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
19/09/2026 09:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Gains-networkArbitrum4.69MUSDC0%19.16%46.74%
Neutral-tradeSolana2.26MUSDC0%15.3%41.16%
AccountableEthereum1.84MUSDC19.88%34.47%25.27%
Ember-protocolEthereum17.39MUSDC0%8.9%24%
AvantisBase9.99MUSDC0%10.4%21.14%
Harvest-financeBase1.85MUSDC0%42.17%20.94%
EnsuroEthereum1.10MUSDC0%21.14%20.32%
Ember-protocolSui2.22MUSDC0%0.42%19.33%
AccountableMonad7.50MUSDC0.94%16.91%16.84%
Neutral-tradeSolana2.17MUSDC0%13.67%14.72%
AccountableEthereum1.05MUSDC0.75%15.06%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum1.64MUSDC0%26.34%12.93%
Ember-protocolEthereum6.01MUSDC0%12.89%12.9%
AccountableEthereum13.85MUSDC0%12.14%12.51%
Ember-protocolSui1.28MUSDC0%9.88%12.43%
Neutral-tradeSolana1.19MUSDC0%10.11%12.02%
Neutral-tradeSolana3.38MUSDC0%4.53%11.95%
Midas-rwaEthereum26.37MUSDC0%5.2%11.87%
AccountableMonad5.04MUSDC0.44%12.09%11.64%
Ember-protocolEthereum10.30MUSDC0%9.63%11.44%
AccountableMonad74.98MUSDC0.27%12.01%11.4%
AccountableEthereum3.39MUSDC0%10.87%11.31%
Nawa-protocolZIGChain3.43MUSDC0%7.87%10.69%
Pareto-creditEthereum11.01MUSDC0%10.59%10.59%
Ember-protocolSui8.30MUSDC0%10.06%10.21%
AguaEthereum6.11MUSDC0%10%10%
Ember-protocolEthereum3.35MUSDC0%9.49%9.51%
Pareto-creditEthereum2.18MUSDC0%9.38%9.38%
Harvest-financeBase1.09MUSDC0%7.03%8.68%
Blend-pools-v2Stellar9.79MUSDC0%7.11%8.28%
Rhea-lendNear1.81MUSDC0%6.82%8.09%
Bitway-earnBSC25.14MUSDT0%8%8%
Ember-protocolSui8.67MUSDC4%12%8%
Pareto-creditEthereum154.60MUSDC0%7.9%7.82%
Fusion-by-iporEthereum1.09MUSDC0%7.55%7.66%
Midas-rwaEtherlink4.93MUSDC0%8.64%7.6%
Midas-rwaEthereum65.47MUSDC0%7.7%7.51%
Bitway-earnBSC6.67MUSDT0%7.5%7.5%
Sentora-curatorEthereum74.35MUSDC0%6.56%7.3%
Midas-rwaEthereum7.49MUSDC0%7.74%7.15%
Midas-rwaEthereum67.34MUSDC0%7.13%7.13%
Fusion-by-iporEthereum1.28MUSDC0%6.44%7.09%
Zerobase-cedefiEthereum14.07MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.63MUSDT2%9%7%
Harmonix-financeHyperliquid L123.63MUSDC0%6.88%6.99%
Yearn-financeEthereum7.56MUSDC0%6.74%6.94%
AccountableMonad2.30MUSDC0.27%7.43%6.79%
Zerobase-cedefiBSC18.40MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.12MUSDC2%8.76%6.76%
Pareto-creditEthereum22MUSDC0%6.93%6.62%
Midas-rwaEthereum1.70MUSDC0%8.54%6.61%
Midas-rwaEthereum6.73MUSDC0%7.4%6.39%
Midas-rwaEthereum2.52MUSDC0%7.38%6.39%
Extra-finance-leverage-farmingBase3.69MUSDC0%6.55%6.26%
Kamino-lendSolana7.72MUSDC0%7.2%6.25%
Yearn-financeEthereum11.15MUSDC0%6.68%6.18%
Fusion-by-iporEthereum2.39MUSDC0%5.93%5.87%
Harvest-financeEthereum1.16MUSDC0%9.22%5.83%
Kamino-lendSolana1.04MUSDC0%5.52%5.74%
