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
16/09/2026 11:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Harvest-financeBase1.85MUSDC0%38.99%130.59%
Gains-networkArbitrum4.68MUSDC0%15.21%38.63%
AccountableMonad1.14MUSDC0%12.25%29.39%
AccountableEthereum1.99MUSDC18.6%32.41%24.44%
AvantisBase10.02MUSDC0%8.95%21.02%
EnsuroEthereum1.14MUSDC0%21.54%19.23%
AccountableMonad7.50MUSDC0.88%17.33%16.35%
Neutral-tradeSolana2.17MUSDC0%12.71%15.48%
Neutral-tradeSolana2.22MUSDC0%22.12%14.64%
AccountableEthereum1.05MUSDC0.75%15.11%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum1.64MUSDC0%25.08%12.93%
Ember-protocolEthereum6.87MUSDC0%12.87%12.9%
AccountableEthereum13.85MUSDC0%12.06%12.51%
Midas-rwaEthereum26.37MUSDC0%5.02%11.87%
AccountableMonad5.04MUSDC0.4%12.1%11.64%
AccountableMonad74.98MUSDC0.25%12.24%11.4%
Pareto-creditEthereum11.01MUSDC0%10.59%10.59%
Ember-protocolSui1.34MUSDC0%9.82%10.09%
Ember-protocolSui7.92MUSDC0%10.11%10%
AguaEthereum5.10MUSDC0%10%10%
Neutral-tradeSolana1.17MUSDC0%9.76%9.9%
Ember-protocolEthereum10.29MUSDC0%9.64%9.88%
Ember-protocolEthereum3.33MUSDC0%9.52%9.43%
Pareto-creditEthereum2.18MUSDC0%9.38%9.38%
Ember-protocolEthereum17.35MUSDC0%8.72%8.17%
Bitway-earnBSC25.18MUSDT0%8%8%
Ember-protocolSui8.62MUSDC4%12%8%
Blend-pools-v2Stellar9.99MUSDC0%6.95%7.96%
Harvest-financeBase1.07MUSDC0%6.87%7.85%
Pareto-creditEthereum148.76MUSDC0%7.92%7.82%
Midas-rwaEthereum65.26MUSDC0%7.92%7.79%
Fusion-by-iporEthereum1.09MUSDC0%7.71%7.69%
Bitway-earnBSC6.60MUSDT0%7.36%7.5%
Midas-rwaEthereum7.70MUSDC0%7.86%7.35%
Fusion-by-iporBase1.07MUSDC0%6.34%7.33%
Midas-rwaEthereum6.73MUSDC0%7.42%7.27%
Midas-rwaEthereum67.34MUSDC0%7.13%7.13%
Harmonix-financeHyperliquid L120.35MUSDC0%6.82%7.05%
Neutral-tradeSolana3.37MUSDC0%4.69%7.04%
Yearn-financeEthereum6.08MUSDC0%6.7%7.02%
Zerobase-cedefiEthereum14.07MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.62MUSDT2%9%7%
Midas-rwaEthereum2.52MUSDC0%7.43%7%
LoopscaleSolana1.01MUSDC0.31%7.01%6.89%
AccountableMonad2.01MUSDC0.28%7.5%6.79%
Zerobase-cedefiBSC18.43MUSDT2%8.76%6.76%
Zerobase-cedefiBSC1.94MUSDC2%8.76%6.76%
Sentora-curatorEthereum74.25MUSDC0%6.57%6.63%
Pareto-creditEthereum22MUSDC0%6.98%6.62%
Kamino-lendSolana6.77MUSDC0%7.18%6.49%
Midas-rwaEthereum1.70MUSDC0%8.88%6.35%
Midas-rwaEthereum31.51MUSDC0%6.46%6.25%
Yearn-financeEthereum11.16MUSDC0%6.7%6.11%
Extra-finance-leverage-farmingBase3.77MUSDC0%6.63%6.1%
Fluid-lendingEthereum153.29MUSDC0%4.8%5.68%
Fluid-lendingEthereum3.72MUSDC0%4.8%5.68%
Fusion-by-iporEthereum2.39MUSDC0%5.97%5.59%
Midas-rwaEtherlink4.84MUSDC0%8.71%5.52%
Harvest-financeEthereum1.16MUSDC0%9.28%5.52%
