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 % on ). 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
23/09/2026 22:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Neutral-tradeSolana2.30MUSDC0%21.49%86.75%
Gains-networkArbitrum4.52MUSDC0%25.56%39.48%
EnsuroEthereum1.15MUSDC0%21.13%38.74%
Neutral-tradeSolana3.47MUSDC0%8.87%25.4%
Ember-protocolEthereum17.72MUSDC0%10.88%21.34%
VerantaBase9.78MUSDC0%12.81%21.15%
Harvest-financeBase1.86MUSDC0%43.83%20.91%
AccountableEthereum2.24MUSDC16.58%36.68%20.71%
AccountableEthereum3.39MUSDC0%11.29%17.83%
Nawa-protocolZIGChain3.44MUSDC0%8.25%15.02%
AccountableEthereum1.05MUSDC0.75%14.98%14.25%
AccountableEthereum1.05MUSDC0.75%14.98%14.25%
Neutral-tradeSolana2.20MUSDC0%14.92%13.41%
Ember-protocolEthereum1.64MUSDC0%28.29%12.93%
Ember-protocolEthereum4.19MUSDC0%12.97%12.9%
AccountableMonad7.50MUSDC1.07%16.47%12.59%
AccountableEthereum13.88MUSDC0%12.27%12.51%
Ember-protocolSui2.48MUSDC0%2.2%12.46%
Ember-protocolSui1.15MUSDC0%10.25%12.19%
AccountableMonad5.44MUSDC0.48%12.09%11.64%
AccountableMonad74.99MUSDC0.31%11.66%11.4%
Ember-protocolEthereum10.31MUSDC0%9.76%11.04%
Centrifuge-protocolPlume Mainnet20.79MUSDC0%2.99%10.64%
Pareto-creditEthereum11.01MUSDC0%10.59%10.59%
Midas-rwaEthereum1.70MUSDC0%8.27%10.57%
Ember-protocolSui9.06MUSDC0%10.09%10.44%
AguaEthereum7.49MUSDC0%10%10%
Ember-protocolEthereum3.39MUSDC0%9.53%9.75%
Pareto-creditEthereum2.19MUSDC0%9.38%9.38%
Rhea-lendNear1.60MUSDT0%12.54%8.92%
Bitway-earnBSC25.15MUSDT0%8%8%
Ember-protocolSui8.79MUSDC4%12%8%
Sentora-curatorEthereum74.34MUSDC0%6.71%7.85%
Pareto-creditEthereum154.87MUSDC0%7.87%7.82%
Blend-pools-v2Stellar10.16MUSDC0%7.4%7.69%
Midas-rwaEthereum7.49MUSDC0%7.58%7.67%
Bitway-earnBSC6.53MUSDT0%7.5%7.5%
Midas-rwaEthereum65.32MUSDC0%7.52%7.37%
Aave-v4Ethereum1.20MUSDT0%3.85%7.33%
Neutral-tradeSolana1.25MUSDC0%10.1%7.16%
Harmonix-financeHyperliquid L121.80MUSDC0%7%7.11%
Zerobase-cedefiEthereum14.08MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.62MUSDT2%9%7%
Fusion-by-iporEthereum1.28MUSDC0%6.47%6.89%
Lista-lendingBSC1.68MUSDT0%6.72%6.88%
LoopscaleSolana1.24MUSDC0.34%7.09%6.85%
AccountableMonad2.30MUSDC0.5%7.34%6.79%
Zerobase-cedefiBSC18.11MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.13MUSDC2%8.76%6.76%
Yearn-financeEthereum7.57MUSDC0%6.78%6.75%
Harvest-financeEthereum1.16MUSDC0%9.41%6.69%
Midas-rwaEtherlink4.94MUSDC0%8%6.68%
Rhea-lendNear1.99MUSDC0%9.56%6.66%
Euler-v2Monad5.85MUSDC1.25%7.94%6.65%
Pareto-creditEthereum22.06MUSDC0%6.85%6.62%
Midas-rwaEthereum26.44MUSDC0%6.63%6.48%
