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
24/09/2026 22:00:05

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Neutral-tradeSolana2.30MUSDC0%24.44%77.73%
Gains-networkArbitrum4.52MUSDC0%26.64%49.65%
Harvest-financeBase1.85MUSDC0%44.32%23.33%
Ember-protocolEthereum17.71MUSDC0%11.23%21.34%
VerantaBase9.80MUSDC0%13.39%21.04%
Neutral-tradeSolana3.51MUSDC0%9.72%20.74%
AccountableEthereum2.24MUSDC16.57%36.66%20.73%
EnsuroEthereum1.24MUSDC0%20.48%17.94%
AccountableEthereum3.39MUSDC0%11.59%17.84%
AccountableMonad7.50MUSDC1.12%16.42%16.34%
Nawa-protocolZIGChain3.44MUSDC0%8.27%15.04%
AccountableEthereum1.05MUSDC0.75%14.97%14.25%
Midas-rwaEthereum1.70MUSDC0%8.17%13.66%
Neutral-tradeSolana2.21MUSDC0%15.02%13.22%
Ember-protocolEthereum1.64MUSDC0%28.72%12.93%
Ember-protocolEthereum3.94MUSDC0%12.97%12.9%
AccountableEthereum13.89MUSDC0%12.3%12.51%
Ember-protocolSui2.48MUSDC0%2.53%12.51%
Ember-protocolSui1.12MUSDC0%10.28%12.19%
AccountableMonad5.44MUSDC0.5%12.09%11.64%
AccountableMonad74.98MUSDC0.33%11.62%11.4%
Ember-protocolEthereum10.32MUSDC0%9.81%11.08%
Centrifuge-protocolMonad10.07MUSDC0%1.94%10.64%
Pareto-creditEthereum11.01MUSDC0%10.59%10.59%
Ember-protocolSui9.08MUSDC0%10.1%10.44%
AguaEthereum7.49MUSDC0%10%10%
Ember-protocolEthereum3.39MUSDC0%9.54%9.75%
Pareto-creditEthereum2.19MUSDC0%9.38%9.38%
Aave-v4Ethereum1.10MUSDT0%4%8.45%
Neutral-tradeSolana1.26MUSDC0%10.03%8.38%
Rhea-lendNear1.82MUSDC0%9.11%8.25%
Rhea-lendNear1.73MUSDT0%11.08%8.04%
Bitway-earnBSC25.16MUSDT0%8%8%
Ember-protocolSui8.86MUSDC4%12%8%
Benqi-lendingAvalanche1.43MUSDC0%5.45%7.87%
Sentora-curatorEthereum74.39MUSDC0%6.84%7.86%
Pareto-creditEthereum154.92MUSDC0%7.86%7.82%
Midas-rwaEthereum7.49MUSDC0%7.55%7.67%
Blend-pools-v2Stellar10.18MUSDC0%7.44%7.67%
Bitway-earnBSC6.50MUSDT0%7.5%7.5%
Midas-rwaEthereum65.34MUSDC0%7.51%7.47%
Centrifuge-protocolPlume Mainnet20.79MUSDC0%2.8%7.25%
Harvest-financeBase1.16MUSDC0%7.22%7.06%
Zerobase-cedefiEthereum14.08MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.62MUSDT2%9%7%
AccountableMonad2.34MUSDC0.5%7.32%6.79%
Zerobase-cedefiBSC18.11MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.19MUSDC2%8.76%6.76%
LoopscaleSolana1.59MUSDC0.33%7.1%6.76%
Yearn-financeEthereum7.58MUSDC0%6.79%6.75%
Pareto-creditEthereum22.06MUSDC0%6.83%6.62%
Midas-rwaEthereum26.25MUSDC0%6.77%6.48%
Midas-rwaEthereum31.45MUSDC0%6.52%6.47%
Yearn-financeEthereum11.90MUSDC0%6.57%6.3%
Midas-rwaRobinhood Chain34.71MUSDC0%0.43%6.24%
Midas-rwaBase26.64MUSDC0%0.42%6.24%
Kamino-lendSolana7.88MUSDC0%7.17%6.17%
Kamino-lendSolana5.71MUSDC0%4.56%6.16%
