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 3.62% on Mar 19 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
23/03/2026 19:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Fluid-lendingArbitrum27.97MUSDC1.28%4.9%13.79%
Venus-fluxBSC10.46MUSDC11.63%7.95%13.55%
Bracket-vaultsEthereum3.29MUSDC0%13.08%12.4%
BitwayBSC14.87MUSDT0%12%12%
AvantisBase77.19MUSDC0%10.04%10.77%
Fluid-lendingBase7.99MUSDC3.08%4.73%10.06%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
Blend-pools-v2Stellar8.66MUSDC0%9.44%9.64%
AbyssSui1.88MUSDC0%9.13%8.36%
Zerobase-cedefiBSC24.04MUSDT2%9.76%7.76%
SymbiosisTron1.44MUSDT0%4.41%7.28%
Yo-protocolBase29.37MUSDC12%18.69%7.14%
Yo-protocolEthereum12.14MUSDC12%17.12%7.14%
Zerobase-cedefiArbitrum7.95MUSDT2%9%7%
Zerobase-cedefiEthereum14.07MUSDT2%9%7%
Zerobase-cedefiBSC1.38MUSDC2%9%7%
Gains-networkArbitrum11.15MUSDC0%8.27%6.85%
LoopscaleSolana2.06MUSDC1.23%7.65%6.56%
Euler-v2Arbitrum2.57MUSDC0%2.98%6.39%
AccountableMonad2.04MUSDC2.45%9.7%6.31%
Euler-v2Avalanche4MUSDC0%6.31%6.29%
Yearn-financeEthereum1.38MUSDC0%6.17%6.07%
Fluid-lendingEthereum102.89MUSDT2.17%4.17%6.04%
Gains-networkBase2.40MUSDC0%6.21%6.02%
Yearn-financeEthereum2.22MUSDC0%4.92%5.88%
Fusion-by-iporEthereum3.64MUSDT0%6.8%5.71%
DeltaprimeAvalanche1.10MUSDC0%5.63%5.61%
DeltaprimeAvalanche1.10MUSDC0%5.63%5.61%
Spectra-metavaultsBase2.90MUSDC1.15%5.92%5.54%
SymbiosisEthereum1.35MUSDC0%4.17%5.53%
Harvest-financeBase2.01MUSDC0%5.32%5.33%
AutofinanceEthereum10.84MUSDC0.43%5.91%5.07%
Woofi-earnArbitrum1.15MUSDC0%6.16%4.74%
LoopscaleSolana3.91MUSDC0%3.99%4.69%
Fluid-lendingEthereum192.49MUSDC1.16%3.81%4.62%
Fluid-lendingEthereum4.54MUSDC0%2.64%4.62%
Extra-finance-leverage-farmingBase4.55MUSDC0%5.36%4.61%
Flux-financeEthereum1.73MUSDT0%4.56%4.55%
DolomiteEthereum10.35MUSDC0%4.64%4.5%
Scallop-lendSui2.14MUSDC0%4.45%4.24%
ExactlyOptimism1.72MUSDC0%4.19%4.22%
Yearn-financeEthereum7.10MUSDT0%3.52%4.2%
AutofinanceBase8.47MUSDC1.98%5.79%4.2%
ExactlyOptimism1.72MUSDC0%4.16%4.19%
Hyperlend-pooledHyperliquid L123.12MUSDC0%4.16%4.19%
SparklendEthereum1.87MUSDC0%3.49%4.14%
ExactlyOptimism1.72MUSDC0%4.09%4.13%
WasabiBase4.96MUSDC0%4.43%4.1%
ExactlyOptimism1.72MUSDC0%3.99%4.02%
ExactlyOptimism1.72MUSDC0%3.86%3.92%
ExactlyOptimism1.72MUSDC0%3.92%3.92%
MapleEthereum1.97BUSDT0%4.17%3.84%
Euler-v2Ethereum36.48MUSDC0%4.13%3.82%
Navi-lendingSui12.16MUSDC0.53%4.7%3.78%
Spark-savingsAvalanche110.30MUSDC0%3.85%3.75%
Spark-savingsEthereum377.60MUSDC0%3.85%3.75%
Flux-financeEthereum2.50MUSDC0%4.16%3.75%
ExactlyOptimism1.72MUSDC0%2.14%3.7%
ExactlyOptimism1.72MUSDC0%2.12%3.7%
ExactlyOptimism1.72MUSDC0%3.78%3.68%
NeverlandMonad13.87MUSDC5.01%10.11%3.65%
Folks-finance-xchainPolygon1.89MUSDT0%3.57%3.62%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum550.8M7.76%
Avalanche4116.5M5.31%
Base9139.9M6.42%
BSC450.8M10.08%
Ethereum202.8B5.63%
Hyperliquid000%
Mantle000%
Optimism915.5M3.94%
Polygon11.9M3.62%
Solana26M5.62%
TON000%
zkSync Era000%