14MUSDC0%3.83%4.09%
Centrifuge-protocolEthereum5.93MUSDC0%3.83%4.09%
ExactlyOP Mainnet1.49MUSDC0%3.99%4.05%
ExactlyOP Mainnet1.49MUSDC0%3.97%4.03%
Folks-finance-xchainPolygon1.25MUSDT0%4.47%4.02%
ExactlyOP Mainnet1.49MUSDC0%3.95%3.95%
ExactlyOP Mainnet1.49MUSDC0%2.65%3.89%
Yo-protocolEthereum2.73MUSDC0%4.11%3.86%
Yo-protocolBase12.24MUSDC0%4.1%3.86%
Yearn-financeEthereum1.18MUSDC0%3.35%3.8%
Yearn-financeEthereum2.45MUSDC0%3.66%3.79%
Benqi-lendingAvalanche5.23MUSDC0%5.94%3.78%
TermmaxBase1.25MUSDC0%4.07%3.73%
Lista-lendingBSC8.53MUSDT1.7%2.88%3.73%
TermmaxEthereum6.51MUSDC0%3.64%3.73%
Flux-financeEthereum2.60MUSDC0%3.69%3.72%
DolomiteEthereum21.73MUSDC5.33%8.86%3.7%
ExactlyOP Mainnet1.49MUSDC0%2.59%3.69%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum349.8M10.45%
Avalanche2264.6M3.94%
Base14132.7M6.69%
BSC561.1M6.4%
Ethereum301.5B6.44%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.3M4.02%
Solana4387.9M5.7%
TON13.6M5.88%
zkSync Era000%