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
07/10/2026 23:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableMonad1.14MUSDC0%10.63%64.8%
Neutral-tradeSolana2.26MUSDC0%46.5%55.38%
Neutral-tradeSolana1.41MUSDC0%69.07%51.04%
Harvest-financeBase1.85MUSDC0%49.82%32.92%
EnsuroEthereum1.30MUSDC0%21.31%22.72%
VerantaBase9.61MUSDC0%19.44%17.52%
Neutral-tradeSolana4.26MUSDC0%12.95%15.06%
AccountableEthereum1.05MUSDC0.75%14.79%14.25%
Rhea-lendNear1.45MUSDT0%8.42%14.23%
AccountableMonad7.50MUSDC1.05%16.53%13.86%
Ember-protocolSui8.59MUSDC0%8.68%13.04%
Ember-protocolEthereum1.64MUSDC0%11.27%12.93%
Ember-protocolEthereum2.63MUSDC0%12.95%12.9%
AccountableEthereum11.06MUSDC0%12.39%12.13%
AccountableMonad5.44MUSDC0.42%12.11%11.64%
AccountableEthereum3.40MUSDC0%10.93%10.89%
Nawa-protocolZIGChain3.45MUSDC0%9.81%10.73%
Pareto-creditEthereum11.10MUSDC0%10.59%10.59%
AccountableMonad74.98MUSDC0.28%11.7%10.5%
AccountableEthereum1.25MUSDC0%15.13%10.22%
Ember-protocolSui9.99MUSDC0%10.12%10.16%
Centrifuge-protocolEthereum2.68MUSDT0%4.61%10.07%
AguaEthereum8.49MUSDC0%10%10%
Ember-protocolEthereum3.70MUSDC0%9.57%9.51%
Pareto-creditEthereum1.98MUSDC0%9.38%9.38%
Rhea-lendNear1.75MUSDC0%7.54%9.31%
Ember-protocolEthereum5.55MUSDC0%10.86%8.69%
Midas-rwaEthereum3.91MUSDC0%7.19%8.55%
Midas-rwaEthereum2.53MUSDC0%7.19%8.55%
AccountableEthereum2.91MUSDC9.68%37.74%8.4%
Midas-rwaEthereum31.30MUSDC0%7.1%8.38%
Neutral-tradeSolana1.39MUSDC0%9.05%8.32%
Neutral-tradeSolana2.46MUSDC0%13.2%8.25%
Pareto-creditEthereum127.11MUSDC0%7.87%8.06%
Bitway-earnBSC22.67MUSDT0%8%8%
Ember-protocolSui8.88MUSDC4%12%8%
Sentora-curatorEthereum95.67MUSDC0%7.45%7.62%
Bitway-earnBSC2.27MUSDT0%7.5%7.5%
Midas-rwaEthereum65.77MUSDC0%7.55%7.34%
Lista-lendingBSC2.71MUSDT0%3.54%7.31%
AccountableMonad2.16MUSDC0.5%7.39%7.28%
Extra-finance-leverage-farmingBase3.25MUSDC0%6.35%7.21%
Yearn-financeEthereum11.90MUSDC0%6.68%7.14%
Midas-rwaEthereum6.67MUSDC0%6.75%7.11%
Ember-protocolEthereum17.77MUSDC0%11.35%7.07%
Fluid-lendingBase9.66MUSDC1.38%6.56%7.01%
Zerobase-cedefiEthereum14.07MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.62MUSDT2%9%7%
Kamino-lendSolana1.44MUSDC0%4.91%7%
Yearn-financeEthereum7.62MUSDC0%6.87%6.99%
Kamino-lendSolana4.98MUSDC0%6.51%6.84%
Zerobase-cedefiBSC16.78MUSDT2%8.76%6.76%
Zerobase-cedefiBSC1.93MUSDC2%8.76%6.76%
Blend-pools-v2Stellar11.43MUSDC0%7.51%6.68%
Harvest-financeBase1.07MUSDC0%7.22%6.67%
Pareto-creditEthereum22.09MUSDC0%6.62%6.62%
Harmonix-financeHyperliquid L116.54MUSDC0%6.6%6.58%
Loopscale-lendingSolana1.72MUSDC0.11%6.96%6.52%
Midas-rwaEthereum26.25MUSDC0%8.69%6.48%
