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 Apr 16 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
20/04/2026 00:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Euler-v2Avalanche1.53MUSDC0%7.2%47.97%
Aave-v3Ethereum4.13MDAI0%2.55%18.58%
Moonwell-lendingBase1.09MUSDC1.51%3.99%18.26%
Fluid-lendingArbitrum28.35MUSDC1.08%6.35%14.25%
Venus-fluxBSC39.02MUSDT10.13%9.27%13.55%
Fluid-lendingBase8.62MUSDC2.45%6.92%13.02%
Canto-lendingCanto1.35MUSDC0%12.79%12.82%
Fluid-lendingEthereum117.13MUSDT1.64%5.16%12.27%
AvantisBase56.74MUSDC0%9.71%12.22%
Fusion-by-iporEthereum1.32MUSDC0%1.93%11.74%
Bracket-vaultsEthereum2.70MUSDC0%12%11.49%
BitwayBSC13.39MUSDT0%11.55%11%
Kamino-lendSolana6.70MUSDC0%2.38%10.73%
AutofinanceArbitrum1.90MUSDC1.97%8.27%10.4%
Aave-v3Base6.41MUSDC0%2.7%10.25%
GoldfinchEthereum37.25MUSDC0%10.04%10.06%
Blend-pools-v2Stellar10.12MUSDC0%9.33%8.91%
SymbiosisEthereum1.26MUSDC0%6.4%8.11%
Benqi-lendingAvalanche2.07MUSDC0%4.27%7.67%
LoopscaleSolana2.30MUSDC0.59%8.39%7.35%
Zerobase-cedefiArbitrum7.94MUSDT2%9%7%
Harvest-financeEthereum1.08MUSDC0%1.7%7%
Harvest-financeEthereum1.08MUSDC0%1.7%7%
Zerobase-cedefiEthereum14.45MUSDT2%9%7%
Storm-tradeTON3.96MUSDT0%5.22%7%
Harvest-financeBase2.02MUSDC0%6.21%6.93%
Zerobase-cedefiBSC1.37MUSDC2%8.84%6.76%
Zerobase-cedefiBSC23.44MUSDT2%9.08%6.76%
Spectra-metavaultsBase2.31MUSDC6.57%93.6%6.73%
AutofinanceEthereum9.62MUSDC0.55%5.79%6.46%
Project-0Solana1.39MUSDC0%4.99%6.37%
Yo-protocolBase22.89MUSDC12%14.11%6.36%
Yo-protocolEthereum3.96MUSDC12%14.11%6.36%
Extra-finance-leverage-farmingBase3.75MUSDC0%5.1%6.14%
TermmaxBase1.24MUSDC0%3.99%6%
Gains-networkArbitrum8.44MUSDC0%6.41%5.96%
Yearn-financeEthereum2.43MUSDC0%5.34%5.92%
LoopscaleSolana1.67MUSDC0%5.15%5.34%
Fluid-lendingEthereum4.83MUSDC0%3.44%5.28%
Fluid-lendingEthereum168.55MUSDC1.14%4.42%5.28%
DeltaprimeAvalanche1.17MUSDC0%5.26%5.06%
Lazy-summer-protocolBase2.35MUSDC0.66%3.6%5.02%
AutofinanceBase5.93MUSDC3.51%6.88%4.89%
AutofinanceEthereum8.76MUSDC0%4.37%4.73%
Scallop-lendSui1.72MUSDC0%4.74%4.69%
Flux-financeEthereum1.57MUSDT0%4.6%4.67%
Woofi-earnArbitrum1.17MUSDC0%4.73%4.67%
DolomiteEthereum11.60MUSDC0%5.4%4.36%
Lazy-summer-protocolEthereum10.80MUSDC0.57%3.61%4.31%
GearboxMonad1.22MUSDC9.29%7.75%4.18%
SparklendEthereum2.55MUSDC0%4.1%4.14%
Euler-v2Ethereum34.84MUSDC0%3.68%4.08%
ExactlyOP Mainnet1.53MUSDC0%2.87%3.99%
ExactlyOP Mainnet1.53MUSDC0%3.66%3.98%
NeverlandMonad16MUSDC4.26%8.38%3.93%
Hyperlend-pooledHyperliquid L117.83MUSDC0%4.13%3.92%
Yearn-financeEthereum7.56MUSDC0%4.08%3.87%
Yearn-financeBase1.83MUSDC0%3.33%3.86%
TermmaxEthereum9.86MUSDC0%2.33%3.84%
MapleEthereum1.98BUSDT0%3.75%3.82%
ExactlyOP Mainnet1.53MUSDC0%4.14%3.82%
ExactlyOP Mainnet1.53MUSDC0%3.46%3.8%
Aave-v3Polygon1.20MDAI0%3.68%3.79%
Flux-financeEthereum2.43MUSDC0%3.77%3.77%
TermmaxEthereum2.43MUSDC0%2.31%3.77%
TermmaxEthereum2.01MUSDC0%2.39%3.77%
Yearn-financeEthereum8.88MDAI0%3.21%3.77%
ExactlyOP Mainnet1.53MUSDC0%2.14%3.75%
Spark-savingsAvalanche52.04MUSDC0%3.75%3.75%
Spark-savingsEthereum339.53MUSDC0%3.75%3.75%
ExactlyOP Mainnet1.53MUSDC0%3.92%3.74%
ExactlyOP Mainnet1.53MUSDC0%3.97%3.71%
ExactlyOP Mainnet1.53MUSDC0%3.92%3.7%
Folks-finance-lendingAlgorand1.96MUSDC0%3.53%3.68%
ExactlyOP Mainnet1.53MUSDC0%3.66%3.65%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum547.8M8.46%
Avalanche456.8M16.11%
Base12115.2M8.31%
BSC477.2M9.52%
Ethereum282.8B6.4%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.2M3.79%
Solana412.1M7.45%
TON14M7%
zkSync Era000%