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
12/08/2026 16:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AzuroPolygon1.33MUSDT0%30.45%65.22%
Neutral-tradeSolana2.22MUSDC0%34.7%23.77%
AccountableMonad7.65MUSDC1.03%29.8%22.13%
Neutral-tradeSolana1.02MUSDC0%43.85%19.16%
Midas-rwaEthereum1.73MUSDC0%10.93%15.39%
Midas-rwaEtherlink4.80MUSDC0%9.45%15.16%
Euler-v2Monad1.42MUSDC1.25%9.9%14.54%
AccountableMonad100.30MUSDC0.3%17.18%14.4%
AccountableEthereum1.07MUSDC1.25%14.49%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum7.08MUSDC0%12.84%12.9%
AccountableEthereum4.13MUSDC9.67%22.32%12.21%
Neutral-tradeSolana1.13MUSDC0%5.87%12.11%
AccountableMonad5.05MUSDC0.5%12.12%11.64%
Ember-protocolSui1.31MUSDC0%8.99%11.16%
Lista-lendingBSC1.81MUSDT0%6.95%10.69%
Pareto-creditEthereum15.29MUSDC0%10.59%10.58%
Harvest-financeBase1.86MUSDC0%11.8%10.47%
YieldseekerBase1.27MUSDC0%8.96%10.28%
GoldfinchEthereum35.95MUSDC0%10.14%10.21%
Ember-protocolSui6.49MUSDC0%9.3%10.13%
Midas-rwaEthereum26.19MUSDC0%4.74%10%
AccountableMonad1.04MUSDC0%10.23%10%
Midas-rwaEthereum71.88MUSDC0%10.26%9.99%
AccountableEthereum3.33MUSDC0%10.82%9.72%
Ember-protocolEthereum3.35MUSDC0%9.44%9.64%
Pareto-creditEthereum2.14MUSDC0%9.38%9.38%
Ember-protocolSui1.07MUSDC0%9.57%9.32%
Bracket-vaultsEthereum2.60MUSDC0%9.32%9.31%
Midas-rwaEthereum6.40MUSDC0%7.07%9.23%
Midas-rwaEtherlink1.12MUSDC0%7.09%9.23%
Midas-rwaEthereum8.08MUSDC0%9.45%9.08%
Midas-rwaEthereum39.38MUSDC0%9.8%9%
Neutral-tradeSolana3.17MUSDC0%7.81%8.69%
AvantisBase20.83MUSDC0%9.59%8.41%
Ember-protocolEthereum5.92MUSDC0%7.15%8.3%
Nawa-protocolZIGChain3.72MUSDC0%8.87%8.29%
Pareto-creditEthereum167.55MUSDC0%8.23%8.02%
Moonwell-lendingBase1.35MUSDC0.32%5.44%8.02%
Bitway-earnBSC24.66MUSDT0%8%8%
Ember-protocolSui8.23MUSDC4%12%8%
Ember-protocolEthereum16.88MUSDC0%6.77%7.98%
SymbiosisTron1.35MUSDT0%5.37%7.7%
AccountableMonad10.09MUSDC0.5%9.07%7.67%
Harvest-financeEthereum1.16MUSDC0%6.45%7.49%
Midas-rwaEthereum6.68MUSDC0%7.51%7.48%
Midas-rwaEthereum2.50MUSDC0%7.5%7.48%
AccountableMonad1.08MUSDC0.5%7.69%7.28%
Ember-protocolSui1.16MUSDC3.82%11.38%7.25%
Extra-finance-leverage-farmingBase3.24MUSDC0%6.78%7.23%
SentoraEthereum46.67MUSDC0%6.6%7.2%
Pareto-creditEthereum21.91MUSDC0%7.13%7.13%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Zerobase-cedefiArbitrum7.64MUSDT2%9%7%
LoopscaleSolana1.51MUSDC0.26%7.03%6.93%
Zerobase-cedefiBSC20.05MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.03MUSDC2%8.76%6.76%
Yearn-financeEthereum7.05MUSDC0%7.09%6.67%
Yearn-financeEthereum1.19MUSDC0%6.08%6.55%
Harmonix-financeHyperliquid L117.85MUSDC0%7.21%6.52%
Kamino-lendSolana4.31MUSDC0%6.9%6.42%
Blend-pools-v2Stellar15.68MUSDC0%7.39%6.37%
Yo-protocolBase1.12MUSDC0%6.83%6.06%
SparklendEthereum13.78MUSDT0%3.56%6.05%
