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
20/10/2026 00:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableMonad1.14MUSDC0%33.16%183.76%
Harvest-financeBase1.76MUSDC0%26.18%27.39%
EnsuroEthereum1.30MUSDC0%21.95%25.46%
VerantaBase9.83MUSDC0%19.37%24.09%
AccountableEthereum3.40MUSDC0%12.84%15.57%
AccountableEthereum1.23MUSDC0%14.91%14.25%
AccountableMonad6.36MUSDC0.84%15.38%13.37%
Ember-protocolEthereum1.64MUSDC0%12.93%12.93%
Ember-protocolEthereum2.63MUSDC0%13.01%12.9%
AccountableEthereum12.10MUSDC0%12.24%12.13%
AccountableMonad5.44MUSDC0.44%12.1%11.64%
Ember-protocolEthereum18.02MUSDC0%11.1%11.53%
Vectis-financeEthereum1.80MUSDC0%13.34%10.85%
Pareto-creditEthereum11.10MUSDC0%10.59%10.59%
Midas-rwaEthereum26.36MUSDC0%8.43%10.21%
AguaEthereum11.52MUSDC0%10%10%
AguaMonad9.08MUSDC0%10%10%
Ember-protocolSui10.32MUSDC0%10.12%10%
Rhea-lendNear1.94MUSDC0%9.02%9.51%
AccountableMonad74.97MUSDC0.23%11.07%9.5%
Ember-protocolEthereum3.67MUSDC0%9.54%9.43%
Benqi-lendingAvalanche1.34MUSDC0%7.6%9.41%
Pareto-creditEthereum2.02MUSDC0%9.38%9.38%
Gains-networkArbitrum4.22MUSDC0%27.26%9.36%
Nawa-protocolZIGChain3.46MUSDC0%10.41%9.33%
Centrifuge-protocolEthereum2.69MUSDT0%6.85%8.79%
Neutral-tradeSolana1.27MUSDC0%8.17%8.58%
Aave-v3Avalanche3.17MUSDC0%5.71%8.55%
Midas-rwaEthereum7.93MUSDC0%7.21%8.5%
AccountableEthereum2.82MUSDC10.69%29.69%8.15%
Vectis-financeSolana2.71MUSDC0%7.11%8.14%
Pareto-creditEthereum130.68MUSDC0%7.97%8.06%
Bitway-earnBSC21.75MUSDT0%8%8%
Ember-protocolSui8.52MUSDC4%12%8%
Kamino-lendSolana55.21MUSDC0%8.19%7.9%
Neutral-tradeSolana2.05MUSDC0%10.39%7.78%
Jupiter-lendSolana474.75MUSDC0%6.13%7.72%
Neutral-tradeSolana1.38MUSDC0%48.75%7.71%
Coinmerce-capitalHyperliquid L11.74MUSDC0%6.7%7.64%
Kamino-lendSolana7.27MUSDC0%7.62%7.61%
Bitway-earnBSC1.59MUSDT0%7.5%7.5%
Sentora-curatorEthereum97.12MUSDC0%7.65%7.49%
Midas-rwaEthereum65.96MUSDC0%7.49%7.46%
Rhea-lendNear2.20MUSDT0%9.38%7.36%
Yearn-financeEthereum7.46MUSDC0%6.88%7.06%
AccountableMonad2.17MUSDC0.22%7.58%7.03%
Zerobase-cedefiEthereum14.19MUSDT2%9%7%
Zerobase-cedefiBase10.53MUSDC2%9%7%
Zerobase-cedefiArbitrum7.61MUSDT2%9%7%
Zerobase-cedefiBSC16.76MUSDT2%8.76%6.76%
Zerobase-cedefiBSC1.89MUSDC2%8.76%6.76%
Midas-rwaEthereum3.41MUSDC0%6.97%6.72%
Midas-rwaEthereum1.44MUSDC0%6.97%6.72%
Pareto-creditEthereum21.90MUSDC0%6.62%6.62%
Harvest-financeBase1.07MUSDC0%6.87%6.42%
Midas-rwaEthereum28.82MUSDC0%7.36%6.38%
Yearn-financeEthereum11.67MUSDC0%6.7%6.26%
Compound-v3Ethereum14.55MUSDT0%3.89%6.25%
Midas-rwaBase51.54MUSDC0%5.4%6.2%
Midas-rwaRobinhood Chain36.04MUSDC0%5.4%6.2%
Kamino-lendSolana4.67MUSDC0.02%6.25%6.16%
AccountableMonad6.67MUSDC0.21%6%6.13%
Midas-rwaEthereum34.06MUSDC0%6.22%6.1%
AccountableEthereum1.79MUSDC0%12.79%6%
Fluid-lendingArbitrum59.01MUSDC0%5.23%5.91%
