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
14/09/2026 04:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Harvest-financeBase2.05MUSDC0%29.47%131.78%
AccountableEthereum1.81MUSDC20.3%30.56%40.44%
Gains-networkArbitrum4.63MUSDC0%12.68%28.45%
EnsuroEthereum1.15MUSDC0%21.41%20.24%
AvantisBase10.52MUSDC0%7.94%19.69%
AccountableMonad7.50MUSDC0.91%17.58%17.44%
Neutral-tradeSolana2.13MUSDC0%11.77%15.88%
AccountableEthereum1.07MUSDC0%15.2%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum1.64MUSDC0%24.06%12.93%
Ember-protocolEthereum6.92MUSDC0%12.86%12.9%
Neutral-tradeSolana2.25MUSDC0%25.96%12.63%
Aave-v3Ethereum5.47MUSDC0%3.88%12.55%
AccountableEthereum11.74MUSDC0%11.99%12.51%
Midas-rwaEthereum26.37MUSDC0%4.93%11.87%
AccountableMonad5.04MUSDC0.42%12.11%11.64%
Nawa-protocolZIGChain3.43MUSDC0%9.01%11.63%
AccountableMonad74.98MUSDC0.26%12.48%11.4%
Pareto-creditEthereum11.01MUSDC0%10.59%10.59%
Neutral-tradeSolana1.17MUSDC0%9.42%10.32%
Ember-protocolSui1.34MUSDC0%9.91%10.09%
Ember-protocolSui8.11MUSDC0%10.18%10%
AguaEthereum5.11MUSDC0%10%10%
Ember-protocolEthereum3.32MUSDC0%9.55%9.41%
Ember-protocolEthereum10.28MUSDC0%9.67%9.38%
Pareto-creditEthereum2.18MUSDC0%9.38%9.38%
Bitway-earnBSC25.34MUSDT0%8%8%
Ember-protocolSui9.23MUSDC4%12%8%
YieldseekerBase1.03MUSDC0%8.58%7.91%
Harvest-financeBase1.04MUSDC0%6.82%7.87%
Pareto-creditEthereum148.57MUSDC0%7.93%7.82%
Lista-lendingBSC2.12MUSDT0%1.75%7.7%
Midas-rwaEthereum65.21MUSDC0%8.12%7.67%
Midas-rwaEthereum1.70MUSDC0%9.18%7.58%
Blend-pools-v2Stellar10.30MUSDC0%6.87%7.52%
Bitway-earnBSC6.66MUSDT0%7.17%7.5%
Midas-rwaEthereum7.65MUSDC0%7.98%7.4%
Centrifuge-protocolEthereum9.29MUSDC0%5.15%7.25%
Euler-v2Monad1.73MUSDC1.25%8.53%7.22%
Fusion-by-iporBase1.04MUSDC0%6.27%7.16%
Midas-rwaEthereum67.34MUSDC0%7.13%7.13%
Midas-rwaEthereum31.57MUSDC0%6.38%7.12%
Yearn-financeEthereum6.08MUSDC0%6.67%7.01%
Zerobase-cedefiEthereum14.07MUSDT2%9%7%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Zerobase-cedefiArbitrum7.63MUSDT2%9%7%
Harmonix-financeHyperliquid L120.36MUSDC0%6.76%6.88%
LoopscaleSolana1.33MUSDC0.31%6.99%6.85%
AccountableMonad1.63MUSDC0.36%7.55%6.79%
Zerobase-cedefiBSC18.45MUSDT2%8.76%6.76%
Zerobase-cedefiBSC2MUSDC2%8.76%6.76%
Yearn-financeEthereum9.34MUSDC0%6.66%6.72%
Midas-rwaEthereum6.72MUSDC0%7.43%6.64%
Midas-rwaEthereum2.52MUSDC0%7.45%6.64%
Pareto-creditEthereum22.01MUSDC0%7.01%6.62%
Sentora-curatorEthereum73.10MUSDC0%6.62%6.56%
SymbiosisEthereum1.29MUSDC0%4.99%6.15%
Fusion-by-iporEthereum1.24MUSDC0%7.87%6.13%
