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 3.61% on Feb 18 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
20/02/2026 21:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Euler-v2Avalanche2.95MUSDT0%31.01%31.01%
Bracket-vaultsEthereum3.28MUSDC0%14.62%13.8%
Blend-pools-v2Stellar1.49MUSDC0.71%13.75%12.23%
Blend-pools-v2Stellar6.62MUSDC0%11.09%11.83%
AvantisBase90.64MUSDC0%11.3%11.19%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
AbyssSui1.20MUSDC0%6.19%8.65%
Gains-networkArbitrum11.44MUSDC0%10.43%8.12%
Woofi-earnArbitrum1.20MUSDC0%7.11%7.05%
DeltaprimeAvalanche1.28MUSDC0%6.47%6.84%
AutofinanceEthereum21.08MUSDC0.31%8.17%6.39%
Euler-v2Avalanche5.46MUSDC0%6.79%6.38%
LoopscaleSolana1.59MUSDC1.24%7.38%6.25%
Harvest-financeBase4.32MUSDC0%6.46%6.17%
Hyperlend-pooledHyperliquid L113.30MUSDC0%6.06%5.93%
Harmonix-financeArbitrum1.15MUSDC0%5.49%5.65%
WasabiSolana1.68MUSDC0%7.59%5.51%
Euler-v2Avalanche1.27MUSDC0%5.59%5.28%
Yo-protocolBase28.89MUSDC14%16.94%5.19%
LoopscaleSolana1.13MUSDC2.31%7.45%5.15%
WasabiBase6.53MUSDC0%6.33%5.14%
Yearn-financeEthereum3.97MUSDC0%5.84%5.12%
Echelon-marketAptos7.23MUSDC0%4.88%5.05%
Scallop-lendSui1.78MUSDC0%5.4%4.94%
Extra-finance-leverage-farmingBase3.98MUSDC0%5.12%4.88%
AutofinanceArbitrum1.46MUSDC1.7%6.32%4.85%
Flux-financeEthereum1.62MUSDT0%4.61%4.62%
LiqwidCardano2.57MUSDC1.58%10.43%4.62%
AutofinanceBase17.90MUSDC1.63%6.98%4.6%
Gains-networkBase2.17MUSDC0%8.49%4.55%
Yearn-financeEthereum7.31MUSDT0%4.58%4.52%
NeverlandMonad4.69MUSDC7.57%12.8%4.5%
SymbiosisEthereum1.18MUSDC0%5.88%4.4%
Euler-v2Ethereum40.07MUSDC0%4.93%4.36%
SymbiosisTron1.53MUSDT0%4.84%4.34%
Folks-finance-lendingAlgorand1.58MUSDC0%4.16%4.25%
ExactlyOptimism1.72MUSDC0%4.22%4.24%
DolomiteEthereum12.47MUSDC0%4.57%4.23%
MapleEthereum1.35BUSDT0%4.44%4.22%
Flux-financeEthereum1.45MUSDC0%4.17%4.19%
Euler-v2Arbitrum7.90MUSDC0%3.64%4.19%
ExactlyOptimism1.72MUSDC0%3.84%4.15%
ExactlyOptimism1.72MUSDC0%4.07%4.12%
Navi-lendingSui9.81MUSDC0.67%5.07%4.07%
ExactlyOptimism1.72MUSDC0%4.21%4.05%
ExactlyOptimism1.72MUSDC0%4%4.04%
Yearn-financeEthereum1.11MUSDC0%4.21%4.02%
Spark-savingsAvalanche145.43MUSDC0%4%4%
Spark-savingsEthereum223.60MUSDC0%4%4%
ExactlyOptimism1.72MUSDC0%4.35%3.98%
ExactlyOptimism1.72MUSDC0%3.87%3.94%
Yearn-financeEthereum12.59MDAI0%4.39%3.86%
Benqi-lendingAvalanche2.51MUSDT0%3.72%3.77%
Folks-finance-xchainPolygon2.49MUSDT0%3.92%3.71%
ExactlyOptimism1.72MUSDC0%3.1%3.7%
Yearn-financeEthereum7.30MUSDT0%4.19%3.63%
ExactlyOptimism1.72MUSDC0%3.85%3.63%
Harvest-financeEthereum1.07MUSDC0%4.08%3.63%
Harvest-financeEthereum1.07MUSDC0%4.08%3.63%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum523.1M5.98%
Avalanche6158.9M9.55%
Base7154.5M5.96%
BSC000%
Ethereum171.7B5.21%
Hyperliquid000%
Mantle000%
Optimism915.5M3.98%
Polygon12.5M3.71%
Solana34.4M5.64%
TON000%
zkSync Era000%