SymbiosisEthereum1.38MUSDC0%5.01%5.51%
Fusion-by-iporEthereum1.28MUSDC0%6.36%5.49%
Fusion-by-iporBase1.20MUSDC3.5%7.63%5.44%
Alchemix-v3Ethereum7.76MUSDC0%5.26%5.44%
AutofinanceBase3.61MUSDC4.45%8.78%5.44%
Fluid-lendingBase9.05MUSDC0%4.93%5.4%
Benqi-lendingAvalanche1.76MUSDC0%4.9%5.36%
Aave-v3Avalanche4.80MUSDC0%3.98%5.34%
Aave-v4Ethereum1.63MUSDC0%4.26%5.33%
AutofinanceEthereum7.70MUSDC0.95%6.08%5.29%
Nawa-protocolZIGChain3.43MUSDC0%8.57%5.21%
Venus-core-poolBSC4.34MUSDC0%2.45%5.18%
Storm-tradeTON2.88MUSDT0%5.38%5.17%
Lista-lendingBSC2.11MUSDT0%7.27%5.17%
Hyperlend-pooledHyperliquid L120.46MUSDC0%5.59%5.01%
Yearn-financeBase1.71MUSDC0%5.02%4.99%
AccountableEthereum3.15MUSDC0%11%4.95%
Native-credit-poolEthereum1.13MUSDC0%4.86%4.93%
Centrifuge-protocolMonad4.55MUSDC0%3.15%4.89%
Centrifuge-protocolAvalanche262.33MUSDC0%5.15%4.85%
Centrifuge-protocolBase52.59MUSDC0%5.16%4.85%
Centrifuge-protocolEthereum9.29MUSDC0%5.2%4.85%
AmpleBase4.39MUSDC0%4.06%4.64%
MapleEthereum848.30MUSDT0%4.55%4.61%
Fluid-lendingArbitrum61.42MUSDC0%4.21%4.54%
Flux-financeEthereum1.89MUSDT0%4.44%4.47%
DolomiteArbitrum1.26MUSDC0%4.4%4.46%
Navi-lendingSui9.61MUSDC0.38%5.49%4.44%
Yearn-financeBase1.01MUSDC0%4.41%4.42%
Yearn-financeBase1.01MUSDC0%4.41%4.42%
ExactlyOP Mainnet1.62MUSDC0%4.38%4.39%
Kamino-lendSolana3.47MUSDC0%5.57%4.39%
Kamino-lendSolana3.69MUSDC0%5.63%4.37%
AccountableMonad7.42MUSDC0.5%6.43%4.37%
ExactlyOP Mainnet1.62MUSDC0%4.32%4.33%
ExactlyOP Mainnet1.62MUSDC0%4.29%4.33%
ExactlyOP Mainnet1.62MUSDC0%4.23%4.28%
ExactlyOP Mainnet1.62MUSDC0%4.11%4.19%
Yo-protocolBase8.48MUSDC0%4.11%4.19%
Yo-protocolEthereum1.35MUSDC0%4.11%4.19%
ExactlyOP Mainnet1.62MUSDC0%4.2%4.19%
Flux-financeEthereum1.57MUSDC0%3.77%4.15%
ExactlyOP Mainnet1.62MUSDC0%3.98%4.14%
Euler-v2Monad5.81MUSDC1.56%8.44%4.13%
Ember-protocolEthereum2.04MUSDC2%3.96%4.09%
Aave-v3Monad13.96MUSDC1.94%5.66%4.08%
CurvanceMonad3.07MUSDC2.24%5.44%4.07%
Fluid-lendingEthereum130.84MUSDT0%4.84%4.04%
Aave-v3Avalanche2.50MUSDT0%4.02%4.02%
Yearn-financeEthereum2.39MUSDC0%3.81%4.01%
Midas-rwaEthereum72.55MUSDC0%3.35%3.96%
Midas-rwaEtherlink1.22MUSDC0%3.35%3.96%
ExactlyOP Mainnet1.62MUSDC0%3.94%3.93%
Kamino-lendSolana19.31MUSDC0%4.86%3.8%
Kamino-lendSolana1.82MUSDC0%4.81%3.8%
Midas-rwaEthereum3.49MUSDC0%3.78%3.78%
Yearn-financeEthereum20.93MUSDC0%3.62%3.71%
Aave-v4Ethereum1.03MUSDC0%4.84%3.68%
Aave-v3Base21.96MUSDC0%3.54%3.63%
Spark-savingsEthereum316.10MUSDC0%3.55%3.6%
Spark-savingsAvalanche9.42MUSDC0%3.55%3.6%
Aave-v3Ethereum188.63MUSDC0%3.9%3.57%
Aave-v3Ethereum58.26MUSDC1.67%5.44%3.57%
Jupiter-lendSolana17.41MUSDT0%3.99%3.57%
TydroInk14.09MUSDC0%3.56%3.57%
Yearn-financeEthereum1.11MUSDC0%3.75%3.56%
