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 11 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
13/02/2026 21:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bracket-vaultsEthereum3.30MUSDC0%14.97%14.18%
AvantisBase88.35MUSDC0%11.31%12.81%
Blend-pools-v2Stellar1.66MUSDC0.68%13.78%11.33%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
Blend-pools-v2Stellar8.66MUSDC0%11.4%9.52%
Harvest-financeBase3.14MUSDC0%6.16%8.02%
AutofinanceEthereum19.11MUSDC0.32%8.84%7.77%
Woofi-earnArbitrum1.20MUSDC0%7.09%7.04%
DeltaprimeAvalanche1.32MUSDC0%6.65%6.33%
Ipor-fusionEthereum3.92MUSDT0%7.37%6.12%
WasabiBase7.68MUSDC0%6.89%6%
Euler-v2Avalanche1.26MUSDC0%8.26%5.99%
WasabiSolana1.72MUSDC0%8.09%5.93%
LoopscaleSolana3.79MUSDC0.77%7.81%5.74%
Harmonix-financeArbitrum1.18MUSDC0%5.32%5.69%
Yo-protocolBase29.31MUSDC14%14.21%5.61%
Echelon-marketAptos6.31MUSDC0%4.84%5.6%
Yearn-financeEthereum1.36MUSDC0%5.44%5.56%
Ipor-fusionBase1.70MUSDC0%7.17%5.47%
Scallop-lendSui1.79MUSDC0%5.54%5.21%
Hyperlend-pooledHyperliquid L114.92MUSDC0%5.91%5.18%
Euler-v2Ethereum40.56MUSDC0%4.86%5.18%
SymbiosisEthereum1.10MUSDC0%6.08%5.14%
SymbiosisTron1.59MUSDT0%4.86%5.06%
LoopscaleSolana1.30MUSDC1.97%7.94%5.04%
AutofinanceBase17.99MUSDC1.47%7.4%5%
Gains-networkArbitrum12.88MUSDC0%10.61%4.85%
Silo-v2Avalanche1.56MUSDC0%8.08%4.81%
Ipor-fusionBase1.06MUSDC0%4.5%4.74%
Ipor-fusionBase1.06MUSDC0%4.5%4.74%
AutofinanceEthereum8.71MUSDC0%2.98%4.74%
Flux-financeEthereum1.61MUSDT0%4.61%4.63%
VesperEthereum2.56MUSDC0%4.56%4.52%
Yearn-financeEthereum7.33MUSDT0%4.68%4.48%
DolomiteEthereum9.58MUSDC0%4.54%4.48%
Gains-networkBase2.12MUSDC0%10.19%4.37%
ExactlyOptimism1.76MUSDC0%4.39%4.37%
Navi-lendingSui8.75MUSDC0.81%5.29%4.37%
LiqwidCardano2.71MUSDC1.58%11.87%4.33%
ExactlyOptimism1.76MUSDC0%4.22%4.24%
ExactlyOptimism1.76MUSDC0%4.21%4.23%
Euler-v2Arbitrum1.09MUSDC0%6.53%4.22%
Flux-financeEthereum1.44MUSDC0%4.16%4.19%
ExactlyOptimism1.76MUSDC0%3.66%4.14%
AutofinanceArbitrum1.34MUSDC1.66%6.47%4.12%
Yearn-financeEthereum7.56MUSDT0%4.37%4.12%
ExactlyOptimism1.76MUSDC0%4.04%4.1%
Extra-finance-leverage-farmingBase4.42MUSDC0%5.65%4.07%
ExactlyOptimism1.76MUSDC0%3.97%4.03%
Euler-v2Ethereum33.98MUSDC0%4.69%4.01%
Spark-savingsEthereum212.12MUSDC0%4%4%
Spark-savingsAvalanche132.41MUSDC0%4%4%
Folks-finance-lendingAlgorand1.85MUSDC0%4.25%3.96%
MapleEthereum1.29BUSDT0%4.64%3.95%
Yearn-financeEthereum33.24MUSDC0%4.65%3.94%
ExactlyOptimism1.76MUSDC0%3.83%3.93%
ExactlyOptimism1.76MUSDC0%3.87%3.9%
Folks-finance-xchainPolygon2.29MUSDT0%5.3%3.88%
ExactlyOptimism1.76MUSDC0%3.01%3.81%
SparklendEthereum8.15MUSDC0%3.63%3.78%
Yearn-financeEthereum12.70MDAI0%4.51%3.69%
Aave-v3Base58.68MUSDC0%3.78%3.69%
Yearn-financeEthereum1.11MUSDC0%4.32%3.64%
AutofinanceEthereum5.01MUSDC0%6.13%3.62%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum517.7M5.18%
Avalanche4136.5M5.28%
Base11215.5M5.87%
BSC000%
Ethereum221.7B5.26%
Hyperliquid000%
Mantle000%
Optimism915.9M4.08%
Polygon12.3M3.88%
Solana36.8M5.57%
TON000%
zkSync Era000%