Extra-finance-leverage-farmingBase3.75MUSDC0%6.44%6.15%
Centrifuge-protocolAvalanche262.69MUSDC0%4.93%6.14%
Centrifuge-protocolBase22.66MUSDC0%4.94%6.14%
Centrifuge-protocolBSC1.02MUSDC0%4.94%6.14%
Midas-rwaEthereum67.72MUSDC0%7.02%6.1%
Harmonix-financeHyperliquid L122.04MUSDC0%6.98%6.08%
Midas-rwaEthereum5.18MUSDC0%7.04%6%
Midas-rwaEthereum2.52MUSDC0%7.04%6%
Fusion-by-iporEthereum1.28MUSDC0%6.47%5.9%
Midas-rwaEtherlink4.94MUSDC0%7.74%5.82%
Harvest-financeEthereum1.16MUSDC0%9.42%5.7%
Euler-v2Monad5.93MUSDC1.25%7.88%5.54%
AutofinanceBase3.51MUSDC5.97%9.63%5.51%
Aave-v3Avalanche5.23MUSDC0%4.42%5.4%
AccountableMonad7.42MUSDC0.5%6.08%5.33%
Alchemix-v3Ethereum7.80MUSDC0%5.49%5.29%
AutofinanceEthereum7.62MUSDC1.16%6.13%5.26%
Aave-v3Arbitrum13.37MUSDC0%2.77%5.05%
Fluid-lendingEthereum129.45MUSDC0%4.64%4.98%
Native-credit-poolEthereum1.09MUSDC0%4.93%4.93%
MapleEthereum640.02MUSDT0%4.69%4.92%
Yearn-financeBase1.50MUSDC0%5.01%4.91%
Storm-tradeTON2.73MUSDT0%5.26%4.86%
Midas-rwaEthereum6.43MUSDC0%4.32%4.74%
Midas-rwaEtherlink1.12MUSDC0%4.29%4.74%
Venus-core-poolBSC5.17MUSDC0%2.97%4.71%
Centrifuge-protocolEthereum9.30MUSDC0%4.93%4.71%
Navi-lendingSui9.42MUSDC0.53%5.28%4.69%
Fusion-by-iporBase2.07MUSDC0%6.96%4.65%
Aave-v3Avalanche2.31MUSDT0%4.07%4.63%
Yo-protocolBase8.12MUSDC0%4.21%4.54%
Yo-protocolEthereum1.35MUSDC0%4.22%4.54%
Jupiter-lendSolana469.77MUSDC0.38%4.8%4.53%
Kamino-lendSolana2.84MUSDC0%5.44%4.53%
Fluid-lendingEthereum129.93MUSDT0%4.76%4.47%
Fluid-lendingArbitrum64.65MUSDC0%4.14%4.47%
Flux-financeEthereum1.94MUSDT0%4.45%4.44%
Kamino-lendSolana3.43MUSDC0%5.28%4.43%
ExactlyOP Mainnet1.56MUSDC0%4.38%4.39%
Lista-lendingBSC1.94MUSDT0%6.69%4.36%
ExactlyOP Mainnet1.56MUSDC0%4.31%4.34%
ExactlyOP Mainnet1.56MUSDC0%4.33%4.33%
Aave-v3Monad10.90MUSDC1.72%5.95%4.29%
ExactlyOP Mainnet1.56MUSDC0%4.25%4.29%
Ember-protocolEthereum2.04MUSDC0%4.29%4.28%
TydroInk16.62MUSDC0%4.09%4.25%
ExactlyOP Mainnet1.56MUSDC0%4.15%4.22%
CurvanceMonad3.14MUSDC1.8%5.65%4.21%
ExactlyOP Mainnet1.56MUSDC0%4.19%4.18%
ExactlyOP Mainnet1.56MUSDC0%4.08%4.17%
Centrifuge-protocolEthereum2.07MUSDT0%3.03%4.15%
Flux-financeEthereum1.57MUSDC0%3.89%4.15%
Gami-labsBase3.03MUSDC0%2.73%4.14%
Spectra-metavaultsBase3.03MUSDC0%2.77%4.14%
ExactlyOP Mainnet1.56MUSDC0%3.91%4.07%
Yearn-financeEthereum2.39MUSDC0%3.92%4.05%
Jupiter-lendSolana17.09MUSDT0%4.01%4.05%
Aave-v3Base17.34MUSDC0%3.64%4.04%
Fusion-by-iporBase1.16MUSDC2.84%6.66%3.94%
SymbiosisEthereum1.13MUSDC0%4.91%3.8%
Centrifuge-protocolMonad4.56MUSDC0%2.79%3.79%
AmpleBase4.39MUSDC0%4.06%3.78%
Aave-v3Ethereum202.51MUSDT0%3.49%3.78%
Aave-v3Ethereum67.78MUSDT1.51%4.95%3.78%
