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
03/09/2026 05:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Ember-protocolEthereum1.64MUSDC0%14.65%100.6%
EnsuroEthereum1.09MUSDC0%21.66%20.36%
Harvest-financeBase1.83MUSDC0%11.4%20.25%
AccountableEthereum3.22MUSDC0%11.26%18.34%
AccountableMonad7.50MUSDC0.91%20.08%15.66%
Neutral-tradeSolana2.24MUSDC0%7.66%14.76%
AccountableEthereum1.06MUSDC1.25%15.39%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum7.01MUSDC0%12.9%12.9%
AccountableEthereum11.69MUSDC0%11.69%12.51%
AccountableMonad5.04MUSDC0.42%12.12%11.64%
Kamino-lendSolana3.99MUSDC0%5.08%11.49%
AccountableMonad74.99MUSDC0.27%13.94%11.2%
Pareto-creditEthereum11.01MUSDC0%10.58%10.59%
Ember-protocolEthereum10.13MUSDC0%9.53%10.57%
Ember-protocolSui7.48MUSDC0%10.22%10.2%
Harvest-financeEthereum1.16MUSDC0%8.33%10.18%
Gains-networkArbitrum4.53MUSDC0%6.48%10.13%
AguaEthereum7.95MUSDC0%10%10%
Ember-protocolEthereum3.39MUSDC0%9.65%9.57%
Ember-protocolEthereum17.29MUSDC0%8.28%9.53%
Pareto-creditEthereum2.18MUSDC0%9.38%9.38%
YieldseekerBase1.12MUSDC0%9.09%8.86%
Midas-rwaEtherlink4.83MUSDC0%11.82%8.8%
AvantisBase15.77MUSDC0%6.04%8.76%
Ember-protocolSui1.42MUSDC0%10.24%8.54%
Euler-v2Monad1.15MUSDC1.25%9.64%8.06%
AccountableMonad1.08MUSDC0%21.58%8.02%
Bitway-earnBSC24.98MUSDT0%8%8%
Ember-protocolSui9.17MUSDC4%12%8%
Pareto-creditEthereum138.52MUSDC0%8.01%7.82%
Neutral-tradeSolana3.46MUSDC0%6%7.81%
Harvest-financeBase1.13MUSDC0%7%7.81%
Bitway-earnBSC6.43MUSDT0%6.26%7.5%
Harmonix-financeHyperliquid L122.29MUSDC0%6.42%7.49%
Midas-rwaEthereum64.53MUSDC0%9.08%7.45%
Midas-rwaEthereum7.67MUSDC0%8.53%7.44%
Neutral-tradeSolana2.22MUSDC0%34.36%7.24%
Harvest-financeBase1.37MUSDC0%6.54%7.13%
Pareto-creditEthereum21.95MUSDC0%7.13%7.13%
Blend-pools-v2Stellar10.57MUSDC0%6.56%7.03%
AccountableMonad1.48MUSDC0.38%7.72%7.03%
Zerobase-cedefiEthereum14.05MUSDT2%9%7%
Zerobase-cedefiBase10.56MUSDC2%9%7%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
LoopscaleSolana2.35MUSDC0.31%7.04%6.76%
Zerobase-cedefiBSC18.62MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.07MUSDC2%8.76%6.76%
Yearn-financeEthereum6.07MUSDC0%6.63%6.71%
SentoraEthereum53.67MUSDC0%6.34%6.68%
Fusion-by-iporBase1.37MUSDC0%5.94%6.63%
Fusion-by-iporEthereum1.27MUSDC0%5.05%6.61%
Extra-finance-leverage-farmingBase3.52MUSDC0%7.08%6.58%
Yearn-financeEthereum8.96MUSDC0%6.22%6.4%
Midas-rwaEthereum6.71MUSDC0%7.12%6.37%
Midas-rwaEthereum2.51MUSDC0%7.12%6.36%
AccountableMonad9.57MUSDC0.47%7.29%6.13%
Alchemix-v3Ethereum8MUSDC0%4.77%5.72%
Fusion-by-iporEthereum2.69MUSDC0%5.68%5.55%
Midas-rwaEthereum36.29MUSDC0%7.2%5.53%