Extra-finance-leverage-farmingBase3.83MUSDC0%6.73%6%
Kamino-lendSolana8.80MUSDC0%7.21%5.96%
Harvest-financeEthereum1.17MUSDC0%9.38%5.8%
Neutral-tradeSolana3.37MUSDC0%4.99%5.78%
Fusion-by-iporEthereum1.28MUSDC0%5.99%5.69%
Hyperlend-pooledHyperliquid L114.80MUSDC0%5.78%5.65%
Alchemix-v3Ethereum7.65MUSDC0%5.16%5.51%
Fusion-by-iporEthereum2.39MUSDC0%5.99%5.46%
AutofinanceEthereum7.70MUSDC0.95%6.05%5.26%
Storm-tradeTON2.88MUSDT0%5.4%5.26%
Lista-lendingBSC2.49MUSDT0%7.05%5.14%
Benqi-lendingAvalanche2.15MUSDC0%4.84%5.12%
AutofinanceBase3.57MUSDC5%8.67%5.07%
Yearn-financeBase1.72MUSDC0%5.01%5.04%
Ember-protocolEthereum17.32MUSDC0%8.87%5%
Centrifuge-protocolAvalanche262.23MUSDC0%5.09%4.99%
Centrifuge-protocolBase50.57MUSDC0%5.09%4.99%
AccountableMonad9.26MUSDC0.42%6.63%4.96%
Native-credit-poolEthereum1.14MUSDC0%4.79%4.93%
Fluid-lendingBase9.22MUSDC0%4.96%4.87%
Fusion-by-iporBase1.19MUSDC3.5%7.54%4.8%
Aave-v3Avalanche2.23MUSDT0%3.97%4.76%
MapleEthereum868.54MUSDT0%4.52%4.62%
Fluid-lendingEthereum154.19MUSDC0%4.87%4.56%
Fluid-lendingEthereum3.79MUSDC0%4.86%4.56%
Kamino-lendSolana3.28MUSDC0%5.72%4.49%
Flux-financeEthereum1.89MUSDT0%4.44%4.47%
Yearn-financeBase1.01MUSDC0%4.41%4.42%
Yearn-financeBase1.01MUSDC0%4.41%4.42%
ExactlyOP Mainnet1.67MUSDC0%4.38%4.39%
Aave-v3Monad15.04MUSDC1.59%5.56%4.39%
Navi-lendingSui9.80MUSDC0.37%5.52%4.38%
DolomiteArbitrum1.30MUSDC0%4.38%4.37%
Fluid-lendingEthereum131.66MUSDT0%4.82%4.34%
ExactlyOP Mainnet1.67MUSDC0%4.32%4.33%
ExactlyOP Mainnet1.67MUSDC0%4.29%4.33%
Aave-v4Ethereum1.33MUSDT0%3.3%4.31%
Ember-protocolEthereum2.04MUSDC0%3.72%4.27%
ExactlyOP Mainnet1.67MUSDC0%4.22%4.27%
Aave-v3Avalanche5.64MUSDC0%3.89%4.24%
Fluid-lendingArbitrum61.67MUSDC0%4.24%4.22%
Kamino-lendSolana4.48MUSDC0%5.71%4.2%
Yo-protocolBase8.41MUSDC0%4.09%4.2%
Yo-protocolEthereum1.35MUSDC0%4.09%4.2%
Lista-lendingBSC2.43MUSDT0%2.45%4.2%
ExactlyOP Mainnet1.67MUSDC0%4.2%4.19%
ExactlyOP Mainnet1.67MUSDC0%4.1%4.19%
Flux-financeEthereum1.57MUSDC0%3.74%4.15%
ExactlyOP Mainnet1.67MUSDC0%3.95%4.13%
TermmaxEthereum3.32MUSDC0%4.07%4.08%
CurvanceMonad3.12MUSDC2.04%5.39%4.02%
Yearn-financeEthereum2.39MUSDC0%3.78%4.01%
Aave-v4Ethereum2.66MUSDC0%4.14%3.82%
ExactlyOP Mainnet1.67MUSDC0%3.96%3.82%
Midas-rwaEthereum3.49MUSDC0%3.78%3.78%
Venus-core-poolBSC8MUSDC0%2.32%3.76%
Yearn-financeEthereum19.84MUSDC0%3.59%3.75%
Jupiter-lendSolana17.68MUSDT0%3.96%3.74%
Aave-v3Polygon1.12MDAI0%4.06%3.73%
AmpleBase4.39MUSDC0%4.05%3.71%
TydroInk13.02MUSDC0%3.39%3.68%
Compound-v3Ethereum37.09MUSDC0%4.71%3.67%