Fusion-by-iporEthereum1.28MUSDC0%6.3%5.87%
Blend-pools-v2Stellar14.92MUSDC0%7.19%5.82%
Fluid-lendingEthereum135.22MUSDC0%5.28%5.79%
Harmonix-financeHyperliquid L115.01MUSDC0%6.24%5.76%
Compound-v3Ethereum35.29MUSDC0%4.83%5.76%
Alchemix-v3Ethereum7.82MUSDC0%5.35%5.72%
Euler-v2Monad3.66MUSDC1.25%7.8%5.68%
SymbiosisEthereum1.10MUSDC0%4.43%5.66%
Kamino-lendSolana14.35MUSDC0.12%6.58%5.44%
MapleEthereum739.04MUSDT0%5.26%5.33%
Navi-lendingSui7.02MUSDC0.55%5.44%5.24%
Harvest-financeEthereum1.16MUSDC0%6.09%5.24%
Kamino-lendSolana1.32MUSDC0.11%5.7%5.2%
Kamino-lendSolana10.91MUSDC0.34%5.92%5.18%
Aave-v4Ethereum2.59MUSDC0%5%5.18%
Kamino-lendSolana1.06MUSDC0.12%5.62%5.15%
SymbioticEthereum1.01MUSDC0%6.08%5.14%
AutofinanceEthereum7.54MUSDC0.8%6.24%5.11%
Kamino-lendSolana1.58MUSDC0.09%5.54%4.98%
Fluid-lendingBase10.90MUSDC3.27%8.12%4.92%
Yearn-financeBase1.52MUSDC0%4.85%4.91%
Hyperlend-pooledHyperliquid L14.94MUSDC0%4.51%4.85%
Fusion-by-iporBase2.94MUSDC0%4.61%4.82%
Kamino-lendSolana64.96MUSDC0.06%5.4%4.81%
Yo-protocolBase7.58MUSDC0%4.38%4.71%
Yo-protocolEthereum1.87MUSDC0%4.38%4.71%
Ember-protocolEthereum2.05MUSDC0%4.36%4.67%
Kamino-lendSolana2.09MUSDC0%5.18%4.55%
Kamino-lendSolana1.35MUSDC0%4.8%4.53%
Kamino-lendSolana1.39MUSDC0%4.82%4.53%
Kamino-lendSolana10.36MUSDC0%5.23%4.53%
Centrifuge-protocolAvalanche263.17MUSDC0%3.73%4.51%
Centrifuge-protocolBase22.77MUSDC0%3.71%4.51%
Centrifuge-protocolBSC1.02MUSDC0%3.71%4.51%
Centrifuge-protocolEthereum9.32MUSDC0%3.66%4.5%
TydroInk13.80MUSDC0%4.27%4.45%
Flux-financeEthereum1.95MUSDT0%4.44%4.44%
Kamino-lendSolana2.06MUSDC0.02%5.13%4.42%
Kamino-lendSolana2.61MUSDT0%4.61%4.41%
Kamino-lendSolana2.41MUSDC0.03%4.36%4.38%
Kamino-lendSolana4.04MUSDC0%5.6%4.35%
ExactlyOP Mainnet1.54MUSDC0%4.34%4.35%
AutofinanceBase3.51MUSDC4.13%9.82%4.31%
ExactlyOP Mainnet1.54MUSDC0%4.3%4.3%
Jupiter-lendSolana17.11MUSDT0%4.12%4.3%
Kamino-lendSolana19.52MUSDC0%4.43%4.28%
Yearn-financeEthereum2.40MUSDC0%4.17%4.27%
ExactlyOP Mainnet1.54MUSDC0%4.23%4.25%
Fluid-lendingEthereum129.34MUSDT0%4.45%4.23%
ExactlyOP Mainnet1.54MUSDC0%4.2%4.22%
Fusion-by-iporBase1.07MUSDC1.79%6.26%4.16%
ExactlyOP Mainnet1.54MUSDC0%4.31%4.14%
Flux-financeEthereum1.60MUSDC0%4.14%4.14%
Aave-v3Monad15.50MUSDC1.48%6.16%4.13%
Venus-core-poolBSC6.76MUSDC0%3.79%4.1%
ExactlyOP Mainnet1.54MUSDC0%4.26%4.09%
CurvanceMonad4.36MUSDC1.92%6.13%4.04%
SaveSolana3.87MUSDC0%3.19%4.02%
ExactlyOP Mainnet1.54MUSDC0%2.76%4.02%
ExactlyOP Mainnet1.54MUSDC0%4.05%4%
ExactlyOP Mainnet1.54MUSDC0%4.04%3.98%
DolomiteArbitrum1.42MUSDC0%4.62%3.97%
Aave-v3Base18.81MUSDC1.85%4.5%3.96%
Aave-v3Polygon1.03MDAI0%4.41%3.94%
ExactlyOP Mainnet1.54MUSDC0%3.83%3.94%
Midas-rwaEthereum6.45MUSDC0%3.92%3.91%
Midas-rwaEtherlink1.13MUSDC0%3.92%3.91%
Spark-savingsEthereum297.19MUSDC0%3.68%3.8%
Spark-savingsAvalanche1.62MUSDC0%3.68%3.8%
