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 3.63% on Jun 02 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
04/06/2026 17:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
SymbiosisEthereum1.27MUSDC0%8.04%14.73%
Ember-protocolSui1.14MUSDC0%8.46%13.82%
Canto-lendingCanto1.35MUSDC0%13.34%13.61%
Ember-protocolEthereum37.59MUSDC0%15.42%12.52%
SparklendEthereum12.66MUSDT0%3.09%10.91%
Harmonix-financeHyperliquid L119.08MUSDC0%10.25%10.33%
Bracket-vaultsEthereum2.74MUSDC0%10.59%10.25%
GoldfinchEthereum36.72MUSDC0%10.06%10.12%
Bitway-earnBSC23.45MUSDT0%10.44%10%
Gains-networkArbitrum6.11MUSDC0%6.95%9.85%
AutofinanceEthereum1.52MUSDC0%10.32%9.43%
YieldseekerBase1.95MUSDC0%9.09%9.39%
Lista-lendingBSC3.18MUSDT5.18%8.6%9.37%
SymbiosisTron2.05MUSDT0%7.55%9.32%
Ember-protocolSui1.13MUSDC0%7.94%9.29%
Harvest-financeEthereum1.09MUSDC0%5.24%9.09%
Ember-protocolSui3.02MUSDC0%7.34%8.99%
Ember-protocolSui1.53MUSDC0%9.47%8.97%
AvantisBase39.64MUSDC0%10.72%8.75%
Fusion-by-iporEthereum1.19MUSDC0%6.15%8.29%
Blend-pools-v2Stellar11.53MUSDC0%8.52%8.06%
Ember-protocolSui6.07MUSDC4%12%8%
Ember-protocolSui1.09MUSDC0%9.86%7.99%
Lista-lendingBSC3.29MUSDT0.19%1.81%7.71%
LoopscaleSolana1.02MUSDC0.77%8.01%7.3%
Zerobase-cedefiArbitrum7.62MUSDT2%9%7%
Zerobase-cedefiEthereum14.30MUSDT2%9%7%
Ember-protocolEthereum4.63MUSDC0%6.98%6.92%
Ember-protocolEthereum2.79MUSDC0%7.43%6.86%
Ember-protocolSui7.61MUSDC0%7.15%6.86%
Zerobase-cedefiBSC2.15MUSDC2%8.76%6.76%
Zerobase-cedefiBSC24.54MUSDT2%8.76%6.76%
Fluid-lendingArbitrum36.94MUSDC0%5.68%6.61%
Extra-finance-leverage-farmingBase3.71MUSDC0%6.3%6.16%
Moonwell-lendingBase1.49MUSDC1.1%6.19%6.04%
Fluid-lendingEthereum112.64MUSDC1.28%6.15%5.77%
Fluid-lendingEthereum8.49MUSDC0%4.17%5.77%
Storm-tradeTON3.58MUSDT0%5.99%5.68%
Harvest-financeBase1.89MUSDC0%9.89%5.68%
AmpleBase4.31MUSDC0%4.77%5.68%
AutofinanceEthereum7.33MUSDC0.58%4.97%5.48%
Hyperlend-pooledHyperliquid L111.40MUSDC0%5.1%5.44%
AutofinanceBase7.37MUSDC2.82%8.38%5.37%
Kamino-lendSolana1.20MUSDC0%5.71%5.3%
Ember-protocolSui1.76MUSDC4.62%12.55%5.13%
Kamino-lendSolana7.83MUSDC0%5.08%5.09%
Kamino-lendSolana10.99MUSDC0%5.35%5.04%
Navi-lendingSui3.17MUSDC0.56%4.9%4.84%
Kamino-lendSolana6.81MUSDC0%5.89%4.82%
Fluid-lendingBase9.23MUSDC0%5.51%4.81%
Yearn-financeEthereum5.12MUSDC0%5.53%4.78%
Folks-finance-lendingAlgorand1.28MUSDC0%4.47%4.62%
Flux-financeEthereum1.71MUSDT0%4.59%4.57%
Yearn-financeEthereum11.53MUSDC0%5.09%4.56%
Folks-finance-xchainPolygon1.05MUSDT0%4.54%4.4%
Benqi-lendingAvalanche4.76MUSDC0%6.85%4.38%
Benqi-lendingAvalanche1.73MUSDT0%5.08%4.22%
ExactlyOP Mainnet1.64MUSDC0%4.16%4.19%
LazyEthereum1.01MUSDC0%8.44%4.18%
LazyEthereum1.01MUSDC0%8.44%4.18%
ExactlyOP Mainnet1.64MUSDC0%4.12%4.16%
Aave-v3Avalanche6.66MUSDC0%5.36%4.15%
ExactlyOP Mainnet1.64MUSDC0%4.04%4.08%
Aave-v3Avalanche2.87MUSDT0%5.38%4.06%
ExactlyOP Mainnet1.64MUSDC0%3.95%4.05%
ExactlyOP Mainnet1.64MUSDC0%3.94%4.04%
Gains-networkBase2.19MUSDC0%3.11%4.03%
ExactlyOP Mainnet1.64MUSDC0%3.96%4.02%
MapleEthereum890.22MUSDT0%4.29%4%
SparklendEthereum3.41MUSDC0%4.14%3.99%
ExactlyOP Mainnet1.64MUSDC0%3.94%3.99%
ExactlyOP Mainnet1.64MUSDC0%3.94%3.95%
TermmaxEthereum6.66MUSDC0%3.66%3.94%
Yo-protocolEthereum3.11MUSDC0%4.16%3.91%
Yo-protocolBase14.57MUSDC0%4.16%3.91%
TermmaxBase1.25MUSDC0%4.14%3.83%
ExactlyOP Mainnet1.64MUSDC0%1.71%3.8%
Yearn-financeBase2MUSDC0%90.56%3.75%
Yearn-financeEthereum2.67MUSDC0%3.54%3.72%
Flux-financeEthereum2.66MUSDC0%3.68%3.69%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum350.7M7.82%
Avalanche416M4.2%
Base1289.6M5.62%
BSC556.6M8.12%
Ethereum251.2B6.75%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.1M4.4%
Solana527.9M5.51%
TON13.6M5.68%
zkSync Era000%