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 % on ). 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
21/09/2026 10:30:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Gains-networkArbitrum4.38MUSDC0%22.55%52.7%
Neutral-tradeSolana2.28MUSDC0%15.4%43.59%
Neutral-tradeSolana3.36MUSDC0%6.08%31.3%
AccountableEthereum1.90MUSDC19.33%36.04%24.07%
Ember-protocolEthereum17.39MUSDC0%9.84%24%
AvantisBase10MUSDC0%11.48%20.94%
Harvest-financeBase1.86MUSDC0%42.94%20.93%
EnsuroEthereum1.10MUSDC0%21.1%19.95%
Neutral-tradeSolana2.17MUSDC0%14.35%16.21%
AccountableMonad7.50MUSDC0.97%16.7%15.44%
AccountableEthereum1.05MUSDC0.75%15.03%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum1.64MUSDC0%27.21%12.93%
Ember-protocolEthereum4.58MUSDC0%12.91%12.9%
AccountableEthereum13.86MUSDC0%12.2%12.51%
Ember-protocolSui1.20MUSDC0%10.19%12.43%
Midas-rwaEthereum26.37MUSDC0%5.83%11.87%
AccountableMonad1.14MUSDC0%14.97%11.65%
AccountableMonad5.04MUSDC0.45%12.09%11.64%
AccountableMonad74.98MUSDC0.28%11.84%11.4%
Ember-protocolEthereum10.30MUSDC0%9.73%11.07%
AccountableEthereum3.39MUSDC0%10.84%11.01%
Nawa-protocolZIGChain3.43MUSDC0%7.68%10.69%
Pareto-creditEthereum11.01MUSDC0%10.59%10.59%
Lista-lendingBSC1.96MUSDT0%6.81%10.26%
Ember-protocolSui8.38MUSDC0%10.07%10.21%
AguaEthereum6.21MUSDC0%10%10%
Ember-protocolEthereum3.35MUSDC0%9.48%9.51%
Pareto-creditEthereum2.19MUSDC0%9.38%9.38%
Kamino-lendSolana2.85MUSDC0%7.19%8.86%
Harvest-financeBase1.01MUSDC0%7.67%8.83%
Harvest-financeBase1.01MUSDC0%7.67%8.83%
Blend-pools-v2Stellar9.84MUSDC0%7.24%8.26%
Bitway-earnBSC25.16MUSDT0%8%8%
Ember-protocolSui8.65MUSDC4%12%8%
Harvest-financeBase1.25MUSDC0%7.11%7.91%
Pareto-creditEthereum154.60MUSDC0%7.89%7.82%
Fusion-by-iporEthereum1.09MUSDC0%7.48%7.66%
Midas-rwaEtherlink4.93MUSDC0%8.41%7.6%
Midas-rwaEthereum65.47MUSDC0%7.61%7.51%
Bitway-earnBSC6.74MUSDT0%7.5%7.5%
Sentora-curatorEthereum74.30MUSDC0%6.59%7.31%
Midas-rwaEthereum7.49MUSDC0%7.65%7.15%
Midas-rwaEthereum67.34MUSDC0%7.13%7.13%
Zerobase-cedefiEthereum14.08MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.63MUSDT2%9%7%
Yearn-financeEthereum7.56MUSDC0%6.76%6.83%
AccountableMonad2.30MUSDC0.28%7.38%6.79%
Zerobase-cedefiBSC18.20MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.12MUSDC2%8.76%6.76%
Harmonix-financeHyperliquid L122.37MUSDC0%6.93%6.73%
Rhea-lendNear1.88MUSDC0%7.05%6.71%
Pareto-creditEthereum22MUSDC0%6.89%6.62%
Midas-rwaEthereum1.70MUSDC0%8.31%6.61%
Harvest-financeEthereum1.16MUSDC0%9.36%6.56%
Neutral-tradeSolana1.19MUSDC0%10.27%6.44%
Midas-rwaEthereum6.73MUSDC0%7.3%6.39%
Midas-rwaEthereum2.52MUSDC0%7.29%6.39%
Extra-finance-leverage-farmingBase3.68MUSDC0%6.5%6.28%
Euler-v2Monad5.89MUSDC1.62%8.06%6.01%
