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
16/08/2026 20:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Neutral-tradeSolana2.24MUSDC0%38.78%54.69%
AzuroPolygon1.40MUSDT0%36.16%31.55%
Neutral-tradeSolana1.08MUSDC0%11.95%24.11%
EnsuroEthereum1.04MUSDC0%20.11%19.42%
AccountableMonad7.50MUSDC0.98%28.05%19.27%
Neutral-tradeSolana1.13MUSDC0%32.96%18.04%
AccountableMonad99.95MUSDC0.29%16.83%14.4%
AccountableEthereum1.01MUSDC1.25%14.66%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum7.08MUSDC0%12.87%12.9%
Ember-protocolEthereum5.93MUSDC0%7.64%11.97%
AccountableEthereum10.16MUSDC0%11.64%11.64%
AccountableMonad5.04MUSDC0.5%12.13%11.64%
AccountableEthereum3.83MUSDC10.09%22.69%11.41%
Nawa-protocolZIGChain3.52MUSDC0%8.72%11.33%
Ember-protocolSui1.41MUSDC0%9.5%11.27%
Ember-protocolSui6.89MUSDC0%9.43%10.96%
Midas-rwaEthereum1.73MUSDC0%11.2%10.89%
Neutral-tradeSolana3.24MUSDC0%8.47%10.89%
Harvest-financeBase1.92MUSDC0%11.45%10.64%
Pareto-creditEthereum15.28MUSDC0%10.59%10.58%
Midas-rwaEthereum71.94MUSDC0%10.24%10.23%
GoldfinchEthereum35.94MUSDC0%10.17%10.21%
Midas-rwaEthereum26.19MUSDC0%4.97%10%
AguaEthereum12.86MUSDC0%10%10%
AccountableEthereum3.29MUSDC0%10.58%9.94%
Ember-protocolEthereum3.35MUSDC0%9.43%9.9%
Pareto-creditEthereum2.14MUSDC0%9.38%9.38%
Bracket-vaultsEthereum2.60MUSDC0%9.31%9.32%
Midas-rwaEthereum6.40MUSDC0%7.73%9.23%
Midas-rwaEtherlink1.12MUSDC0%7.75%9.23%
Midas-rwaEthereum7.70MUSDC0%9.46%8.86%
YieldseekerBase1.23MUSDC0%8.98%8.55%
LazyEthereum1MUSDC0%6.88%8.34%
LazyEthereum1MUSDC0%6.88%8.34%
Pareto-creditEthereum168.42MUSDC0%8.19%8.02%
Bitway-earnBSC24.78MUSDT0%8%8%
Ember-protocolSui9.29MUSDC4%12%8%
Ember-protocolEthereum16.89MUSDC0%6.93%7.6%
AvantisBase19.90MUSDC0%9.39%7.34%
AccountableMonad1.06MUSDC0.5%7.73%7.28%
Extra-finance-leverage-farmingBase3.26MUSDC0%6.89%7.21%
Pareto-creditEthereum21.91MUSDC0%7.13%7.13%
Midas-rwaEthereum2.50MUSDC0%7.51%7.12%
SymbiosisTron1.62MUSDT0%5.68%7.12%
AccountableMonad9.95MUSDC0.49%8.71%7.07%
SentoraEthereum46.71MUSDC0%6.79%7.07%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Zerobase-cedefiArbitrum7.63MUSDT2%9%7%
Zerobase-cedefiBase1.54MUSDC2%9%7%
Midas-rwaEthereum6.68MUSDC0%7.51%6.98%
Midas-rwaEtherlink4.80MUSDC0%9.25%6.85%
Zerobase-cedefiBSC19.17MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2.02MUSDC2%8.76%6.76%
Yearn-financeEthereum6.96MUSDC0%7.05%6.57%
LoopscaleSolana3.05MUSDC0.3%6.99%6.54%
Blend-pools-v2Stellar14.52MUSDC0%7.22%6.5%
Yo-protocolBase1.13MUSDC0%6.73%6.46%
Ember-protocolSui1.07MUSDC0%9.39%6.45%
Yearn-financeEthereum1.19MUSDC0%6.27%6.3%
Harmonix-financeHyperliquid L117.34MUSDC0%6.95%6.26%
Kamino-lendSolana5.20MUSDC0%6.79%6.08%
Yearn-financeEthereum8.94MUSDC0%5.92%6.07%
Kamino-lendSolana1.25MUSDC0%4.9%6.02%
Ember-protocolSui1.16MUSDC5.11%11.41%6.01%
