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
22/03/2026 18:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Fluid-lendingArbitrum31.54MUSDC1.18%4.52%38.42%
Venus-fluxBSC13.23MUSDC9.19%5.89%35.92%
Venus-fluxBSC24.94MUSDT15.86%5.89%35.89%
Fluid-lendingBase11.18MUSDC2.3%4.05%28.08%
Yearn-financeEthereum1.68MUSDC0%4.83%19.11%
Bracket-vaultsEthereum3.29MUSDC0%13.12%12.44%
BitwayBSC14.87MUSDT0%12%12%
AvantisBase78.09MUSDC0%10.04%10.63%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
Blend-pools-v2Stellar8.61MUSDC0%9.52%9.65%
Euler-v2Avalanche4.02MUSDC0%6.29%9.56%
Lazy-summer-protocolEthereum4.65MUSDC0.55%3.93%9.11%
AbyssSui1.81MUSDC0%9.19%8.51%
Zerobase-cedefiBSC24.16MUSDT2%9.76%7.76%
Euler-v2Arbitrum2.34MUSDC0%2.94%7.73%
SymbiosisTron1.17MUSDT0%4.31%7.28%
Zerobase-cedefiEthereum14.07MUSDT2%9%7%
Zerobase-cedefiBSC1.47MUSDC2%9%7%
Zerobase-cedefiArbitrum7.95MUSDT2%9%7%
LoopscaleSolana1.71MUSDC1.25%7.64%6.64%
Spectra-metavaultsBase2.90MUSDC1.13%5.75%6.54%
Fluid-lendingEthereum197.66MUSDC1.18%3.63%6.11%
Fluid-lendingEthereum4.53MUSDC0%2.43%6.11%
Yearn-financeEthereum1.27MUSDC0%6.2%6.1%
Extra-finance-leverage-farmingBase4.10MUSDC0%5.35%5.93%
Yearn-financeEthereum2.22MUSDC0%4.89%5.73%
Gains-networkBase2.40MUSDC0%6.17%5.63%
SymbiosisEthereum1.41MUSDC0%4.13%5.53%
Fusion-by-iporEthereum3.64MUSDT0%6.77%5.33%
Gains-networkArbitrum11.15MUSDC0%8.36%5.28%
Yo-protocolEthereum12.25MUSDC12%17.05%5.1%
Yo-protocolBase31.17MUSDC12%18.74%5.1%
Harvest-financeBase2.08MUSDC0%5.35%5.07%
AutofinanceEthereum12.05MUSDC0.36%5.96%5%
Benqi-lendingAvalanche1.13MUSDT0%4.6%4.96%
Benqi-lendingAvalanche1.13MUSDT0%4.6%4.96%
DolomiteEthereum9.44MUSDC0%4.62%4.83%
Woofi-earnArbitrum1.20MUSDC0%6.24%4.74%
LoopscaleSolana4.05MUSDC0%3.94%4.7%
Flux-financeEthereum1.73MUSDT0%4.56%4.55%
Hyperlend-pooledHyperliquid L121.41MUSDC0%4.21%4.44%
ExactlyOptimism1.74MUSDC0%4.18%4.21%
ExactlyOptimism1.74MUSDC0%4.16%4.19%
Scallop-lendSui2.22MUSDC0%4.48%4.14%
SparklendEthereum1.87MUSDC0%3.45%4.14%
ExactlyOptimism1.74MUSDC0%4.09%4.13%
AutofinanceBase12.25MUSDC1.39%5.8%4.12%
Yearn-financeEthereum7.62MUSDT0%3.49%4.05%
WasabiBase4.93MUSDC0%4.47%4.03%
ExactlyOptimism1.74MUSDC0%3.99%4.02%
ExactlyOptimism1.74MUSDC0%3.85%3.92%
ExactlyOptimism1.74MUSDC0%3.92%3.92%
MapleEthereum1.97BUSDT0%4.18%3.85%
Euler-v2Ethereum36.48MUSDC0%4.15%3.82%
Spark-savingsAvalanche110.69MUSDC0%3.86%3.75%
Spark-savingsEthereum392.12MUSDC0%3.86%3.75%
Flux-financeEthereum2.52MUSDC0%4.17%3.74%
ExactlyOptimism1.74MUSDC0%2.11%3.7%
NeverlandMonad13.73MUSDC4.83%10.26%3.7%
ExactlyOptimism1.74MUSDC0%2%3.69%
ExactlyOptimism1.74MUSDC0%3.79%3.67%
Folks-finance-xchainPolygon1.89MUSDT0%3.57%3.66%
Fluid-lendingEthereum117MUSDT2%4.02%3.63%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum554.2M12.63%
Avalanche4117M5.81%
Base9149.1M8.35%
BSC578.7M19.71%
Ethereum222.8B6.32%
Hyperliquid000%
Mantle000%
Optimism915.7M3.94%
Polygon11.9M3.66%
Solana25.8M5.67%
TON000%
zkSync Era000%