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 3.73% on Jul 07 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
09/07/2026 18:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableEthereum1.04MUSDC0%14.28%14.25%
AccountableEthereum1.04MUSDC0%14.28%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Harvest-financeBase1.86MUSDC0%17.43%12.99%
Ember-protocolEthereum5.96MUSDC0%12.77%12.9%
AccountableMonad50.76MUSDC0.41%11.64%11.6%
Midas-rwaEthereum1.98MUSDC0%9.89%10.71%
Midas-rwaEthereum45.94MUSDC0%10.55%10.54%
Midas-rwaMonad2.94MUSDC0%10.55%10.54%
GoldfinchEthereum36.72MUSDC0%10.12%10.12%
AccountableMonad5.20MUSDC0.5%10.37%10%
Midas-rwaEthereum73.45MUSDC0%13.87%9.93%
Ember-protocolSui1.09MUSDC0%8.96%9.73%
AccountableMonad8.96MUSDC0.5%9.53%9.59%
Ember-protocolSui1.20MUSDC0%11.6%9.52%
Bracket-vaultsEthereum2.65MUSDC0%9.88%9.49%
Ember-protocolEthereum3.28MUSDC0%9.17%9.19%
Harmonix-financeHyperliquid L121.22MUSDC0%9.58%8.91%
Midas-rwaEthereum6.64MUSDC0%8.09%8.9%
Midas-rwaEthereum2.49MUSDC0%8.09%8.9%
Centrifuge-protocolMonad4.52MUSDC0%3.07%8.78%
YieldseekerBase1.87MUSDC0%7.89%8.74%
Midas-rwaEthereum7.73MUSDC0%8.86%8.71%
Centrifuge-protocolPlume Mainnet32.97MUSDC0%3.23%8.66%
Ember-protocolSui2.83MUSDC0%9.3%8.48%
AvantisBase29.64MUSDC0%9.83%8.2%
Bitway-earnBSC23.14MUSDT0%9.42%8%
Ember-protocolSui7MUSDC4%12%8%
SymbiosisTron1.53MUSDT0%6.3%7.99%
Blend-pools-v2Stellar11.77MUSDC0%6.82%7.55%
Spectra-metavaultsBase3.01MUSDC0%3.43%7.53%
Gami-labsBase3.01MUSDC0%3.33%7.53%
Midas-rwaEtherlink3.77MUSDC0%6.05%7.18%
Gami-labsStellar15.16MUSDC0%7%7%
Zerobase-cedefiEthereum14.12MUSDT2%9%7%
Zerobase-cedefiArbitrum7.63MUSDT2%9%7%
Fusion-by-iporEthereum1.92MUSDC0%6.18%6.82%
Ember-protocolSui1.12MUSDC5.05%11.96%6.81%
Extra-finance-leverage-farmingBase3.40MUSDC0%6.64%6.8%
AccountableMonad2.94MUSDC0.5%7.43%6.79%
Zerobase-cedefiBSC21.42MUSDT2%8.76%6.76%
Zerobase-cedefiBSC1.93MUSDC2%8.76%6.76%
Yearn-financeEthereum5.63MUSDC0%5.27%6.63%
AccountableEthereum2.13MUSDC0%8.46%6.54%
Kamino-lendSolana4.70MUSDC0%6.83%6.41%
AutofinanceEthereum8.15MUSDC0.4%6.36%6.35%
Ember-protocolSui1.36MUSDC0%8.17%6.33%
Harvest-financeEthereum1.13MUSDC0%7.84%6.24%
SparklendEthereum16.98MUSDT0%2.79%6.05%
Fluid-lendingEthereum9.35MUSDC0%5.59%6.01%
Hyperlend-pooledHyperliquid L19.49MUSDC0%6.16%6%