Yearn-financeEthereum11.17MUSDC0%6.62%5.91%
Fusion-by-iporEthereum2.39MUSDC0%5.92%5.87%
Fusion-by-iporEthereum1.28MUSDC0%6.46%5.8%
Aave-v4Ethereum1.29MUSDT0%3.67%5.73%
AutofinanceBase3.54MUSDC5.06%9.18%5.66%
Midas-rwaEthereum31.42MUSDC0%6.48%5.6%
Lista-lendingBSC2.54MUSDT0%3.02%5.42%
Alchemix-v3Ethereum7.72MUSDC0%5.43%5.38%
Fluid-lendingEthereum126.21MUSDT0%4.85%5.28%
AccountableMonad7.42MUSDC0.5%6.17%5.2%
Aave-v4Ethereum1.50MUSDC0%4.42%5.15%
AutofinanceEthereum7.68MUSDC0.95%6.11%5.11%
Storm-tradeTON2.80MUSDT0%5.33%5.09%
Native-credit-poolEthereum1.10MUSDC0%4.93%4.93%
Yearn-financeBase1.72MUSDC0%5.02%4.93%
MapleEthereum706.13MUSDT0%4.64%4.86%
Fluid-lendingBase9.23MUSDC0%4.95%4.84%
Spectra-metavaultsBase3.03MUSDC0%2.42%4.8%
Gami-labsBase3.03MUSDC0%2.39%4.8%
Kamino-lendSolana3.13MUSDC0%5.4%4.73%
Navi-lendingSui8.93MUSDC0.54%5.39%4.73%
Fusion-by-iporBase1.36MUSDC0%7.24%4.7%
Jupiter-lendSolana469.77MUSDC0.38%4.85%4.53%
CurvanceMonad2.92MUSDC2%5.56%4.46%
Flux-financeEthereum1.94MUSDT0%4.45%4.44%
Fluid-lendingArbitrum61.85MUSDC0%4.2%4.41%
ExactlyOP Mainnet1.59MUSDC0%4.38%4.39%
Yearn-financeBase1.02MUSDC0%4.42%4.37%
Ember-protocolEthereum2.04MUSDC0%4.22%4.36%
Rhea-lendNear1.74MUSDT0%5.32%4.35%
Benqi-lendingAvalanche3.46MUSDC0%4.95%4.34%
ExactlyOP Mainnet1.59MUSDC0%4.31%4.34%
ExactlyOP Mainnet1.59MUSDC0%4.32%4.33%
ExactlyOP Mainnet1.59MUSDC0%4.24%4.29%
DolomiteArbitrum1.29MUSDC0%4.49%4.28%
Yo-protocolBase8.19MUSDC0%4.17%4.27%
Yo-protocolEthereum1.35MUSDC0%4.17%4.27%
Centrifuge-protocolEthereum9.30MUSDC0%4.98%4.23%
Centrifuge-protocolAvalanche262.53MUSDC0%4.96%4.23%
Centrifuge-protocolBase62.63MUSDC0%4.96%4.23%
ExactlyOP Mainnet1.59MUSDC0%4.14%4.21%
TydroInk17.63MUSDC0%3.82%4.18%
ExactlyOP Mainnet1.59MUSDC0%4.2%4.18%
ExactlyOP Mainnet1.59MUSDC0%4.05%4.17%
Flux-financeEthereum1.57MUSDC0%3.84%4.15%
Fluid-lendingEthereum146.83MUSDC0%4.7%4.08%
Jupiter-lendSolana17.09MUSDT0%4.04%4.05%
Yearn-financeEthereum2.39MUSDC0%3.88%4.05%
ExactlyOP Mainnet1.59MUSDC0%3.92%4.02%
Fusion-by-iporBase1.25MUSDC2.84%6.56%3.94%
Kamino-lendSolana18.72MUSDC0%4.69%3.86%
Kamino-lendSolana1.80MUSDC0%4.62%3.86%
Aave-v3Ethereum199.88MUSDT0%3.44%3.84%
Aave-v3Ethereum68.69MUSDT1.49%4.89%3.84%
Aave-v3Monad19.03MUSDC2.2%5.81%3.82%
Midas-rwaEthereum3.49MUSDC0%3.78%3.78%
Euler-v2Monad1.55MUSDC1.25%4.77%3.77%
AmpleBase4.39MUSDC0%4.02%3.72%
SaveSolana4.59MUSDC0%2.97%3.7%
ExactlyOP Mainnet1.59MUSDC0%0.91%3.69%
Aave-v3Base21.99MUSDC0%3.56%3.63%
Venus-core-poolBSC8.83MUSDC0%2.79%3.63%
Yearn-financeEthereum20.89MUSDC0%3.68%3.62%
Centrifuge-protocolPlume Mainnet20.78MUSDC0%4.27%3.61%
Spark-savingsEthereum307.38MUSDC0%3.57%3.6%
Spark-savingsAvalanche9.37MUSDC0%3.57%3.6%
Kamino-lendSolana1.91MUSDT0%4.08%3.55%
