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
20/10/2026 04:00:05

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableMonad1.14MUSDC0%34.13%130.61%
AccountableEthereum3.40MUSDC0%12.89%27.68%
Harvest-financeBase1.76MUSDC0%26.22%27.38%
VerantaBase9.83MUSDC0%19.39%25.29%
EnsuroEthereum1.30MUSDC0%21.97%20.85%
AccountableEthereum1.23MUSDC0%14.9%14.25%
AccountableMonad6.36MUSDC0.84%15.36%13.46%
Ember-protocolEthereum1.64MUSDC0%12.93%12.93%
Ember-protocolEthereum2.63MUSDC0%13.01%12.9%
AccountableEthereum12.10MUSDC0%12.24%12.13%
Aave-v3Ethereum14.06MUSDC0%4.35%12.04%
AccountableMonad5.44MUSDC0.43%12.1%11.64%
Ember-protocolEthereum18.02MUSDC0%11.03%11.53%
Vectis-financeEthereum1.80MUSDC0%13.32%10.85%
Pareto-creditEthereum11.10MUSDC0%10.59%10.59%
Midas-rwaEthereum26.36MUSDC0%8.42%10.21%
Ember-protocolSui10.32MUSDC0%10.12%10%
AguaEthereum11.52MUSDC0%10%10%
AguaMonad9.08MUSDC0%10%10%
Rhea-lendNear1.94MUSDC0%9.02%9.51%
AccountableMonad74.97MUSDC0.23%11.06%9.5%
Ember-protocolEthereum3.67MUSDC0%9.54%9.43%
Benqi-lendingAvalanche1.34MUSDC0%7.63%9.41%
Pareto-creditEthereum2.02MUSDC0%9.38%9.38%
Nawa-protocolZIGChain3.46MUSDC0%10.4%9.33%
Gains-networkArbitrum4.22MUSDC0%27.03%9.19%
Centrifuge-protocolEthereum2.69MUSDT0%6.88%8.79%
Jupiter-lendSolana470.52MUSDC0%6.15%8.59%
Neutral-tradeSolana1.27MUSDC0%8.15%8.58%
Midas-rwaEthereum7.93MUSDC0%7.22%8.5%
Pareto-creditEthereum130.70MUSDC0%7.97%8.06%
Bitway-earnBSC21.75MUSDT0%8%8%
Ember-protocolSui8.52MUSDC4%12%8%
Vectis-financeSolana2.71MUSDC0%7.12%7.95%
Kamino-lendSolana55.20MUSDC0%8.17%7.91%
Neutral-tradeSolana2.05MUSDC0%10.35%7.78%
Neutral-tradeSolana1.38MUSDC0%48.39%7.71%
Coinmerce-capitalHyperliquid L11.74MUSDC0%6.71%7.64%
Kamino-lendSolana7.27MUSDC0%7.63%7.61%
Bitway-earnBSC1.59MUSDT0%7.5%7.5%
Sentora-curatorEthereum97.12MUSDC0%7.65%7.49%
Midas-rwaEthereum65.96MUSDC0%7.49%7.46%
Rhea-lendNear2.22MUSDT0%9.37%7.16%
Loopscale-lendingSolana1.29MUSDC0.12%6.91%7.14%
Yearn-financeEthereum7.46MUSDC0%6.88%7.06%
AccountableMonad2.17MUSDC0.22%7.58%7.03%
Zerobase-cedefiEthereum14.19MUSDT2%9%7%
Zerobase-cedefiBase10.53MUSDC2%9%7%
Zerobase-cedefiArbitrum7.61MUSDT2%9%7%
Zerobase-cedefiBSC16.76MUSDT2%8.76%6.76%
Zerobase-cedefiBSC1.89MUSDC2%8.76%6.76%
Midas-rwaEthereum3.41MUSDC0%6.97%6.72%
Midas-rwaEthereum1.44MUSDC0%6.97%6.72%
Pareto-creditEthereum21.91MUSDC0%6.62%6.62%
Harvest-financeBase1.06MUSDC0%6.86%6.59%
AccountableEthereum2.82MUSDC10.69%29.54%6.51%
Midas-rwaEthereum28.82MUSDC0%7.36%6.38%
Compound-v3Ethereum14.49MUSDT0%3.91%6.35%
Midas-rwaBase51.54MUSDC0%5.44%6.2%
Midas-rwaRobinhood Chain36.04MUSDC0%5.44%6.2%
Harmonix-financeHyperliquid L115.01MUSDC0%6.24%6.14%
AccountableMonad6.67MUSDC0.21%6%6.13%
Fluid-lendingArbitrum59.02MUSDC0%5.24%6.11%
Midas-rwaEthereum34.06MUSDC0%6.22%6.1%
Yearn-financeEthereum11.68MUSDC0%6.7%6.1%
