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 3.63% on Jun 05 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
09/06/2026 18:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Hyperlend-pooledHyperliquid L13.94MUSDC0%5.22%27.87%
Gains-networkArbitrum6.11MUSDC0%8.3%18.77%
AccountableMonad9.41MUSDC1%12.45%17.29%
AccountableEthereum1.03MUSDC0%14.25%14.25%
Canto-lendingCanto1.35MUSDC0%13.42%13.61%
Ember-protocolEthereum37.63MUSDC0%14.89%12.46%
SymbiosisEthereum1.28MUSDC0%9.24%12.2%
Bracket-vaultsEthereum2.75MUSDC0%10.48%10.25%
Harmonix-financeHyperliquid L116.20MUSDC0%10.23%10.16%
GoldfinchEthereum36.72MUSDC0%10.07%10.12%
Aave-v3Ethereum6.10MDAI0%2.38%10.11%
AccountableMonad5.16MUSDC0%10%10%
Bitway-earnBSC24.57MUSDT0%10.35%10%
AutofinanceEthereum1.52MUSDC0%10.4%9.42%
YieldseekerBase1.96MUSDC0%9.17%9.34%
AccountableMonad45.14MUSDC1%9.65%8.8%
ForgeyieldsStarknet1.04MUSDC0%16.69%8.36%
SymbiosisTron1.15MUSDT0%7.71%8.34%
AvantisBase36.57MUSDC0%10.49%8.11%
Fusion-by-iporEthereum1.47MUSDC0%6.07%8.09%
Ember-protocolSui1.07MUSDC0%9.53%8.01%
Ember-protocolSui6.11MUSDC4%12%8%
Blend-pools-v2Stellar11.72MUSDC0%8.39%7.89%
Ember-protocolEthereum4.63MUSDC0%7.09%7.87%
Ember-protocolSui2.92MUSDC0%7.45%7.66%
Harvest-financeEthereum1.13MUSDC0%5.87%7.63%
AccountableMonad3.92MUSDC1%8.61%7.28%
Ember-protocolSui1.53MUSDC0%9.15%7.22%
LoopscaleSolana1.50MUSDC0.81%8.01%7.11%
Zerobase-cedefiArbitrum7.62MUSDT2%9%7%
Zerobase-cedefiEthereum14.30MUSDT2%9%7%
Fluid-lendingArbitrum36.83MUSDC0%5.64%6.97%
Harvest-financeBase1.86MUSDC0%9.3%6.87%
Zerobase-cedefiBSC23.65MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.09MUSDC2%8.76%6.76%
Lista-lendingBSC4.34MUSDT0.61%2.54%6.66%
Extra-finance-leverage-farmingBase3.69MUSDC0%6.35%6.22%
LazyEthereum1.02MUSDC0%7.82%6.2%
Gains-networkBase2.19MUSDC0%3.64%6.01%
Storm-tradeTON3.58MUSDT0%5.88%5.86%
Lista-lendingBSC6.51MUSDT3.67%2.26%5.7%
AutofinanceEthereum7.34MUSDC0.46%5.02%5.69%
AutofinanceBase6.64MUSDC2.54%8.21%5.55%
Fluid-lendingBase9.55MUSDC0%5.43%5.52%
Moonwell-lendingBase1.49MUSDC1.07%6.62%5.42%
CurvanceMonad1.01MUSDC2.7%7.79%5.26%
CurvanceMonad1.01MUSDC2.7%7.79%5.26%
Kamino-lendSolana5.34MUSDC0%5.59%5.21%
Ember-protocolSui1.13MUSDC0%7.63%5.18%
Kamino-lendSolana7.65MUSDC0%5.35%5.11%
Ember-protocolEthereum2.71MUSDC0%7.08%5.02%
Ember-protocolSui7.07MUSDC0%6.86%5.02%
Navi-lendingSui2.54MUSDC0.52%5.05%5%
AmpleBase4.35MUSDC0%4.79%4.62%
Folks-finance-lendingAlgorand1.23MUSDC0%4.49%4.59%
Flux-financeEthereum1.77MUSDT0%4.58%4.53%
Yearn-financeEthereum4.14MUSDC0%5.17%4.5%
Aave-v3Avalanche2.47MUSDT0%4.94%4.39%
Folks-finance-xchainPolygon1.09MUSDT0%4.49%4.32%
Yearn-financeBase1.72MUSDC0%66.03%4.29%
Benqi-lendingAvalanche1.29MUSDT0%4.6%4.28%
MapleEthereum819.31MUSDT0%4.23%4.21%
ExactlyOP Mainnet1.50MUSDC0%4.17%4.18%
ExactlyOP Mainnet1.50MUSDC0%4.14%4.16%
Yearn-financeEthereum11.57MUSDC0%4.93%4.12%
Ember-protocolSui1.13MUSDC0%8.1%4.09%
ExactlyOP Mainnet1.50MUSDC0%4.05%4.09%
ExactlyOP Mainnet1.50MUSDC0%3.97%4.08%
Euler-v2Monad1.39MUSDC0%5.16%4.06%
ExactlyOP Mainnet1.50MUSDC0%3.98%4.06%
ExactlyOP Mainnet1.50MUSDC0%3.98%4.03%
ExactlyOP Mainnet1.50MUSDC0%3.96%4%
ExactlyOP Mainnet1.50MUSDC0%3.95%3.94%
Fluid-lendingEthereum102.56MUSDC1.28%6.32%3.85%
Fluid-lendingEthereum8.54MUSDC0%4.36%3.85%
Benqi-lendingAvalanche5.29MUSDC0%6.33%3.82%
ExactlyOP Mainnet1.50MUSDC0%2.27%3.82%
TermmaxBase1.25MUSDC0%4.12%3.81%
Yearn-financeEthereum2.45MUSDC0%3.62%3.77%
Lazy-summer-protocolBase1.40MUSDC0.69%3.83%3.75%
Aave-v3Avalanche6.65MUSDC0%4.92%3.75%
Flux-financeEthereum2.60MUSDC0%3.69%3.72%
ExactlyOP Mainnet1.50MUSDC0%2%3.69%
Yearn-financeEthereum1.18MUSDC0%3.3%3.69%
Yo-protocolEthereum2.76MUSDC0%4.15%3.66%
Yo-protocolBase12.01MUSDC0%4.14%3.66%
SparklendEthereum3.31MUSDC0%4.06%3.63%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum350.6M10.91%
Avalanche415.7M4.06%
Base1384.7M5.63%
BSC561.2M7.18%
Ethereum251.1B6.79%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.1M4.32%
Solana314.5M5.81%
TON13.6M5.86%
zkSync Era000%