ExactlyOP Mainnet1.56MUSDC0%1.25%3.74%
Aave-v4Ethereum2.96MUSDC0%4.56%3.72%
Hyperlend-pooledHyperliquid L19.50MUSDC0%5.21%3.72%
Aave-v3Ethereum173.96MUSDC0%3.97%3.63%
Aave-v3Ethereum58.06MUSDC1.68%5.56%3.63%
Yearn-financeEthereum19.60MUSDC0%3.71%3.62%
Spark-savingsEthereum304.23MUSDC0%3.58%3.6%
Spark-savingsAvalanche8.98MUSDC0%3.58%3.6%
DolomiteArbitrum1.67MUSDC0%4.44%3.59%
Centrifuge-protocolBase7.14MUSDC0%4.68%3.53%
Centrifuge-protocolPharos4.40MUSDC0%3.16%3.53%
Centrifuge-protocolBSC1.01MUSDC0%3.16%3.53%
Centrifuge-protocolBSC1.01MUSDC0%3.16%3.53%
Spark-savingsEthereum388.99MUSDT0%3.37%3.5%
Compound-v3Ethereum37.70MUSDC0%4.78%3.48%
SparklendEthereum15.57MUSDT0%3.24%3.4%
SparklendEthereum4.04MUSDC0%3.44%3.39%
Venus-core-poolBSC44.65MUSDT0%2.79%3.38%
Midas-rwaEthereum72.83MUSDC0%3.37%3.37%
Midas-rwaEtherlink1.22MUSDC0%3.37%3.37%
Yearn-financeEthereum5.74MUSDT0%3.26%3.31%
DolomiteEthereum29.47MUSDC4.04%7.35%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Aave-v3BSC1.88MUSDC0%3.09%3.26%
Aave-v3Xlayer2.72MUSDC0%2.6%3.23%
Kamino-lendSolana2.52MUSDT0%3.9%3.19%
Aave-v3Ethereum15.53MDAI0%3.05%3.17%
Aave-v3Polygon10.65MUSDC0%2.96%3.16%
Native-credit-poolBSC1.40MUSDT0%3.14%3.14%
Yearn-financeEthereum1.11MUSDC0%3.51%3.14%
Aave-v3BSC9.83MUSDT0%2.7%3.11%
Compound-v3Arbitrum2.28MUSDC0%2.86%3.04%
SaveSolana4.24MUSDC0%3.02%3%
Compound-v3Ethereum28.35MUSDT0%3.05%3%
Aave-v3OP Mainnet1.58MUSDC0%2.57%2.92%
Yearn-financeEthereum7.37MDAI0%3.17%2.84%
SparklendEthereum85.57MDAI0%2.42%2.71%
Compound-v3Arbitrum4.01MUSDT0%2.59%2.62%
Lista-lendingBSC2.68MUSDT0%3.15%2.6%
Kamino-lendSolana1.88MUSDC0%1.47%2.43%
Venus-fluxBSC1.73MUSDT0%2.74%2.15%
Lista-lendingBSC1.62MUSDT0%2.64%2.14%
Justlend-v1Tron84.91MUSDT0%2.31%2.13%
Fluid-lendingBase14.85MUSDC0%5.26%2.07%
Aave-v3Arbitrum1.07MDAI0%1.89%1.99%
CurrentSui18.50MUSDC7.03%8.9%1.91%
Aave-v3Sonic1.15MUSDC0%1.85%1.83%
SaveSolana2.26MUSDT0%1.79%1.76%
Lista-lendingEthereum5.35MUSDC5.37%7.25%1.3%
Zest-v2Stacks10.17MUSDC0%0.78%1.11%
Lista-lendingEthereum4.07MUSDT4.87%6.15%1.1%
ExactlyOP Mainnet1.56MUSDC0%0.93%1.1%
Echelon-marketAptos1.90MUSDC4.4%3.74%1.09%
TectonicCronos1.26MUSDC0.02%0.45%0.54%
Aave-v4Avalanche7.07MUSDC4.64%5.41%0.48%
AcrossEthereum1.12MUSDT2.99%1.89%0.47%
Aave-v4Avalanche3.52MUSDT6.53%6.41%0.18%
AcrossEthereum1.10MUSDC4.41%4.43%0.18%
CredixSolana13.41MUSDC0%0.06%0.07%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum899.2M9.68%
Avalanche7291.2M4.04%
Base18142.5M6.79%
BSC16125.9M4.44%
Ethereum683.1B6.46%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon110.7M3.16%
Solana16541.9M10.45%
TON12.7M4.86%
zkSync Era000%