Fusion-by-iporEthereum1.40MUSDC0%5.61%6.04%
Hyperlend-pooledHyperliquid L110.95MUSDC0%7.27%5.99%
SymbioticEthereum1MUSDC0%5.76%5.76%
SymbioticEthereum1MUSDC0%5.76%5.76%
SymbiosisEthereum1.15MUSDC0%4.46%5.72%
Storm-tradeTON3.18MUSDT0%5.7%5.56%
Yearn-financeEthereum9.11MUSDC0%5.94%5.53%
Fluid-lendingBase9.06MUSDC0%5.27%5.3%
AutofinanceBase4.85MUSDC2.66%7.97%5.18%
LoopscaleSolana1.37MUSDC0%5.08%5.11%
Kamino-lendSolana2.89MUSDC0%4.74%5.09%
Fluid-lendingArbitrum38.62MUSDC0%5.21%5.07%
AutofinanceEthereum8.54MUSDC0.42%6.31%5.04%
Fluid-lendingEthereum149.58MUSDC0%5.14%5.01%
Fluid-lendingEthereum8.89MUSDC0%5.14%5.01%
Centrifuge-protocolAvalanche261.07MUSDC0%4.41%4.96%
Centrifuge-protocolBase50.34MUSDC0%4.41%4.96%
Centrifuge-protocolEthereum5.74MUSDC0%4.41%4.95%
Yearn-financeBase1.81MUSDC0%4.93%4.91%
AmpleBase4.40MUSDC0%4.09%4.77%
Navi-lendingSui7.39MUSDC0.42%5.46%4.69%
Alchemix-v3Ethereum7.48MUSDC0%4.57%4.67%
Fusion-by-iporBase1.11MUSDC2.5%7.76%4.51%
Neutral-tradeSolana2.50MUSDC0%5.04%4.43%
Yo-protocolBase9.70MUSDC0%4.27%4.43%
Yo-protocolEthereum1.84MUSDC0%4.26%4.43%
SymbioticEthereum1.54MUSDC0%4.41%4.42%
Benqi-lendingAvalanche3.49MUSDC0%4.05%4.42%
Flux-financeEthereum2.07MUSDT0%4.42%4.4%
ExactlyOP Mainnet1.53MUSDC0%4.34%4.37%
ExactlyOP Mainnet1.53MUSDC0%4.26%4.31%
ExactlyOP Mainnet1.53MUSDC0%4.2%4.25%
ExactlyOP Mainnet1.53MUSDC0%4.18%4.2%
ExactlyOP Mainnet1.53MUSDC0%4.1%4.19%
DolomiteArbitrum1.42MUSDC0%4.6%4.17%
ExactlyOP Mainnet1.53MUSDC0%4.07%4.13%
TermmaxEthereum3.35MUSDC0%3.81%4.12%
MapleEthereum0.96BUSDT0%4.22%4.08%
TermmaxBase1.14MUSDC0%4.02%4.05%
Fluid-lendingEthereum139.68MUSDT0%4.42%4.05%
Kamino-lendSolana13.38MUSDC0%4.03%4.04%
ExactlyOP Mainnet1.53MUSDC0%3.76%4.03%
ExactlyOP Mainnet1.53MUSDC0%4.12%4.02%
Native-credit-poolEthereum3.42MUSDC0%4.36%3.96%
Aave-v3Polygon1.02MDAI0%4.01%3.96%
Jupiter-lendSolana433.58MUSDC0.7%4.87%3.88%
Midas-rwaEthereum4.55MUSDC0%5.82%3.78%
Aave-v3Monad13.02MUSDC1.52%7.41%3.73%
Kamino-lendSolana1.74MUSDC0%4.38%3.73%
Flux-financeEthereum2.59MUSDC0%3.72%3.73%
Aave-v3Avalanche5.54MUSDC0%3.75%3.72%
ExactlyOP Mainnet1.53MUSDC0%3.49%3.7%
Aave-v3Base17.76MUSDC0%3.31%3.63%
Yearn-financeEthereum2.42MUSDC0%3.49%3.55%
Spark-savingsEthereum269.76MUSDC0%3.54%3.52%
Spark-savingsAvalanche11.81MUSDC0%3.54%3.52%
DolomiteEthereum25.30MUSDC4.46%7.51%3.49%
Ember-protocolSui1.19MUSDC0%3.39%3.49%
SparklendEthereum1.75MUSDC0%3.53%3.47%
Yearn-financeEthereum7.15MUSDT0%3.11%3.38%
Euler-v2Ethereum6.24MUSDC0%4.48%3.35%
Yearn-financeEthereum26.38MUSDC0%3.28%3.31%
Aave-v3Ethereum185.71MUSDC0%3.7%3.27%
Aave-v3Ethereum64.75MUSDC1.5%6.07%3.27%
Jupiter-lendSolana18.49MUSDT0%3.27%3.19%
Compound-v3Ethereum40MUSDC0.09%3.56%3.18%
Midas-rwaEthereum64.77MUSDC0%3.18%3.18%
Midas-rwaEtherlink1.22MUSDC0%3.19%3.18%
Aave-v4Ethereum1.04MUSDC0%3.72%3.11%
