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
05/09/2026 10:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Ember-protocolEthereum1.64MUSDC0%22.12%100.6%
AccountableMonad1.11MUSDC0%21.5%47.37%
Harvest-financeBase1.84MUSDC0%12.08%20.26%
EnsuroEthereum1.11MUSDC0%21.67%19.82%
Neutral-tradeSolana2.26MUSDC0%8.35%15.79%
AccountableEthereum3.21MUSDC0%11.61%15.22%
AccountableMonad7.50MUSDC0.95%19.56%14.89%
AccountableEthereum1.06MUSDC1.25%15.48%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Fusion-by-iporEthereum1.04MUSDC0%8.55%13.39%
Gains-networkArbitrum4.61MUSDC0%7.06%13.15%
Ember-protocolEthereum7.02MUSDC0%12.89%12.9%
AccountableEthereum11.70MUSDC0%11.76%12.51%
Neutral-tradeSolana2.24MUSDC0%32.24%11.66%
AccountableMonad5.04MUSDC0.44%12.12%11.64%
Harvest-financeEthereum1.16MUSDC0%8.57%11.3%
AccountableMonad75MUSDC0.29%13.6%11.2%
Pareto-creditEthereum11.01MUSDC0%10.58%10.59%
Ember-protocolSui7.54MUSDC0%10.25%10.2%
AguaEthereum7.96MUSDC0%10%10%
Ember-protocolEthereum17.30MUSDC0%8.51%9.92%
AvantisBase15.46MUSDC0%5.85%9.76%
Ember-protocolEthereum3.39MUSDC0%9.63%9.54%
Pareto-creditEthereum2.18MUSDC0%9.38%9.38%
SymbiosisTron1.11MUSDT0%6.53%9.29%
Ember-protocolEthereum10.14MUSDC0%9.55%8.72%
Ember-protocolSui1.32MUSDC0%10.09%8.54%
YieldseekerBase1.09MUSDC0%9.01%8.41%
Midas-rwaEthereum6.71MUSDC0%7.15%8.03%
Midas-rwaEthereum2.51MUSDC0%7.15%8.03%
Bitway-earnBSC25.02MUSDT0%8%8%
Ember-protocolSui9.40MUSDC4%12%8%
Euler-v2Monad1.15MUSDC1.25%9.53%7.91%
Pareto-creditEthereum145.04MUSDC0%7.99%7.82%
Midas-rwaEthereum7.75MUSDC0%8.44%7.66%
Midas-rwaEthereum64.64MUSDC0%8.88%7.55%
Bitway-earnBSC6.44MUSDT0%6.44%7.5%
Blend-pools-v2Stellar10.30MUSDC0%6.58%7.4%
Harmonix-financeHyperliquid L122.93MUSDC0%6.48%7.28%
Venus-fluxBSC1.90MUSDT0%2.34%7.13%
Pareto-creditEthereum21.95MUSDC0%7.13%7.13%
Harvest-financeBase1.14MUSDC0%6.63%7.1%
Yearn-financeEthereum8.87MUSDC0%6.3%7.05%
AccountableMonad1.49MUSDC0.39%7.68%7.03%
Zerobase-cedefiEthereum14.05MUSDT2%9%7%
Zerobase-cedefiBase10.56MUSDC2%9%7%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
Fusion-by-iporEthereum1.27MUSDC0%5.14%6.9%
Zerobase-cedefiBSC18.54MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.03MUSDC2%8.76%6.76%
Yearn-financeEthereum6.08MUSDC0%6.61%6.75%
Fusion-by-iporBase1.14MUSDC0%6.09%6.61%
Extra-finance-leverage-farmingBase3.60MUSDC0%7.06%6.44%
Midas-rwaEthereum36.31MUSDC0%6.98%6.43%
LoopscaleSolana3.65MUSDC0.31%7.02%6.3%
SymbiosisEthereum1.54MUSDC0%4.7%6.29%
AccountableMonad9.11MUSDC0.5%7.18%6.13%
AccountableEthereum1.80MUSDC20.57%25.87%6.05%
Sentora-curatorEthereum65.65MUSDC0%6.38%6.05%
AutofinanceBase4.73MUSDC3.93%7.83%5.99%
Kamino-lendSolana8.80MUSDC0%7.47%5.92%
Hyperlend-pooledHyperliquid L112.45MUSDC0%6.37%5.89%