Midas-rwaEthereum31.54MUSDC0%6.52%6.47%
Harvest-financeBase1.24MUSDC0%7.19%6.37%
Extra-finance-leverage-farmingBase3.70MUSDC0%6.46%6.23%
Kamino-lendSolana8.61MUSDC0%7.19%6.01%
Yearn-financeEthereum11.82MUSDC0%6.57%6%
Midas-rwaEthereum6.73MUSDC0%7.11%6%
Midas-rwaEthereum2.52MUSDC0%7.11%6%
Midas-rwaEthereum67.69MUSDC0%7.12%5.82%
Aave-v3Monad10.05MUSDC0.2%5.92%5.73%
AccountableMonad7.42MUSDC0.49%6.11%5.46%
AutofinanceBase3.55MUSDC6.06%9.49%5.4%
Centrifuge-protocolAvalanche262.65MUSDC0%4.89%5.32%
Centrifuge-protocolBase22.65MUSDC0%4.9%5.32%
Centrifuge-protocolEthereum9.30MUSDC0%4.92%5.31%
Fluid-lendingEthereum129.66MUSDT0%4.81%5.31%
Alchemix-v3Ethereum7.71MUSDC0%5.48%5.27%
Aave-v3Avalanche5.34MUSDC0%4.33%5.26%
AutofinanceEthereum7.62MUSDC1.16%6.12%5.26%
Aave-v3Avalanche2.20MUSDT0%4.04%4.97%
Native-credit-poolEthereum1.10MUSDC0%4.93%4.93%
Yearn-financeBase1.50MUSDC0%5.01%4.9%
Storm-tradeTON2.73MUSDT0%5.28%4.87%
MapleEthereum631.78MUSDT0%4.68%4.79%
Midas-rwaEthereum6.43MUSDC0%4.48%4.74%
Midas-rwaEtherlink1.12MUSDC0%4.44%4.74%
AmpleBase4.39MUSDC0%4.04%4.68%
Kamino-lendSolana8MUSDC0%4.6%4.66%
Navi-lendingSui9.63MUSDC0.5%5.31%4.66%
Kamino-lendSolana1.31MUSDC0%4.52%4.66%
Fusion-by-iporBase2.11MUSDC0%7.04%4.53%
Jupiter-lendSolana469.77MUSDC0.38%4.83%4.53%
Centrifuge-protocolEthereum2.08MUSDT0%2.9%4.51%
Kamino-lendSolana2.96MUSDC0%5.47%4.49%
Compound-v3Ethereum36.39MUSDC0%4.92%4.47%
Flux-financeEthereum1.95MUSDT0%4.45%4.44%
Kamino-lendSolana3.50MUSDC0%5.32%4.4%
ExactlyOP Mainnet1.57MUSDC0%4.38%4.39%
Yo-protocolBase8.22MUSDC0%4.2%4.38%
Yo-protocolEthereum1.35MUSDC0%4.2%4.38%
ExactlyOP Mainnet1.57MUSDC0%4.31%4.34%
ExactlyOP Mainnet1.57MUSDC0%4.33%4.33%
ExactlyOP Mainnet1.57MUSDC0%4.25%4.29%
Ember-protocolEthereum2.04MUSDC0%4.28%4.28%
ExactlyOP Mainnet1.57MUSDC0%4.15%4.22%
TydroInk17.18MUSDC0%3.99%4.21%
Fluid-lendingEthereum135.58MUSDC0%4.66%4.2%
CurvanceMonad3.24MUSDC1.8%5.63%4.19%
ExactlyOP Mainnet1.57MUSDC0%4.2%4.18%
ExactlyOP Mainnet1.57MUSDC0%4.07%4.17%
Flux-financeEthereum1.57MUSDC0%3.88%4.15%
Gami-labsBase3.03MUSDC0%2.65%4.14%
Spectra-metavaultsBase3.03MUSDC0%2.69%4.14%
Fluid-lendingArbitrum64.79MUSDC0%4.16%4.11%
ExactlyOP Mainnet1.57MUSDC0%3.91%4.07%
Jupiter-lendSolana17.09MUSDT0%4%4.05%
Yearn-financeEthereum2.39MUSDC0%3.91%4.04%
SymbiosisEthereum1.22MUSDC0%4.9%3.99%
Aave-v4Ethereum2.12MUSDC0%4.57%3.98%
Aave-v3Base17.88MUSDC0%3.62%3.8%
Hyperlend-pooledHyperliquid L18.36MUSDC0%5.26%3.78%
ExactlyOP Mainnet1.57MUSDC0%1.16%3.74%
Aave-v3Ethereum207.03MUSDT0%3.49%3.68%
Aave-v3Ethereum67.89MUSDT1.5%4.95%3.68%
