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 May 08 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
12/05/2026 11:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Yearn-financeBase1.74MUSDC0%95.88%154.02%
AbyssSui1.90MUSDC0%9.3%14.14%
Ember-protocolSui1.17MUSDC0%14.05%14.05%
Ember-protocolSui1.89MUSDC0%13.13%13.13%
Canto-lendingCanto1.35MUSDC0%12.97%13.11%
Ember-protocolEthereum50.42MUSDC0%21.52%12.52%
Ember-protocolSui1.19MUSDC0%11.06%11.06%
Harvest-financeBase1.97MUSDC0%7.29%10.78%
Bracket-vaultsEthereum2.71MUSDC0%11.23%10.76%
BitwayBSC14.43MUSDT0%10.81%10.5%
AvantisBase46.02MUSDC0%10.12%10.4%
GoldfinchEthereum37.24MUSDC0%10.06%10.06%
Ember-protocolSui1.59MUSDC0%10.03%10.03%
AutofinanceEthereum2.14MUSDC0%8.01%9.41%
Blend-pools-v2Stellar10.69MUSDC0%9.1%8.68%
YieldseekerBase1.26MUSDC0%9.09%8.66%
SymbiosisEthereum1.39MUSDC0%7.18%8.47%
SymbiosisTron1.41MUSDT0%7.69%8.28%
Ember-protocolSui1.14MUSDC0%8.2%8.2%
Ember-protocolSui5.32MUSDC4%12%8%
Benqi-lendingAvalanche2.07MUSDC0%8.27%7.69%
Ember-protocolSui2.50MUSDC0%7.48%7.48%
LoopscaleSolana1.02MUSDC1.06%8.32%7.29%
LoopscaleSolana1.02MUSDC1.06%8.32%7.29%
Gains-networkArbitrum5.12MUSDC0%6.33%7.17%
Zerobase-cedefiEthereum14.45MUSDT2%9%7%
Zerobase-cedefiArbitrum7.93MUSDT2%9%7%
Zerobase-cedefiBSC1.95MUSDC2%8.76%6.76%
Zerobase-cedefiBSC24.36MUSDT2%8.76%6.76%
Ember-protocolEthereum4.50MUSDC0%6.75%6.75%
Storm-tradeTON3.64MUSDT0%6.66%6.28%
Extra-finance-leverage-farmingBase3.72MUSDC0%5.8%6.2%
DeltaprimeAvalanche1.08MUSDC0%5.68%5.98%
Yearn-financeEthereum9.73MUSDC0%4.8%5.68%
Hyperlend-pooledHyperliquid L110.93MUSDC0%5.08%5.45%
Aave-v3Avalanche5.84MUSDC0%5.98%5.3%
AutofinanceBase6.26MUSDC3.59%8.66%5.15%
Aave-v3Avalanche2.43MUSDT0%6.6%5.11%
DolomiteArbitrum1.16MUSDC0%5.88%5.01%
Ember-protocolEthereum2.78MUSDC0%4.94%4.94%
Benqi-lendingAvalanche1.04MUSDT0%8.63%4.93%
Scallop-lendSui1.55MUSDC0%5.29%4.62%
TermmaxBase1.25MUSDC0%2.31%4.6%
Yearn-financeEthereum2.61MUSDC0%6.26%4.6%
Flux-financeEthereum1.70MUSDT0%4.61%4.58%
Ember-protocolSui1.37MUSDC9.13%13.71%4.58%
Folks-finance-lendingAlgorand1.32MUSDC0%4.25%4.52%
MapleEthereum1.03BUSDT0%4.38%4.41%
AmpleBase4.35MUSDC0%4.25%4.23%
Fluid-lendingArbitrum52.40MUSDC0.65%6.3%4.23%
ExactlyOP Mainnet1.58MUSDC0%4.03%4.14%
ExactlyOP Mainnet1.58MUSDC0%3.93%4.07%
Moonwell-lendingBase1.65MUSDC1.39%4.87%4.07%
ExactlyOP Mainnet1.58MUSDC0%4.02%4.06%
SparklendEthereum3.73MUSDC0%4.12%4.06%
Ember-protocolSui7.89MUSDC0%4.05%4.05%
Navi-lendingSui7.13MUSDC0.74%4.49%4.04%
Yo-protocolEthereum3.41MUSDC7.8%14.67%4.02%
Yo-protocolBase16.42MUSDC7.8%14.64%4.02%
ExactlyOP Mainnet1.58MUSDC0%3.85%4.02%
TermmaxEthereum7.31MUSDC0%1.9%3.98%
AutofinanceEthereum8.46MUSDC0.61%6.49%3.94%
TermmaxEthereum2.01MUSDC0%3.61%3.94%
TermmaxEthereum1.11MUSDC0%3.57%3.94%
ExactlyOP Mainnet1.58MUSDC0%3.79%3.94%
ExactlyOP Mainnet1.58MUSDC0%3.81%3.92%
ExactlyOP Mainnet1.58MUSDC0%3.74%3.92%
ExactlyOP Mainnet1.58MUSDC0%3.36%3.91%
ExactlyOP Mainnet1.58MUSDC0%3.73%3.9%
DolomiteEthereum19.98MUSDC3.98%7.06%3.8%
NeverlandMonad15.06MUSDC4.87%8.35%3.79%
Fluid-lendingEthereum192.96MUSDC1.11%4.8%3.75%
Fluid-lendingEthereum7.15MUSDC0%3.69%3.75%
Yearn-financeEthereum9.46MDAI0%3.94%3.72%
Flux-financeEthereum2.69MUSDC0%3.72%3.68%
Harvest-financeEthereum1.09MUSDC0%4.98%3.66%
Euler-v2Ethereum39.57MUSDC0%3.97%3.65%
Spark-savingsAvalanche34.83MUSDC0%3.68%3.65%
Spark-savingsEthereum0.95BUSDC0%3.68%3.65%
Spectra-metavaultsBase6.58MUSDC1.41%5.54%3.63%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum466.6M5.85%
Avalanche647.3M5.44%
Base1191.2M19.61%
BSC340.7M8.01%
Ethereum262.4B5.49%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon000%
Solana22M7.29%
TON13.6M6.28%
zkSync Era000%