Kamino-lendSolana13.21MUSDC0%7.53%5.44%
Midas-rwaEthereum6.42MUSDC0%8.48%5.43%
Midas-rwaEtherlink1.12MUSDC0%8.47%5.43%
AutofinanceBase7.47MUSDC2.24%7.75%5.4%
Storm-tradeTON3.04MUSDT0%5.49%5.38%
Hyperlend-pooledHyperliquid L117.27MUSDC0%6.43%5.3%
AutofinanceEthereum8.05MUSDC0.81%5.88%5.26%
Fluid-lendingEthereum152.13MUSDC0%5.04%5.07%
Fluid-lendingEthereum3.96MUSDC0%5.04%5.07%
Yearn-financeBase1.74MUSDC0%4.96%5.03%
Centrifuge-protocolAvalanche261.88MUSDC0%5.26%4.99%
Centrifuge-protocolBase50.50MUSDC0%5.26%4.99%
Centrifuge-protocolEthereum7.52MUSDC0%5.26%4.99%
Midas-rwaEthereum1.77MUSDC0%11.94%4.98%
Benqi-lendingAvalanche2.42MUSDC0%4.56%4.95%
MapleEthereum1.01BUSDT0%4.3%4.9%
Aave-v3Monad13.40MUSDC1.13%5.52%4.87%
Fluid-lendingBase8.95MUSDC0%5.1%4.75%
AmpleBase4.41MUSDC0%4.1%4.72%
Navi-lendingSui7.63MUSDC0.47%5.55%4.67%
Nawa-protocolZIGChain3.42MUSDC0%9.35%4.64%
Kamino-lendSolana4.56MUSDC0%5.94%4.62%
DolomiteArbitrum1.20MUSDC0%4.32%4.6%
Fusion-by-iporBase1.31MUSDC3.5%7.22%4.47%
Flux-financeEthereum1.92MUSDT0%4.42%4.45%
Aave-v3Avalanche2.25MUSDT0%3.57%4.38%
ExactlyOP Mainnet1.78MUSDC0%4.37%4.38%
Fluid-lendingEthereum136.13MUSDT0%4.7%4.35%
ExactlyOP Mainnet1.78MUSDC0%4.31%4.32%
ExactlyOP Mainnet1.78MUSDC0%4.26%4.3%
Jupiter-lendSolana452.45MUSDC0.4%5.15%4.28%
SymbiosisEthereum1.53MUSDC0%4.68%4.25%
ExactlyOP Mainnet1.78MUSDC0%4.19%4.23%
ExactlyOP Mainnet1.78MUSDC0%4.2%4.2%
TydroInk8.57MUSDC0%2.65%4.18%
Euler-v2Monad1.16MUSDC0%3.88%4.17%
ExactlyOP Mainnet1.78MUSDC0%4.05%4.12%
Yo-protocolBase8.46MUSDC0%4.13%4.05%
Yo-protocolEthereum1.51MUSDC0%4.12%4.05%
ExactlyOP Mainnet1.78MUSDC0%3.8%4.02%
Aave-v4Ethereum1.30MUSDT0%2.7%4.02%
Moonwell-lendingBase2.09MUSDC0.08%7.2%3.92%
Ember-protocolEthereum2.04MUSDC0%3.39%3.86%
Jupiter-lendSolana17.90MUSDT0%3.73%3.86%
TermmaxEthereum3.34MUSDC0%4.04%3.81%
ExactlyOP Mainnet1.78MUSDC0%4.07%3.8%
Yearn-financeEthereum20.12MUSDC0%3.43%3.8%
Aave-v3Avalanche5.58MUSDC0%3.75%3.79%
Midas-rwaEthereum3.49MUSDC0%3.78%3.78%
Yearn-financeEthereum2.43MUSDC0%3.64%3.78%
Flux-financeEthereum2.59MUSDC0%3.73%3.73%
Aave-v3Base18.64MUSDC0%3.44%3.71%
Lista-lendingBSC2.52MUSDT1.44%7.22%3.69%
Euler-v2Ethereum4.91MUSDC0%3.77%3.67%
Compound-v3Ethereum36.26MUSDC0.11%4.3%3.61%
Kamino-lendSolana1.86MUSDC0%5.33%3.59%
Centrifuge-protocolMonad4.55MUSDC0%3.64%3.56%
Centrifuge-protocolPharos4.40MUSDC0%3.66%3.56%
Spark-savingsEthereum309.15MUSDC0%3.52%3.52%
Spark-savingsAvalanche9.48MUSDC0%3.52%3.52%
SparklendEthereum2MUSDC0%3.48%3.47%
Aave-v3Ethereum209.32MUSDT0%3.08%3.39%
Aave-v3Ethereum71.97MUSDT1.42%4.48%3.39%
Fluid-lendingArbitrum65.24MUSDC0%4.7%3.37%
Aave-v3Ethereum58.90MUSDC1.65%5.28%3.37%
