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 3.71% on Jul 17 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
21/07/2026 20:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableMonad5.02MUSDC0.73%40.4%31.41%
Ember-protocolEthereum8.31MUSDC0%12.87%21.01%
AccountableMonad80.58MUSDC0.23%13.48%17.6%
AzuroPolygon1.28MUSDT0%7.87%15.08%
Ember-protocolEthereum3.30MUSDC0%9.07%14.76%
AccountableEthereum1.05MUSDC0%14.25%14.25%
AccountableEthereum1.05MUSDC0%14.25%14.25%
Harvest-financeBase1.87MUSDC0%13.27%13.65%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum16.92MUSDC0%8.27%13.14%
AccountableEthereum2.15MUSDC0%10.78%11.66%
Ember-protocolSui1.09MUSDC0%9.77%11.27%
Pareto-creditEthereum15.17MUSDC0%10.59%10.59%
Midas-rwaEthereum48.06MUSDC0%10.56%10.57%
Midas-rwaMonad1.86MUSDC0%10.56%10.57%
Midas-rwaEthereum67.88MUSDC0%12.16%10.32%
AccountableMonad5.22MUSDC0.5%10.48%10%
GoldfinchEthereum36.72MUSDC0%10.09%10%
AccountableMonad10.06MUSDC0.48%9.73%9.85%
Pareto-creditEthereum2.13MUSDC0%9.38%9.38%
Bracket-vaultsEthereum2.65MUSDC0%9.56%9.31%
Midas-rwaEthereum7.58MUSDC0%8.83%9.17%
Blend-pools-v2Stellar10.74MUSDC0%7.17%8.95%
AvantisBase21.51MUSDC0%9.64%8.63%
Ember-protocolSui1.35MUSDC0%8.27%8.61%
Midas-rwaEthereum6.65MUSDC0%7.84%8.37%
Midas-rwaEthereum2.50MUSDC0%7.83%8.37%
Pareto-creditEthereum161.15MUSDC0%8.31%8.31%
Harmonix-financeHyperliquid L120.59MUSDC0%8.89%8.22%
Bitway-earnBSC23.40MUSDT0%8.61%8%
Ember-protocolSui6.98MUSDC4%12%8%
Ember-protocolSui3.88MUSDC0%8.9%7.92%
Midas-rwaEthereum4.54MUSDC0%6.48%7.82%
Midas-rwaEthereum1.98MUSDC0%10.29%7.76%
Ember-protocolSui1.21MUSDC0%9.93%7.75%
Euler-v2Monad2.10MUSDC2.63%6.49%7.64%
Midas-rwaEtherlink4.75MUSDC0%7.59%7.63%
Kamino-lendSolana3.03MUSDC0%7.02%7.28%
Yearn-financeEthereum6.17MUSDC0%6.1%7.2%
Pareto-creditEthereum21.81MUSDC0%7.13%7.13%
AccountableMonad1.83MUSDC0.5%7.38%7.03%
Gami-labsStellar16.94MUSDC0%7%7%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
Zerobase-cedefiBSC21.49MUSDT2%8.76%6.76%
Zerobase-cedefiBSC1.98MUSDC2%8.76%6.76%
AutofinanceEthereum8.71MUSDC0.43%6.63%6.53%
Extra-finance-leverage-farmingBase3.46MUSDC0%6.29%6.53%
LoopscaleSolana3.23MUSDC0.22%7.67%6.44%
Gains-networkArbitrum6.57MUSDC0%5.73%6.36%
YieldseekerBase1.95MUSDC0%8.32%6.27%
Yearn-financeEthereum1.19MUSDC0%4.82%5.96%
Harvest-financeEthereum1.17MUSDC0%7.77%5.92%
AccountableEthereum3.96MUSDC10.22%16%5.92%
