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 19 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
23/02/2026 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%
AbyssSui1.45MUSDC0%8.35%14.05%
Bracket-vaultsEthereum3.29MUSDC0%14.47%13.67%
Gains-networkArbitrum11.52MUSDC0%10.81%11.23%
AvantisBase90.30MUSDC0%11.19%10.37%
Blend-pools-v2Stellar7.83MUSDC0%11.15%10.34%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
Ipor-fusionEthereum3.91MUSDT0%6.69%9.17%
Woofi-earnArbitrum1.20MUSDC0%7.1%7.06%
DeltaprimeAvalanche1.16MUSDC0%6.41%6.48%
AutofinanceEthereum21.10MUSDC0.3%7.92%6.28%
Harvest-financeBase4.24MUSDC0%6.31%6.2%
LoopscaleSolana1.76MUSDC1.21%7.23%6.18%
Ipor-fusionBase1.70MUSDC0%6.16%5.95%
Euler-v2Avalanche5.48MUSDC0%6.51%5.83%
Euler-v2Avalanche1.10MUSDC0%7.27%5.83%
Harmonix-financeArbitrum1.14MUSDC0%5.5%5.67%
Yo-protocolBase28.96MUSDC14%18.11%5.61%
Hyperlend-pooledHyperliquid L116.12MUSDC0%6.14%5.39%
Scallop-lendSui1.47MUSDC0%5.29%5.38%
WasabiBase6.77MUSDC0%6.14%5.19%
AutofinanceEthereum5.01MUSDC0%5.24%5%
Silo-v2Avalanche1.04MUSDC0%8.07%4.98%
Silo-v2Avalanche1.04MUSDC0%8.07%4.98%
LiqwidCardano2.42MUSDC1.58%9.65%4.96%
Extra-finance-leverage-farmingBase3.99MUSDC0%5%4.87%
Gains-networkBase2.13MUSDC0%8.35%4.79%
Flux-financeEthereum1.62MUSDT0%4.62%4.62%
NeverlandMonad4.42MUSDC7.63%12.72%4.47%
Yearn-financeEthereum7.30MUSDT0%4.54%4.42%
AutofinanceBase17.86MUSDC1.59%6.83%4.42%
AutofinanceArbitrum1.46MUSDC1.68%6.3%4.42%
Euler-v2Arbitrum1.09MUSDC0%5.76%4.4%
Euler-v2Ethereum40.03MUSDC0%4.91%4.36%
Yearn-financeEthereum4.22MUSDC0%6%4.35%
Echelon-marketAptos8.81MUSDC0%4.9%4.3%
MapleEthereum1.43BUSDT0%4.36%4.29%
Folks-finance-lendingAlgorand1.57MUSDC0%4.14%4.26%
DolomiteEthereum12.47MUSDC0%4.61%4.26%
ExactlyOptimism1.69MUSDC0%4.22%4.25%
Flux-financeEthereum1.45MUSDC0%4.18%4.19%
ExactlyOptimism1.69MUSDC0%3.9%4.16%
ExactlyOptimism1.69MUSDC0%4.08%4.13%
ExactlyOptimism1.69MUSDC0%4.01%4.05%
Spark-savingsEthereum238.22MUSDC0%4%4%
Spark-savingsAvalanche151.89MUSDC0%4%4%
Benqi-lendingAvalanche2.19MUSDT0%3.66%4%
ExactlyOptimism1.69MUSDC0%3.89%3.95%
ExactlyOptimism1.69MUSDC0%4.19%3.95%
Yearn-financeEthereum1.11MUSDC0%4.17%3.89%
Folks-finance-xchainPolygon2.34MUSDT0%3.9%3.84%
Yearn-financeEthereum12.60MDAI0%4.34%3.83%
WasabiSolana1.68MUSDC0%7.32%3.8%
Navi-lendingSui11.53MUSDC0.59%4.99%3.75%
ExactlyOptimism1.69MUSDC0%3.11%3.72%
Lazy-summer-protocolEthereum4.78MUSDC0.68%3.66%3.69%
AcrossEthereum1.10MDAI0.4%8.11%3.66%
ExactlyOptimism1.69MUSDC0%3.83%3.66%
SymbiosisTron1.21MUSDT0%4.82%3.63%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum516.4M6.55%
Avalanche8166.9M8.39%
Base8156M5.93%
BSC000%
Ethereum171.8B5.51%
Hyperliquid000%
Mantle000%
Optimism813.5M3.98%
Polygon12.3M3.84%
Solana23.4M4.99%
TON000%
zkSync Era000%