Aave-v3Ethereum166.89MUSDC0%3.97%3.64%
Aave-v3Ethereum58.17MUSDC1.67%5.57%3.64%
Lista-lendingBSC1.46MUSDT0%2.54%3.64%
DolomiteArbitrum1.64MUSDC0%4.46%3.63%
Yearn-financeEthereum19.66MUSDC0%3.7%3.62%
Spark-savingsEthereum304.51MUSDC0%3.57%3.6%
Spark-savingsAvalanche9.02MUSDC0%3.57%3.6%
Venus-core-poolBSC9.24MUSDC0%2.91%3.58%
Spark-savingsEthereum390.25MUSDT0%3.36%3.5%
Midas-rwaEthereum72.45MUSDC0%3.35%3.49%
Midas-rwaEtherlink1.22MUSDC0%3.35%3.49%
Kamino-lendSolana2.06MUSDT0%3.93%3.49%
Centrifuge-protocolBase7.14MUSDC0%5.29%3.45%
Centrifuge-protocolPharos4.40MUSDC0%3.16%3.45%
SparklendEthereum15.57MUSDT0%3.25%3.4%
SparklendEthereum3.81MUSDC0%3.45%3.39%
Aave-v3Xlayer1.63MUSDC0%2.44%3.37%
Aave-v3BSC1.75MUSDC0%3.08%3.32%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Yearn-financeEthereum5.74MUSDT0%3.25%3.29%
Aave-v3Polygon10.32MUSDC0%2.95%3.23%
Venus-core-poolBSC50.24MUSDT0%2.76%3.17%
Benqi-lendingAvalanche1.10MUSDT0%3.61%3.17%
Centrifuge-protocolMonad10.06MUSDC0%2.25%3.16%
Aave-v3Ethereum15.82MDAI0%3.04%3.15%
Native-credit-poolBSC1.40MUSDT0%3.14%3.14%
DolomiteEthereum33.35MUSDC3.49%7.37%3.13%
Yearn-financeEthereum1.11MUSDC0%3.53%3.12%
Kamino-lendSolana1.23MUSDC0%1.41%3.06%
Aave-v3Arbitrum22.59MUSDC0%2.67%3.05%
Compound-v3Arbitrum2.38MUSDC0%2.85%3.02%
Aave-v3BSC10.94MUSDT0%2.68%3%
Lista-lendingBSC2.68MUSDT0%3.21%2.95%
SaveSolana4.36MUSDC0%3.01%2.94%
Compound-v3Ethereum32.44MUSDT0%3.05%2.91%
Aave-v3OP Mainnet1.61MUSDC0%2.54%2.91%
Yearn-financeEthereum7.37MDAI0%3.19%2.85%
SparklendEthereum85.69MDAI0%2.4%2.71%
Compound-v3Arbitrum4.02MUSDT0%2.59%2.61%
Venus-fluxBSC1.73MUSDT0%2.76%2.24%
Justlend-v1Tron83.19MUSDT0%2.33%2.15%
Aave-v3Arbitrum1.07MDAI0%1.89%1.99%
Aave-v3Sonic1.15MUSDC0%1.85%1.83%
CurrentSui19.15MUSDC6.75%8.96%1.82%
SaveSolana2.26MUSDT0%1.79%1.74%
Fluid-lendingBase15.39MUSDC9.99%5.21%1.61%
Lista-lendingEthereum5.17MUSDC5.29%7.24%1.27%
Zest-v2Stacks10.21MUSDC0%0.77%1.11%
ExactlyOP Mainnet1.57MUSDC0%0.93%1.07%
Echelon-marketAptos1.87MUSDC4.21%3.65%1.06%
Fusion-by-iporBase1.24MUSDC0%6.62%0.96%
Lista-lendingEthereum4.07MUSDT4.64%6.13%0.57%
TectonicCronos1.26MUSDC0.02%0.44%0.54%
Aave-v4Avalanche7.08MUSDC4.65%5.44%0.48%
AcrossEthereum1.12MUSDT2.89%1.81%0.34%
AcrossEthereum1.10MUSDC4.27%4.42%0.21%
Aave-v4Avalanche3.48MUSDT6.54%6.32%0.19%
CredixSolana13.41MUSDC0%0.06%0.07%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum8108.6M8.11%
Avalanche7290.9M3.28%
Base17117.3M6.41%
BSC13133.1M4.69%
Ethereum693.1B6.85%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon110.3M3.23%
Solana17545M10.8%
TON12.7M4.87%
zkSync Era000%