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 3.74% on Jul 06 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
08/07/2026 17:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableEthereum1.04MUSDC0%14.28%14.25%
AccountableEthereum1.04MUSDC0%14.28%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Harvest-financeBase1.86MUSDC0%17.21%13.06%
Ember-protocolEthereum5.65MUSDC0%12.75%12.9%
AccountableEthereum2.13MUSDC0%8.19%11.74%
AccountableMonad49.90MUSDC0.41%11.57%11.6%
Midas-rwaEthereum73.43MUSDC0%14.19%10.84%
Midas-rwaEthereum1.88MUSDC0%9.82%10.71%
Midas-rwaEthereum45.85MUSDC0%10.55%10.54%
Midas-rwaMonad2.94MUSDC0%10.55%10.54%
GoldfinchEthereum36.72MUSDC0%10.12%10.12%
AccountableMonad5.20MUSDC0.5%10.35%10%
Ember-protocolSui1.09MUSDC0%8.81%9.73%
Hyperlend-pooledHyperliquid L18.16MUSDC0%6.15%9.54%
Ember-protocolSui1.20MUSDC0%11.42%9.52%
Bracket-vaultsEthereum2.65MUSDC0%9.9%9.51%
AccountableMonad8.96MUSDC0.5%9.8%9.47%
SymbiosisTron1.56MUSDT0%6.3%9.22%
Ember-protocolEthereum3.26MUSDC0%9.12%9.19%
Harmonix-financeHyperliquid L121.03MUSDC0%9.62%8.93%
Midas-rwaEthereum6.64MUSDC0%8.02%8.9%
Midas-rwaEthereum2.49MUSDC0%8.02%8.9%
YieldseekerBase1.87MUSDC0%7.91%8.8%
Fluid-lendingBase8.55MUSDC0%5.49%8.78%
Midas-rwaEthereum7.73MUSDC0%8.87%8.71%
Ember-protocolSui2.82MUSDC0%9.27%8.48%
AvantisBase30.05MUSDC0%9.82%8.25%
Ember-protocolSui6.96MUSDC4%12%8%
Bitway-earnBSC23.15MUSDT0%9.49%8%
Blend-pools-v2Stellar11.62MUSDC0%6.83%7.71%
Spectra-metavaultsBase3.01MUSDC0%3.23%7.53%
Gami-labsBase3.01MUSDC0%3.17%7.53%
LoopscaleSolana1.23MUSDC0.32%8.05%7.37%
Kamino-lendSolana3.19MUSDC0%6.8%7.23%
Midas-rwaEtherlink3.77MUSDC0%5.96%7.18%
Zerobase-cedefiArbitrum7.63MUSDT2%9%7%
Zerobase-cedefiEthereum14.13MUSDT2%9%7%
Gami-labsStellar15.16MUSDC0%7%7%
Extra-finance-leverage-farmingBase3.40MUSDC0%6.63%6.85%
Ember-protocolSui1.12MUSDC5.05%11.81%6.81%
AccountableMonad2.94MUSDC0.5%7.46%6.79%
Zerobase-cedefiBSC1.93MUSDC2%8.76%6.76%
Zerobase-cedefiBSC21.42MUSDT2%8.76%6.76%
SymbiosisEthereum1.16MUSDC0%7.33%6.65%
Fluid-lendingArbitrum36.98MUSDC0%5.93%6.51%
Yearn-financeEthereum5.58MUSDC0%5.17%6.48%
Ember-protocolSui1.36MUSDC0%8.2%6.33%
AutofinanceEthereum8.15MUSDC0.4%6.34%6.31%
Centrifuge-protocolPlume Mainnet32.96MUSDC0%2.94%6.22%
Harvest-financeEthereum1.13MUSDC0%7.88%6.18%
Fluid-lendingEthereum134.05MUSDC0%6.33%6.08%
Fluid-lendingEthereum9.35MUSDC0%5.51%6.08%
SparklendEthereum19.62MUSDT0%2.69%6.05%
Yearn-financeEthereum8.32MUSDC0%5.52%5.93%
Storm-tradeTON3.61MUSDT0%5.97%5.8%
Fusion-by-iporEthereum1.92MUSDC0%6.17%5.74%
AutofinanceBase5.99MUSDC2.04%7.41%5.58%
Fluid-lendingEthereum124.64MUSDT0%5.61%5.51%
Navi-lendingSui6.16MUSDC0.41%6.02%5.18%
Yearn-financeBase1.75MUSDC0%4.77%5.04%
Centrifuge-protocolMonad4.52MUSDC0%3%4.99%
AmpleBase4.29MUSDC0%4.64%4.97%
AccountableEthereum4.10MUSDC9.85%13.24%4.97%
Euler-v2Monad2.16MUSDC3.14%5.07%4.95%
Centrifuge-protocolBase50.15MUSDC0%4.08%4.92%
Centrifuge-protocolAvalanche260.07MUSDC0%4.08%4.92%
Centrifuge-protocolEthereum5.87MUSDC0%4.07%4.92%
Centrifuge-protocolBase2.22MUSDC0%4.08%4.92%
Lista-lendingBSC6.12MUSDT0%5.15%4.88%
Kamino-lendSolana5.22MUSDC0%4.84%4.85%
Yearn-financeEthereum1.18MUSDC0%4.12%4.81%
DolomiteArbitrum1.39MUSDC0%4.05%4.5%
Lista-lendingBSC4.99MUSDT0%4.6%4.45%
Flux-financeEthereum1.92MUSDT0%4.49%4.44%
Kamino-lendSolana11.08MUSDC0%4.33%4.41%
Kamino-lendSolana1.58MUSDC0%4.19%4.41%
ExactlyOP Mainnet1.78MUSDC0%4.16%4.27%
Midas-rwaEtherlink1.11MUSDC0%2.86%4.23%
Midas-rwaEthereum7.15MUSDC0%2.87%4.23%
Moonwell-lendingBase2.05MUSDC0.37%5.56%4.19%
ExactlyOP Mainnet1.78MUSDC0%4.14%4.19%
ExactlyOP Mainnet1.78MUSDC0%4.07%4.17%
ExactlyOP Mainnet1.78MUSDC0%4.05%4.1%
ExactlyOP Mainnet1.78MUSDC0%3.95%4.05%
ExactlyOP Mainnet1.78MUSDC0%3.96%3.99%
MapleEthereum1.01BUSDT0%4.13%3.99%
Folks-finance-xchainPolygon1.26MUSDT0%4.01%3.96%
Yo-protocolEthereum2.38MUSDC0%4.24%3.95%
Yo-protocolBase10.46MUSDC0%4.24%3.95%
Benqi-lendingAvalanche4.29MUSDC0%3.73%3.93%
ExactlyOP Mainnet1.78MUSDC0%3.76%3.88%
ExactlyOP Mainnet1.78MUSDC0%4.06%3.87%
ExactlyOP Mainnet1.78MUSDC0%3.71%3.87%
TermmaxBase1.20MUSDC0%4.09%3.83%
Centrifuge-protocolPharos15.10MUSDC0%3.61%3.76%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum346M6%
Avalanche2264.4M4.43%
Base15129.9M6.55%
BSC557.6M6.17%
Ethereum311.6B7.74%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.3M3.96%
Solana522.3M5.65%
TON13.6M5.8%
zkSync Era000%