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
03/10/2026 02:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Neutral-tradeSolana2.26MUSDC0%38.52%79.44%
Neutral-tradeSolana1.40MUSDC0%67.16%52.94%
Gains-networkArbitrum4.82MUSDC0%37.16%36.41%
Harvest-financeBase1.84MUSDC0%47.73%32.57%
EnsuroEthereum1.31MUSDC0%20.82%31.46%
VerantaBase9.55MUSDC0%18.17%18.55%
AccountableEthereum2.06MUSDC13.35%38.11%16.89%
AccountableMonad7.50MUSDC1.4%16.38%16.18%
AccountableEthereum1.05MUSDC0.75%14.83%14.25%
Ember-protocolEthereum1.64MUSDC0%17.86%12.93%
Ember-protocolEthereum2.62MUSDC0%12.97%12.9%
Aave-v3Ethereum57.59MUSDC1.69%5.68%12.51%
Aave-v3Ethereum6.33MUSDC0%4.1%12.51%
AccountableEthereum11.06MUSDC0%12.46%12.13%
Neutral-tradeSolana4.24MUSDC0%11.97%11.75%
AccountableMonad5.44MUSDC0.5%12.1%11.64%
AccountableMonad75MUSDC0.43%11.7%11.4%
Pareto-creditEthereum11.10MUSDC0%10.59%10.59%
Kamino-lendSolana1.34MUSDC0%6.43%10.39%
Neutral-tradeSolana2.46MUSDC0%14.18%10.15%
Ember-protocolSui9.11MUSDC0%10.13%10%
AguaEthereum7.48MUSDC0%10%10%
AccountableEthereum3.37MUSDC0%11.79%9.54%
Nawa-protocolZIGChain3.45MUSDC0%8.98%9.51%
Ember-protocolEthereum3.71MUSDC0%9.6%9.42%
Pareto-creditEthereum1.98MUSDC0%9.38%9.38%
Midas-rwaEthereum31.27MUSDC0%6.68%8.89%
Ember-protocolSui8.63MUSDC0%6.57%8.6%
Neutral-tradeSolana1.39MUSDC0%9.43%8.41%
Midas-rwaEthereum3.30MUSDC0%7.05%8.27%
Midas-rwaEthereum2.53MUSDC0%7.05%8.27%
Ember-protocolEthereum5.51MUSDC0%10.94%8.2%
Coinmerce-capitalHyperliquid L11.74MUSDC0%8.19%8.19%
Pareto-creditEthereum123.89MUSDC0%7.83%8.06%
Bitway-earnBSC19.79MUSDT0%8%8%
Ember-protocolSui8.87MUSDC4%12%8%
Ember-protocolEthereum17.75MUSDC0%11.69%8%
Midas-rwaEthereum1.70MUSDC0%8.42%7.92%
Sentora-curatorEthereum94.39MUSDC0%7.42%7.7%
Midas-rwaEthereum65.72MUSDC0%7.55%7.57%
Bitway-earnBSC5.68MUSDT0%7.5%7.5%
AccountableMonad2.32MUSDC0.5%7.33%7.28%
Fusion-by-iporEthereum1.28MUSDC0%6.26%7.02%
Zerobase-cedefiEthereum14.07MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.62MUSDT2%9%7%
Extra-finance-leverage-farmingBase3.36MUSDC0%6.29%6.96%
Yearn-financeEthereum11.89MUSDC0%6.64%6.96%
Yearn-financeEthereum7.59MUSDC0%6.85%6.77%
Zerobase-cedefiBSC17.96MUSDT2%8.76%6.76%
Zerobase-cedefiBSC1.95MUSDC2%8.76%6.76%
Kamino-lendSolana1.66MUSDC0%4.65%6.74%
Blend-pools-v2Stellar11.74MUSDC0%7.63%6.66%
Aave-v3Avalanche4.58MUSDC0%4.95%6.66%
Midas-rwaEthereum6.83MUSDC0%6.84%6.64%
Pareto-creditEthereum22.06MUSDC0%6.69%6.62%
Euler-v2Monad5.81MUSDC1.25%7.85%6.57%
