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 3.75% on Aug 03 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
05/08/2026 20:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AzuroPolygon1.42MUSDT0%15.86%52.62%
AccountableMonad7.61MUSDC0.96%31.68%23.16%
AccountableMonad100.11MUSDC0.27%16.28%16%
AccountableEthereum3.88MUSDC10.29%20.83%14.62%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum7.23MUSDC0%12.84%12.9%
AccountableEthereum2.22MUSDC0%10.94%11.54%
AvantisBase20.97MUSDC0%9.3%11.51%
Harvest-financeBase1.87MUSDC0%12.4%11.43%
Ember-protocolSui1.21MUSDC0%10.56%11.06%
Nawa-protocolZIGChain3.81MUSDC0%8.99%10.94%
Pareto-creditEthereum15.28MUSDC0%10.59%10.58%
Ember-protocolSui1.31MUSDC0%8.37%10.48%
Midas-rwaEthereum71.67MUSDC0%10.28%10.33%
GoldfinchEthereum35.94MUSDC0%10.12%10.21%
Ember-protocolSui5.96MUSDC0%9.05%10.01%
AccountableMonad1.03MUSDC0%10.34%10%
Ember-protocolEthereum3.32MUSDC0%9.36%9.68%
YieldseekerBase1.24MUSDC0%8.79%9.65%
Euler-v2Monad1.58MUSDC2.64%8.92%9.51%
Pareto-creditEthereum2.14MUSDC0%9.38%9.38%
Bracket-vaultsEthereum2.59MUSDC0%9.36%9.3%
Ember-protocolEthereum5.91MUSDC0%6.5%9.17%
Midas-rwaEthereum8.03MUSDC0%9.35%9.09%
Midas-rwaEthereum1.73MUSDC0%9.69%9.06%
Midas-rwaEthereum37.41MUSDC0%10.15%9.01%
Midas-rwaEthereum6.39MUSDC0%5.93%8.74%
Midas-rwaEtherlink1.12MUSDC0%5.95%8.74%
Pareto-creditEthereum167.54MUSDC0%8.29%8.02%
Bitway-earnBSC24.42MUSDT0%8%8%
Ember-protocolSui8.16MUSDC4%12%8%
Lista-lendingBSC1.88MUSDT0.14%6.61%7.97%
AccountableMonad10.08MUSDC0.5%9.52%7.67%
AccountableMonad1.73MUSDC0.48%7.6%7.52%
Pareto-creditEthereum21.86MUSDC0%7.13%7.13%
Extra-finance-leverage-farmingBase3.29MUSDC0%6.66%7.07%
Yearn-financeEthereum6.94MUSDC0%7.02%7.05%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Zerobase-cedefiArbitrum7.63MUSDT2%9%7%
Midas-rwaEtherlink4.79MUSDC0%8.13%6.91%
LoopscaleSolana1.44MUSDC0.24%7.17%6.9%
Blend-pools-v2Stellar13.99MUSDC0%7.54%6.8%
Zerobase-cedefiBSC20.25MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.03MUSDC2%8.76%6.76%
Harmonix-financeHyperliquid L119.61MUSDC0%7.83%6.5%
Yearn-financeEthereum1.19MUSDC0%5.68%6.45%
Ember-protocolSui1.07MUSDC0%9.88%6.36%
Kamino-lendSolana4.58MUSDC0%6.75%6.31%
Harvest-financeEthereum1.15MUSDC0%6.39%6.23%
Ember-protocolEthereum17.06MUSDC0%6.76%6.2%
Midas-rwaEthereum6.67MUSDC0%7.8%6.14%
Midas-rwaEthereum2.50MUSDC0%7.79%6.14%
Fluid-lendingArbitrum36.79MUSDC0%5.3%5.81%
Ember-protocolSui1.16MUSDC4.35%11.78%5.73%
Storm-tradeTON3.47MUSDT0%5.75%5.67%
Hyperlend-pooledHyperliquid L114.02MUSDC0%7.42%5.67%
Yearn-financeEthereum8.98MUSDC0%5.97%5.54%
Fluid-lendingBase9.17MUSDC0%5.33%5.49%
AutofinanceEthereum8.54MUSDC0.41%6.56%5.48%
Centrifuge-protocolAvalanche260.80MUSDC0%3.86%5.4%
Centrifuge-protocolBase50.29MUSDC0%3.85%5.4%
Centrifuge-protocolEthereum5.73MUSDC0%3.86%5.39%
AutofinanceBase4.98MUSDC2.5%7.86%5.37%
Euler-v2Ethereum6.50MUSDC0%4.3%5.34%
Fusion-by-iporEthereum1.77MUSDC0%5.86%5.3%
Centrifuge-protocolPlume Mainnet32.96MUSDC0%2.96%5.29%
Centrifuge-protocolMonad10.03MUSDC0%5.66%5.29%
SymbiosisTron1.78MUSDT0%5.57%5.17%
Navi-lendingSui6.25MUSDC0.42%5.57%5.15%
Fluid-lendingEthereum150.20MUSDC0%5.29%5.05%
Fluid-lendingEthereum9.03MUSDC0%5.29%5.05%
Centrifuge-protocolMonad4.53MUSDC0%4.08%5.01%
Centrifuge-protocolPharos4.38MUSDC0%3.4%5.01%
Yearn-financeBase1.78MUSDC0%4.96%4.91%
SparklendEthereum15.54MUSDT0%3.89%4.8%
AmpleBase4.37MUSDC0%4.15%4.68%
Kamino-lendSolana4.49MUSDC0%4.6%4.67%
LoopscaleSolana2.03MUSDC0%5.47%4.59%
Alchemix-v3Ethereum7.42MUSDC0%4.52%4.55%
Ember-protocolSui5.67MUSDC0%6.06%4.53%
Gains-networkArbitrum6.23MUSDC0%5.15%4.42%
Flux-financeEthereum2.05MUSDT0%4.43%4.41%
ExactlyOP Mainnet1.57MUSDC0%4.32%4.35%
Fluid-lendingEthereum133.27MUSDT0%4.65%4.35%
Benqi-lendingAvalanche3.57MUSDC0%3.92%4.33%
Kamino-lendSolana1.43MUSDC0%4.26%4.32%
Kamino-lendSolana10.04MUSDC0%4.06%4.31%
ExactlyOP Mainnet1.57MUSDC0%4.24%4.28%
ExactlyOP Mainnet1.57MUSDC0%4.16%4.23%
ExactlyOP Mainnet1.57MUSDC0%4.15%4.19%
ExactlyOP Mainnet1.57MUSDC0%4.04%4.15%
MapleEthereum0.97BUSDT0%4.2%4.14%
Yo-protocolBase9.83MUSDC0%4.18%4.12%
Yo-protocolEthereum2.28MUSDC0%4.18%4.12%
DolomiteArbitrum1.52MUSDC0%4.66%4.12%
ExactlyOP Mainnet1.57MUSDC0%4.05%4.11%
ExactlyOP Mainnet1.57MUSDC0%3.63%3.98%
Aave-v3Polygon1.03MDAI0%4.05%3.93%
Aave-v3Polygon1.03MDAI0%4.05%3.93%
ExactlyOP Mainnet1.57MUSDC0%4.16%3.84%
ExactlyOP Mainnet1.57MUSDC0%3.94%3.84%
Midas-rwaEthereum4.55MUSDC0%5.85%3.78%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum452.2M5.34%
Avalanche2264.4M4.86%
Base10107.8M6.96%
BSC448.6M7.37%
Ethereum371.8B7.33%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon33.5M20.16%
Solana624M5.18%
TON13.5M5.67%
zkSync Era000%