Midas-rwaEthereum31.46MUSDC0%6.49%5.6%
Euler-v2Monad5.89MUSDC1.6%8.33%5.52%
Alchemix-v3Ethereum7.74MUSDC0%5.36%5.48%
AutofinanceBase3.59MUSDC4.96%8.97%5.4%
Lista-lendingBSC2.03MUSDT0%6.95%5.16%
Storm-tradeTON2.81MUSDT0%5.35%5.15%
Hyperlend-pooledHyperliquid L119.17MUSDC0%5.52%5.14%
AutofinanceEthereum7.70MUSDC0.95%6.11%5.11%
Gami-labsBase3.03MUSDC0%2.2%5.05%
Spectra-metavaultsBase3.03MUSDC0%2.23%5.05%
Yearn-financeBase1.71MUSDC0%5.02%4.96%
AccountableMonad7.42MUSDC0.5%6.25%4.94%
Compound-v3Ethereum35.48MUSDC0%4.91%4.94%
Native-credit-poolEthereum1.13MUSDC0%4.91%4.93%
Lista-lendingBSC2.44MUSDT0%2.8%4.82%
Fluid-lendingEthereum127.58MUSDT0%4.84%4.82%
MapleEthereum693.61MUSDT0%4.6%4.75%
Navi-lendingSui9.26MUSDC0.45%5.44%4.59%
Rhea-lendNear1.71MUSDT0%4.43%4.54%
Fusion-by-iporBase1.23MUSDC0%7.42%4.54%
Jupiter-lendSolana469.78MUSDC0.38%4.84%4.53%
Benqi-lendingAvalanche3.07MUSDC0%4.94%4.52%
Kamino-lendSolana3.25MUSDC0%5.5%4.51%
Flux-financeEthereum1.94MUSDT0%4.45%4.44%
Fluid-lendingArbitrum62.22MUSDC0%4.19%4.43%
Fusion-by-iporBase1.09MUSDC2.84%6.5%4.43%
DolomiteArbitrum1.26MUSDC0%4.48%4.4%
Aave-v3Avalanche2.38MUSDT0%4.07%4.4%
Yearn-financeBase1.02MUSDC0%4.42%4.39%
Yearn-financeBase1.02MUSDC0%4.42%4.39%
ExactlyOP Mainnet1.66MUSDC0%4.38%4.39%
Ember-protocolEthereum2.04MUSDC0%4.16%4.36%
Fluid-lendingBase9.40MUSDC0%4.94%4.35%
ExactlyOP Mainnet1.66MUSDC0%4.3%4.33%
ExactlyOP Mainnet1.66MUSDC0%4.32%4.33%
Yo-protocolBase8.26MUSDC0%4.14%4.3%
Yo-protocolEthereum1.35MUSDC0%4.14%4.3%
ExactlyOP Mainnet1.66MUSDC0%4.24%4.28%
TydroInk16.16MUSDC0%3.7%4.27%
ExactlyOP Mainnet1.66MUSDC0%4.13%4.2%
ExactlyOP Mainnet1.66MUSDC0%4.2%4.18%
Flux-financeEthereum1.57MUSDC0%3.81%4.15%
ExactlyOP Mainnet1.66MUSDC0%4.03%4.15%
Aave-v4Ethereum1.51MUSDC0%4.47%4.1%
CurvanceMonad3.07MUSDC2%5.51%4.07%
Euler-v2Monad1.27MUSDC1.25%4.58%4.05%
Yearn-financeEthereum2.39MUSDC0%3.85%4.03%
Jupiter-lendSolana17.13MUSDT0%4%4.02%
ExactlyOP Mainnet1.66MUSDC0%3.93%4.01%
Aave-v3Avalanche5.84MUSDC0%4.12%4%
Venus-core-poolBSC7.14MUSDC0%2.65%3.94%
Aave-v3Monad16.68MUSDC2.13%5.76%3.89%
Kamino-lendSolana1.81MUSDC0%4.74%3.87%
Fluid-lendingEthereum149.75MUSDC0%4.74%3.85%
Fluid-lendingEthereum1.12MUSDC0%4.74%3.85%
Centrifuge-protocolAvalanche262.40MUSDC0%5.06%3.82%
Centrifuge-protocolBase62.60MUSDC0%5.06%3.82%
Centrifuge-protocolEthereum9.29MUSDC0%5.11%3.82%
Kamino-lendSolana19.43MUSDC0%4.81%3.81%
Midas-rwaEthereum3.49MUSDC0%3.78%3.78%
AmpleBase4.38MUSDC0%4.04%3.73%
SymbiosisEthereum1.28MUSDC0%4.91%3.7%
Aave-v3Base20.58MUSDC0%3.55%3.69%
Yearn-financeEthereum20.90MUSDC0%3.66%3.65%
Centrifuge-protocolPlume Mainnet20.78MUSDC0%5.4%3.61%
Aave-v3Ethereum179MUSDC0%3.92%3.6%