Centrifuge-protocolEthereum2.53MUSDT0%3.86%6.55%
Midas-rwaEthereum26.25MUSDC0%7.98%6.48%
Harvest-financeEthereum1.18MUSDC0%7.49%6.48%
Rhea-lendNear2.06MUSDT0%8.41%6.39%
Harvest-financeBase1.06MUSDC0%7.32%6.37%
Loopscale-lendingSolana3.20MUSDC0%7%6.34%
Rhea-lendNear1.94MUSDC0%7.37%6.33%
Harmonix-financeHyperliquid L119MUSDC0%6.76%6.32%
Midas-rwaBase51.54MUSDC0%2.63%6.2%
Midas-rwaRobinhood Chain36.04MUSDC0%2.69%6.2%
Midas-rwaEthereum34.06MUSDC0%6.67%6.1%
Fluid-lendingArbitrum55.90MUSDC0%4.21%5.49%
MapleEthereum659.90MUSDT0%4.8%5.44%
AutofinanceEthereum7.64MUSDC1.08%6.17%5.33%
AccountableMonad7.21MUSDC0.5%5.85%5.23%
Benqi-lendingAvalanche2.24MUSDC0%5.94%5.12%
Alchemix-v3Ethereum7.73MUSDC0%5.45%5.05%
Native-credit-poolEthereum1.14MUSDC0%4.93%4.93%
AutofinanceBase3.70MUSDC5.17%10.49%4.89%
Lista-lendingBSC1.55MUSDT0%6.37%4.88%
Navi-lendingSui9.58MUSDC0.6%5.16%4.86%
Fluid-lendingEthereum129MUSDC0%4.5%4.79%
Yearn-financeBase1.53MUSDC0%4.93%4.78%
Storm-tradeTON2.71MUSDT0%5.11%4.78%
Yo-protocolBase8.12MUSDC0%4.25%4.66%
Yo-protocolEthereum1.35MUSDC0%4.25%4.66%
Fluid-lendingEthereum131.16MUSDT0%4.56%4.63%
Centrifuge-protocolBase7.15MUSDC0%3.79%4.46%
Centrifuge-protocolPharos4.56MUSDC0%3.19%4.46%
Centrifuge-protocolBSC1.01MUSDC0%3.19%4.46%
Centrifuge-protocolBSC1.01MUSDC0%3.19%4.46%
Fusion-by-iporBase2.57MUSDC0%6.21%4.45%
Flux-financeEthereum1.96MUSDT0%4.45%4.44%
Midas-rwaEthereum6.44MUSDC0%3.76%4.4%
Midas-rwaEtherlink1.13MUSDC0%3.73%4.4%
SymbiosisEthereum1.29MUSDC0%4.71%4.39%
ExactlyOP Mainnet1.59MUSDC0%4.39%4.38%
Kamino-lendSolana11.44MUSDC0%4.57%4.38%
ExactlyOP Mainnet1.59MUSDC0%4.33%4.34%
Ember-protocolEthereum2.04MUSDC0%4.43%4.32%
ExactlyOP Mainnet1.59MUSDC0%4.33%4.32%
Compound-v3Ethereum37.10MUSDC0%4.66%4.31%
ExactlyOP Mainnet1.59MUSDC0%4.27%4.3%
CurvanceMonad3.11MUSDC1.8%5.89%4.29%
TydroInk16.28MUSDC0%4.05%4.28%
ExactlyOP Mainnet1.59MUSDC0%4.19%4.23%
ExactlyOP Mainnet1.59MUSDC0%4.13%4.2%
Yearn-financeEthereum2.39MUSDC0%4%4.17%
ExactlyOP Mainnet1.59MUSDC0%4.18%4.15%
Flux-financeEthereum1.57MUSDC0%4%4.15%
Aave-v3Monad13.58MUSDC1.68%6.06%4.14%
Aave-v4Ethereum2.62MUSDC0%4.84%4.09%
ExactlyOP Mainnet1.59MUSDC0%3.95%4.07%
Kamino-lendSolana1.49MUSDT0%3.35%4.04%
ExactlyOP Mainnet1.59MUSDC0%0.4%4.02%
Aave-v3Avalanche2.55MUSDT0%4.19%3.97%
ExactlyOP Mainnet1.59MUSDC0%2.25%3.83%
Yearn-financeEthereum19.53MUSDC0%3.7%3.75%
Aave-v3Base19.96MUSDC0%3.79%3.72%
Fusion-by-iporBase1.06MUSDC2.05%6.74%3.7%
Hyperlend-pooledHyperliquid L18.13MUSDC0%4.81%3.7%