Kamino-lendSolana4.65MUSDC0.02%6.29%6.09%
Fluid-lendingEthereum135.35MUSDC0%5.29%5.96%
Compound-v3Ethereum35.16MUSDC0%4.83%5.86%
Blend-pools-v2Stellar14.91MUSDC0%7.18%5.81%
Fusion-by-iporEthereum1.28MUSDC0%6.3%5.75%
Alchemix-v3Ethereum7.82MUSDC0%5.35%5.71%
Euler-v2Monad3.66MUSDC1.25%7.8%5.68%
SymbiosisEthereum1.01MUSDC0%4.45%5.66%
Ember-protocolSui8.72MUSDC0%11.63%5.61%
Ember-protocolEthereum6.13MUSDC0%10.25%5.61%
Kamino-lendSolana13.03MUSDC0.12%6.57%5.53%
Kamino-lendSolana10.66MUSDC0.35%5.96%5.41%
Aave-v3Avalanche5.79MUSDC0%5.73%5.39%
MapleEthereum738.32MUSDT0%5.26%5.33%
Kamino-lendSolana1.32MUSDC0.12%5.69%5.3%
Navi-lendingSui6.84MUSDC0.55%5.44%5.28%
Harvest-financeEthereum1.16MUSDC0%6.08%5.26%
Kamino-lendSolana1.06MUSDC0.12%5.61%5.25%
SymbioticEthereum1.01MUSDC0%6.08%5.14%
AutofinanceEthereum7.54MUSDC0.8%6.24%5.11%
Kamino-lendSolana1.59MUSDC0.1%5.58%5.04%
Aave-v4Ethereum2.64MUSDC0%5%4.93%
Yearn-financeBase1.52MUSDC0%4.85%4.92%
Kamino-lendSolana64.75MUSDC0.06%5.38%4.88%
Fluid-lendingBase10.86MUSDC3.32%8.13%4.84%
Fusion-by-iporBase2.94MUSDC0%4.61%4.8%
Ember-protocolEthereum2.05MUSDC0%4.36%4.67%
Kamino-lendSolana2.13MUSDC0%5.17%4.54%
Kamino-lendSolana10.31MUSDC0%5.24%4.53%
Kamino-lendSolana1.39MUSDC0%4.89%4.53%
Centrifuge-protocolAvalanche263.19MUSDC0%3.73%4.51%
Centrifuge-protocolBase22.77MUSDC0%3.72%4.51%
Centrifuge-protocolBSC1.02MUSDC0%3.71%4.51%
Centrifuge-protocolEthereum9.32MUSDC0%3.66%4.5%
Kamino-lendSolana1.03MUSDT0%4.39%4.48%
Yo-protocolBase7.58MUSDC0%4.38%4.46%
Yo-protocolEthereum1.87MUSDC0%4.38%4.46%
Kamino-lendSolana2.06MUSDC0.02%5.21%4.44%
Flux-financeEthereum1.95MUSDT0%4.44%4.44%
Kamino-lendSolana2.41MUSDC0.03%4.54%4.4%
TydroInk14.76MUSDC0%4.27%4.38%
Kamino-lendSolana3.98MUSDC0%5.59%4.37%
ExactlyOP Mainnet1.53MUSDC0%4.34%4.35%
ExactlyOP Mainnet1.53MUSDC0%4.3%4.3%
Kamino-lendSolana19.52MUSDC0%4.43%4.29%
Fusion-by-iporBase1.06MUSDC1.8%6.25%4.29%
Yearn-financeEthereum2.40MUSDC0%4.17%4.27%
ExactlyOP Mainnet1.53MUSDC0%4.23%4.25%
ExactlyOP Mainnet1.53MUSDC0%4.2%4.22%
Fluid-lendingEthereum129.39MUSDT0%4.44%4.17%
Flux-financeEthereum1.60MUSDC0%4.14%4.14%
ExactlyOP Mainnet1.53MUSDC0%4.31%4.12%
Aave-v3Monad16.05MUSDC1.5%6.15%4.11%
Kamino-lendSolana2.61MUSDT0%4.6%4.1%
Venus-core-poolBSC6.76MUSDC0%3.79%4.1%
ExactlyOP Mainnet1.53MUSDC0%4.26%4.09%
AutofinanceBase3.51MUSDC4.17%9.81%4.09%
Jupiter-lendSolana17.11MUSDT0%4.12%4.08%
Aave-v3Base18.64MUSDC1.85%4.51%4.04%
CurvanceMonad4.36MUSDC1.92%6.13%4.04%
SaveSolana3.89MUSDC0%3.19%4.03%
ExactlyOP Mainnet1.53MUSDC0%2.77%4.02%
ExactlyOP Mainnet1.53MUSDC0%4.05%4%
ExactlyOP Mainnet1.53MUSDC0%4.03%3.98%
DolomiteArbitrum1.42MUSDC0%4.61%3.97%
Aave-v3Polygon1.03MDAI0%4.41%3.94%
ExactlyOP Mainnet1.53MUSDC0%3.83%3.94%
Midas-rwaEthereum6.45MUSDC0%3.94%3.91%
Midas-rwaEtherlink1.13MUSDC0%3.93%3.91%
Hyperlend-pooledHyperliquid L15.39MUSDC0%4.5%3.88%
