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
27/09/2026 22:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Neutral-tradeSolana2.30MUSDC0%31%72.22%
Gains-networkArbitrum4.52MUSDC0%30%44.94%
Harvest-financeBase1.90MUSDC0%45.48%24.07%
EnsuroEthereum1.31MUSDC0%20.64%19.76%
VerantaBase9.82MUSDC0%15.4%19.34%
AccountableEthereum1.96MUSDC18.75%36.85%19.22%
AccountableEthereum3.39MUSDC0%12.23%17.84%
Ember-protocolSui8.36MUSDC0%3.95%16.31%
Neutral-tradeSolana4.08MUSDC0%10.87%15.1%
AccountableMonad7.50MUSDC1.24%16.34%14.9%
AccountableEthereum1.05MUSDC0.75%14.92%14.25%
Midas-rwaEthereum1.70MUSDC0%8.17%13.66%
Ember-protocolEthereum6.33MUSDC0%10.11%12.99%
Ember-protocolEthereum1.64MUSDC0%30.03%12.93%
Ember-protocolEthereum3.94MUSDC0%12.97%12.9%
AccountableEthereum13.89MUSDC0%12.39%12.51%
AccountableMonad5.44MUSDC0.5%12.09%11.64%
Nawa-protocolZIGChain3.44MUSDC0%8.41%11.6%
AccountableMonad74.99MUSDC0.37%11.65%11.4%
Neutral-tradeSolana2.41MUSDC0%14.86%10.82%
Pareto-creditEthereum11.01MUSDC0%10.59%10.59%
Ember-protocolSui9.11MUSDC0%10.14%10.29%
AguaEthereum7.99MUSDC0%10%10%
Ember-protocolEthereum3.55MUSDC0%9.58%9.78%
Pareto-creditEthereum2.19MUSDC0%9.38%9.38%
Ember-protocolEthereum17.72MUSDC0%11.77%8.68%
Sentora-curatorEthereum94.42MUSDC0%7.2%8.06%
Bitway-earnBSC23.13MUSDT0%8%8%
Ember-protocolSui8.75MUSDC4%12%8%
Pareto-creditEthereum155.29MUSDC0%7.84%7.82%
Blend-pools-v2Stellar10.20MUSDC0%7.53%7.69%
Harvest-financeBase1.08MUSDC0%7.3%7.56%
Midas-rwaEthereum65.58MUSDC0%7.52%7.54%
Bitway-earnBSC6.48MUSDT0%7.5%7.5%
Centrifuge-protocolMonad10.07MUSDC0%1.75%7.25%
AccountableMonad2.34MUSDC0.5%7.31%7.03%
Zerobase-cedefiEthereum14.08MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.62MUSDT2%9%7%
Yearn-financeEthereum7.58MUSDC0%6.81%6.83%
Neutral-tradeSolana1.35MUSDC0%9.77%6.8%
Zerobase-cedefiBSC18.10MUSDT2%8.76%6.76%
Midas-rwaEthereum5.18MUSDC0%6.93%6.76%
Midas-rwaEthereum2.52MUSDC0%6.94%6.76%
Zerobase-cedefiBSC2.17MUSDC2%8.76%6.76%
Rhea-lendNear2.03MUSDT0%9.57%6.74%
Euler-v2Monad5.85MUSDC1.25%7.9%6.7%
Rhea-lendNear2MUSDC0%8.37%6.63%
Pareto-creditEthereum22.06MUSDC0%6.78%6.62%
LoopscaleSolana2.33MUSDC0.33%7.08%6.58%
Midas-rwaEthereum26.25MUSDC0%7.21%6.48%
Midas-rwaEthereum31.46MUSDC0%6.39%6.47%
Midas-rwaRobinhood Chain35.85MUSDC0%1.53%6.2%
Midas-rwaBase26.64MUSDC0%1.49%6.2%
Midas-rwaEthereum67.73MUSDC0%6.85%6.1%
Kamino-lendSolana7.80MUSDC0%7.06%6.05%
Yearn-financeEthereum11.90MUSDC0%6.56%6.02%
Extra-finance-leverage-farmingBase3.84MUSDC0%6.35%5.98%
Harmonix-financeHyperliquid L121.43MUSDC0%6.89%5.97%
