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 3.71% on Jul 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
03/07/2026 18:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Ember-protocolEthereum1.99MUSDC0%9.94%71.92%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
AccountableEthereum2.12MUSDC0%6.62%13.53%
Harvest-financeBase1.86MUSDC0%15.98%13.07%
Ember-protocolEthereum10.49MUSDC0%12.66%12.9%
AccountableMonad49.15MUSDC0.37%11.2%11.6%
AvantisBase29.95MUSDC0%9.66%10.59%
Gains-networkArbitrum6.85MUSDC0%9.87%10.22%
GoldfinchEthereum36.72MUSDC0%10.12%10.12%
AccountableMonad5.19MUSDC0.5%10.27%10%
Bracket-vaultsEthereum2.65MUSDC0%10.02%9.56%
AccountableMonad8.94MUSDC0.5%10.72%9.21%
Ember-protocolEthereum3.21MUSDC0%8.8%9.15%
Harmonix-financeHyperliquid L122.01MUSDC0%9.81%9.15%
Ember-protocolSui2.75MUSDC0%9.13%8.75%
Ember-protocolSui1.09MUSDC0%8.42%8.66%
Ember-protocolSui1.09MUSDC0%8.42%8.66%
YieldseekerBase1.89MUSDC0%8.04%8.57%
Bitway-earnBSC23.07MUSDT0%9.82%8%
Ember-protocolSui7MUSDC4%12%8%
Harvest-financeEthereum1.13MUSDC0%8.22%7.99%
Centrifuge-protocolAvalanche260.02MUSDC0%3.4%7.96%
Centrifuge-protocolBase50.14MUSDC0%3.4%7.96%
Centrifuge-protocolEthereum5.87MUSDC0%3.38%7.96%
Centrifuge-protocolBase2.22MUSDC0%3.38%7.96%
SymbiosisTron1.51MUSDT0%6.52%7.84%
LoopscaleSolana1.15MUSDC0.31%8.13%7.48%
Ember-protocolSui6.91MUSDC0%5.7%7.28%
Ember-protocolSui1.20MUSDC0%11.21%7.25%
Zerobase-cedefiEthereum14.12MUSDT2%9%7%
Zerobase-cedefiArbitrum7.63MUSDT2%9%7%
Gami-labsStellar14.64MUSDC0%7%7%
Spectra-metavaultsBase3.01MUSDC0.81%2.06%6.96%
Gami-labsBase3.01MUSDC0.81%2.39%6.96%
AccountableMonad2.94MUSDC0.5%7.62%6.79%
Zerobase-cedefiBSC2.10MUSDC2%8.76%6.76%
Zerobase-cedefiBSC22.22MUSDT2%8.76%6.76%
Blend-pools-v2Stellar14.58MUSDC0%7.08%6.58%
Kamino-lendSolana5.13MUSDC0%6.55%6.2%
Yearn-financeEthereum5.69MUSDC0%4.88%6.2%
AutofinanceEthereum7.17MUSDC0.36%6.27%6.17%
SymbiosisEthereum1.15MUSDC0%8.74%5.99%
Yearn-financeEthereum8.58MUSDC0%5.29%5.99%
Extra-finance-leverage-farmingBase3.44MUSDC0%6.55%5.98%
Storm-tradeTON3.74MUSDT0%5.95%5.93%
Hyperlend-pooledHyperliquid L110.10MUSDC0%6%5.89%
Fluid-lendingEthereum135.79MUSDC0%6.41%5.81%
Fluid-lendingEthereum8.22MUSDC0%5.37%5.81%
Ember-protocolSui1.35MUSDC0%7.83%5.78%
Fusion-by-iporEthereum1.92MUSDC0%6.22%5.65%
Fluid-lendingArbitrum37.23MUSDC0%5.9%5.64%
Centrifuge-protocolPharos15.10MUSDC0%3.44%5.35%
Navi-lendingSui5.68MUSDC0.47%6.01%5.33%
Fluid-lendingBase8.65MUSDC0%5.38%5.22%
AutofinanceBase7.03MUSDC1.92%7.51%5.04%
Yearn-financeBase1.70MUSDC0%4.59%5.01%
Centrifuge-protocolMonad4.52MUSDC0%2.76%4.99%
Kamino-lendSolana1.31MUSDC0%4.11%4.82%
Kamino-lendSolana6.64MUSDC0%4.92%4.71%
Kamino-lendSolana8.56MUSDC0%4.29%4.63%
Centrifuge-protocolPlume Mainnet32.93MUSDC0%2.04%4.51%
Yearn-financeEthereum1.18MUSDC0%3.94%4.44%
Flux-financeEthereum1.92MUSDT0%4.51%4.44%
Folks-finance-lendingAlgorand1.29MUSDC0%4.61%4.43%
DolomiteArbitrum1.43MUSDC0%3.83%4.36%
Ember-protocolSui1.12MUSDC5.71%11.17%4.33%
ExactlyOP Mainnet1.79MUSDC0%4.12%4.17%
ExactlyOP Mainnet1.79MUSDC0%4.16%4.17%
Euler-v2Ethereum7.19MUSDC0%3.18%4.16%
ExactlyOP Mainnet1.79MUSDC0%4.05%4.13%
Jupiter-lendSolana400.58MUSDC0.75%4.65%4.11%
Euler-v2Monad2.20MUSDC3.14%4.5%4.1%
Aave-v3Avalanche2.36MUSDT0%3.64%4.09%
Lista-lendingBSC4.83MUSDT0.07%4.81%4.09%
ExactlyOP Mainnet1.79MUSDC0%4.04%4.09%
Lista-lendingBSC6.29MUSDT0.15%5.19%4.06%
AmpleBase4.29MUSDC0%4.75%4.06%
ExactlyOP Mainnet1.79MUSDC0%3.91%4.03%
Fluid-lendingEthereum118.24MUSDT0%5.72%4.01%
Yo-protocolEthereum2.40MUSDC0%4.21%4.01%
Yo-protocolBase10.48MUSDC0%4.21%4.01%
ExactlyOP Mainnet1.79MUSDC0%3.95%3.97%
Folks-finance-xchainPolygon1.26MUSDT0%4.08%3.96%
Moonwell-lendingBase2.47MUSDC0.38%6.22%3.94%
MapleEthereum1.08BUSDT0%4.14%3.92%
Scallop-lendSui1.28MUSDC0%5.5%3.85%
ExactlyOP Mainnet1.79MUSDC0%3.43%3.83%
Yearn-financeEthereum7.22MUSDT0%3.3%3.83%
ExactlyOP Mainnet1.79MUSDC0%4.1%3.81%
TermmaxBase1.20MUSDC0%4.07%3.81%
ExactlyOP Mainnet1.79MUSDC0%3.75%3.8%
Flux-financeEthereum2.60MUSDC0%3.72%3.72%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum453.1M6.8%
Avalanche2262.4M6.03%
Base15131.3M6.61%
BSC558.5M5.93%
Ethereum241.5B9.34%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.3M3.96%
Solana6423.4M5.32%
TON13.7M5.93%
zkSync Era000%