Aave-v3Ethereum183.31MUSDT0%3.62%3.69%
Aave-v3Ethereum63.76MUSDT1.6%5.12%3.69%
Aave-v4Ethereum2.19MUSDT0%4.08%3.63%
Spark-savingsEthereum307.94MUSDC0%3.6%3.6%
Spark-savingsAvalanche8.63MUSDC0%3.6%3.6%
Spark-savingsEthereum447.41MUSDT0%3.44%3.5%
Aave-v3Ethereum10.41MDAI0%3.12%3.45%
Midas-rwaEtherlink4.94MUSDC0%5.16%3.45%
Venus-core-poolBSC10.43MUSDC0%3.39%3.42%
Midas-rwaEthereum72.74MUSDC0%3.45%3.4%
Midas-rwaEtherlink1.22MUSDC0%3.45%3.4%
SparklendEthereum15.95MUSDT0%3.4%3.39%
SparklendEthereum4.10MUSDC0%3.42%3.39%
Yearn-financeEthereum1.12MUSDC0%3.42%3.37%
Benqi-lendingAvalanche1.04MUSDT0%3.55%3.34%
Aave-v3BSC1.68MUSDC0%3.32%3.32%
Venus-core-poolBSC46.42MUSDT0%2.94%3.31%
Native-credit-poolEthereum1.87MUSDT0%3.31%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
DolomiteEthereum29.92MUSDC3.97%7.32%3.29%
Compound-v3Ethereum17.62MUSDT0%3.04%3.21%
Yearn-financeEthereum5.74MUSDT0%3.31%3.15%
Aave-v3Arbitrum20.25MUSDC0%2.97%3.14%
SaveSolana5.31MUSDC0%3.11%3.04%
Compound-v3Arbitrum2.32MUSDC0%2.93%3.03%
Aave-v3OP Mainnet1.50MUSDC0%2.73%2.96%
Aave-v3Xlayer1.36MUSDC0%3.01%2.95%
Lista-lendingBSC2.70MUSDT0%3.32%2.92%
Aave-v3Ethereum1.49MUSDC0%3.22%2.9%
Kamino-lendSolana1.23MUSDC0%6.24%2.89%
Aave-v3BSC13.06MUSDT0%2.84%2.84%
Yearn-financeEthereum7.30MDAI0%3.07%2.83%
Aave-v3Polygon11.70MUSDC0%3.02%2.82%
Fluid-lendingBase15.30MUSDC5.17%5.88%2.76%
SparklendEthereum76.38MDAI0%2.55%2.71%
Loopscale-lendingSolana2.36MUSDC2.91%10.03%2.63%
Venus-fluxBSC1.59MUSDT0%2.8%2.54%
Lista-lendingBSC1.38MUSDT0%3.13%2.53%
Compound-v3Arbitrum4.72MUSDT0%2.56%2.45%
Kamino-lendSolana2.04MUSDC0%1.75%2.41%
Gami-labsBase3.03MUSDC0%2.92%2.33%
Spectra-metavaultsBase3.03MUSDC0%2.97%2.33%
Echelon-marketAptos1.78MUSDC2.77%4.46%2.3%
CurrentSui20.58MUSDC6.04%8.68%1.95%
SaveSolana2.28MUSDT0%1.83%1.93%
Justlend-v1Tron105.31MUSDT0%2.17%1.71%
Lista-lendingEthereum4.49MUSDC6.04%7.06%1.34%
ExactlyOP Mainnet1.59MUSDC0%0.99%1.14%
Lista-lendingEthereum3.92MUSDT4.58%6.11%0.99%
AcrossEthereum1.12MUSDT3.08%2.64%0.9%
Aave-v4Avalanche6.76MUSDC4.12%5.1%0.48%
TectonicCronos1.35MUSDC0.02%0.55%0.46%
Lista-lendingBSC1.03MUSDC7.94%4.34%0.37%
Aave-v4Avalanche7.68MUSDT6.02%6.65%0.16%
AcrossEthereum1.10MUSDC4.55%4.55%0.09%
CredixSolana13.41MUSDC0%0.07%0.07%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum695.6M9.59%
Avalanche733.5M3.33%
Base16143.3M7.23%
BSC15127.3M4.27%
Ethereum692.9B6.47%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon111.7M2.82%
Solana1657.5M12.97%
TON12.7M4.78%
zkSync Era000%