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 3.62% on Mar 30 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
01/04/2026 09:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bracket-vaultsEthereum2.72MUSDC0%12.69%12.11%
BitwayBSC14.84MUSDT0%12%12%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
Blend-pools-v2Stellar9.10MUSDC0%9.33%9.52%
Spectra-metavaultsBase5.04MUSDC1.79%9.04%8.52%
AbyssSui1.90MUSDC0%8.64%7.97%
Yearn-financeEthereum1.33MUSDC0%5.02%7.94%
AvantisBase69.20MUSDC0%9.69%7.81%
WasabiBase3.85MUSDC0%4.13%7.34%
Zerobase-cedefiArbitrum7.94MUSDT2%9%7%
Zerobase-cedefiEthereum14.06MUSDT2%9%7%
LoopscaleSolana1.81MUSDC1.22%7.85%6.96%
AccountableMonad2.02MUSDC2.19%9.48%6.79%
Zerobase-cedefiBSC23.37MUSDT2%9.69%6.76%
Zerobase-cedefiBSC1.33MUSDC2%8.98%6.76%
Yearn-financeEthereum7.84MUSDC0%5.56%5.97%
Harvest-financeBase2.01MUSDC0%5.29%5.72%
Gains-networkArbitrum8.91MUSDC0%7.2%5.72%
Scallop-lendSui1.33MUSDC0%4.31%5.42%
LoopscaleSolana1.23MUSDC0%4.48%5.37%
Yearn-financeEthereum5.25MUSDC0%6.04%5.37%
AcrossEthereum1.09MDAI0.54%3.41%5.19%
AcrossEthereum1.09MDAI0.54%3.41%5.19%
DeltaprimeAvalanche1.16MUSDC0%5.61%5.09%
Extra-finance-leverage-farmingBase4.15MUSDC0%5.23%4.96%
Woofi-earnArbitrum1.14MUSDC0%5.5%4.74%
AutofinanceEthereum8.74MUSDC0%2.64%4.74%
Yo-protocolEthereum12.13MUSDC0%17.17%4.73%
Yo-protocolBase28.38MUSDC0%17.13%4.73%
AutofinanceEthereum9.10MUSDC0.52%5.66%4.67%
Fusion-by-iporEthereum3.64MUSDT0%6.13%4.6%
DolomiteEthereum9.27MUSDC0%5.2%4.55%
Flux-financeEthereum1.75MUSDT0%4.54%4.54%
TermmaxEthereum2.74MUSDC0%0.63%4.53%
TermmaxEthereum2.01MUSDC0%0.67%4.53%
Fluid-lendingArbitrum32.48MUSDC1%5.5%4.49%
AutofinanceBase8.57MUSDC2.07%5.86%4.49%
TermmaxEthereum10.94MUSDC0%0.61%4.37%
ExactlyOptimism1.70MUSDC0%4.21%4.27%
Lazy-summer-protocolEthereum4.53MUSDC0.54%3.91%4.17%
ExactlyOptimism1.70MUSDC0%4.12%4.16%
Yearn-financeEthereum7.68MUSDT0%3.83%4.13%
SparklendEthereum1.92MUSDC0%3.99%4.12%
Benqi-lendingAvalanche5.39MUSDC0%3.8%4.1%
Navi-lendingSui10.25MUSDC0.52%4.71%4.1%
Euler-v2Avalanche3MUSDC0%6.29%4.08%
ExactlyOptimism1.70MUSDC0%4.01%4.05%
ExactlyOptimism1.70MUSDC0%4.17%4.01%
ExactlyOptimism1.70MUSDC0%3.3%3.99%
Hyperlend-pooledHyperliquid L121.52MUSDC0%3.92%3.88%
MapleEthereum2.10BUSDT0%4.03%3.79%
ExactlyOptimism1.70MUSDC0%3.23%3.78%
Euler-v2Ethereum37.43MUSDC0%3.97%3.78%
Fluid-lendingBase9.53MUSDC2.34%5.67%3.77%
Flux-financeEthereum2.46MUSDC0%4.03%3.76%
Spark-savingsAvalanche73.13MUSDC0%3.81%3.75%
Spark-savingsEthereum454.32MUSDC0%3.81%3.75%
NeverlandMonad16.15MUSDC4.79%9%3.68%
ExactlyOptimism1.70MUSDC0%3.68%3.63%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum450.5M5.49%
Avalanche482.7M4.26%
Base8130.7M5.92%
BSC339.5M8.51%
Ethereum242.7B5.31%
Hyperliquid000%
Mantle000%
Optimism711.9M3.98%
Polygon000%
Solana23M6.16%
TON000%
zkSync Era000%