Aave-v3Ethereum200.41MUSDC0%3.93%3.53%
Aave-v3Ethereum58.32MUSDC1.67%5.52%3.53%
Aave-v3Avalanche2.75MUSDT0%3.97%3.52%
SymbiosisEthereum1.24MUSDC0%4.91%3.52%
Spark-savingsEthereum416.49MUSDT0%3.32%3.5%
Centrifuge-protocolEthereum2.07MUSDT0%2.63%3.46%
Compound-v3Ethereum37.53MUSDC0%4.87%3.44%
Midas-rwaEthereum72.61MUSDC0%3.39%3.41%
Midas-rwaEtherlink1.22MUSDC0%3.39%3.41%
Aave-v3Avalanche7.71MUSDC0%4.11%3.4%
SparklendEthereum15.47MUSDT0%3.21%3.38%
Aave-v3BSC1.67MUSDC0%3.06%3.35%
Centrifuge-protocolPharos4.40MUSDC0%3.2%3.35%
Native-credit-poolEthereum1.22MUSDT0%3.31%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Yearn-financeEthereum5.74MUSDT0%3.21%3.27%
Aave-v3Polygon10.15MUSDC0%2.92%3.27%
Venus-core-poolBSC48.16MUSDT0%2.68%3.23%
DolomiteEthereum31.15MUSDC4.02%7.42%3.23%
Aave-v3Ethereum1.15MUSDC0%2.83%3.21%
Yearn-financeEthereum1.11MUSDC0%3.62%3.21%
Hyperlend-pooledHyperliquid L120.18MUSDC0%5.4%3.17%
Native-credit-poolBSC1.40MUSDT0%3.14%3.14%
Aave-v3Ethereum16.77MDAI0%2.99%3.09%
Benqi-lendingAvalanche1.29MUSDT0%3.71%3%
SparklendEthereum5.76MUSDC0%3.46%3%
Compound-v3Arbitrum2.59MUSDC0%2.84%2.97%
Yearn-financeEthereum7.37MDAI0%3.23%2.92%
Aave-v3Xlayer2.64MUSDC0%1.79%2.9%
Aave-v3Arbitrum27.45MUSDC0%2.6%2.88%
Kamino-lendSolana1.38MUSDC0%1.11%2.86%
Compound-v3Ethereum37.23MUSDT0%3.07%2.84%
Aave-v3OP Mainnet1.83MUSDC0%2.5%2.79%
Aave-v3BSC13.10MUSDT0%2.62%2.73%
Compound-v3Arbitrum4.31MUSDT0%2.59%2.54%
SparklendEthereum100.09MDAI0%2.36%2.46%
SaveSolana2.30MUSDT0%1.77%2.11%
NeverlandMonad1.08MUSDC8.05%9.46%2.09%
Lista-lendingBSC1.94MUSDT0%2.23%2.08%
CurrentSui15.41MUSDC7.57%9.02%2.06%
Aave-v4Ethereum1.41MUSDC0%1.88%2.05%
Justlend-v1Tron87.02MUSDT0%2.34%2%
Aave-v3Arbitrum1.07MDAI0%1.92%1.99%
Scallop-lendSui1.04MUSDC0%2.35%1.97%
Aave-v3Sonic1.15MUSDC0%1.85%1.83%
Midas-rwaEthereum6.43MUSDC0%5.08%1.64%
Midas-rwaEtherlink1.12MUSDC0%5.05%1.64%
Echelon-marketAptos1.55MUSDC4.8%3.41%1.33%
Venus-fluxBSC1.79MUSDT0%2.63%1.23%
ExactlyOP Mainnet1.59MUSDC0%0.93%1.04%
Centrifuge-protocolMonad4.55MUSDC0%3.11%0.94%
Ember-protocolSui2.25MUSDC0%1.39%0.89%
Zest-v2Stacks10.13MUSDC0%0.73%0.88%
Lista-lendingEthereum5.65MUSDC4.95%7.2%0.85%
AcrossEthereum1.12MUSDT2.94%1.61%0.61%
TectonicCronos1.25MUSDC0.03%0.4%0.56%
Aave-v4Avalanche7.47MUSDC4.73%5.46%0.4%
Lista-lendingEthereum4.08MUSDT4.75%6.13%0.35%
AcrossEthereum1.10MUSDC4.34%4.38%0.26%
Aave-v4Avalanche3.49MUSDT6.56%6.1%0.15%
CredixSolana13.41MUSDC0%0.06%0.07%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum8110.6M9.84%
Avalanche8298.1M2.83%
Base19150.7M7.08%
BSC13133.6M4.93%
Ethereum743.2B6.18%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon110.1M3.27%
Solana15546M9.32%
TON12.8M5.09%
zkSync Era000%