Spark-savingsEthereum297.23MUSDC0%3.68%3.8%
Spark-savingsAvalanche1.62MUSDC0%3.68%3.8%
Aave-v3Ethereum54.32MUSDC1.79%5.96%3.77%
Spark-savingsEthereum690.86MUSDT0%3.62%3.75%
Echelon-marketAptos1.25MUSDC2.48%5.97%3.68%
Yearn-financeEthereum19.48MUSDC0%3.66%3.68%
Yearn-financeEthereum1.12MUSDC0%3.46%3.68%
Storm-tradeTON2.68MUSDT0%4.48%3.67%
Kamino-lendSolana1.40MUSDC0%3.81%3.67%
SparklendEthereum4.71MUSDC0%3.43%3.56%
Aave-v3Avalanche2.71MUSDT0%3.94%3.55%
Lista-lendingBSC2.78MUSDT0%3.97%3.5%
Kamino-lendSolana1.43MUSDC0%2.88%3.49%
Venus-core-poolBSC41.89MUSDT0%3.32%3.47%
Extra-finance-leverage-farmingBase3.56MUSDC0%6.3%3.4%
Aave-v4Ethereum1.29MUSDC0%4.55%3.4%
SparklendEthereum15.86MUSDT0%3.4%3.4%
Yearn-financeEthereum5.69MUSDT0%3.29%3.35%
Aave-v3Ethereum12.05MDAI0%3.3%3.35%
Zerobase-cedefiOP Mainnet8.09MUSDT2%5.3%3.3%
Yearn-financeEthereum6.76MDAI0%2.91%3.23%
Aave-v3Polygon10.09MUSDC0%3.07%3.21%
Aave-v3Ethereum1.26MUSDC0%3.26%3.2%
Aave-v3BSC2.25MUSDC0%3.28%3.15%
Kamino-lendSolana6.79MUSDC4.99%8.53%3.14%
Compound-v3Arbitrum1.90MUSDC0%3.05%3.13%
Aave-v3Ethereum429.88MUSDT0%3.86%3.13%
Aave-v3Ethereum62.12MUSDT1.64%5.45%3.13%
SaveSolana1.57MUSDT0%2.1%3.12%
DolomiteEthereum35.11MUSDC3.42%7.28%3.06%
Aave-v3BSC11.61MUSDT0%2.95%3.04%
SparklendEthereum76.05MDAI0%2.75%2.85%
Spectra-metavaultsBase3.04MUSDC0%3.47%2.84%
Gami-labsBase3.04MUSDC0%3.47%2.84%
Midas-rwaEthereum74.91MUSDC0%3.28%2.75%
Midas-rwaEtherlink1.23MUSDC0%3.28%2.75%
Aave-v4Ethereum6.08MUSDT0%3.96%2.72%
NeverlandMonad1MUSDC4.74%10.16%2.7%
NeverlandMonad1MUSDC4.74%10.16%2.7%
Centrifuge-protocolBase6.56MUSDC0%3.77%2.49%
Centrifuge-protocolPharos4.73MUSDC0%3.6%2.49%
Centrifuge-protocolBSC1.02MUSDC0%3.6%2.49%
SymbioticEthereum1.01MUSDC0%2.92%2.42%
Lista-lendingBSC1.38MUSDT0%2.95%2.39%
Compound-v3Arbitrum5.29MUSDT0%2.46%2.31%
CurrentSui1.08MUSDT2.69%6.46%2.29%
Aave-v3Arbitrum54.11MUSDC0%3.06%2.28%
Justlend-v1Tron85.48MUSDT0%2.11%2.21%
Native-credit-poolEthereum1.13MUSDC0%3.95%2.09%
CurrentSui21.84MUSDC4.78%7.85%2.01%
Neutral-tradeSolana3.84MUSDC0%13%1.97%
Lista-lendingEthereum4.49MUSDC5.48%7.08%1.4%
Midas-rwaEtherlink4.95MUSDC0%4.47%1.38%
Native-credit-poolEthereum3.77MUSDT0%2.55%1.17%
ExactlyOP Mainnet1.53MUSDC0%1.09%1.07%
Lista-lendingEthereum4.13MUSDT4.94%5.74%1.02%
Lista-lendingBSC1.01MUSDC5.26%6.06%0.83%
Aave-v4Avalanche6.45MUSDC3.93%4.23%0.56%
AccountableEthereum1.79MUSDC0%12.67%0.45%
TectonicCronos1.52MUSDC0.02%0.48%0.4%
AcrossEthereum1.12MUSDT2.9%3.6%0.37%
Aave-v4Avalanche7.65MUSDT5.75%5.53%0.27%
CredixSolana13.41MUSDC0%0.05%0.03%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum7133.6M4.86%
Avalanche7288.7M3.93%
Base17159.8M7.06%
BSC13111.7M4.35%
Ethereum733.5B6.22%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon211.1M3.58%
Solana32733.6M5.12%
TON12.7M3.67%
zkSync Era000%