Aave-v3Ethereum151.05MUSDC0%4.35%3.78%
Aave-v3Ethereum54.32MUSDC1.79%5.96%3.78%
Spark-savingsEthereum690.73MUSDT0%3.62%3.75%
Echelon-marketAptos1.25MUSDC2.48%5.97%3.68%
Yearn-financeEthereum19.48MUSDC0%3.66%3.68%
Yearn-financeEthereum1.12MUSDC0%3.46%3.68%
Kamino-lendSolana1.40MUSDC0%3.82%3.67%
Storm-tradeTON2.68MUSDT0%4.49%3.67%
SparklendEthereum4.71MUSDC0%3.43%3.56%
Aave-v3Avalanche2.70MUSDT0%3.94%3.56%
Lista-lendingBSC2.79MUSDT0%3.98%3.5%
Kamino-lendSolana1.43MUSDC0%2.87%3.49%
Venus-core-poolBSC42.44MUSDT0%3.32%3.45%
Extra-finance-leverage-farmingBase3.57MUSDC0%6.32%3.4%
SparklendEthereum15.86MUSDT0%3.4%3.39%
Yearn-financeEthereum5.69MUSDT0%3.29%3.35%
Aave-v4Ethereum1.35MUSDC0%4.56%3.35%
Aave-v3Ethereum12.05MDAI0%3.3%3.35%
Zerobase-cedefiOP Mainnet8.09MUSDT2%5.3%3.3%
Yearn-financeEthereum6.76MDAI0%2.91%3.22%
Aave-v3Ethereum1.25MUSDC0%3.26%3.22%
Aave-v3Polygon10.11MUSDC0%3.07%3.2%
Aave-v3Ethereum420.25MUSDT0%3.87%3.15%
Aave-v3Ethereum62.12MUSDT1.64%5.45%3.15%
Aave-v3BSC2.27MUSDC0%3.28%3.14%
Kamino-lendSolana6.79MUSDC4.99%8.55%3.14%
Compound-v3Arbitrum1.91MUSDC0%3.05%3.13%
SaveSolana1.57MUSDT0%2.09%3.11%
DolomiteEthereum35.12MUSDC3.47%7.29%3.06%
Aave-v3BSC11.82MUSDT0%2.94%3.02%
Ember-protocolSui8.72MUSDC0%11.71%3.02%
Ember-protocolEthereum6.13MUSDC0%10.3%3.02%
SparklendEthereum76.03MDAI0%2.75%2.85%
Spectra-metavaultsBase3.04MUSDC0%3.48%2.84%
Gami-labsBase3.04MUSDC0%3.48%2.84%
Midas-rwaEthereum74.91MUSDC0%3.29%2.75%
Midas-rwaEtherlink1.23MUSDC0%3.29%2.75%
Aave-v4Ethereum6.13MUSDT0%3.96%2.7%
NeverlandMonad1.01MUSDC4.77%10.18%2.69%
Neutral-tradeSolana3.84MUSDC0%13.05%2.61%
Centrifuge-protocolBase6.56MUSDC0%3.77%2.49%
Centrifuge-protocolPharos4.73MUSDC0%3.6%2.49%
Centrifuge-protocolBSC1.02MUSDC0%3.6%2.49%
SymbioticEthereum1.01MUSDC0%2.93%2.45%
SymbioticEthereum1.01MUSDC0%2.93%2.45%
Lista-lendingBSC1.38MUSDT0%2.95%2.39%
Compound-v3Arbitrum5.29MUSDT0%2.46%2.31%
CurrentSui1.08MUSDT2.69%6.47%2.29%
Aave-v3Arbitrum54.10MUSDC0%3.07%2.28%
Justlend-v1Tron85.70MUSDT0%2.11%2.2%
Native-credit-poolEthereum1.13MUSDC0%3.96%2.09%
CurrentSui21.87MUSDC4.76%7.87%2%
Lista-lendingEthereum4.49MUSDC5.42%7.09%1.4%
Midas-rwaEtherlink4.95MUSDC0%4.51%1.38%
Native-credit-poolEthereum3.77MUSDT0%2.56%1.17%
ExactlyOP Mainnet1.54MUSDC0%1.09%1.07%
Lista-lendingEthereum4.13MUSDT4.89%5.74%1.02%
Lista-lendingBSC1.01MUSDC5.2%6.03%0.83%
Aave-v4Avalanche6.45MUSDC3.93%4.24%0.56%
TectonicCronos1.52MUSDC0.02%0.48%0.4%
AcrossEthereum1.12MUSDT2.91%3.6%0.33%
Aave-v4Avalanche7.68MUSDT5.75%5.54%0.27%
CredixSolana13.41MUSDC0%0.05%0.03%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum7133.6M4.85%
Avalanche7286.1M4.38%
Base17160M7%
BSC13112.5M4.34%
Ethereum743.6B6.03%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon211.1M3.57%
Solana31738.7M5.06%
TON12.7M3.67%
zkSync Era000%