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
20/09/2026 22:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Gains-networkArbitrum4.38MUSDC0%21.66%55.09%
Neutral-tradeSolana2.27MUSDC0%14.59%37.86%
Neutral-tradeSolana3.37MUSDC0%5.46%28.26%
AccountableEthereum1.90MUSDC19.37%35.61%25.27%
Ember-protocolEthereum17.39MUSDC0%9.6%24%
AvantisBase10MUSDC0%11.2%21.01%
Harvest-financeBase1.86MUSDC0%42.74%20.94%
EnsuroEthereum1.10MUSDC0%21.1%18.52%
AccountableMonad7.50MUSDC0.95%16.71%16.53%
Neutral-tradeSolana2.17MUSDC0%14.15%16.21%
AccountableEthereum1.05MUSDC0.75%15.03%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum1.64MUSDC0%26.97%12.93%
Ember-protocolEthereum4.69MUSDC0%12.89%12.9%
AccountableEthereum13.86MUSDC0%12.19%12.51%
Ember-protocolSui1.28MUSDC0%10.15%12.43%
Midas-rwaEthereum26.37MUSDC0%5.64%11.87%
AccountableMonad5.04MUSDC0.44%12.09%11.64%
AccountableMonad74.98MUSDC0.28%11.88%11.4%
AccountableEthereum3.39MUSDC0%10.85%11.31%
Ember-protocolEthereum10.30MUSDC0%9.72%11.07%
Nawa-protocolZIGChain3.43MUSDC0%7.61%10.7%
Pareto-creditEthereum11.01MUSDC0%10.59%10.59%
Ember-protocolSui8.29MUSDC0%10.06%10.21%
AguaEthereum6.21MUSDC0%10%10%
Ember-protocolEthereum3.35MUSDC0%9.47%9.51%
Pareto-creditEthereum2.18MUSDC0%9.38%9.38%
Blend-pools-v2Stellar9.88MUSDC0%7.21%8.19%
Bitway-earnBSC25.19MUSDT0%8%8%
Ember-protocolSui8.65MUSDC4%12%8%
Pareto-creditEthereum154.60MUSDC0%7.89%7.82%
Neutral-tradeSolana1.19MUSDC0%10.31%7.71%
Fusion-by-iporEthereum1.09MUSDC0%7.55%7.66%
Harvest-financeBase1.15MUSDC0%7.08%7.62%
Midas-rwaEtherlink4.93MUSDC0%8.49%7.6%
Midas-rwaEthereum65.47MUSDC0%7.63%7.51%
Bitway-earnBSC6.71MUSDT0%7.5%7.5%
Sentora-curatorEthereum74.29MUSDC0%6.58%7.31%
Midas-rwaEthereum7.49MUSDC0%7.68%7.15%
Midas-rwaEthereum67.34MUSDC0%7.13%7.13%
Fusion-by-iporEthereum1.28MUSDC0%6.47%7.07%
Zerobase-cedefiEthereum14.08MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.63MUSDT2%9%7%
Yearn-financeEthereum7.56MUSDC0%6.76%6.85%
Harmonix-financeHyperliquid L121.97MUSDC0%6.92%6.82%
AccountableMonad2.30MUSDC0.27%7.39%6.79%
Zerobase-cedefiBSC18.20MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.12MUSDC2%8.76%6.76%
Pareto-creditEthereum22MUSDC0%6.9%6.62%
Midas-rwaEthereum1.70MUSDC0%8.38%6.61%
Rhea-lendNear1.94MUSDC0%7.4%6.57%
Kamino-lendSolana7MUSDC0%7.19%6.48%
Extra-finance-leverage-farmingBase3.59MUSDC0%6.51%6.46%
Midas-rwaEthereum6.73MUSDC0%7.34%6.39%
Midas-rwaEthereum2.52MUSDC0%7.32%6.39%
Euler-v2Monad5.87MUSDC1.6%8.14%6.28%
Harvest-financeEthereum1.16MUSDC0%9.32%6.24%
Yearn-financeEthereum11.17MUSDC0%6.62%5.98%
Fusion-by-iporEthereum2.39MUSDC0%5.9%5.87%
Aave-v4Ethereum1.36MUSDC0%4.45%5.76%
Midas-rwaEthereum31.42MUSDC0%6.49%5.6%