Aave-v4Ethereum2.27MUSDC0%4.62%5.92%
Midas-rwaEtherlink4.94MUSDC0%6.84%5.82%
Harvest-financeEthereum1.16MUSDC0%8.69%5.75%
Centrifuge-protocolAvalanche262.71MUSDC0%5.03%5.75%
Centrifuge-protocolBase22.65MUSDC0%5.03%5.75%
Centrifuge-protocolBSC1.02MUSDC0%5.03%5.75%
Centrifuge-protocolEthereum9.30MUSDC0%5.01%5.74%
LoopscaleSolana1.07MUSDC3.38%10.33%5.67%
Midas-rwaEthereum7.47MUSDC0%7.31%5.51%
AutofinanceBase3.62MUSDC5.64%10.02%5.44%
Aave-v3Monad10.73MUSDC0.41%5.97%5.39%
Alchemix-v3Ethereum7.78MUSDC0%5.51%5.34%
AccountableMonad7.42MUSDC0.5%6%5.23%
AutofinanceEthereum7.63MUSDC1.16%6.15%5.04%
Centrifuge-protocolEthereum2.28MUSDT0%3.4%5.01%
Fusion-by-iporEthereum1.28MUSDC0%6.43%4.99%
Native-credit-poolEthereum1.09MUSDC0%4.93%4.93%
MapleEthereum629.57MUSDT0%4.73%4.88%
Storm-tradeTON2.73MUSDT0%5.21%4.81%
Yearn-financeBase1.50MUSDC0%4.99%4.75%
Aave-v4Ethereum1.46MUSDT0%4.06%4.74%
Midas-rwaEthereum6.43MUSDC0%3.99%4.74%
Midas-rwaEtherlink1.12MUSDC0%3.96%4.74%
Kamino-lendSolana1.26MUSDC0%4.4%4.7%
Kamino-lendSolana7.64MUSDC0%4.4%4.7%
Benqi-lendingAvalanche2.80MUSDC0%5.62%4.65%
Kamino-lendSolana2.37MUSDC0%5.36%4.65%
Lista-lendingBSC1.87MUSDT0%6.57%4.57%
CurvanceMonad2.99MUSDC1.8%5.73%4.56%
Aave-v3Avalanche2.36MUSDT0%4.12%4.49%
Fusion-by-iporBase2.94MUSDC0%6.68%4.47%
Fluid-lendingEthereum130.46MUSDT0%4.66%4.46%
Flux-financeEthereum1.95MUSDT0%4.45%4.44%
Navi-lendingSui11.23MUSDC0.61%5.23%4.42%
ExactlyOP Mainnet1.55MUSDC0%4.38%4.38%
ExactlyOP Mainnet1.55MUSDC0%4.32%4.34%
ExactlyOP Mainnet1.55MUSDC0%4.33%4.32%
Kamino-lendSolana3.99MUSDC0%5.15%4.32%
Aave-v3Avalanche6.21MUSDC0%4.58%4.3%
ExactlyOP Mainnet1.55MUSDC0%4.26%4.29%
Fluid-lendingEthereum130.20MUSDC0%4.61%4.28%
ExactlyOP Mainnet1.55MUSDC0%4.17%4.23%
ExactlyOP Mainnet1.55MUSDC0%4.1%4.19%
Yo-protocolBase8.10MUSDC0%4.22%4.18%
Yo-protocolEthereum1.35MUSDC0%4.22%4.18%
Aave-v3Ethereum191.27MUSDT0%3.56%4.18%
Aave-v3Ethereum64.98MUSDT1.57%5.03%4.18%
ExactlyOP Mainnet1.55MUSDC0%4.19%4.16%
Ember-protocolEthereum2.04MUSDC0%4.33%4.16%
Flux-financeEthereum1.57MUSDC0%3.93%4.15%
TydroInk18.29MUSDC0%4.03%4.15%
Aave-v3Base17.28MUSDC0%3.72%4.13%
Kamino-lendSolana1.23MUSDC0%4.18%4.12%
Fusion-by-iporBase1.08MUSDC2.84%6.74%4.12%
Yearn-financeEthereum2.39MUSDC0%3.95%4.09%
ExactlyOP Mainnet1.55MUSDC0%3.9%4.07%
Fluid-lendingArbitrum64.42MUSDC0%4.1%4.03%
Compound-v3Ethereum37.18MUSDC0%4.71%4.01%
DolomiteArbitrum1.49MUSDC0%4.35%3.88%
Venus-core-poolBSC7.82MUSDC0%3.15%3.83%
ExactlyOP Mainnet1.55MUSDC0%1.59%3.81%
Centrifuge-protocolMonad4.56MUSDC0%2.83%3.79%