Fusion-by-iporEthereum1.19MUSDC0%5.54%5.94%
Hyperlend-pooledHyperliquid L112.47MUSDC0%7.3%5.83%
AutofinanceBase4.80MUSDC2.7%8.04%5.8%
Midas-rwaEthereum38.42MUSDC0%9.35%5.75%
Storm-tradeTON3.09MUSDT0%5.67%5.49%
Harvest-financeEthereum1.15MUSDC0%6.56%5.47%
Fluid-lendingEthereum150.06MUSDC0%5.22%5.4%
Fluid-lendingEthereum8.88MUSDC0%5.22%5.4%
Centrifuge-protocolEthereum5.74MUSDC0%4.73%5.33%
Centrifuge-protocolAvalanche261.14MUSDC0%4.73%5.33%
Centrifuge-protocolBase50.35MUSDC0%4.73%5.33%
Fluid-lendingBase9.17MUSDC0%5.29%5.29%
Neutral-tradeSolana2.64MUSDC0%4.61%5.19%
Lista-lendingBSC1.79MUSDT0%6.74%5.16%
AutofinanceEthereum7.10MUSDC0.61%6.15%5.11%
Yearn-financeBase1.77MUSDC0%4.93%4.93%
Fluid-lendingArbitrum40.32MUSDC0%5.05%4.78%
SymbioticEthereum1.54MUSDC0%4.51%4.71%
Navi-lendingSui7.38MUSDC0.42%5.39%4.7%
Benqi-lendingAvalanche3.15MUSDC0%4.12%4.59%
Moonwell-lendingBase1.41MUSDC0.06%6.96%4.47%
Flux-financeEthereum2.07MUSDT0%4.41%4.4%
ExactlyOP Mainnet1.54MUSDC0%4.35%4.37%
Alchemix-v3Ethereum7.53MUSDC0%4.54%4.35%
ExactlyOP Mainnet1.54MUSDC0%4.28%4.31%
Ember-protocolSui1.89MUSDC0%5.74%4.27%
ExactlyOP Mainnet1.54MUSDC0%4.22%4.26%
Jupiter-lendSolana424.36MUSDC0.71%4.95%4.22%
ExactlyOP Mainnet1.54MUSDC0%4.18%4.21%
ExactlyOP Mainnet1.54MUSDC0%4.13%4.2%
Kamino-lendSolana1.46MUSDC0%4.49%4.15%
Kamino-lendSolana12.43MUSDC0%4.09%4.14%
MapleEthereum0.94BUSDT0%4.22%4.14%
ExactlyOP Mainnet1.54MUSDC0%4.09%4.14%
Fluid-lendingEthereum135.91MUSDT0%4.41%4.11%
DolomiteArbitrum1.45MUSDC0%4.4%4.09%
ExactlyOP Mainnet1.54MUSDC0%3.83%4.05%
ExactlyOP Mainnet1.54MUSDC0%4.09%4.03%
Ember-protocolSui1.19MUSDC0%3.46%4.02%
TermmaxEthereum3.35MUSDC0%3.86%3.94%
Yo-protocolBase9.63MUSDC0%4.25%3.92%
Yo-protocolEthereum1.60MUSDC0%4.25%3.92%
Aave-v3Avalanche5.40MUSDC0%3.75%3.88%
Centrifuge-protocolMonad4.54MUSDC0%3.61%3.84%
Centrifuge-protocolPharos4.35MUSDC0%3.61%3.84%
AmpleBase4.41MUSDC0%4.04%3.84%
Aave-v3Polygon1.08MDAI0%3.99%3.83%
Native-credit-poolEthereum2.28MUSDC0%4.3%3.79%
Midas-rwaEthereum3.50MUSDC0%5.27%3.78%
Flux-financeEthereum2.59MUSDC0%3.72%3.73%
ExactlyOP Mainnet1.54MUSDC0%3.54%3.7%
Yearn-financeEthereum2.42MUSDC0%3.5%3.59%
Aave-v3Base19.13MUSDC0%3.38%3.57%
Gami-labsBase3.02MUSDC0%2.65%3.55%
Spectra-metavaultsBase3.02MUSDC0%2.65%3.55%
Jupiter-lendSolana17.70MUSDT0%3.3%3.54%
Spark-savingsEthereum271.20MUSDC0%3.53%3.52%
Spark-savingsAvalanche11.77MUSDC0%3.53%3.52%
SparklendEthereum1.74MUSDC0%3.5%3.47%
Kamino-lendSolana1.11MUSDC0%4.84%3.42%
Zerobase-cedefiOP Mainnet8.09MUSDT2%5.3%3.3%
Yearn-financeEthereum25.77MUSDC0%3.29%3.3%
Yearn-financeEthereum7.44MUSDT0%3.17%3.29%
Aave-v3Ethereum182.76MUSDC0%3.71%3.29%
Aave-v3Ethereum65.72MUSDC1.48%5.78%3.29%
Euler-v2Monad1.42MUSDC1.25%10.25%3.23%
DolomiteEthereum30.83MUSDC4.3%7.48%3.21%