Centrifuge-protocolAvalanche262.04MUSDC0%5.26%5.76%
Centrifuge-protocolBase50.53MUSDC0%5.26%5.76%
Centrifuge-protocolEthereum7.53MUSDC0%5.26%5.76%
Alchemix-v3Ethereum7.92MUSDC0%4.86%5.69%
Fusion-by-iporEthereum2.59MUSDC0%5.72%5.61%
Midas-rwaEthereum6.42MUSDC0%8.24%5.43%
Midas-rwaEtherlink1.12MUSDC0%8.23%5.43%
Storm-tradeTON3.03MUSDT0%5.47%5.37%
Fluid-lendingEthereum131.95MUSDT0%4.73%5.36%
SymbioticEthereum1.01MUSDC0%5.76%5.25%
SymbioticEthereum1.01MUSDC0%5.76%5.25%
AutofinanceEthereum8.05MUSDC0.81%5.88%5.22%
Yearn-financeBase1.73MUSDC0%4.97%5.05%
Midas-rwaEthereum1.79MUSDC0%11.67%4.98%
Lista-lendingBSC2.34MUSDT1.74%7.21%4.88%
Fluid-lendingBase8.83MUSDC0%5.08%4.84%
MapleEthereum1BUSDT0%4.34%4.83%
Benqi-lendingAvalanche2.72MUSDC0%4.58%4.76%
Navi-lendingSui7.51MUSDC0.48%5.52%4.72%
Midas-rwaEtherlink4.83MUSDC0%11.76%4.71%
Nawa-protocolZIGChain3.42MUSDC0%8.88%4.65%
Compound-v3Ethereum35.58MUSDC0%4.36%4.56%
Yo-protocolBase8.42MUSDC0%4.13%4.49%
Yo-protocolEthereum1.51MUSDC0%4.13%4.49%
Flux-financeEthereum1.89MUSDT0%4.42%4.47%
Fusion-by-iporBase1.14MUSDC3.5%7.3%4.47%
ExactlyOP Mainnet1.78MUSDC0%4.37%4.38%
DolomiteArbitrum1.31MUSDC0%4.36%4.33%
ExactlyOP Mainnet1.78MUSDC0%4.31%4.32%
ExactlyOP Mainnet1.78MUSDC0%4.27%4.3%
Kamino-lendSolana3.08MUSDC0%6.32%4.29%
Kamino-lendSolana6.74MUSDC0%5.88%4.24%
ExactlyOP Mainnet1.78MUSDC0%4.2%4.24%
ExactlyOP Mainnet1.78MUSDC0%4.2%4.2%
Fluid-lendingEthereum150.32MUSDC0%5%4.19%
Fluid-lendingEthereum4MUSDC0%5.01%4.19%
ExactlyOP Mainnet1.78MUSDC0%4.06%4.12%
ExactlyOP Mainnet1.78MUSDC0%3.83%4.03%
Jupiter-lendSolana18.29MUSDT0%3.77%4%
TydroInk10.12MUSDC0%2.82%3.99%
Euler-v2Monad1.38MUSDC0%3.91%3.94%
TermmaxEthereum3.34MUSDC0%4.03%3.94%
Ember-protocolEthereum2.04MUSDC0%3.44%3.93%
Aave-v3Base17.91MUSDC0%3.47%3.88%
Aave-v3Polygon1.10MDAI0%4.16%3.84%
Yearn-financeEthereum2.43MUSDC0%3.66%3.82%
ExactlyOP Mainnet1.78MUSDC0%4.05%3.82%
Yearn-financeEthereum19.90MUSDC0%3.48%3.78%
Midas-rwaEthereum3.49MUSDC0%3.78%3.78%
Aave-v3Avalanche2.50MUSDT0%3.64%3.77%
AmpleBase4.41MUSDC0%4.07%3.76%
Jupiter-lendSolana465.21MUSDC0.39%5.18%3.76%
ExactlyOP Mainnet1.78MUSDC0%3.38%3.75%
Flux-financeEthereum2.59MUSDC0%3.73%3.73%
Midas-rwaEthereum72.17MUSDC0%3.24%3.64%
Midas-rwaEtherlink1.22MUSDC0%3.24%3.64%
Kamino-lendSolana21.39MUSDC0%5.03%3.61%
Kamino-lendSolana1.87MUSDC0%5.25%3.61%
Aave-v3Ethereum189.57MUSDT0%3.14%3.61%
Aave-v3Ethereum71.08MUSDT1.44%4.54%3.61%
Spark-savingsEthereum308.96MUSDC0%3.52%3.6%
Spark-savingsAvalanche9.53MUSDC0%3.52%3.6%
Aave-v3Ethereum156.59MUSDC0%3.81%3.58%
Aave-v3Ethereum58.13MUSDC1.67%5.29%3.58%
Aave-v3Monad13.20MUSDC2.1%5.54%3.55%
SparklendEthereum2MUSDC0%3.48%3.54%
Fluid-lendingArbitrum63.27MUSDC0%4.57%3.43%
