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 3.61% on Feb 12 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
14/02/2026 21:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bracket-vaultsEthereum3.30MUSDC0%14.92%14.11%
AvantisBase88.39MUSDC0%11.31%12.97%
Blend-pools-v2Stellar1.62MUSDC0.75%13.74%11.56%
Blend-pools-v2Stellar6.91MUSDC0%11.36%10.62%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
Harvest-financeBase3.18MUSDC0%6.22%7.87%
Ipor-fusionEthereum3.92MUSDT0%7.3%7.71%
Woofi-earnArbitrum1.20MUSDC0%7.09%7.04%
AutofinanceEthereum19.02MUSDC0.32%8.76%6.97%
DeltaprimeAvalanche1.33MUSDC0%6.65%6.33%
LoopscaleSolana3.40MUSDC0.78%7.74%5.87%
Harmonix-financeArbitrum1.18MUSDC0%5.35%5.65%
WasabiSolana1.73MUSDC0%7.92%5.61%
Euler-v2Avalanche1.70MUSDC0%8.19%5.44%
NeverlandMonad1.83MUSDC11.52%13.46%5.44%
Yearn-financeEthereum1.36MUSDC0%5.45%5.4%
Yo-protocolBase29.43MUSDC14%14.62%5.31%
Hyperlend-pooledHyperliquid L114.34MUSDC0%5.9%5.3%
Echelon-marketAptos7.04MUSDC0%4.85%5.23%
Scallop-lendSui1.79MUSDC0%5.53%5.21%
Euler-v2Ethereum40.55MUSDC0%4.88%5.18%
SymbiosisEthereum1.32MUSDC0%6.04%5.14%
SymbiosisTron1.27MUSDT0%4.87%5.06%
LoopscaleSolana1.30MUSDC1.97%7.88%5.06%
Gains-networkArbitrum12.79MUSDC0%10.61%4.91%
AutofinanceBase17.99MUSDC1.58%7.34%4.85%
Ipor-fusionBase1.70MUSDC0%7.12%4.83%
Silo-v2Avalanche1.56MUSDC0%8.08%4.81%
WasabiBase7.59MUSDC0%6.79%4.8%
VesperEthereum2.56MUSDC0%4.58%4.64%
Flux-financeEthereum1.61MUSDT0%4.61%4.63%
Ipor-fusionBase1.06MUSDC0%4.47%4.62%
Ipor-fusionBase1.06MUSDC0%4.47%4.62%
Yearn-financeEthereum7.33MUSDT0%4.64%4.51%
Gains-networkBase2.11MUSDC0%9.99%4.46%
Navi-lendingSui8.83MUSDC0.85%5.26%4.37%
ExactlyOptimism1.73MUSDC0%4.39%4.37%
LiqwidCardano2.71MUSDC1.58%11.68%4.34%
DolomiteEthereum11.22MUSDC0%4.5%4.34%
Euler-v2Arbitrum1.07MUSDC0%6.45%4.26%
ExactlyOptimism1.73MUSDC0%4.22%4.24%
ExactlyOptimism1.73MUSDC0%4.21%4.24%
Flux-financeEthereum1.44MUSDC0%4.16%4.19%
ExactlyOptimism1.73MUSDC0%3.74%4.14%
Yearn-financeEthereum7.56MUSDT0%4.33%4.11%
Echelon-marketAptos1.45MUSDT0%3.29%4.11%
ExactlyOptimism1.73MUSDC0%4.04%4.1%
Extra-finance-leverage-farmingBase4.40MUSDC0%5.54%4.1%
ExactlyOptimism1.73MUSDC0%3.97%4.03%
MapleEthereum1.35BUSDT0%4.62%4.03%
Folks-finance-lendingAlgorand1.79MUSDC0%4.24%4.02%
AutofinanceArbitrum1.34MUSDC1.81%6.44%4.02%
Spark-savingsAvalanche134.57MUSDC0%4%4%
Spark-savingsEthereum216.80MUSDC0%4%4%
Euler-v2Ethereum34.17MUSDC0%4.67%3.99%
ExactlyOptimism1.73MUSDC0%3.83%3.93%
ExactlyOptimism1.73MUSDC0%3.88%3.9%
Folks-finance-xchainPolygon2.29MUSDT0%5.04%3.88%
Yearn-financeEthereum33.19MUSDC0%4.65%3.87%
ExactlyOptimism1.73MUSDC0%3%3.82%
SparklendEthereum8.14MUSDC0%3.63%3.78%
Yearn-financeEthereum12.70MDAI0%4.48%3.71%
Aave-v3Base57.95MUSDC0%3.79%3.7%
Yearn-financeEthereum1.11MUSDC0%4.3%3.69%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum517.6M5.18%
Avalanche4139.2M5.15%
Base11214.9M5.65%
BSC000%
Ethereum201.8B5.4%
Hyperliquid000%
Mantle000%
Optimism915.6M4.08%
Polygon12.3M3.88%
Solana36.4M5.51%
TON000%
zkSync Era000%