Compound-v3Ethereum30.83MUSDC0.1%3.36%5.91%
Hyperlend-pooledHyperliquid L112.27MUSDC0%6.91%5.81%
Storm-tradeTON3.59MUSDT0%5.89%5.75%
Ember-protocolSui1.09MUSDC6.64%11.57%5.66%
AutofinanceBase5.77MUSDC2.28%7.23%5.48%
Fusion-by-iporEthereum2.70MUSDC0%6.22%5.38%
Yearn-financeEthereum9.17MUSDC0%5.99%5.31%
Ember-protocolSui5.75MUSDC0%5.88%5.22%
Native-credit-poolBSC5.01MUSDT0%3.92%5.19%
Centrifuge-protocolPlume Mainnet33.01MUSDC0%4.97%5.15%
Centrifuge-protocolMonad10.05MUSDC0%5.14%5.15%
Fluid-lendingEthereum141.56MUSDC0%5.96%5.13%
Fluid-lendingEthereum9.08MUSDC0%5.66%5.13%
LoopscaleSolana1.31MUSDC0%5.98%5.07%
Yearn-financeBase1.77MUSDC0%4.95%4.98%
Native-credit-poolEthereum5.97MUSDC0%3.67%4.95%
Fluid-lendingArbitrum35.76MUSDC0%5.73%4.89%
Navi-lendingSui7.46MUSDC0.44%5.72%4.87%
Fluid-lendingBase8.67MUSDC0%5.44%4.82%
AmpleBase4.31MUSDC0%4.37%4.79%
Fluid-lendingEthereum138.05MUSDT0%5.54%4.51%
SymbiosisTron1.91MUSDT0%6.1%4.49%
Flux-financeEthereum2.05MUSDT0%4.45%4.41%
Lista-lendingBSC2.11MUSDT0.48%6.51%4.39%
Lista-lendingBSC6.13MUSDT0%4.76%4.34%
ExactlyOP Mainnet1.77MUSDC0%4.22%4.33%
MapleEthereum0.91BUSDT0%4.07%4.28%
Kamino-lendSolana7.71MUSDC0%4.74%4.26%
ExactlyOP Mainnet1.77MUSDC0%4.19%4.26%
ExactlyOP Mainnet1.77MUSDC0%4.14%4.24%
Native-credit-poolEthereum1.98MUSDT0%3.16%4.21%
ExactlyOP Mainnet1.77MUSDC0%4.05%4.19%
TermmaxBase1.20MUSDC0%3.88%4.17%
ExactlyOP Mainnet1.77MUSDC0%4.1%4.17%
Yo-protocolBase10.04MUSDC0%4.12%4.12%
Yo-protocolEthereum2.38MUSDC0%4.12%4.12%
ExactlyOP Mainnet1.77MUSDC0%3.88%4.09%
ExactlyOP Mainnet1.77MUSDC0%3.99%4.05%
TermmaxEthereum4.39MUSDC0%3.41%4.03%
Jupiter-lendSolana426.38MUSDC0.71%4.81%3.99%
ExactlyOP Mainnet1.77MUSDC0%3.63%3.99%
Euler-v2Ethereum8.34MUSDC0%3.36%3.91%
Aave-v3Avalanche5.45MUSDC0%3.39%3.89%
Benqi-lendingAvalanche4.52MUSDC0%3.78%3.84%
Centrifuge-protocolEthereum5.74MUSDC0%3.53%3.84%
Centrifuge-protocolBase2.23MUSDC0%3.54%3.84%
Centrifuge-protocolAvalanche260.37MUSDC0%3.53%3.84%
Centrifuge-protocolBase50.21MUSDC0%3.53%3.84%
Ember-protocolSui1.19MUSDC0%3.14%3.82%
ExactlyOP Mainnet1.77MUSDC0%3.95%3.8%
Flux-financeEthereum2.59MUSDC0%3.72%3.72%
Moonwell-lendingBase2.89MUSDC0.34%5.06%3.72%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum350M6.08%
Avalanche3270.3M3.86%
Base13115.9M5.76%
BSC660.1M5.9%
Ethereum401.7B7.84%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.3M15.08%
Solana5441.7M5.41%
TON13.6M5.75%
zkSync Era000%