Euler-v2Monad5.83MUSDC1.25%7.67%6.38%
Harvest-financeEthereum1.16MUSDC0%6.88%6.28%
Midas-rwaBase51.54MUSDC0%3.31%6.2%
Midas-rwaRobinhood Chain36.04MUSDC0%3.36%6.2%
Midas-rwaEthereum34.06MUSDC0%6.56%6.1%
Midas-rwaEthereum1.74MUSDC0%8.74%6.02%
Benqi-lendingAvalanche1.62MUSDC0%6.14%5.99%
Aave-v3Avalanche5.36MUSDC0%5.28%5.78%
Fluid-lendingEthereum129.36MUSDC0%4.51%5.61%
MapleEthereum613.85MUSDT0%4.94%5.59%
AutofinanceEthereum7.63MUSDC0.99%6.22%5.44%
Aave-v4Ethereum2.32MUSDC0%4.78%5.33%
Aave-v4Ethereum1.71MUSDT0%4.23%5.31%
AccountableMonad6.68MUSDC0.49%5.71%5.29%
Fusion-by-iporEthereum1.28MUSDC0%6.2%5.26%
Alchemix-v3Ethereum7.72MUSDC0%5.36%5.24%
SymbiosisEthereum1.14MUSDC0%4.59%5.24%
Lista-lendingBSC1.33MUSDT0%6.13%5.2%
Fluid-lendingArbitrum61.36MUSDC0%4.46%5.08%
Navi-lendingSui8.33MUSDC0.61%5.22%5.07%
Native-credit-poolEthereum1.14MUSDC0%4.93%4.93%
Yearn-financeBase1.61MUSDC0%4.9%4.88%
Storm-tradeTON2.71MUSDT0%5.01%4.73%
Kamino-lendSolana2.17MUSDC0%5.18%4.64%
Fluid-lendingEthereum130.47MUSDT0%4.56%4.57%
Fusion-by-iporBase2.92MUSDC0%5.6%4.57%
Aave-v3Monad13.59MUSDC1.24%6.07%4.55%
AutofinanceBase3.69MUSDC5.06%10.48%4.53%
Aave-v3Base16.71MUSDC0%3.79%4.47%
Flux-financeEthereum1.95MUSDT0%4.45%4.44%
Compound-v3Ethereum36.90MUSDC0%4.53%4.44%
Midas-rwaEthereum6.44MUSDC0%3.59%4.4%
Midas-rwaEtherlink1.13MUSDC0%3.56%4.4%
Venus-fluxBSC1.51MUSDT0%2.78%4.39%
ExactlyOP Mainnet1.59MUSDC0%4.38%4.38%
Centrifuge-protocolAvalanche262.72MUSDC0%3.72%4.36%
Centrifuge-protocolBase22.73MUSDC0%3.71%4.36%
Centrifuge-protocolBSC1.02MUSDC0%3.71%4.36%
Centrifuge-protocolEthereum9.30MUSDC0%3.68%4.36%
ExactlyOP Mainnet1.59MUSDC0%4.34%4.34%
Fusion-by-iporBase1.07MUSDC1.81%6.61%4.34%
Ember-protocolEthereum2.04MUSDC0%4.49%4.33%
ExactlyOP Mainnet1.59MUSDC0%4.33%4.31%
Kamino-lendSolana1.53MUSDC0%4.33%4.3%
ExactlyOP Mainnet1.59MUSDC0%4.28%4.3%
CurvanceMonad3.10MUSDC1.8%6.02%4.29%
Kamino-lendSolana13.09MUSDC0%4.69%4.27%
ExactlyOP Mainnet1.59MUSDC0%4.21%4.24%
Yearn-financeEthereum2.39MUSDC0%4.06%4.23%
ExactlyOP Mainnet1.59MUSDC0%4.16%4.2%
Aave-v3Avalanche2.38MUSDT0%4.22%4.2%
Aave-v3Ethereum135.63MUSDC0%4.2%4.2%
Aave-v3Ethereum57.83MUSDC1.68%5.77%4.2%
Centrifuge-protocolBase7.15MUSDC0%4%4.18%
Centrifuge-protocolPharos4.56MUSDC0%3.42%4.18%
Centrifuge-protocolBSC1.01MUSDC0%3.42%4.18%
Centrifuge-protocolBSC1.01MUSDC0%3.42%4.18%
Aave-v3Ethereum154.26MUSDT0%3.85%4.17%
Aave-v3Ethereum64.79MUSDT1.57%5.37%4.17%
TydroInk18.34MUSDC0%4.08%4.15%
Kamino-lendSolana1.30MUSDT0%3.68%4.15%
Flux-financeEthereum1.60MUSDC0%4.07%4.14%
ExactlyOP Mainnet1.59MUSDC0%4.17%4.13%
ExactlyOP Mainnet1.59MUSDC0%3.99%4.06%
