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 3.58% on Jan 30 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
03/02/2026 23:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Gains-networkArbitrum13.14MUSDC0%8.65%19.59%
Blend-pools-v2Stellar1.21MUSDC0.81%14.09%15.62%
Bracket-vaultsEthereum3.63MUSDC0%15.4%14.75%
Gains-networkBase2.34MUSDC0%10.9%13.95%
FranciumSolana2.44MUSDC0%13.15%13.15%
WasabiBase9.36MUSDC0%7.43%13.1%
Aave-v3Base2.30MUSDC0%3.67%12.87%
AcrossEthereum1.43MDAI0.68%5.47%12.49%
Blend-pools-v2Stellar6.07MUSDC0%12.44%11.39%
LiqwidCardano2.04MUSDC1.58%12.68%11.13%
AvantisBase93.17MUSDC0%11.1%10.47%
GoldfinchEthereum37.74MUSDC0%10.01%10.01%
Euler-v2Avalanche1.13MUSDC0%8.66%9.66%
Ipor-fusionBase1.51MUSDC0%4.92%8.7%
Harvest-financeBase1.52MUSDC0%4.66%8.66%
AutofinanceEthereum20.23MUSDC0.39%8.78%8.54%
Harvest-financeBase1.51MUSDC0%5.29%8.51%
DeltaprimeAvalanche1.70MUSDC0%7%7.24%
Woofi-earnArbitrum1.16MUSDC0%7.1%7.17%
Storm-tradeTon5.84MUSDT0%7.81%6.75%
Yo-protocolBase28.96MUSDC14%9.25%6.59%
Hyperlend-pooledHyperliquid7.48MUSDC0%5.67%6.57%
LoopscaleSolana5.52MUSDC0.56%8.9%6.45%
WasabiSolana1.36MUSDC0%8.69%6.31%
Extra-finance-leverage-farmingBase5.15MUSDC0.12%6.52%6.11%
Harvest-financeBase3.16MUSDC0%6.41%5.91%
Harmonix-financeArbitrum1.30MUSDC0%5.08%5.63%
Ipor-fusionEthereum6.37MUSDC0%6.64%5.61%
Scallop-lendSui1.85MUSDC0%5.69%5.42%
Ipor-fusionBase1.86MUSDC0%7.62%5.36%
LoopscaleSolana13.45MUSDC0%6.18%5.31%
AutofinanceBase22.76MUSDC1.52%7.8%5.29%
SymbiosisEthereum1.09MUSDC0%4.96%5.09%
SymbiosisEthereum1.09MUSDC0%4.96%5.09%
Euler-v2Ethereum21.87MUSDC0%4.72%5.06%
Euler-v2Ethereum35.73MUSDC0%4.6%4.95%
DolomiteArbitrum2.67MUSDC0%4.78%4.92%
VesperEthereum2.43MUSDC0%4.29%4.85%
AutofinanceEthereum8.70MUSDC0%1.99%4.73%
Ipor-fusionEthereum5.91MUSDT0%7.95%4.64%
Flux-financeEthereum1.64MUSDT0%4.6%4.6%
MapleEthereum1.66BUSDT0%4.83%4.6%
Yearn-financeEthereum7.37MUSDT0%4.76%4.58%
Takara-lendSei1.19MUSDC3.8%8.33%4.58%
Folks-finance-lendingAlgorand1.56MUSDC0%4.33%4.58%
ExactlyOptimism1.80MUSDC0%4.4%4.38%
Moar-marketAptos2.04MUSDC4.95%15.88%4.35%
AutofinanceArbitrum1.32MUSDC2.06%7.02%4.31%
Ipor-fusionEthereum1.60MUSDC0%7.86%4.23%
ExactlyOptimism1.80MUSDC0%4.2%4.22%
ExactlyOptimism1.80MUSDC0%4.19%4.22%
Flux-financeEthereum1.46MUSDC0%4.14%4.19%
Folks-finance-xchainPolygon2.02MUSDT0%6.12%4.1%
Yearn-financeEthereum7.61MUSDT0%4.46%4.09%
Benqi-lendingAvalanche7.11MUSDC0%4.85%4.09%
ExactlyOptimism1.80MUSDC0%4%4.05%
Spark-savingsEthereum136.88MUSDT0%4%4%
Spark-savingsEthereum162.56MUSDC0%4%4%
Spark-savingsAvalanche104.94MUSDC0%4%4%
Yearn-financeEthereum10.83MDAI0%2.66%3.99%
ExactlyOptimism1.80MUSDC0%3.93%3.99%
Fluid-lendingEthereum309.80MUSDC1.02%4.85%3.95%
Fluid-lendingEthereum3.04MUSDC0%3.71%3.95%
Navi-lendingSui11.91MUSDC0.81%5.66%3.94%
Aave-v3Ethereum10.09MUSDC0%4.22%3.92%
NeverlandMonad2.92MUSDC9.2%15.83%3.92%
DolomiteEthereum16.15MUSDC0%3.68%3.89%
ExactlyOptimism1.80MUSDC0%3.85%3.89%
Echelon-marketAptos14.71MUSDC0%4.73%3.89%
ExactlyOptimism1.80MUSDC0%3.76%3.86%
Lazy-summer-protocolBase4.31MUSDC0.43%3.37%3.77%
Project-0Solana2.30MUSDT0%3.38%3.65%
Yearn-financeEthereum33.20MUSDC0%4.82%3.65%
ExactlyOptimism1.80MUSDC0%3.53%3.62%
ExactlyOptimism1.80MUSDC0%3.84%3.6%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum519.6M8.32%
Avalanche4114.9M6.24%
Base13177.9M8.41%
BSC000%
Ethereum262.5B5.52%
Hyperliquid17.5M6.57%
Mantle000%
Optimism916.2M3.98%
Polygon12M4.1%
Solana525.1M6.98%
TON15.8M6.75%
zkSync Era000%