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 3.70% on Jul 15 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
17/07/2026 20:00:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableMonad3MUSDC0.85%42.85%39.39%
AccountableMonad66.80MUSDC0.26%12.69%17.6%
AccountableEthereum1.05MUSDC0%14.25%14.25%
AccountableEthereum1.05MUSDC0%14.25%14.25%
Harvest-financeBase1.87MUSDC0%15.81%13.67%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum7.80MUSDC0%12.83%12.9%
Midas-rwaEthereum1.98MUSDC0%9.87%12.76%
AccountableEthereum2.14MUSDC0%10.73%11.66%
AvantisBase21.72MUSDC0%9.71%11.33%
Pareto-creditEthereum15.17MUSDC0%10.59%10.59%
Midas-rwaEthereum46.85MUSDC0%10.56%10.57%
Midas-rwaMonad1.88MUSDC0%10.56%10.57%
Ember-protocolSui1.20MUSDC0%10.62%10.44%
Midas-rwaEthereum73.75MUSDC0%12.5%10.34%
Ember-protocolEthereum3.30MUSDC0%9.29%10.1%
AccountableMonad8.98MUSDC0.5%9.43%10%
AccountableMonad5.21MUSDC0.5%10.48%10%
GoldfinchEthereum36.72MUSDC0%10.11%10%
Ember-protocolSui3.34MUSDC0%9.1%9.48%
Bracket-vaultsEthereum2.82MUSDC0%9.67%9.38%
Pareto-creditEthereum2.13MUSDC0%9.38%9.38%
Midas-rwaEtherlink4.31MUSDC0%7.4%8.94%
Ember-protocolSui1.09MUSDC0%9.49%8.93%
YieldseekerBase1.89MUSDC0%8.14%8.78%
Midas-rwaEthereum7.72MUSDC0%8.82%8.74%
Midas-rwaEthereum2.50MUSDC0%7.73%8.37%
Midas-rwaEthereum6.65MUSDC0%7.74%8.37%
Pareto-creditEthereum157.53MUSDC0%8.31%8.31%
Midas-rwaEthereum29.02MUSDC0%3.4%8.27%
Bitway-earnBSC23.28MUSDT0%8.88%8%
Ember-protocolSui6.93MUSDC4%12%8%
Harmonix-financeHyperliquid L118.98MUSDC0%9.14%7.92%
Midas-rwaEthereum4.54MUSDC0%6.23%7.82%
Blend-pools-v2Stellar11.91MUSDC0%6.97%7.45%
Pareto-creditEthereum21.81MUSDC0%7.13%7.13%
AccountableMonad1.62MUSDC0.5%7.35%7.03%
Ember-protocolSui1.36MUSDC0%8.14%7%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
Gami-labsStellar16.46MUSDC0%7%7%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Centrifuge-protocolMonad10.05MUSDC0%5.44%6.99%
Harvest-financeEthereum1.17MUSDC0%7.69%6.97%
Zerobase-cedefiBSC1.96MUSDC2%8.76%6.76%
Zerobase-cedefiBSC21.56MUSDT2%8.76%6.76%
Yearn-financeEthereum6.17MUSDC0%5.87%6.74%
Extra-finance-leverage-farmingBase3.39MUSDC0%6.39%6.63%
AutofinanceEthereum8.66MUSDC0.41%6.53%6.39%
LoopscaleSolana3.69MUSDC0.22%7.88%6.37%
Kamino-lendSolana5.21MUSDC0%7.04%6.16%
Yearn-financeEthereum9.10MUSDC0%5.9%6.07%
Fusion-by-iporEthereum2.90MUSDC0%6.21%6.02%
SymbiosisTron1.31MUSDT0%6.14%5.97%
Gains-networkArbitrum6.69MUSDC0%5.67%5.96%
AccountableEthereum3.95MUSDC10.22%15.39%5.87%
Hyperlend-pooledHyperliquid L111.62MUSDC0%6.64%5.85%
Storm-tradeTON3.60MUSDT0%5.94%5.78%
Yearn-financeEthereum1.19MUSDC0%4.59%5.51%
Fluid-lendingArbitrum36.48MUSDC0%5.82%5.48%
Fluid-lendingEthereum137.31MUSDC0%6.13%5.22%
Fluid-lendingEthereum9.44MUSDC0%5.69%5.22%
AutofinanceBase5.94MUSDC2.17%7.26%5.11%
Navi-lendingSui6.74MUSDC0.43%5.81%5.04%
Fluid-lendingBase8.77MUSDC0%5.52%5.04%
Ember-protocolSui1.12MUSDC4.81%11.75%5.02%
DolomiteArbitrum1.18MUSDC0%4.44%4.96%
Yearn-financeBase1.76MUSDC0%4.92%4.96%
SparklendEthereum16.66MUSDT0%3.4%4.89%
Centrifuge-protocolPlume Mainnet33.01MUSDC0%4.37%4.52%
Kamino-lendSolana6.32MUSDC0%4.71%4.46%
Flux-financeEthereum1.90MUSDT0%4.46%4.45%
ExactlyOP Mainnet1.87MUSDC0%4.2%4.31%
ExactlyOP Mainnet1.87MUSDC0%4.17%4.23%
ExactlyOP Mainnet1.87MUSDC0%4.12%4.23%
ExactlyOP Mainnet1.87MUSDC0%4.08%4.15%
ExactlyOP Mainnet1.87MUSDC0%4.02%4.14%
Kamino-lendSolana1.64MUSDC0%4.39%4.13%
MapleEthereum0.93BUSDT0%4.06%4.1%
Euler-v2Monad2.20MUSDC2.63%5.99%4.09%
Lista-lendingBSC6.07MUSDT0%4.67%4.09%
Fluid-lendingEthereum140.29MUSDT0%5.58%4.08%
Yo-protocolEthereum2.38MUSDC0%4.16%4.05%
Yo-protocolBase10.13MUSDC0%4.16%4.05%
Kamino-lendSolana1.06MUSDT0%3.49%4.04%
Native-credit-poolEthereum6.07MUSDC0%3.6%4.04%
ExactlyOP Mainnet1.87MUSDC0%3.98%4.03%
Native-credit-poolBSC5.01MUSDT0%3.87%4.03%
ExactlyOP Mainnet1.87MUSDC0%3.84%4.02%
Moonwell-lendingBase2.32MUSDC0.35%5.12%4%
Lista-lendingBSC2.07MUSDT0.84%6.49%3.98%
ExactlyOP Mainnet1.87MUSDC0%3.65%3.96%
AmpleBase4.30MUSDC0%4.47%3.86%
TermmaxBase1.20MUSDC0%3.96%3.84%
ExactlyOP Mainnet1.87MUSDC0%3.99%3.83%
SymbiosisEthereum1.33MUSDC0%6.08%3.82%
Jupiter-lendSolana418.10MUSDC0.72%4.78%3.79%
Benqi-lendingAvalanche4.68MUSDC0%3.77%3.75%
Flux-financeEthereum2.60MUSDC0%3.72%3.72%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum452M5.85%
Avalanche14.7M3.75%
Base1163.3M6.48%
BSC659.9M5.6%
Ethereum371.7B7.77%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon000%
Solana6436M4.82%
TON13.6M5.78%
zkSync Era000%