Hyperlend-pooledHyperliquid L15.42MUSDC0%4.63%4.03%
ExactlyOP Mainnet1.59MUSDC0%1.67%4.02%
Yo-protocolBase7.93MUSDC0%4.27%3.98%
Yo-protocolEthereum1.35MUSDC0%4.27%3.98%
Echelon-marketAptos1.09MUSDC2.73%4.88%3.97%
Jupiter-lendSolana17.60MUSDT0%3.84%3.95%
Jupiter-lendSolana526.08MUSDC0.34%4.28%3.87%
ExactlyOP Mainnet1.59MUSDC0%2.88%3.84%
Spark-savingsEthereum318.90MUSDC0%3.6%3.8%
Midas-rwaEtherlink4.94MUSDC0%4.89%3.8%
Spark-savingsAvalanche3.54MUSDC0%3.6%3.8%
Spark-savingsEthereum605.42MUSDT0%3.5%3.75%
Midas-rwaEthereum74.82MUSDC0%3.4%3.72%
Midas-rwaEtherlink1.22MUSDC0%3.4%3.72%
Venus-core-poolBSC8.70MUSDC0%3.62%3.71%
Yearn-financeEthereum1.12MUSDC0%3.44%3.69%
Venus-core-poolBSC37.52MUSDT0%3.03%3.66%
Yearn-financeEthereum19.33MUSDC0%3.69%3.66%
Kamino-lendSolana1.13MUSDC0%5.33%3.63%
SparklendEthereum4.30MUSDC0%3.4%3.56%
Aave-v3Ethereum10.36MDAI0%3.17%3.45%
Coinmerce-capitalHyperliquid L11.74MUSDC0%5.06%3.42%
Gains-networkArbitrum4.82MUSDC0%37.27%3.4%
SparklendEthereum16.72MUSDT0%3.41%3.4%
Native-credit-poolEthereum1.87MUSDT0%3.31%3.31%
DolomiteEthereum29.64MUSDC3.91%7.32%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Compound-v3Ethereum17.25MUSDT0%3.07%3.22%
Yearn-financeEthereum5.74MUSDT0%3.28%3.16%
Benqi-lendingAvalanche1.15MUSDT0%3.48%3.11%
Aave-v3BSC11.24MUSDT0%2.87%3.02%
Aave-v3Arbitrum24.34MUSDC0%3.03%3.01%
Compound-v3Arbitrum2.69MUSDC0%2.96%2.96%
Yearn-financeEthereum7.30MDAI0%2.99%2.9%
Aave-v3Polygon11.34MUSDC0%3.02%2.89%
SaveSolana6.10MUSDC0%3.13%2.89%
SparklendEthereum75.08MDAI0%2.6%2.85%
Aave-v3Ethereum1.51MUSDC0%3.28%2.84%
Aave-v3BSC2.74MUSDC0%3.36%2.82%
Kamino-lendSolana1.72MUSDC0%2.07%2.81%
Lista-lendingBSC1.37MUSDT0%3.14%2.53%
Compound-v3Arbitrum4.67MUSDT0%2.54%2.46%
Justlend-v1Tron89.70MUSDT0%2.11%2.08%
SaveSolana2.24MUSDT0%1.87%1.98%
Gami-labsBase3.03MUSDC0%2.9%1.77%
Spectra-metavaultsBase3.03MUSDC0%2.94%1.77%
CurrentSui25.68MUSDC5.3%8.43%1.72%
Aave-v3Mantle1.37MUSDC0%3.72%1.51%
Lista-lendingEthereum3.92MUSDT3.96%5.84%1.35%
Lista-lendingEthereum4.69MUSDC5.34%6.9%1.25%
ExactlyOP Mainnet1.59MUSDC0%1.04%1.15%
AcrossEthereum1.12MUSDT2.97%2.97%0.55%
TectonicCronos1.42MUSDC0.02%0.6%0.42%
Aave-v4Avalanche7.26MUSDC4.24%5%0.36%
Aave-v4Avalanche5.46MUSDT5.89%6.58%0.29%
AcrossEthereum1.03MUSDC4.66%4.57%0.26%
CredixSolana13.41MUSDC0%0.07%0.03%
Kamino-lendSolana1.09MUSDC0%0%0%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum6105.5M3.99%
Avalanche8289.5M3.49%
Base17157.4M7.26%
BSC15113.8M4.96%
Ethereum713.1B6.13%
Hyperliquid000%
Mantle11.4M1.51%
Optimism000%
Polygon111.3M2.89%
Solana20607.4M9.75%
TON12.7M4.73%
zkSync Era000%