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 3.61% on Feb 19 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
22/02/2026 21:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Euler-v2Avalanche2.95MUSDT0%31.01%31.01%
Bracket-vaultsEthereum3.28MUSDC0%14.52%13.72%
Blend-pools-v2Stellar6.17MUSDC0%11.14%13.39%
AbyssSui1.32MUSDC0%7.59%13.09%
AvantisBase90.49MUSDC0%11.22%10.59%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
Gains-networkArbitrum11.42MUSDC0%10.68%9.86%
Ipor-fusionEthereum3.91MUSDT0%6.71%7.56%
Woofi-earnArbitrum1.20MUSDC0%7.1%7.06%
AutofinanceEthereum21.10MUSDC0.31%8%6.28%
LoopscaleSolana1.65MUSDC1.22%7.28%6.22%
Harvest-financeBase4.28MUSDC0%6.36%6.21%
DeltaprimeAvalanche1.28MUSDC0%6.45%6.19%
Euler-v2Avalanche1.14MUSDC0%7.34%5.78%
Euler-v2Avalanche5.54MUSDC0%6.64%5.78%
Hyperlend-pooledHyperliquid L115.40MUSDC0%6.13%5.5%
Yo-protocolBase29.03MUSDC14%17.71%5.37%
WasabiSolana1.68MUSDC0%7.42%5.33%
Harmonix-financeArbitrum1.15MUSDC0%5.5%5.29%
WasabiBase6.81MUSDC0%6.21%5.1%
Scallop-lendSui1.66MUSDC0%5.33%5.03%
LoopscaleSolana1.23MUSDC2.21%7.32%4.92%
Extra-finance-leverage-farmingBase4MUSDC0%5.05%4.84%
LiqwidCardano2.50MUSDC1.58%9.92%4.78%
Yearn-financeEthereum3.97MUSDC0%5.99%4.68%
AutofinanceBase17.86MUSDC1.66%6.88%4.64%
Flux-financeEthereum1.62MUSDT0%4.62%4.62%
AutofinanceArbitrum1.48MUSDC1.69%6.31%4.6%
Echelon-marketAptos8.24MUSDC0%4.9%4.58%
NeverlandMonad4.57MUSDC7.68%12.74%4.48%
Yearn-financeEthereum7.30MUSDT0%4.55%4.45%
SymbiosisEthereum1.16MUSDC0%5.8%4.4%
Euler-v2Ethereum40.07MUSDC0%4.91%4.36%
SymbiosisTron1.76MUSDT0%4.82%4.34%
Gains-networkBase2.16MUSDC0%8.38%4.32%
ExactlyOptimism1.69MUSDC0%4.22%4.25%
MapleEthereum1.34BUSDT0%4.38%4.22%
Flux-financeEthereum1.45MUSDC0%4.18%4.19%
DolomiteEthereum13.45MUSDC0%4.59%4.17%
ExactlyOptimism1.69MUSDC0%3.88%4.16%
Navi-lendingSui9.41MUSDC0.66%5.02%4.14%
ExactlyOptimism1.69MUSDC0%4.07%4.13%
ExactlyOptimism1.69MUSDC0%4%4.05%
Folks-finance-lendingAlgorand1.76MUSDC0%4.14%4.04%
Yearn-financeEthereum1.11MUSDC0%4.19%4.01%
Yearn-financeEthereum1.11MUSDC0%4.19%4.01%
Spark-savingsAvalanche150.59MUSDC0%4%4%
Spark-savingsEthereum233.65MUSDC0%4%4%
ExactlyOptimism1.69MUSDC0%4.2%3.95%
ExactlyOptimism1.69MUSDC0%3.88%3.95%
Yearn-financeEthereum12.59MDAI0%4.37%3.88%
Benqi-lendingAvalanche2.48MUSDT0%3.67%3.78%
Fluid-lendingArbitrum45.40MUSDC0.89%4.13%3.77%
ExactlyOptimism1.69MUSDC0%3.11%3.72%
Folks-finance-xchainPolygon2.49MUSDT0%3.91%3.71%
AutofinanceEthereum5.01MUSDC0%5.34%3.69%
ExactlyOptimism1.69MUSDC0%3.84%3.65%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum560.6M6.11%
Avalanche6164M9.42%
Base7154.6M5.87%
BSC000%
Ethereum171.7B5.43%
Hyperliquid000%
Mantle000%
Optimism813.5M3.98%
Polygon12.5M3.71%
Solana34.6M5.49%
TON000%
zkSync Era000%