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 3.60% on Feb 10 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
12/02/2026 20:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bracket-vaultsEthereum3.30MUSDC0%15.02%14.18%
AvantisBase88.29MUSDC0%11.33%12.49%
Blend-pools-v2Stellar1.57MUSDC0.68%13.84%11.56%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
Blend-pools-v2Stellar8.68MUSDC0%11.5%9.55%
Harvest-financeBase3.08MUSDC0%6.12%8.09%
AutofinanceEthereum18.04MUSDC0.31%8.87%7.81%
Woofi-earnArbitrum1.20MUSDC0%7.09%7.04%
AcrossEthereum1.38MDAI0.36%7.68%6.94%
AccountableMonad1.01MUSDC3%14.77%6.79%
AccountableMonad1.01MUSDC3%14.77%6.79%
Ipor-fusionEthereum3.90MUSDT0%7.49%6.67%
SymbiosisEthereum1.29MUSDC0%6.09%6.46%
DeltaprimeAvalanche1.32MUSDC0%6.66%6.33%
Euler-v2Avalanche1.17MUSDC0%8.3%6.13%
Gains-networkArbitrum12.94MUSDC0%10.67%5.91%
LoopscaleSolana1.21MUSDC1.82%8%5.86%
LoopscaleSolana3.60MUSDC0.67%7.88%5.8%
SymbiosisTron1.28MUSDT0%4.84%5.8%
Yearn-financeEthereum1.36MUSDC0%5.4%5.78%
WasabiSolana1.73MUSDC0%8.3%5.73%
Echelon-marketAptos6.58MUSDC0%4.84%5.5%
Yo-protocolBase28.94MUSDC14%13.78%5.35%
Harmonix-financeArbitrum1.19MUSDC0%5.3%5.34%
DolomiteEthereum8.45MUSDC0%4.58%5.29%
Euler-v2Ethereum40.10MUSDC0%4.84%5.22%
Scallop-lendSui1.79MUSDC0%5.56%5.21%
Hyperlend-pooledHyperliquid14.93MUSDC0%5.93%5.17%
AutofinanceBase17.99MUSDC1.44%7.45%5.07%
Ipor-fusionBase1.83MUSDC0%7.2%4.97%
VesperEthereum2.56MUSDC0%4.54%4.83%
Flux-financeEthereum1.61MUSDT0%4.61%4.63%
Yearn-financeEthereum7.33MUSDT0%4.73%4.42%
ExactlyOptimism1.76MUSDC0%4.39%4.37%
Navi-lendingSui9.01MUSDC0.76%5.32%4.3%
WasabiBase7.91MUSDC0%6.97%4.29%
Folks-finance-lendingAlgorand1.56MUSDC0%4.26%4.29%
ExactlyOptimism1.76MUSDC0%4.21%4.24%
ExactlyOptimism1.76MUSDC0%4.21%4.23%
Gains-networkBase2.37MUSDC0%10.42%4.23%
Flux-financeEthereum1.44MUSDC0%4.16%4.19%
Silo-v2Avalanche2.05MUSDC0%8.2%4.16%
ExactlyOptimism1.76MUSDC0%3.64%4.14%
Euler-v2Arbitrum1.18MUSDC0%6.59%4.13%
Yearn-financeEthereum7.57MUSDT0%4.44%4.13%
AutofinanceArbitrum1.34MUSDC2.01%6.49%4.12%
ExactlyOptimism1.76MUSDC0%4.03%4.1%
ExactlyOptimism1.76MUSDC0%3.96%4.03%
Yearn-financeEthereum33.23MUSDC0%4.67%4.01%
Spark-savingsEthereum206.97MUSDC0%4%4%
Spark-savingsAvalanche129.55MUSDC0%4%4%
Extra-finance-leverage-farmingBase4.45MUSDC0%5.75%4%
MapleEthereum1.26BUSDT0%4.66%3.95%
Euler-v2Ethereum34.84MUSDC0%4.71%3.94%
ExactlyOptimism1.76MUSDC0%3.82%3.93%
ExactlyOptimism1.76MUSDC0%3.87%3.9%
Folks-finance-xchainPolygon2.29MUSDT0%5.59%3.88%
LiqwidCardano2.99MUSDC1.58%12.08%3.87%
ExactlyOptimism1.76MUSDC0%3.03%3.8%
SparklendEthereum8.16MUSDC0%3.65%3.77%
Ipor-fusionBase1.06MUSDC0%4.54%3.7%
Yearn-financeEthereum12.69MDAI0%4.52%3.69%
Harvest-financeBase1.06MUSDC0%4.81%3.69%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum517.8M5.31%
Avalanche4134.1M5.15%
Base10157M5.59%
BSC000%
Ethereum201.7B5.7%
Hyperliquid114.9M5.17%
Mantle000%
Optimism915.8M4.08%
Polygon12.3M3.88%
Solana36.5M5.8%
TON000%
zkSync Era000%