Aave-v3Avalanche3.14MUSDT0%3.19%3.11%
Native-credit-poolBSC5.01MUSDT0%3.75%3.06%
Euler-v2Ethereum7.28MUSDC0%3.13%3.06%
Compound-v3Ethereum27.84MUSDT0.1%3.07%3.04%
Centrifuge-protocolMonad4.54MUSDC0%3.83%3.03%
Centrifuge-protocolPharos4.35MUSDC0%3.57%3.03%
Yearn-financeEthereum9.46MDAI0%2.99%3.03%
Native-credit-poolEthereum1.81MUSDT0%3.18%3.02%
Ember-protocolEthereum1.37MUSDC0%1.8%2.99%
Echelon-marketAptos1.08MUSDC1.62%3.67%2.96%
Aave-v3OP Mainnet1.65MUSDC0%3.14%2.94%
Aave-v3Ethereum445.29MUSDT0%2.7%2.84%
Aave-v3Ethereum73.47MUSDT1.39%5.4%2.84%
CurvanceMonad1.08MUSDC1.41%4.65%2.83%
Aave-v3Polygon12.62MUSDC0%2.74%2.81%
Kamino-lendSolana2.84MUSDT0%3.57%2.8%
Venus-fluxBSC2.60MUSDT0%2.61%2.8%
Spectra-metavaultsBase3.02MUSDC0%2.42%2.78%
Gami-labsBase3.02MUSDC0%2.41%2.78%
Spark-savingsEthereum347.52MUSDT0%2.75%2.75%
Compound-v3Arbitrum3.65MUSDC0%2.71%2.74%
Aave-v3Ethereum1.72MUSDC0%3.04%2.74%
Aave-v3BSC2.57MUSDC0%2.79%2.74%
Ember-protocolSui3.73MUSDC0%5.76%2.69%
Gains-networkArbitrum6.04MUSDC0%4.89%2.68%
Aave-v3Ethereum1.53MUSDC0%2.09%2.67%
Aave-v3Ethereum24.54MDAI0%3.9%2.64%
Benqi-lendingAvalanche1.85MUSDT0%2.52%2.48%
Scallop-lendSui1.31MUSDC0%2.98%2.37%
SaveSolana5.95MUSDC0%2.4%2.36%
Aave-v3Arbitrum42.31MUSDC0%2.59%2.28%
SparklendEthereum112.68MDAI0%2.23%2.17%
Venus-core-poolBSC18.23MUSDC0%2.73%2.16%
Aave-v3Arbitrum1.01MDAI0%1.91%2.15%
Justlend-v1Tron81.89MUSDT0%2.87%2.11%
Aave-v3BSC16.55MUSDT0%2.24%2.09%
Compound-v3Arbitrum8.85MUSDT0%1.95%1.97%
Aave-v4Ethereum4.94MUSDT0%3.02%1.91%
CurrentSui7.67MUSDC7.48%9.02%1.9%
Aave-v3Sonic1.19MUSDC0%1.94%1.9%
Venus-core-poolBSC90.41MUSDT0%2.25%1.88%
Lista-lendingBSC1.01MUSDT0%1.91%1.87%
Lista-lendingBSC4.17MUSDT0%4.07%1.84%
Venus-core-poolBSC1.01MDAI0%1.79%1.84%
MetromKatana8.64MUSDC2.1%4.01%1.78%
MetromKatana2.46MUSDT0%1.75%1.76%
Aave-v4Ethereum1.11MUSDC0%1.41%1.62%
Aave-v4Ethereum1.13MUSDT0%1.31%1.58%
SaveSolana2.23MUSDT0%1.41%1.45%
TydroInk7.51MUSDC0%1.67%1.43%
Kamino-lendSolana1.29MUSDC0%1.35%1.35%
NeverlandMonad2.60MUSDC5.51%5.29%1.08%
ExactlyOP Mainnet1.53MUSDC0%0.96%1.01%
Lista-lendingBSC4.11MUSDT0%3.25%0.79%
Centrifuge-protocolPlume Mainnet20.70MUSDC0%2.24%0.66%
Centrifuge-protocolMonad10.03MUSDC0%3.98%0.66%
Zest-v2Stacks10.09MUSDC0%0.48%0.5%
Lista-lendingEthereum2.90MUSDC5.7%6.21%0.49%
AcrossEthereum1.58MUSDT1.23%1.51%0.19%
Lista-lendingEthereum3.20MUSDT6.48%5.61%0.18%
TectonicCronos44.60MUSDT0%0.15%0.15%
TectonicCronos53.72MUSDC0%0.12%0.12%
AcrossEthereum1.09MUSDC4.12%4.48%0.07%
Aave-v4Avalanche4.60MUSDC0%0.63%0.07%
CredixSolana13.48MUSDC0%0.1%0.04%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum8109.5M3.51%
Avalanche7291.5M3.18%
Base17135.9M5.75%
BSC14194.2M3.81%
Ethereum773.6B5.44%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon315M23.99%
Solana18513.1M6.36%
TON13.2M5.56%
zkSync Era000%