AutofinanceBase3.61MUSDC4.87%9.13%5.58%
SymbioticEthereum1.01MUSDC0%5.66%5.54%
SymbioticEthereum1.01MUSDC0%5.66%5.54%
Rhea-lendNear1.64MUSDT0%5.58%5.51%
Alchemix-v3Ethereum7.72MUSDC0%5.41%5.41%
Lista-lendingBSC2.49MUSDT0%2.96%5.39%
AccountableMonad7.42MUSDC0.5%6.19%5.14%
Fluid-lendingEthereum125.49MUSDT0%4.85%5.13%
Storm-tradeTON2.80MUSDT0%5.33%5.09%
Gami-labsBase3.03MUSDC0%2.33%5.05%
Spectra-metavaultsBase3.03MUSDC0%2.36%5.05%
Yearn-financeBase1.72MUSDC0%5.02%4.94%
Native-credit-poolEthereum1.10MUSDC0%4.93%4.93%
AutofinanceEthereum7.68MUSDC0.95%6.11%4.93%
Lista-lendingBSC2.18MUSDT0%6.88%4.76%
Fluid-lendingBase9.28MUSDC0%4.95%4.72%
MapleEthereum693.13MUSDT0%4.63%4.72%
Navi-lendingSui9.14MUSDC0.48%5.41%4.66%
Jupiter-lendSolana469.77MUSDC0.38%4.86%4.53%
Kamino-lendSolana3.26MUSDC0%5.44%4.5%
Fluid-lendingArbitrum62.13MUSDC0%4.19%4.45%
Flux-financeEthereum1.94MUSDT0%4.45%4.44%
Yo-protocolBase8.26MUSDC0%4.16%4.44%
Yo-protocolEthereum1.35MUSDC0%4.16%4.44%
Fusion-by-iporBase1.28MUSDC0%7.28%4.41%
ExactlyOP Mainnet1.59MUSDC0%4.38%4.39%
DolomiteArbitrum1.27MUSDC0%4.49%4.38%
Yearn-financeBase1.02MUSDC0%4.42%4.38%
Ember-protocolEthereum2.04MUSDC0%4.21%4.36%
Benqi-lendingAvalanche3.46MUSDC0%4.95%4.35%
ExactlyOP Mainnet1.59MUSDC0%4.31%4.34%
ExactlyOP Mainnet1.59MUSDC0%4.32%4.33%
ExactlyOP Mainnet1.59MUSDC0%4.24%4.29%
AccountableMonad1.14MUSDC0%14.74%4.24%
ExactlyOP Mainnet1.59MUSDC0%4.14%4.21%
TydroInk17.38MUSDC0%3.79%4.19%
ExactlyOP Mainnet1.59MUSDC0%4.2%4.18%
ExactlyOP Mainnet1.59MUSDC0%4.04%4.17%
Flux-financeEthereum1.57MUSDC0%3.83%4.15%
CurvanceMonad3.07MUSDC2%5.55%4.07%
Jupiter-lendSolana17.09MUSDT0%4.03%4.05%
Yearn-financeEthereum2.39MUSDC0%3.88%4.05%
Fluid-lendingEthereum146.34MUSDC0%4.71%4.04%
Aave-v3Monad14.28MUSDC1.99%5.8%4.02%
ExactlyOP Mainnet1.59MUSDC0%3.92%4.02%
Aave-v3Ethereum196.55MUSDT0%3.43%3.97%
Aave-v3Ethereum69.01MUSDT1.48%4.88%3.97%
Kamino-lendSolana1.79MUSDC0%4.68%3.85%
Kamino-lendSolana19.04MUSDC0%4.74%3.84%
Centrifuge-protocolAvalanche262.40MUSDC0%4.98%3.82%
Centrifuge-protocolBase62.60MUSDC0%4.98%3.82%
Centrifuge-protocolEthereum9.29MUSDC0%5.03%3.82%
Compound-v3Ethereum36.96MUSDC0%4.88%3.79%
Midas-rwaEthereum3.49MUSDC0%3.78%3.78%
Euler-v2Monad1.55MUSDC1.25%4.74%3.77%
Venus-core-poolBSC8.21MUSDC0%2.76%3.73%
AmpleBase4.39MUSDC0%4.02%3.73%
Fusion-by-iporBase1.15MUSDC2.84%6.54%3.72%
Aave-v3Arbitrum15.96MUSDC0%2.59%3.71%
ExactlyOP Mainnet1.59MUSDC0%0.85%3.69%
SaveSolana4.53MUSDC0%2.95%3.69%
Yearn-financeEthereum20.89MUSDC0%3.68%3.63%
Aave-v3Base22.18MUSDC0%3.56%3.62%
Aave-v3Ethereum175.11MUSDC0%3.93%3.62%
Aave-v3Ethereum58.32MUSDC1.67%5.51%3.62%
Centrifuge-protocolPlume Mainnet20.78MUSDC0%4.57%3.61%