Midas-rwaEthereum71.78MUSDC0%3.23%3.31%
Midas-rwaEtherlink1.22MUSDC0%3.24%3.31%
Native-credit-poolEthereum1.77MUSDT0%3.07%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
AccountableEthereum1.97MUSDC18.88%25.86%3.3%
DolomiteEthereum30.04MUSDC4.08%7.52%3.28%
Yearn-financeEthereum7.43MDAI0%3.14%3.27%
LoopscaleSolana1.36MUSDC7.21%9.41%3.26%
Spark-savingsEthereum363.60MUSDT0%3.01%3.25%
Euler-v2Ethereum5.85MUSDC0%3.12%3.19%
Yearn-financeEthereum5.78MUSDT0%3.17%3.17%
Native-credit-poolBSC2.37MUSDT0%3.14%3.14%
CurvanceMonad2.72MUSDC2.25%5.28%3.05%
Kamino-lendSolana2.56MUSDT0%4.09%3%
Aave-v3Ethereum18.84MDAI0%2.84%2.99%
Venus-core-poolBSC12.02MUSDC0%2.33%2.99%
Venus-core-poolBSC55.45MUSDT0%2.22%2.97%
Compound-v3Ethereum33.74MUSDT0.11%3.13%2.95%
Aave-v3Mantle1.20MUSDC0%2.17%2.94%
Venus-fluxBSC2.15MUSDT0%2.31%2.94%
Aave-v3BSC2.09MUSDC0%2.93%2.9%
Aave-v3Polygon12.01MUSDC0%2.83%2.86%
Aave-v3Ethereum1.67MUSDC0%2.96%2.79%
Compound-v3Arbitrum3.40MUSDC0%2.76%2.78%
SaveSolana5.76MUSDC0%2.48%2.76%
SparklendEthereum62.71MUSDT0%3.61%2.62%
Centrifuge-protocolEthereum1.87MUSDC0%1.99%2.62%
Compound-v3Arbitrum3.99MUSDT0%2.31%2.62%
Aave-v3Arbitrum33.35MUSDC0%2.37%2.59%
Aave-v3Ethereum1.54MUSDC0%2.44%2.56%
Aave-v3BSC12.75MUSDT0%2.19%2.51%
Kamino-lendSolana3.85MUSDC0%6.47%2.45%
SparklendEthereum101MDAI0%2.18%2.41%
Justlend-v1Tron67.89MUSDT0%2.24%2.39%
Aave-v3OP Mainnet2.61MUSDC0%2.62%2.37%
Spectra-metavaultsBase3.02MUSDC0%2.64%2.31%
Gami-labsBase3.02MUSDC0%2.63%2.31%
CurrentSui11.16MUSDC8.06%9.7%2.11%
Midas-rwaEthereum26.21MUSDC0%5.64%2.04%
Aave-v3Arbitrum1.11MDAI0%1.97%1.95%
Aave-v3Sonic1.15MUSDC0%1.87%1.88%
Venus-core-poolBSC1.02MDAI0%1.84%1.83%
Lista-lendingBSC1.01MUSDT0%1.86%1.82%
Lista-lendingBSC1.01MUSDT0%1.86%1.82%
NeverlandMonad1.73MUSDC7.43%8.46%1.76%
SaveSolana2.25MUSDT0%1.52%1.75%
Echelon-marketAptos1.43MUSDC1.55%3.49%1.65%
Lista-lendingBSC3.02MUSDT0%2.2%1.57%
Aave-v4Ethereum1.94MUSDC0%1.99%1.5%
Lista-lendingEthereum3.84MUSDC7.29%6.6%1.34%
Lista-lendingBSC3.34MUSDT0%0.96%1.14%
ExactlyOP Mainnet1.78MUSDC0%0.97%0.86%
Zest-v2Stacks10.08MUSDC0%0.56%0.76%
Lista-lendingEthereum2.78MUSDT6.01%5.88%0.49%
Aave-v4Avalanche5.57MUSDC5.76%2.36%0.42%
AcrossEthereum1.58MUSDT1.21%1.42%0.19%
AcrossEthereum1.10MUSDC4.03%4.19%0.19%
TectonicCronos45.03MUSDT0%0.2%0.15%
TectonicCronos53.72MUSDC0%0.12%0.12%
CredixSolana13.48MUSDC0%0.04%0.04%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum8120.5M4.38%
Avalanche6287.2M3.67%
Base19146.3M6.25%
BSC16150.8M3.65%
Ethereum733.3B6.8%
Hyperliquid000%
Mantle11.2M2.94%
Optimism000%
Polygon112M2.86%
Solana16533.5M5.2%
TON13M5.38%
zkSync Era000%