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 3.60% on Feb 23 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
25/02/2026 21:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Euler-v2Avalanche2.96MUSDT0%31.01%31.01%
Bracket-vaultsEthereum3.29MUSDC0%14.37%13.59%
Gains-networkArbitrum12.17MUSDC0%11.09%12.32%
AbyssSui1.88MUSDC0%9.22%11.52%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
AvantisBase89.92MUSDC0%11.16%10.01%
Blend-pools-v2Stellar10.34MUSDC0%11.02%9.24%
Ipor-fusionEthereum3.71MUSDT0%6.76%8.18%
Woofi-earnArbitrum1.20MUSDC0%7.1%7.06%
WasabiSolana1.66MUSDC0%7.13%6.33%
Harvest-financeBase4.21MUSDC0%6.21%6.16%
AutofinanceEthereum19.89MUSDC0.36%7.76%6.13%
LoopscaleSolana1.87MUSDC1.19%7.15%6.12%
Euler-v2Avalanche5.43MUSDC0%6.38%5.85%
WasabiBase6.47MUSDC0%6.08%5.73%
Extra-finance-leverage-farmingBase3.87MUSDC0%4.92%5.72%
DeltaprimeAvalanche1.21MUSDC0%6.35%5.42%
Scallop-lendSui1.48MUSDC0%5.27%5.4%
Harmonix-financeArbitrum1.11MUSDC0%5.52%5.23%
LiqwidCardano2.37MUSDC1.58%9.16%5.08%
Gains-networkBase1.98MUSDC0%8.26%4.97%
Yo-protocolBase28.87MUSDC14%18.94%4.86%
Silo-v2Avalanche1.40MUSDC0%7.52%4.67%
Flux-financeEthereum1.62MUSDT0%4.62%4.62%
Hyperlend-pooledHyperliquid L120.90MUSDC0%6.11%4.59%
AutofinanceBase17.38MUSDC1.76%6.72%4.53%
Benqi-lendingAvalanche1.59MUSDT0%3.67%4.5%
Ipor-fusionBase1.70MUSDC0%6.01%4.47%
AutofinanceArbitrum1.34MUSDC1.95%6.26%4.42%
MapleEthereum1.40BUSDT0%4.32%4.37%
Euler-v2Ethereum40.06MUSDC0%4.9%4.36%
Yearn-financeEthereum7.31MUSDT0%4.51%4.33%
Folks-finance-lendingAlgorand1.52MUSDC0%4.13%4.32%
DolomiteEthereum12.46MUSDC0%4.64%4.26%
ExactlyOptimism1.68MUSDC0%4.23%4.25%
NeverlandMonad5.13MUSDC7.19%12.67%4.2%
Flux-financeEthereum1.45MUSDC0%4.18%4.19%
ExactlyOptimism1.68MUSDC0%3.93%4.16%
ExactlyOptimism1.68MUSDC0%4.08%4.13%
ExactlyOptimism1.68MUSDC0%4.01%4.05%
Echelon-marketAptos9.40MUSDC0%4.87%4.03%
Euler-v2Arbitrum1.20MUSDC0%5.62%4.03%
Spark-savingsAvalanche151.98MUSDC0%4%4%
Spark-savingsEthereum238.14MUSDC0%4%4%
ExactlyOptimism1.68MUSDC0%3.9%3.95%
ExactlyOptimism1.68MUSDC0%4.17%3.95%
Folks-finance-xchainPolygon2.34MUSDT0%3.9%3.84%
ExactlyOptimism1.68MUSDC0%3.12%3.72%
AcrossEthereum1.10MDAI0.43%8.09%3.72%
AcrossEthereum1.10MDAI0.43%8.09%3.72%
Yearn-financeEthereum2.30MUSDC0%5.99%3.68%
ExactlyOptimism1.68MUSDC0%3.81%3.66%
Yearn-financeEthereum12.56MDAI0%4.29%3.66%
AutofinanceEthereum5.01MUSDC0%5.05%3.66%
Yearn-financeEthereum1.11MUSDC0%4.07%3.64%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum517M6.61%
Avalanche6164.6M9.24%
Base8154.4M5.81%
BSC000%
Ethereum171.8B5.3%
Hyperliquid000%
Mantle000%
Optimism813.5M3.98%
Polygon12.3M3.84%
Solana23.5M6.22%
TON000%
zkSync Era000%