Spark-savingsEthereum307.11MUSDC0%3.57%3.6%
Spark-savingsAvalanche9.37MUSDC0%3.57%3.6%
Kamino-lendSolana1.87MUSDT0%4.15%3.58%
Aave-v3Avalanche6.42MUSDC0%4.1%3.54%
Aave-v3Avalanche2.81MUSDT0%4%3.5%
Spark-savingsEthereum417.09MUSDT0%3.31%3.5%
SymbiosisEthereum1.26MUSDC0%4.9%3.5%
Centrifuge-protocolEthereum2.07MUSDT0%2.57%3.46%
Midas-rwaEthereum72.61MUSDC0%3.39%3.41%
Midas-rwaEtherlink1.22MUSDC0%3.39%3.41%
SparklendEthereum15.45MUSDT0%3.24%3.39%
Native-credit-poolEthereum1.22MUSDT0%3.31%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Aave-v3BSC1.78MUSDC0%3.05%3.3%
Aave-v4Ethereum1.57MUSDT0%3.66%3.29%
Yearn-financeEthereum5.74MUSDT0%3.21%3.27%
Yearn-financeEthereum1.11MUSDC0%3.64%3.26%
Aave-v3Polygon10.24MUSDC0%2.91%3.24%
DolomiteEthereum31.17MUSDC4.03%7.43%3.23%
Aave-v3Ethereum1.15MUSDC0%2.82%3.21%
Venus-core-poolBSC50.67MUSDT0%2.67%3.15%
Native-credit-poolBSC1.41MUSDT0%3.14%3.14%
Hyperlend-pooledHyperliquid L127.75MUSDC0%5.45%3.11%
Benqi-lendingAvalanche1.24MUSDT0%3.74%3.1%
Aave-v3Ethereum16.62MDAI0%2.98%3.1%
SparklendEthereum5.74MUSDC0%3.47%3%
Yearn-financeEthereum7.37MDAI0%3.23%2.95%
Compound-v3Arbitrum2.67MUSDC0%2.83%2.95%
Centrifuge-protocolPharos4.40MUSDC0%3.21%2.86%
Compound-v3Ethereum37.30MUSDT0%3.08%2.84%
Aave-v3BSC12.87MUSDT0%2.61%2.75%
Aave-v3OP Mainnet1.96MUSDC0%2.49%2.72%
Compound-v3Arbitrum4.31MUSDT0%2.6%2.54%
SparklendEthereum100.08MDAI0%2.35%2.46%
Kamino-lendSolana1.93MUSDC0%1.07%2.36%
Lista-lendingBSC1.94MUSDT0%2.2%2.29%
Justlend-v1Tron78.62MUSDT0%2.33%2.27%
CurrentSui15.27MUSDC6.97%9.04%2.06%
Aave-v4Ethereum1.41MUSDC0%1.87%2.05%
Scallop-lendSui1.04MUSDC0%2.37%1.99%
SaveSolana2.39MUSDT0%1.76%1.99%
Aave-v3Arbitrum1.07MDAI0%1.92%1.99%
Centrifuge-protocolMonad4.55MUSDC0%3.14%1.96%
Aave-v3Sonic1.15MUSDC0%1.85%1.83%
Midas-rwaEthereum6.43MUSDC0%5.23%1.64%
Midas-rwaEtherlink1.12MUSDC0%5.18%1.64%
Aave-v3Xlayer4.71MUSDC0%1.73%1.6%
Echelon-marketAptos1.55MUSDC4.67%3.36%1.33%
Venus-fluxBSC1.86MUSDT0%2.66%1.18%
Lista-lendingEthereum5.64MUSDC5.78%7.21%1.04%
ExactlyOP Mainnet1.59MUSDC0%0.92%1.02%
Ember-protocolSui2.25MUSDC0%1.39%0.89%
Zest-v2Stacks10.13MUSDC0%0.72%0.88%
AcrossEthereum1.12MUSDT3.03%1.59%0.59%
TectonicCronos1.25MUSDC0.03%0.39%0.56%
Lista-lendingEthereum4.06MUSDT5.34%6.14%0.52%
Aave-v4Avalanche7.49MUSDC4.73%5.37%0.4%
AcrossEthereum1.10MUSDC4.47%4.37%0.32%
Aave-v4Avalanche3.49MUSDT6.56%5.98%0.15%
CredixSolana13.41MUSDC0%0.06%0.07%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum899.4M10.26%
Avalanche8296.7M2.81%
Base17148.7M6.85%
BSC13135.6M4.52%
Ethereum763.2B6.16%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon110.2M3.24%
Solana15551.1M8.6%
TON12.8M5.09%
zkSync Era000%