Kamino-lendSolana1.94MUSDC0%4.81%5.99%
Fluid-lendingEthereum133.05MUSDC0%6.37%5.93%
Euler-v2Ethereum6.45MUSDC0%3%5.82%
Storm-tradeTON3.61MUSDT0%5.97%5.8%
SymbiosisEthereum1.14MUSDC0%7.11%5.63%
Yearn-financeEthereum8.80MUSDC0%5.54%5.57%
Fluid-lendingArbitrum38.67MUSDC0%5.92%5.49%
AccountableEthereum4MUSDC10.09%13.66%5.32%
AutofinanceBase5.99MUSDC2.04%7.39%5.29%
Navi-lendingSui5.97MUSDC0.43%6.01%5.23%
Fluid-lendingEthereum124.91MUSDT0%5.62%5.12%
Yearn-financeBase1.75MUSDC0%4.79%5.03%
AmpleBase4.29MUSDC0%4.65%4.97%
Euler-v2Monad2.16MUSDC3.14%5.2%4.95%
Yearn-financeEthereum1.18MUSDC0%4.17%4.88%
Aave-v3Ethereum158.10MUSDT0%2.41%4.69%
Aave-v3Ethereum78.68MUSDT4.31%6.61%4.69%
DolomiteArbitrum1.35MUSDC0%4.08%4.61%
Flux-financeEthereum1.90MUSDT0%4.48%4.45%
Lista-lendingBSC4.99MUSDT0%4.55%4.37%
Centrifuge-protocolAvalanche260.08MUSDC0%4.15%4.3%
Centrifuge-protocolBase50.15MUSDC0%4.15%4.3%
Centrifuge-protocolEthereum5.87MUSDC0%4.14%4.29%
Centrifuge-protocolBase2.22MUSDC0%4.14%4.29%
Aave-v3Avalanche2.30MUSDT0%3.52%4.29%
ExactlyOP Mainnet1.75MUSDC0%4.16%4.28%
Centrifuge-protocolPharos15.10MUSDC0%3.61%4.26%
Kamino-lendSolana12.66MUSDC0%4.37%4.24%
ExactlyOP Mainnet1.75MUSDC0%4.15%4.2%
Kamino-lendSolana1.72MUSDC0%4.23%4.19%
ExactlyOP Mainnet1.75MUSDC0%4.08%4.18%
ExactlyOP Mainnet1.75MUSDC0%4.06%4.11%
MapleEthereum1.01BUSDT0%4.13%4.08%
ExactlyOP Mainnet1.75MUSDC0%3.96%4.07%
Yo-protocolBase10.45MUSDC0%4.25%4.05%
Yo-protocolEthereum2.38MUSDC0%4.25%4.05%
Midas-rwaEthereum7.15MUSDC0%2.97%4.03%
Midas-rwaEtherlink1.11MUSDC0%2.97%4.03%
ExactlyOP Mainnet1.75MUSDC0%3.96%4%
Lazy-summer-protocolEthereum4.04MUSDC0.89%3.8%3.99%
Folks-finance-xchainPolygon1.26MUSDT0%4%3.96%
TermmaxBase1.20MUSDC0%4.1%3.95%
ExactlyOP Mainnet1.75MUSDC0%3.77%3.91%
ExactlyOP Mainnet1.75MUSDC0%4.06%3.89%
ExactlyOP Mainnet1.75MUSDC0%3.71%3.87%
Lista-lendingBSC6.12MUSDT0%4.98%3.87%
Moonwell-lendingBase2.74MUSDC0.35%5.54%3.84%
Fluid-lendingBase9.35MUSDC0%5.48%3.81%
Benqi-lendingAvalanche4.53MUSDC0%3.73%3.79%
Native-credit-poolBSC5.05MUSDT0%3.66%3.77%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum347.6M5.7%
Avalanche3266.9M4.12%
Base15130.9M6.09%
BSC662.6M5.59%
Ethereum351.8B7.2%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.3M3.96%
Solana421M5.21%
TON13.6M5.8%
zkSync Era000%