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 Mar 31 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
02/04/2026 19:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bracket-vaultsEthereum2.72MUSDC0%12.63%12.06%
BitwayBSC14.84MUSDT0%12%12%
GoldfinchEthereum37.75MUSDC0%10.01%9.93%
SymbiosisEthereum1.18MUSDC0%4.47%9.78%
Blend-pools-v2Stellar9.43MUSDC0%9.34%9.4%
Spectra-metavaultsBase5.14MUSDC0.19%9.13%9.01%
AbyssSui1.91MUSDC0%8.65%8.99%
LoopscaleSolana1.65MUSDC1.25%7.93%8.97%
AvantisBase66.82MUSDC0%9.6%8.28%
Gains-networkArbitrum8.85MUSDC0%7.12%8.02%
Harvest-financeBase2.01MUSDC0%5.35%7.88%
SymbiosisTron1.17MUSDT0%5.01%7.13%
Zerobase-cedefiEthereum14.46MUSDT2%9%7%
Zerobase-cedefiArbitrum7.94MUSDT2%9%7%
Zerobase-cedefiBSC1.32MUSDC2%8.97%6.76%
Zerobase-cedefiBSC23.37MUSDT2%9.64%6.76%
Project-0Solana1.30MUSDC0%2.3%6.75%
Scallop-lendSui1.08MUSDC0%4.35%5.92%
Scallop-lendSui1.08MUSDC0%4.35%5.92%
Yearn-financeEthereum4.54MUSDC0%5.73%5.84%
DolomiteEthereum8.66MUSDC0%5.24%5.82%
Yearn-financeEthereum2.51MUSDC0%6.03%5.25%
Yo-protocolEthereum11.14MUSDC0%16.45%5.24%
Yo-protocolBase28.37MUSDC0%16.7%5.24%
DeltaprimeAvalanche1.16MUSDC0%5.6%5.09%
Benqi-lendingAvalanche1.13MUSDT0%4.81%4.97%
Extra-finance-leverage-farmingBase4.14MUSDC0%5.2%4.9%
AutofinanceEthereum8.74MUSDC0%2.89%4.78%
Woofi-earnArbitrum1.14MUSDC0%5.39%4.74%
AutofinanceBase8.55MUSDC2.04%5.87%4.6%
Navi-lendingSui7.86MUSDC0.53%4.73%4.54%
Flux-financeEthereum1.75MUSDT0%4.54%4.54%
AutofinanceEthereum10.05MUSDC0.51%5.61%4.53%
Yearn-financeEthereum4.03MUSDC0%4.48%4.43%
Moonwell-lendingBase2.39MUSDC1.3%3.71%4.41%
ExactlyOptimism1.70MUSDC0%4.22%4.28%
Benqi-lendingAvalanche4.93MUSDC0%3.85%4.26%
ExactlyOptimism1.70MUSDC0%4.12%4.16%
SparklendEthereum1.87MUSDC0%4.05%4.14%
Hyperlend-pooledHyperliquid L120.34MUSDC0%3.88%4.12%
ExactlyOptimism1.70MUSDC0%4.01%4.05%
ExactlyOptimism1.70MUSDC0%3.49%3.99%
ExactlyOptimism1.70MUSDC0%4.16%3.99%
Fluid-lendingArbitrum32.48MUSDC0.89%5.54%3.93%
Euler-v2Ethereum27.11MUSDC0%3.4%3.88%
Yearn-financeEthereum1.99MUSDC0%5.02%3.88%
Yearn-financeEthereum7.66MUSDT0%3.85%3.84%
Fluid-lendingBase9.78MUSDC2.04%5.77%3.8%
ExactlyOptimism1.70MUSDC0%3.41%3.79%
MapleEthereum1.94BUSDT0%4%3.79%
Euler-v2Avalanche2.54MUSDC0%6.57%3.78%
Project-0Solana1.46MUSDT0%3.12%3.78%
Flux-financeEthereum2.46MUSDC0%4.01%3.76%
Spark-savingsEthereum382.44MUSDC0%3.8%3.75%
Spark-savingsAvalanche71.19MUSDC0%3.8%3.75%
NeverlandMonad15.96MUSDC4.55%8.78%3.66%
ExactlyOptimism1.70MUSDC0%3.67%3.65%
ExactlyOptimism1.70MUSDC0%3.33%3.64%
WasabiBase3.67MUSDC0%4.08%3.62%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum450.4M5.92%
Avalanche581M4.37%
Base9130.9M5.75%
BSC339.5M8.51%
Ethereum192.5B5.59%
Hyperliquid000%
Mantle000%
Optimism813.6M3.94%
Polygon000%
Solana34.4M6.5%
TON000%
zkSync Era000%