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 14 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
16/07/2026 20:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableMonad57.67MUSDC0.3%12.49%17.6%
AccountableEthereum1.05MUSDC0%14.25%14.25%
Harvest-financeBase1.87MUSDC0%16.05%13.67%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum7.80MUSDC0%12.83%12.9%
AccountableEthereum2.14MUSDC0%10.62%11.66%
AvantisBase21.82MUSDC0%9.66%11.47%
Aave-v3Ethereum6.01MDAI0%4.27%11.09%
Midas-rwaEtherlink4.31MUSDC0%7.32%11%
Pareto-creditEthereum15.17MUSDC0%10.59%10.59%
Midas-rwaEthereum46.85MUSDC0%10.56%10.57%
Midas-rwaMonad1.88MUSDC0%10.56%10.57%
Ember-protocolSui1.20MUSDC0%10.65%10.44%
Midas-rwaEthereum73.78MUSDC0%12.61%10.24%
Ember-protocolEthereum3.30MUSDC0%9.33%10.1%
AccountableMonad8.97MUSDC0.5%9.35%10.03%
AccountableMonad5.21MUSDC0.49%10.48%10%
GoldfinchEthereum36.72MUSDC0%10.12%10%
Ember-protocolSui3.22MUSDC0%9.16%9.48%
Bracket-vaultsEthereum2.82MUSDC0%9.7%9.42%
YieldseekerBase1.90MUSDC0%8.08%9.38%
Pareto-creditEthereum2.13MUSDC0%9.38%9.38%
Midas-rwaEthereum1.98MUSDC0%9.73%9.2%
Ember-protocolSui1.09MUSDC0%9.48%8.93%
AccountableEthereum4.02MUSDC10.04%15.24%8.83%
Midas-rwaEthereum7.72MUSDC0%8.82%8.79%
Harvest-financeEthereum1.17MUSDC0%7.62%8.77%
Blend-pools-v2Stellar11.09MUSDC0%6.93%8.45%
Pareto-creditEthereum156.98MUSDC0%8.31%8.31%
Midas-rwaEthereum29.02MUSDC0%3.16%8.27%
Harmonix-financeHyperliquid L119.73MUSDC0%9.21%8.24%
Ember-protocolSui6.93MUSDC4%12%8%
Bitway-earnBSC23.28MUSDT0%8.95%8%
Midas-rwaEthereum4.54MUSDC0%6.15%7.82%
Hyperlend-pooledHyperliquid L19.21MUSDC0%6.6%7.36%
Pareto-creditEthereum21.81MUSDC0%7.13%7.13%
Midas-rwaEthereum2.49MUSDC0%7.74%7.12%
Midas-rwaEthereum6.64MUSDC0%7.75%7.12%
AccountableMonad1.62MUSDC0.5%7.34%7.03%
Ember-protocolSui1.36MUSDC0%8.11%7%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
Gami-labsStellar16.45MUSDC0%7%7%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Yearn-financeEthereum6.13MUSDC0%5.8%6.86%
Fusion-by-iporEthereum2.88MUSDC0%6.22%6.83%
Zerobase-cedefiBSC1.95MUSDC2%8.76%6.76%
Zerobase-cedefiBSC21.50MUSDT2%8.76%6.76%
Extra-finance-leverage-farmingBase3.45MUSDC0%6.42%6.51%
Lista-lendingBSC5.06MUSDT0%4.44%6.3%
AutofinanceEthereum8.66MUSDC0.41%6.52%6.28%
Kamino-lendSolana5.19MUSDC0%7.02%6.13%
SymbiosisTron1.45MUSDT0%6.11%6.02%
Lista-lendingBSC2.02MUSDT0.86%6.49%5.83%
Storm-tradeTON3.61MUSDT0%5.94%5.75%
LoopscaleSolana6.39MUSDC0.25%7.92%5.7%
Yearn-financeEthereum9.08MUSDC0%5.84%5.42%
Lista-lendingBSC6.01MUSDT0%4.67%5.41%
Yearn-financeEthereum1.19MUSDC0%4.53%5.38%
Fluid-lendingArbitrum35.85MUSDC0%5.82%5.37%
AutofinanceBase5.97MUSDC2.19%7.28%5.22%
Navi-lendingSui6.35MUSDC0.43%5.84%5.15%
Ember-protocolSui1.11MUSDC4.81%11.92%5.02%
Fluid-lendingBase8.78MUSDC0%5.55%4.99%
Yearn-financeBase1.76MUSDC0%4.91%4.94%
Gains-networkArbitrum6.69MUSDC0%5.82%4.86%
Midas-rwaEthereum7.27MUSDC0%3.43%4.81%
Midas-rwaEtherlink1.11MUSDC0%3.42%4.81%
Fluid-lendingEthereum9.44MUSDC0%5.7%4.52%
Fluid-lendingEthereum142.19MUSDC0%6.18%4.52%
Flux-financeEthereum1.90MUSDT0%4.46%4.45%
DolomiteArbitrum1.37MUSDC0%4.41%4.42%
ExactlyOP Mainnet1.84MUSDC0%4.19%4.31%
Kamino-lendSolana8.53MUSDC0%4.71%4.25%
ExactlyOP Mainnet1.84MUSDC0%4.17%4.23%
ExactlyOP Mainnet1.84MUSDC0%4.11%4.21%
Native-credit-poolBSC5MUSDT0%3.85%4.21%
ExactlyOP Mainnet1.84MUSDC0%4.08%4.15%
ExactlyOP Mainnet1.84MUSDC0%4.01%4.14%
Yo-protocolBase10.14MUSDC0%4.19%4.1%
Yo-protocolEthereum2.38MUSDC0%4.19%4.1%
Moonwell-lendingBase2.22MUSDC0.35%5.11%4.08%
MapleEthereum0.97BUSDT0%4.07%4.07%
Euler-v2Monad2.20MUSDC2.63%5.91%4.06%
ExactlyOP Mainnet1.84MUSDC0%3.97%4.03%
Scallop-lendSui1.03MUSDC0%4.45%4.03%
Scallop-lendSui1.03MUSDC0%4.45%4.03%
ExactlyOP Mainnet1.84MUSDC0%3.83%4.02%
Kamino-lendSolana1.13MUSDC0%5.42%4%
Fluid-lendingEthereum145.33MUSDT0%5.61%3.99%
ExactlyOP Mainnet1.84MUSDC0%3.66%3.94%
Native-credit-poolEthereum6.07MUSDC0%3.59%3.9%
Kamino-lendSolana1.21MUSDT0%3.47%3.88%
SymbiosisEthereum1.23MUSDC0%6.17%3.88%
AmpleBase4.31MUSDC0%4.53%3.86%
Native-credit-poolEthereum1.99MUSDT0%3.08%3.85%
TermmaxBase1.20MUSDC0%3.97%3.85%
ExactlyOP Mainnet1.84MUSDC0%4%3.84%
Benqi-lendingAvalanche4.63MUSDC0%3.77%3.78%
Flux-financeEthereum2.60MUSDC0%3.72%3.72%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum451.6M5.41%
Avalanche14.6M3.78%
Base1163.4M6.55%
BSC764.8M6.18%
Ethereum381.8B7.5%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon000%
Solana522.4M4.79%
TON13.6M5.75%
zkSync Era000%