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 06 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
10/02/2026 20:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bracket-vaultsEthereum3.30MUSDC0%15.1%14.29%
AvantisBase88.32MUSDC0%11.37%12.05%
Blend-pools-v2Stellar1.46MUSDC0.74%14.02%11.86%
Storm-tradeTon5.67MUSDT0%9.58%11.35%
Blend-pools-v2Stellar7.45MUSDC0%11.74%10.19%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
SymbiosisEthereum1.20MUSDC0%5.89%8.34%
AutofinanceEthereum15.81MUSDC0.38%8.88%8.03%
LiqwidCardano2.39MUSDC1.58%12.38%7.78%
Yearn-financeEthereum1.36MUSDC0%5.23%7.48%
Woofi-earnArbitrum1.20MUSDC0%7.09%7.04%
Gains-networkArbitrum12.37MUSDC0%10.58%6.95%
SymbiosisTron1.85MUSDT0%4.67%6.76%
WasabiSolana2.04MUSDC0%8.74%6.7%
Gains-networkBase2.37MUSDC0%10.62%6.67%
AcrossEthereum1.38MDAI0.37%7.33%6.67%
WasabiBase7.21MUSDC0%7.14%6.52%
Echelon-marketAptos5.18MUSDC0%4.79%6.45%
DolomiteEthereum8.04MUSDC0%4.41%6.3%
DeltaprimeAvalanche1.34MUSDC0%6.67%6.1%
VesperEthereum2.40MUSDC0%4.5%5.87%
Harmonix-financeArbitrum1.23MUSDC0%5.25%5.8%
AccountableMonad1.36MUSDC3%13.55%5.76%
Hyperlend-pooledHyperliquid11.90MUSDC0%5.95%5.75%
Ipor-fusionEthereum3.90MUSDT0%7.69%5.68%
LoopscaleSolana4.38MUSDC0.65%8.1%5.54%
Silo-v2Avalanche1.58MUSDC0%8.58%5.29%
Euler-v2Ethereum39.86MUSDC0%4.78%5.24%
AutofinanceBase17.98MUSDC1.8%7.53%5.22%
Harvest-financeBase2.92MUSDC0%6.15%5.2%
Scallop-lendSui1.95MUSDC0%5.61%5%
Yo-protocolBase29.12MUSDC28%12.45%4.91%
Flux-financeEthereum1.61MUSDT0%4.6%4.63%
Yearn-financeEthereum7.33MUSDT0%4.76%4.39%
ExactlyOptimism1.77MUSDC0%4.39%4.37%
Aave-v3Ethereum7.63MUSDC0%3.72%4.3%
ExactlyOptimism1.77MUSDC0%4.21%4.23%
ExactlyOptimism1.77MUSDC0%4.2%4.23%
Flux-financeEthereum1.44MUSDC0%4.15%4.19%
Euler-v2Ethereum32.31MUSDC0%4.74%4.17%
AutofinanceArbitrum1.34MUSDC2.01%6.56%4.16%
Yearn-financeEthereum7.57MUSDT0%4.47%4.16%
ExactlyOptimism1.77MUSDC0%3.61%4.12%
Navi-lendingSui9.94MUSDC0.76%5.37%4.11%
ExactlyOptimism1.77MUSDC0%4.03%4.09%
MapleEthereum1.52BUSDT0%4.7%4.08%
Folks-finance-xchainAvalanche1.07MUSDC0%5.73%4.07%
Folks-finance-xchainAvalanche1.07MUSDC0%5.73%4.07%
Ipor-fusionBase1.83MUSDC0%7.34%4.06%
Yearn-financeEthereum33.22MUSDC0%4.67%4.05%
ExactlyOptimism1.77MUSDC0%3.96%4.02%
Spark-savingsAvalanche117.83MUSDC0%4%4%
Spark-savingsEthereum176.89MUSDC0%4%4%
ExactlyOptimism1.77MUSDC0%3.8%3.91%
ExactlyOptimism1.77MUSDC0%3.87%3.9%
Folks-finance-xchainPolygon2.33MUSDT0%5.76%3.84%
SparklendEthereum7.93MUSDC0%3.69%3.82%
Extra-finance-leverage-farmingBase4.91MUSDC0.13%5.96%3.78%
Folks-finance-lendingAlgorand2.04MUSDC0%4.27%3.77%
ExactlyOptimism1.77MUSDC0%3.07%3.76%
Spark-savingsEthereum267.02MUSDT0%3.99%3.75%
Yearn-financeEthereum12.73MDAI0%4.57%3.66%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum416.1M5.99%
Avalanche5122.9M4.71%
Base8154.7M6.05%
BSC000%
Ethereum222.2B5.78%
Hyperliquid111.9M5.75%
Mantle000%
Optimism915.9M4.07%
Polygon12.3M3.84%
Solana26.4M6.12%
TON15.7M11.35%
zkSync Era000%