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 02 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
04/02/2026 21:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Gains-networkArbitrum13.21MUSDC0%8.92%18.12%
Bracket-vaultsEthereum3.63MUSDC0%15.36%14.75%
Gains-networkBase2.34MUSDC0%11.04%14.64%
Blend-pools-v2Stellar1.29MUSDC0.81%14.1%14.07%
FranciumSolana2.44MUSDC0%13.15%13.15%
Lazy-summer-protocolEthereum16.26MUSDC0.49%5.84%12.88%
AcrossEthereum1.43MDAI0.69%5.79%12.8%
WasabiSolana1.28MUSDC0%8.59%12.47%
Blend-pools-v2Stellar6.21MUSDC0%12.41%10.91%
Euler-v2Avalanche1.07MUSDC0%8.72%10.67%
Euler-v2Avalanche1.07MUSDC0%8.72%10.67%
LiqwidCardano2.12MUSDC1.58%12.7%10.58%
AvantisBase93.02MUSDC0%11.17%10.5%
GoldfinchEthereum37.74MUSDC0%10.01%10.01%
Storm-tradeTon5.84MUSDT0%7.94%9.57%
AutofinanceEthereum19.54MUSDC0.43%8.79%7.63%
DeltaprimeAvalanche1.71MUSDC0%6.98%7.17%
Woofi-earnArbitrum1.16MUSDC0%7.1%7.15%
Ipor-fusionBase1.86MUSDC0%7.6%6.39%
LoopscaleSolana5.71MUSDC0.56%8.81%6.26%
Yo-protocolBase28.65MUSDC14%9.65%6.13%
Harvest-financeBase2.77MUSDC0%6.42%6.11%
WasabiBase10.59MUSDC0%7.39%6.08%
Hyperlend-pooledHyperliquid9.55MUSDC0%5.72%5.95%
Scallop-lendSui1.53MUSDC0%5.71%5.86%
Extra-finance-leverage-farmingBase5.52MUSDC0.12%6.5%5.49%
Harmonix-financeArbitrum1.30MUSDC0%5.1%5.42%
Ipor-fusionEthereum5.90MUSDT0%7.94%5.29%
AutofinanceBase20.53MUSDC1.76%7.77%5.26%
Echelon-marketAptos9.46MUSDC0%4.74%5.14%
LoopscaleSolana13.15MUSDC0%6.15%5.11%
NeverlandMonad2.63MUSDC9.56%15.61%5.02%
DolomiteArbitrum2.61MUSDC0%4.79%4.97%
Euler-v2Ethereum35.72MUSDC0%4.61%4.95%
Lazy-summer-protocolBase4.36MUSDC0.42%3.93%4.95%
AutofinanceEthereum8.70MUSDC0%2.16%4.85%
SymbiosisTron1.56MUSDT0%4.14%4.83%
Euler-v2Ethereum24.45MUSDC0%4.72%4.8%
Takara-lendSei1.17MUSDC3.75%8.33%4.67%
Flux-financeEthereum1.62MUSDT0%4.6%4.62%
MapleEthereum1.67BUSDT0%4.8%4.58%
VesperEthereum2.43MUSDC0%4.32%4.58%
Yearn-financeEthereum7.38MUSDT0%4.75%4.54%
Folks-finance-lendingAlgorand1.67MUSDC0%4.35%4.45%
AutofinanceArbitrum1.32MUSDC2.24%6.96%4.42%
ExactlyOptimism1.82MUSDC0%4.4%4.38%
Harvest-financeEthereum1.07MUSDC0%4.96%4.27%
Navi-lendingSui10.05MUSDC0.84%5.64%4.25%
Harvest-financeBase1.52MUSDC0%5.32%4.25%
ExactlyOptimism1.82MUSDC0%4.2%4.22%
ExactlyOptimism1.82MUSDC0%4.19%4.22%
Ipor-fusionBase1.52MUSDC0%4.95%4.2%
Flux-financeEthereum1.43MUSDC0%4.14%4.2%
Benqi-lendingAvalanche6.93MUSDC0%4.83%4.13%
Yearn-financeEthereum7.61MUSDT0%4.45%4.12%
ExactlyOptimism1.82MUSDC0%4%4.07%
Folks-finance-xchainPolygon2.14MUSDT0%6.13%4.01%
Spark-savingsEthereum156.37MUSDT0%4%4%
Spark-savingsEthereum157.08MUSDC0%4%4%
Spark-savingsAvalanche98.68MUSDC0%4%4%
Yearn-financeEthereum10.83MDAI0%2.62%3.99%
ExactlyOptimism1.82MUSDC0%3.93%3.99%
Aave-v3Ethereum8.77MUSDC0%4.14%3.93%
DolomiteEthereum16.06MUSDC0%3.68%3.9%
ExactlyOptimism1.82MUSDC0%3.85%3.89%
Aave-v3Base48.72MUSDC0%3.74%3.86%
ExactlyOptimism1.82MUSDC0%3.77%3.86%
ExactlyOptimism1.82MUSDC0%3.54%3.79%
Fluid-lendingEthereum3.04MUSDC0%3.73%3.66%
Fluid-lendingEthereum320.10MUSDC0.96%4.85%3.66%
Yearn-financeEthereum33.27MUSDC0%4.8%3.65%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum519.6M8.02%
Avalanche5109.5M7.33%
Base12221.4M6.49%
BSC000%
Ethereum242.6B5.82%
Hyperliquid19.6M5.95%
Mantle000%
Optimism814.6M4.05%
Polygon12.1M4.01%
Solana422.6M9.25%
TON15.8M9.57%
zkSync Era000%