AmpleBase4.39MUSDC0%4%3.78%
Kamino-lendSolana1.80MUSDT0%3.65%3.69%
Hyperlend-pooledHyperliquid L19.65MUSDC0%5.01%3.68%
Yearn-financeEthereum19.60MUSDC0%3.72%3.62%
Spark-savingsEthereum305.33MUSDC0%3.58%3.6%
Spark-savingsAvalanche8.94MUSDC0%3.58%3.6%
Aave-v3Ethereum185.63MUSDC0%4.01%3.59%
Aave-v3Ethereum58.30MUSDC1.67%5.59%3.59%
Aave-v3BSC1.31MUSDC0%3.17%3.54%
Spark-savingsEthereum388.65MUSDT0%3.39%3.5%
Midas-rwaEthereum72.83MUSDC0%3.42%3.44%
Midas-rwaEtherlink1.22MUSDC0%3.42%3.44%
SparklendEthereum15.86MUSDT0%3.27%3.4%
SparklendEthereum3.95MUSDC0%3.44%3.39%
Yearn-financeEthereum5.74MUSDT0%3.29%3.32%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
SymbiosisEthereum1.32MUSDC0%4.83%3.3%
Centrifuge-protocolBase7.14MUSDC0%3.98%3.28%
Centrifuge-protocolPharos4.41MUSDC0%3.14%3.28%
Centrifuge-protocolBSC1.01MUSDC0%3.14%3.28%
Centrifuge-protocolBSC1.01MUSDC0%3.14%3.28%
Aave-v3Polygon10.24MUSDC0%3%3.26%
DolomiteEthereum30.97MUSDC4.03%7.34%3.24%
Yearn-financeEthereum1.11MUSDC0%3.45%3.22%
Aave-v3Xlayer1.61MUSDC0%2.77%3.22%
Gami-labsBase3.03MUSDC0%2.84%3.2%
Spectra-metavaultsBase3.03MUSDC0%2.89%3.2%
Aave-v3Ethereum15.42MDAI0%3.07%3.17%
Native-credit-poolBSC1.44MUSDT0%3.14%3.14%
Venus-core-poolBSC51.31MUSDT0%2.86%3.11%
SaveSolana4.38MUSDC0%3.07%3.07%
Compound-v3Ethereum25.88MUSDT0%3.04%3.05%
Compound-v3Arbitrum2.33MUSDC0%2.88%3.03%
Aave-v3Arbitrum24.86MUSDC0%2.85%2.98%
Aave-v3OP Mainnet1.64MUSDC0%2.63%2.89%
Yearn-financeEthereum7.36MDAI0%3.13%2.82%
SparklendEthereum85.73MDAI0%2.47%2.71%
Aave-v3BSC14.63MUSDT0%2.76%2.63%
Fluid-lendingBase14.61MUSDC5.33%5.31%2.62%
Lista-lendingBSC2.70MUSDT0%3.23%2.61%
Compound-v3Arbitrum4.27MUSDT0%2.58%2.57%
Lista-lendingBSC1.37MUSDT0%3%2.53%
Kamino-lendSolana1.74MUSDC0%1.6%2.52%
Venus-fluxBSC1.63MUSDT0%2.7%2.42%
Justlend-v1Tron87.42MUSDT0%2.26%2.06%
SaveSolana2.30MUSDT0%1.81%1.8%
CurrentSui22.11MUSDC7.96%8.92%1.73%
AcrossEthereum1.12MUSDT2.91%2.18%1.2%
Echelon-marketAptos1.83MUSDC4.74%4.07%1.15%
ExactlyOP Mainnet1.55MUSDC0%0.95%1.14%
Lista-lendingEthereum4.07MUSDT5.28%6.23%1.1%
Lista-lendingEthereum5.83MUSDC5.33%7.18%1.04%
TectonicCronos1.31MUSDC0.03%0.5%0.5%
Aave-v4Avalanche7.22MUSDC4.64%5.31%0.48%
Aave-v4Avalanche6.03MUSDT6.52%6.58%0.2%
AcrossEthereum1.10MUSDC4.3%4.47%0.18%
CredixSolana13.41MUSDC0%0.06%0.07%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum7109.5M9.78%
Avalanche7296.3M3.35%
Base18143.2M6.61%
BSC16137M4.36%
Ethereum683.1B6.3%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon110.2M3.26%
Solana1761.5M9.23%
TON12.7M4.81%
zkSync Era000%