ExactlyOP Mainnet1.62MUSDC0%0.26%3.55%
SparklendEthereum2.08MUSDC0%3.51%3.54%
SaveSolana4.66MUSDC0%2.77%3.54%
Spark-savingsEthereum392.37MUSDT0%3.24%3.5%
SparklendEthereum15.57MUSDT0%3.15%3.4%
Aave-v3BSC1.63MUSDC0%3.04%3.38%
Lista-lendingBSC2.43MUSDT0%2.6%3.38%
DolomiteEthereum28.90MUSDC4.22%7.4%3.34%
Jupiter-lendSolana489.17MUSDC0.37%4.87%3.32%
Native-credit-poolEthereum1.51MUSDT0%3.26%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Yearn-financeEthereum5.77MUSDT0%3.18%3.28%
Compound-v3Ethereum38.02MUSDC0%4.76%3.23%
Aave-v3Ethereum1.16MUSDC0%2.74%3.18%
Compound-v3Ethereum22.43MUSDT0%3.09%3.15%
Yearn-financeEthereum7.44MDAI0%3.26%3.14%
Native-credit-poolBSC1.41MUSDT0%3.11%3.14%
Aave-v3Polygon10.75MUSDC0%2.86%3.12%
Aave-v4Ethereum1.87MUSDT0%3.41%3.12%
Aave-v3Ethereum449.35MUSDT0%3.37%3.1%
Aave-v3Ethereum70.37MUSDT1.45%4.81%3.1%
Aave-v3Ethereum17.42MDAI0%2.88%3.07%
Benqi-lendingAvalanche1.24MUSDT0%3.77%3.01%
Centrifuge-protocolPharos4.40MUSDC0%3.35%2.89%
Kamino-lendSolana2.80MUSDT0%4.21%2.88%
Aave-v3OP Mainnet1.65MUSDC0%2.48%2.87%
Venus-core-poolBSC57.34MUSDT0%2.54%2.87%
Compound-v3Arbitrum3.07MUSDC0%2.81%2.85%
Aave-v3BSC12.81MUSDT0%2.51%2.74%
Aave-v3Arbitrum33.67MUSDC0%2.52%2.67%
Midas-rwaEthereum6.43MUSDC0%6.31%2.63%
Midas-rwaEtherlink1.12MUSDC0%6.3%2.63%
Compound-v3Arbitrum4.40MUSDT0%2.59%2.52%
Echelon-marketAptos1.12MUSDC1.46%3.26%2.47%
SparklendEthereum99.97MDAI0%2.31%2.46%
Centrifuge-protocolEthereum1.97MUSDT0%2.52%2.4%
Venus-fluxBSC2MUSDT0%2.56%2.4%
Justlend-v1Tron76.60MUSDT0%2.33%2.26%
Gami-labsBase3.03MUSDC0%1.97%2.11%
Spectra-metavaultsBase3.03MUSDC0%1.98%2.11%
Aave-v4Ethereum1.41MUSDC0%1.84%2.05%
Scallop-lendSui1.04MUSDC0%2.47%2.01%
Aave-v3Arbitrum1.08MDAI0%1.95%1.97%
CurrentSui14.82MUSDC5.82%9.23%1.96%
SaveSolana2.32MUSDT0%1.68%1.96%
Aave-v3Sonic1.15MUSDC0%1.85%1.84%
Lista-lendingBSC2.12MUSDT0%1.98%1.82%
Aave-v4Avalanche1.68MUSDC3.3%4.62%1.82%
Centrifuge-protocolEthereum1.87MUSDC0%2.64%1.8%
Kamino-lendSolana2.69MUSDC0%0.74%1.65%
Euler-v2Ethereum1.20MUSDC0%4.67%1.02%
ExactlyOP Mainnet1.62MUSDC0%0.92%0.96%
Lista-lendingEthereum5.17MUSDC5.42%7.17%0.94%
Zest-v2Stacks10.14MUSDC0%0.68%0.83%
TectonicCronos1.18MUSDC0.03%0.31%0.63%
Lista-lendingEthereum3.36MUSDT5.56%5.95%0.53%
AcrossEthereum1.58MUSDT1.29%1.43%0.33%
Aave-v4Avalanche3.23MUSDT6.58%5%0.13%
AcrossEthereum1.10MUSDC4.28%4.31%0.11%
CredixSolana13.41MUSDC0%0.05%0.07%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum8117.2M8.08%
Avalanche8287M3.52%
Base18139.4M12.86%
BSC13138.4M4.55%
Ethereum783.6B5.73%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon110.8M3.12%
Solana17577.5M5.52%
TON12.9M5.17%
zkSync Era000%