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 3.61% on Apr 01 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
03/04/2026 09:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bracket-vaultsEthereum2.73MUSDC0%12.6%12.02%
BitwayBSC14.85MUSDT0%12%12%
GoldfinchEthereum37.25MUSDC0%10.01%10.06%
SymbiosisEthereum1.35MUSDC0%4.58%9.78%
Blend-pools-v2Stellar9.54MUSDC0%9.33%9.35%
Spectra-metavaultsBase5.15MUSDC0.19%9.13%9.01%
Gains-networkArbitrum8.84MUSDC0%7.1%8.79%
AbyssSui1.91MUSDC0%8.66%8.69%
AvantisBase66.73MUSDC0%9.57%8.53%
Harvest-financeBase2.04MUSDC0%5.4%7.88%
LoopscaleSolana1.39MUSDC1.26%7.98%7.42%
Zerobase-cedefiEthereum14.46MUSDT2%9%7%
Zerobase-cedefiArbitrum7.94MUSDT2%9%7%
Zerobase-cedefiBSC1.32MUSDC2%8.97%6.76%
Zerobase-cedefiBSC23.22MUSDT2%9.62%6.76%
Project-0Solana1.30MUSDC0%2.39%6.75%
Scallop-lendSui1.10MUSDC0%4.38%5.88%
Yearn-financeEthereum2.39MUSDC0%5.76%5.82%
Yo-protocolEthereum11.13MUSDC12%16.14%5.23%
Yo-protocolBase28.37MUSDC12%16.49%5.23%
DolomiteEthereum8.95MUSDC0%5.26%5.18%
DeltaprimeAvalanche1.16MUSDC0%5.6%5.09%
Extra-finance-leverage-farmingBase4.12MUSDC0%5.18%4.92%
Woofi-earnArbitrum1.14MUSDC0%5.34%4.74%
Fluid-lendingArbitrum31.55MUSDC0.93%5.57%4.72%
AutofinanceEthereum8.74MUSDC0%3%4.7%
AutofinanceBase8.55MUSDC1.99%5.87%4.67%
Flux-financeEthereum1.75MUSDT0%4.54%4.54%
Navi-lendingSui8.49MUSDC0.53%4.74%4.41%
AutofinanceEthereum10.04MUSDC0.5%5.58%4.31%
Yearn-financeEthereum2.11MUSDC0%5.02%4.3%
ExactlyOptimism1.69MUSDC0%4.22%4.28%
ExactlyOptimism1.69MUSDC0%4.12%4.17%
Yearn-financeEthereum4.03MUSDC0%4.47%4.15%
SparklendEthereum1.88MUSDC0%4.07%4.14%
ExactlyOptimism1.69MUSDC0%4.02%4.06%
Benqi-lendingAvalanche2.13MUSDT0%4.81%4.05%
Aave-v3Polygon1.08MDAI0%3.38%4.02%
Aave-v3Polygon1.08MDAI0%3.38%4.02%
Hyperlend-pooledHyperliquid L120.58MUSDC0%3.87%4.01%
ExactlyOptimism1.69MUSDC0%3.58%3.99%
ExactlyOptimism1.69MUSDC0%4.16%3.97%
Lazy-summer-protocolEthereum4.53MUSDC0.54%3.91%3.96%
Euler-v2Avalanche2.54MUSDC0%6.54%3.92%
WasabiBase3.54MUSDC0%4.05%3.85%
Euler-v2Ethereum27.68MUSDC0%3.4%3.84%
Euler-v2Arbitrum1.31MUSDC0%3.05%3.83%
ExactlyOptimism1.69MUSDC0%3.49%3.79%
Project-0Solana1.46MUSDT0%3.13%3.78%
MapleEthereum1.94BUSDT0%3.99%3.78%
Flux-financeEthereum2.46MUSDC0%4%3.76%
Benqi-lendingAvalanche6.45MUSDC0%3.86%3.76%
Spark-savingsAvalanche71.04MUSDC0%3.79%3.75%
Spark-savingsEthereum386.30MUSDC0%3.79%3.75%
NeverlandMonad16.07MUSDC4.4%8.68%3.75%
Yearn-financeEthereum7.66MUSDT0%3.86%3.75%
Fluid-lendingBase9.89MUSDC2.04%5.8%3.72%
ExactlyOptimism1.69MUSDC0%3.32%3.66%
ExactlyOptimism1.69MUSDC0%3.66%3.65%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum550.8M5.82%
Avalanche583.3M4.11%
Base8128.4M5.98%
BSC339.4M8.51%
Ethereum192.5B5.48%
Hyperliquid000%
Mantle000%
Optimism813.5M3.95%
Polygon22.2M4.02%
Solana34.1M5.98%
TON000%
zkSync Era000%