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 3.60% on Apr 09 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
11/04/2026 19:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bracket-vaultsEthereum2.71MUSDC0%12.27%11.8%
BitwayBSC13.20MUSDT0%11.8%11%
Spectra-metavaultsBase5.13MUSDC2.95%95%10.6%
AvantisBase62.06MUSDC0%9.32%10.53%
AbyssSui1.90MUSDC0%8.61%10.33%
GoldfinchEthereum37.25MUSDC0%10.02%10.06%
AutofinanceArbitrum1.79MUSDC1.99%6.69%9.93%
Blend-pools-v2Stellar10.09MUSDC0%9.3%9.08%
SymbiosisTron1.71MUSDT0%6%8.67%
LoopscaleSolana1.18MUSDC1.24%8.23%7.75%
Gains-networkArbitrum8.93MUSDC0%6.49%7.36%
Zerobase-cedefiEthereum14.44MUSDT2%9%7%
Zerobase-cedefiArbitrum7.94MUSDT2%9%7%
SymbiosisEthereum1.17MUSDC0%5.6%6.9%
Zerobase-cedefiBSC23.85MUSDT2%9.35%6.76%
Zerobase-cedefiBSC1.18MUSDC2%8.9%6.76%
Wasabi-perpsSolana1.29MUSDC0%5.07%6.66%
AccountableMonad2.13MUSDC3.59%9.61%6.31%
Project-0Solana1.43MUSDC0%3.92%6.23%
AutofinanceEthereum8.48MUSDC0.65%5.33%5.8%
Harvest-financeBase2.02MUSDC0%6.01%5.57%
Yearn-financeEthereum1.67MUSDC0%5%5.49%
Extra-finance-leverage-farmingBase4.33MUSDC0%5.1%5.2%
Euler-v2Monad1.79MUSDC0%0.96%5.04%
LoopscaleSolana1.56MUSDC0%4.9%5.03%
DeltaprimeAvalanche1.19MUSDC0%5.44%4.87%
AutofinanceEthereum8.75MUSDC0%3.95%4.78%
Scallop-lendSui1.68MUSDC0%4.6%4.77%
Woofi-earnArbitrum1.14MUSDC0%4.74%4.74%
Flux-financeEthereum1.59MUSDT0%4.57%4.66%
AutofinanceBase6.79MUSDC3.1%6.17%4.64%
Hyperlend-pooledHyperliquid L113.18MUSDC0%3.96%4.54%
Yo-protocolEthereum11.04MUSDC12%14.02%4.46%
Yo-protocolBase27.70MUSDC12%14.13%4.46%
Lazy-summer-protocolEthereum4.53MUSDC0.49%4.03%4.42%
DolomiteEthereum11.95MUSDC0%5.8%4.36%
Wasabi-perpsBase3.60MUSDC0%4.08%4.25%
Yearn-financeEthereum3.71MUSDC0%4.36%4.22%
Benqi-lendingAvalanche5.23MUSDC0%3.92%4.2%
SparklendEthereum1.92MUSDC0%4.12%4.14%
ExactlyOptimism1.61MUSDC0%3.64%3.97%
Folks-finance-xchainPolygon1.68MUSDT0%3.61%3.94%
ExactlyOptimism1.61MUSDC0%4.23%3.94%
Yearn-financeEthereum8.79MDAI0%2.81%3.87%
LiqwidCardano1.11MUSDC0%3.41%3.86%
LiqwidCardano1.11MUSDC0%3.41%3.86%
Storm-tradeTon3.86MUSDT0%3.75%3.82%
Euler-v2Ethereum28.16MUSDC0%3.48%3.81%
Euler-v2Avalanche2.02MUSDC0%6.8%3.8%
Navi-lendingSui12.18MUSDC0.51%4.43%3.8%
Flux-financeEthereum2.43MUSDC0%3.88%3.77%
Spark-savingsAvalanche67.50MUSDC0%3.75%3.75%
Spark-savingsEthereum406.60MUSDC0%3.75%3.75%
Folks-finance-lendingAlgorand1.96MUSDC0%3.43%3.73%
Benqi-lendingAvalanche2.29MUSDT0%4.58%3.71%
ExactlyOptimism1.61MUSDC0%3.16%3.7%
NeverlandMonad17.58MUSDC4.31%8.49%3.69%
Fluid-lendingArbitrum31.06MUSDC1.03%5.84%3.65%
ExactlyOptimism1.61MUSDC0%1.13%3.65%
MapleEthereum1.97BUSDT0%3.84%3.65%
Fluid-lendingEthereum127.08MUSDT1.57%4.78%3.64%
ExactlyOptimism1.61MUSDC0%4%3.62%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum550.9M6.54%
Avalanche578.2M4.07%
Base7111.6M6.46%
BSC338.2M8.17%
Ethereum192.6B5.29%
Hyperliquid000%
Mantle000%
Optimism58M3.77%
Polygon11.7M3.94%
Solana45.5M6.42%
TON13.9M3.82%
zkSync Era000%