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 Feb 19 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
21/02/2026 20:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Euler-v2Avalanche2.95MUSDT0%31.01%31.01%
Bracket-vaultsEthereum3.28MUSDC0%14.57%13.77%
Blend-pools-v2Stellar1.45MUSDC0.68%13.77%12.77%
Blend-pools-v2Stellar6.55MUSDC0%11.1%12.07%
AbyssSui1.27MUSDC0%6.86%11.24%
AvantisBase90.99MUSDC0%11.26%10.83%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
Gains-networkArbitrum11.44MUSDC0%10.55%9.68%
Woofi-earnArbitrum1.20MUSDC0%7.11%7.05%
DeltaprimeAvalanche1.28MUSDC0%6.46%6.81%
AutofinanceEthereum21.09MUSDC0.31%8.08%6.39%
Euler-v2Avalanche5.46MUSDC0%6.72%6.34%
LoopscaleSolana1.46MUSDC1.24%7.33%6.26%
Harvest-financeBase4.33MUSDC0%6.41%6.21%
WasabiSolana1.68MUSDC0%7.49%5.94%
Hyperlend-pooledHyperliquid L113.71MUSDC0%6.1%5.84%
Ipor-fusionBase1.70MUSDC0%6.45%5.51%
Harmonix-financeArbitrum1.15MUSDC0%5.51%5.44%
Yo-protocolBase28.99MUSDC14%17.31%5.41%
Moonwell-lendingBase2.56MUSDC1.19%3.74%5.09%
Scallop-lendSui1.69MUSDC0%5.36%5.07%
Ipor-fusionEthereum3.91MUSDT0%6.76%5.05%
WasabiBase6.66MUSDC0%6.28%5.01%
Yearn-financeEthereum3.97MUSDC0%5.91%4.98%
LoopscaleSolana1.21MUSDC2.23%7.39%4.97%
Extra-finance-leverage-farmingBase3.97MUSDC0%5.09%4.91%
NeverlandMonad3.04MUSDC7.21%12.77%4.86%
AutofinanceArbitrum1.48MUSDC1.69%6.32%4.82%
Echelon-marketAptos7.86MUSDC0%4.88%4.78%
LiqwidCardano2.52MUSDC1.58%10.19%4.74%
Flux-financeEthereum1.62MUSDT0%4.61%4.62%
AutofinanceBase17.90MUSDC1.65%6.93%4.6%
Yearn-financeEthereum7.30MUSDT0%4.56%4.48%
SymbiosisEthereum1.41MUSDC0%5.83%4.4%
Euler-v2Ethereum40.06MUSDC0%4.92%4.36%
SymbiosisTron1.38MUSDT0%4.82%4.34%
ExactlyOptimism1.71MUSDC0%4.22%4.25%
MapleEthereum1.35BUSDT0%4.41%4.19%
Flux-financeEthereum1.45MUSDC0%4.18%4.19%
Navi-lendingSui9.15MUSDC0.69%5.05%4.19%
Fluid-lendingArbitrum44.06MUSDC0.95%4.1%4.19%
Lazy-summer-protocolEthereum4.78MUSDC0.7%3.66%4.17%
Gains-networkBase2.16MUSDC0%8.4%4.16%
DolomiteEthereum13.59MUSDC0%4.58%4.16%
ExactlyOptimism1.71MUSDC0%3.86%4.15%
ExactlyOptimism1.71MUSDC0%4.07%4.12%
Folks-finance-lendingAlgorand1.71MUSDC0%4.15%4.09%
Yearn-financeEthereum1.11MUSDC0%4.2%4.08%
ExactlyOptimism1.71MUSDC0%4%4.04%
Spark-savingsAvalanche146.81MUSDC0%4%4%
Spark-savingsEthereum230.69MUSDC0%4%4%
ExactlyOptimism1.71MUSDC0%4.2%3.97%
ExactlyOptimism1.71MUSDC0%3.87%3.94%
Yearn-financeEthereum12.60MDAI0%4.38%3.87%
Benqi-lendingAvalanche2.49MUSDT0%3.69%3.78%
Harvest-financeEthereum1.07MUSDC0%4.03%3.76%
Harvest-financeEthereum1.07MUSDC0%4.03%3.76%
ExactlyOptimism1.71MUSDC0%3.11%3.71%
Folks-finance-xchainPolygon2.49MUSDT0%3.91%3.71%
ExactlyOptimism1.71MUSDC0%3.84%3.64%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum559.3M6.24%
Avalanche5159M10.39%
Base9159.3M5.75%
BSC000%
Ethereum181.7B5.24%
Hyperliquid000%
Mantle000%
Optimism813.6M3.98%
Polygon12.5M3.71%
Solana34.3M5.73%
TON000%
zkSync Era000%