Aave-v3Ethereum58.45MUSDC1.66%5.49%3.6%
Spark-savingsEthereum308.91MUSDC0%3.56%3.6%
Spark-savingsAvalanche9.37MUSDC0%3.56%3.6%
Aave-v3Ethereum244.61MUSDT0%3.39%3.58%
Aave-v3Ethereum69.44MUSDT1.47%4.84%3.58%
ExactlyOP Mainnet1.66MUSDC0%0.67%3.58%
Spark-savingsEthereum397.32MUSDT0%3.29%3.5%
SaveSolana5.25MUSDC0%2.88%3.42%
Midas-rwaEthereum72.61MUSDC0%3.39%3.41%
Midas-rwaEtherlink1.22MUSDC0%3.4%3.41%
SparklendEthereum15.43MUSDT0%3.22%3.4%
Yearn-financeEthereum1.11MUSDC0%3.68%3.4%
Kamino-lendSolana2.06MUSDT0%4.17%3.4%
Aave-v3BSC1.71MUSDC0%3.02%3.34%
Native-credit-poolEthereum1.22MUSDT0%3.31%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Aave-v4Ethereum1.60MUSDT0%3.62%3.29%
Yearn-financeEthereum5.74MUSDT0%3.2%3.27%
DolomiteEthereum30.54MUSDC4.12%7.46%3.26%
Aave-v3Ethereum1.16MUSDC0%2.79%3.19%
Aave-v3Polygon10.69MUSDC0%2.88%3.14%
Native-credit-poolBSC1.41MUSDT0%3.14%3.14%
Aave-v3Ethereum16.74MDAI0%2.95%3.09%
Yearn-financeEthereum7.36MDAI0%3.25%3.01%
Benqi-lendingAvalanche1.27MUSDT0%3.79%3.01%
SparklendEthereum5.20MUSDC0%3.5%3%
Compound-v3Arbitrum2.69MUSDC0%2.82%2.94%
Compound-v3Ethereum34.87MUSDT0%3.08%2.89%
Aave-v3Arbitrum27.09MUSDC0%2.55%2.88%
Centrifuge-protocolPharos4.40MUSDC0%3.24%2.86%
Lista-lendingBSC1.96MUSDT0%2.11%2.8%
Centrifuge-protocolEthereum2.07MUSDT0%2.49%2.78%
Aave-v3OP Mainnet1.94MUSDC0%2.47%2.73%
Aave-v3BSC13.68MUSDT0%2.57%2.67%
Venus-core-poolBSC62.20MUSDT0%2.62%2.65%
Compound-v3Arbitrum4.38MUSDT0%2.6%2.52%
SparklendEthereum100.06MDAI0%2.34%2.46%
Justlend-v1Tron73.55MUSDT0%2.33%2.36%
CurrentSui14.34MUSDC6.72%9.1%2.11%
Aave-v4Ethereum1.41MUSDC0%1.86%2.05%
Aave-v3Arbitrum1.06MDAI0%1.93%2.01%
Kamino-lendSolana2.43MUSDC0%0.96%2%
Centrifuge-protocolMonad4.55MUSDC0%3.22%1.96%
SaveSolana2.39MUSDT0%1.73%1.96%
Scallop-lendSui1.06MUSDC0%2.42%1.91%
Aave-v3Sonic1.14MUSDC0%1.85%1.86%
Midas-rwaEthereum6.43MUSDC0%5.6%1.64%
Midas-rwaEtherlink1.12MUSDC0%5.57%1.64%
Echelon-marketAptos1.55MUSDC4.42%3.24%1.33%
Venus-fluxBSC1.82MUSDT0%2.68%1.23%
ExactlyOP Mainnet1.66MUSDC0%0.92%0.99%
Lista-lendingEthereum5.32MUSDC6.1%7.21%0.93%
Zest-v2Stacks10.14MUSDC0%0.71%0.86%
TectonicCronos1.21MUSDC0.03%0.36%0.59%
Lista-lendingEthereum3.97MUSDT5.42%6.14%0.52%
Aave-v4Avalanche7.42MUSDC4.72%5.1%0.4%
AcrossEthereum1.12MUSDT2.92%1.49%0.35%
AcrossEthereum1.10MUSDC4.31%4.35%0.17%
Aave-v4Avalanche3.60MUSDT6.57%5.62%0.14%
AccountableMonad1.14MUSDC0%14.3%0.13%
CredixSolana13.41MUSDC0%0.05%0.07%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum8111M9.11%
Avalanche8295.3M2.99%
Base18148.1M6.78%
BSC13146.7M4.52%
Ethereum753.2B6.14%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon110.7M3.14%
Solana16554.7M7.71%
TON12.8M5.15%
zkSync Era000%