Midas-rwaEthereum64.86MUSDC0%3.15%3.21%
Midas-rwaEtherlink1.22MUSDC0%3.16%3.21%
Aave-v3Avalanche2.86MUSDT0%3.09%3.18%
Euler-v2Ethereum6.68MUSDC0%3.12%3.16%
Compound-v3Ethereum43.73MUSDC0.09%3.55%3.15%
Yearn-financeEthereum7.73MDAI0%3%3.11%
Centrifuge-protocolPlume Mainnet20.71MUSDC0%1.96%3.11%
Aave-v3Monad16.09MUSDC2.08%6.95%3.07%
Aave-v3OP Mainnet1.50MUSDC0%3.09%3.02%
Compound-v3Ethereum29.53MUSDT0.1%3.11%3%
Spark-savingsEthereum373.10MUSDT0%2.79%3%
Kamino-lendSolana2.56MUSDT0%3.45%2.99%
Aave-v4Ethereum1.30MUSDC0%3.68%2.96%
Aave-v3BSC2.04MUSDC0%2.86%2.95%
Native-credit-poolEthereum1.80MUSDT0%3.1%2.94%
Native-credit-poolBSC5.07MUSDT0%3.55%2.92%
Aave-v3Ethereum411.86MUSDT0%2.74%2.9%
Aave-v3Ethereum74.80MUSDT1.36%5.04%2.9%
Euler-v2Ethereum7.16MUSDC0%4.44%2.89%
Ember-protocolEthereum2.03MUSDC0%1.98%2.89%
Aave-v3Polygon12.47MUSDC0%2.75%2.84%
CurvanceMonad1.44MUSDC2.7%5.19%2.81%
Gains-networkArbitrum5.56MUSDC0%4.62%2.79%
Echelon-marketAptos1.14MUSDC1.52%3.81%2.78%
Compound-v3Arbitrum3.63MUSDC0%2.72%2.74%
Aave-v3Ethereum1.72MUSDC0%3.04%2.74%
Aave-v3Ethereum1.54MUSDC0%2.13%2.66%
SparklendEthereum64.28MUSDT0%3.73%2.62%
Benqi-lendingAvalanche1.74MUSDT0%2.6%2.61%
CurrentSui6.70MUSDC6.64%9.22%2.43%
Aave-v3Arbitrum38.38MUSDC0%2.55%2.4%
Scallop-lendSui1.31MUSDC0%2.79%2.33%
Venus-core-poolBSC17.38MUSDC0%2.7%2.28%
SaveSolana6.41MUSDC0%2.39%2.28%
Aave-v3Ethereum34.46MDAI0%3.4%2.27%
Aave-v4Ethereum4.07MUSDT0%2.81%2.22%
Justlend-v1Tron77.77MUSDT0%2.8%2.2%
SparklendEthereum114.42MDAI0%2.2%2.17%
Aave-v3Arbitrum1.01MDAI0%1.93%2.15%
Aave-v3BSC16.63MUSDT0%2.21%2.08%
Kamino-lendSolana1.07MUSDC0%1.41%2.02%
Compound-v3Arbitrum8.88MUSDT0%1.95%1.97%
Venus-core-poolBSC90.41MUSDT0%2.17%1.9%
NeverlandMonad1.52MUSDC8.59%5.77%1.88%
Aave-v3Sonic1.18MUSDC0%1.94%1.88%
Lista-lendingBSC1.01MUSDT0%1.9%1.86%
Venus-core-poolBSC1.01MDAI0%1.8%1.84%
Lista-lendingBSC4.04MUSDT0%3.61%1.73%
Centrifuge-protocolEthereum1.67MUSDC0%0.55%1.61%
Venus-fluxBSC2.18MUSDT0%2.61%1.51%
TydroInk7.04MUSDC0%1.71%1.51%
SaveSolana2.26MUSDT0%1.41%1.44%
Aave-v4Ethereum1.23MUSDC0%1.47%1.41%
ExactlyOP Mainnet1.54MUSDC0%0.98%1.01%
Lista-lendingBSC4.09MUSDT0%2.65%0.89%
Aave-v4Ethereum1.61MUSDT0%1.34%0.86%
Zest-v2Stacks10.07MUSDC0%0.49%0.58%
Lista-lendingEthereum2.79MUSDC5.29%6.22%0.48%
Lista-lendingEthereum3.05MUSDT6.08%5.7%0.23%
TectonicCronos44.97MUSDT0%0.15%0.15%
TectonicCronos54.17MUSDC0%0.12%0.12%
Aave-v4Avalanche5MUSDC0%0.56%0.11%
CredixSolana13.48MUSDC0%0.08%0.04%
AcrossEthereum1.58MUSDT1.24%1.51%0.04%
AcrossEthereum1.09MUSDC4.15%4.64%0.02%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum8106.9M3.49%
Avalanche7291.1M3.32%
Base16135.7M5.71%
BSC14191.6M3.33%
Ethereum803.7B5.6%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon315M12.74%
Solana18502.7M8.88%
TON13.1M5.49%
zkSync Era000%