Benqi-lendingAvalanche1.07MUSDT0%3.4%3.43%
LoopscaleSolana1.34MUSDC7.33%9.64%3.34%
Yearn-financeEthereum7.44MDAI0%3.16%3.31%
Native-credit-poolEthereum1.77MUSDT0%3.1%3.31%
Yearn-financeEthereum5.78MUSDT0%3.17%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Aave-v4Ethereum1.43MUSDT0%2.85%3.28%
Aave-v3Avalanche7.79MUSDC0%3.72%3.28%
DolomiteEthereum30.52MUSDC4.21%7.53%3.25%
Spark-savingsEthereum362.74MUSDT0%3.04%3.25%
Centrifuge-protocolMonad4.55MUSDC0%3.54%3.25%
Centrifuge-protocolPharos4.40MUSDC0%3.56%3.25%
Aave-v4Ethereum1.31MUSDC0%4.04%3.23%
Lista-lendingBSC2.75MUSDT0%1.11%3.17%
Euler-v2Ethereum3.95MUSDC0%3.17%3.17%
Native-credit-poolBSC2.48MUSDT0%3.13%3.14%
Kamino-lendSolana2.51MUSDT0%4.02%3.07%
CurvanceMonad2.72MUSDC2.25%5.28%3.05%
Aave-v3Ethereum19.06MDAI0%2.81%2.98%
Compound-v3Ethereum31.99MUSDT0%3.11%2.98%
Venus-core-poolBSC58.61MUSDT0%2.28%2.87%
SaveSolana5.81MUSDC0%2.51%2.84%
Compound-v3Arbitrum3.13MUSDC0%2.77%2.84%
Aave-v3BSC2.68MUSDC0%2.92%2.84%
Aave-v3BSC11.36MUSDT0%2.22%2.8%
Aave-v3Arbitrum27.85MUSDC0%2.4%2.79%
Aave-v3Polygon12.64MUSDC0%2.84%2.74%
Lista-lendingBSC2.66MUSDT0%2.25%2.69%
SparklendEthereum68.15MUSDT0%3.53%2.62%
Compound-v3Arbitrum4.11MUSDT0%2.36%2.59%
Aave-v3Ethereum1.53MUSDC0%2.54%2.58%
Centrifuge-protocolEthereum1.87MUSDC0%2.04%2.53%
Aave-v3Mantle1.77MUSDC0%1.97%2.49%
SparklendEthereum100.05MDAI0%2.2%2.46%
Aave-v3OP Mainnet2.48MUSDC0%2.59%2.44%
Venus-core-poolBSC17.26MUSDC0%2.31%2.34%
Scallop-lendSui1.07MUSDC0%2.56%2.33%
Spectra-metavaultsBase3.02MUSDC0%2.6%2.31%
Gami-labsBase3.02MUSDC0%2.58%2.31%
Justlend-v1Tron71.74MUSDT0%2.28%2.29%
Midas-rwaEthereum26.21MUSDC0%5.69%2.04%
Aave-v3Arbitrum1.09MDAI0%1.95%1.99%
Neutral-tradeSolana3.33MUSDC0%6.22%1.88%
Aave-v3Sonic1.14MUSDC0%1.87%1.88%
CurrentSui13.89MUSDC7.46%9.64%1.84%
Venus-core-poolBSC1.02MDAI0%1.83%1.83%
Lista-lendingBSC1.01MUSDT0%1.85%1.82%
Echelon-marketAptos1.49MUSDC1.49%3.47%1.74%
SaveSolana2.38MUSDT0%1.54%1.68%
NeverlandMonad2.23MUSDC6.55%8.64%1.51%
Aave-v4Ethereum2.03MUSDC0%1.91%1.42%
Lista-lendingEthereum4.46MUSDC7.02%6.78%0.88%
ExactlyOP Mainnet1.78MUSDC0%0.96%0.85%
Zest-v2Stacks10.14MUSDC0%0.58%0.76%
Lista-lendingEthereum2.84MUSDT6.6%5.94%0.43%
Aave-v4Avalanche5.24MUSDC4.71%2.73%0.41%
Kamino-lendSolana3.25MUSDC0%0.09%0.34%
AcrossEthereum1.10MUSDC4.19%4.2%0.33%
TectonicCronos45.05MUSDT0%0.2%0.15%
TectonicCronos53.73MUSDC0%0.12%0.12%
CredixSolana13.48MUSDC0%0.04%0.04%
Kamino-lendSolana2.17MUSDC0%0%0%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum8113M4.77%
Avalanche7290.9M3.57%
Base17138.6M6.38%
BSC15156.1M4.3%
Ethereum753.4B7.03%
Hyperliquid000%
Mantle11.8M2.49%
Optimism000%
Polygon213.7M3.29%
Solana18567.8M4.24%
TON13M5.37%
zkSync Era000%