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 3.61% on Feb 12 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
16/02/2026 20:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Euler-v2Avalanche2.95MUSDT0%31.01%31.01%
Bracket-vaultsEthereum3.28MUSDC0%14.82%14.02%
AvantisBase88.81MUSDC0%11.33%12.62%
Blend-pools-v2Stellar1.52MUSDC0.74%13.69%11.78%
Blend-pools-v2Stellar7.20MUSDC0%11.24%10.46%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
Ipor-fusionEthereum3.92MUSDT0%7.1%7.85%
Woofi-earnArbitrum1.20MUSDC0%7.1%7.06%
WasabiBase6.23MUSDC0%6.63%6.74%
Harvest-financeBase4.15MUSDC0%6.32%6.64%
LoopscaleSolana1.45MUSDC0.76%7.61%6.58%
AutofinanceEthereum19.03MUSDC0.31%8.58%6.57%
WasabiSolana1.70MUSDC0%7.71%6.06%
DeltaprimeAvalanche1.36MUSDC0%6.58%5.94%
Ipor-fusionEthereum6.32MUSDC0%5.34%5.89%
Euler-v2Avalanche1.19MUSDC0%5.82%5.82%
Harmonix-financeArbitrum1.17MUSDC0%5.4%5.69%
Hyperlend-pooledHyperliquid L112.91MUSDC0%5.92%5.59%
SymbiosisEthereum1.25MUSDC0%5.97%5.58%
Yearn-financeEthereum1.42MUSDC0%5.61%5.43%
Yo-protocolBase29.55MUSDC14%15.42%5.4%
Euler-v2Avalanche7.45MUSDC0%5.35%5.32%
Euler-v2Avalanche1.80MUSDC0%7.9%5.32%
Euler-v2Ethereum40.27MUSDC0%4.91%5.21%
Scallop-lendSui1.79MUSDC0%5.5%5.21%
Echelon-marketAptos6.96MUSDC0%4.84%5.13%
LoopscaleSolana1.36MUSDC1.9%7.73%5.12%
Ipor-fusionBase1.70MUSDC0%6.99%5.02%
Gains-networkArbitrum12.40MUSDC0%10.56%4.96%
Silo-v2Avalanche1.56MUSDC0%8.08%4.81%
AutofinanceBase17.99MUSDC1.55%7.22%4.78%
Yearn-financeEthereum3.66MUSDT0%4.61%4.7%
Euler-v2Ethereum26.83MUSDC0%4.65%4.66%
SymbiosisTron1.04MUSDT0%4.88%4.65%
SymbiosisTron1.04MUSDT0%4.88%4.65%
NeverlandMonad4.06MUSDC6.65%13.25%4.64%
Flux-financeEthereum1.61MUSDT0%4.61%4.63%
Extra-finance-leverage-farmingBase4.13MUSDC0%5.38%4.56%
LiqwidCardano2.63MUSDC1.58%11.27%4.48%
AutofinanceArbitrum1.34MUSDC1.81%6.4%4.45%
DolomiteEthereum11.05MUSDC0%4.53%4.35%
Gains-networkBase2.09MUSDC0%9.39%4.31%
ExactlyOptimism1.69MUSDC0%4.38%4.27%
Euler-v2Arbitrum1.08MUSDC0%6.33%4.24%
ExactlyOptimism1.69MUSDC0%4.21%4.24%
VesperEthereum2.56MUSDC0%4.61%4.22%
ExactlyOptimism1.69MUSDC0%4.22%4.2%
Flux-financeEthereum1.44MUSDC0%4.17%4.19%
Navi-lendingSui10.02MUSDC0.64%5.17%4.17%
ExactlyOptimism1.69MUSDC0%3.77%4.14%
ExactlyOptimism1.69MUSDC0%4.05%4.11%
Yearn-financeEthereum7.54MUSDT0%4.31%4.1%
ExactlyOptimism1.69MUSDC0%3.98%4.04%
MapleEthereum1.33BUSDT0%4.56%4.02%
Spark-savingsEthereum236.21MUSDC0%4%4%
Spark-savingsAvalanche139.60MUSDC0%4%4%
Folks-finance-lendingAlgorand1.87MUSDC0%4.21%3.94%
ExactlyOptimism1.69MUSDC0%3.85%3.93%
AutofinanceEthereum5.01MUSDC0%5.86%3.91%
Yearn-financeEthereum1.11MUSDC0%4.28%3.79%
Yearn-financeEthereum12.69MDAI0%4.46%3.76%
Folks-finance-xchainPolygon2.42MUSDT0%4.57%3.76%
Yearn-financeEthereum33.22MUSDC0%4.62%3.69%
ExactlyOptimism1.69MUSDC0%3.88%3.68%
ExactlyOptimism1.69MUSDC0%2.99%3.67%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum517.2M5.28%
Avalanche7155.9M8.89%
Base8154.6M6.26%
BSC000%
Ethereum211.8B5.46%
Hyperliquid000%
Mantle000%
Optimism915.2M4.03%
Polygon12.4M3.76%
Solana34.5M5.92%
TON000%
zkSync Era000%