Yearn-financeEthereum1.11MUSDC0%3.83%3.65%
Spark-savingsEthereum317.77MUSDC0%3.55%3.6%
Spark-savingsAvalanche9.48MUSDC0%3.55%3.6%
SparklendEthereum2.04MUSDC0%3.5%3.54%
Aave-v3Ethereum58.28MUSDC1.67%5.41%3.54%
Aave-v3Base24.33MUSDC0%3.53%3.53%
Spark-savingsEthereum406.69MUSDT0%3.2%3.5%
SaveSolana4.59MUSDC0%2.67%3.5%
Jupiter-lendSolana482.03MUSDC0.37%4.95%3.48%
Aave-v3BSC1.54MUSDC0%2.97%3.47%
Kamino-lendSolana2.06MUSDC0%4.89%3.45%
Kamino-lendSolana24.57MUSDC0%4.89%3.44%
SparklendEthereum18.67MUSDT0%3.24%3.39%
Midas-rwaEthereum72.54MUSDC0%3.3%3.33%
Midas-rwaEtherlink1.22MUSDC0%3.3%3.33%
Yearn-financeEthereum5.78MUSDT0%3.19%3.32%
Native-credit-poolEthereum1.82MUSDT0%3.23%3.31%
Zerobase-cedefiOP Mainnet8.10MUSDT2%5.3%3.3%
Yearn-financeEthereum7.44MDAI0%3.25%3.25%
Aave-v3Ethereum408.56MUSDT0%3.35%3.2%
Aave-v3Ethereum70.79MUSDT1.44%4.78%3.2%
DolomiteEthereum32.61MUSDC3.8%7.44%3.16%
Compound-v3Ethereum22.81MUSDT0%3.09%3.14%
Native-credit-poolBSC1.56MUSDT0%3.1%3.14%
Benqi-lendingAvalanche1.17MUSDT0%3.73%3.11%
Aave-v3Ethereum17.68MDAI0%2.82%3.06%
Aave-v3Ethereum1.25MUSDC0%2.71%3.02%
Aave-v3Polygon11.95MUSDC0%2.84%2.89%
Centrifuge-protocolMonad4.55MUSDC0%3.14%2.88%
Centrifuge-protocolPharos4.40MUSDC0%3.39%2.88%
Compound-v3Arbitrum3.04MUSDC0%2.8%2.85%
Aave-v3BSC11.87MUSDT0%2.45%2.84%
Kamino-lendSolana3.08MUSDT0%4.21%2.73%
Aave-v3OP Mainnet1.93MUSDC0%2.5%2.72%
Aave-v3Arbitrum31.24MUSDC0%2.5%2.7%
Midas-rwaEthereum6.43MUSDC0%6.83%2.63%
Midas-rwaEtherlink1.12MUSDC0%6.81%2.63%
Compound-v3Arbitrum4.14MUSDT0%2.55%2.58%
Midas-rwaEtherlink4.84MUSDC0%8.96%2.58%
Venus-core-poolBSC68.82MUSDT0%2.5%2.51%
SparklendEthereum99.93MDAI0%2.29%2.46%
Venus-fluxBSC2.06MUSDT0%2.49%2.43%
Justlend-v1Tron68.76MUSDT0%2.31%2.41%
Centrifuge-protocolEthereum1.97MUSDT0%2.63%2.4%
Aave-v4Ethereum1.27MUSDC0%1.82%2.21%
NeverlandMonad1.24MUSDC7.29%9.39%2.21%
Aave-v4Avalanche1.53MUSDC3.03%4.22%2.1%
Echelon-marketAptos1.31MUSDC1.57%3.3%1.96%
SaveSolana2.33MUSDT0%1.64%1.91%
Aave-v3Arbitrum1.19MDAI0%1.96%1.87%
Aave-v3Sonic1.15MUSDC0%1.85%1.85%
CurrentSui16.10MUSDC5.84%9.33%1.82%
Centrifuge-protocolEthereum1.87MUSDC0%2.51%1.8%
Spectra-metavaultsBase3.02MUSDC0%2.1%1.44%
Gami-labsBase3.02MUSDC0%2.09%1.44%
Lista-lendingEthereum5.03MUSDC6.15%7.11%0.93%
ExactlyOP Mainnet1.67MUSDC0%0.93%0.92%
Kamino-lendSolana4.11MUSDC0%0.65%0.89%
Zest-v2Stacks10.14MUSDC0%0.66%0.8%
TectonicCronos1.15MUSDC0.03%0.26%0.65%
Lista-lendingEthereum3.33MUSDT6.19%5.9%0.52%
AcrossEthereum1.10MUSDC4.33%4.29%0.19%
Aave-v4Avalanche3.81MUSDT6.62%4.47%0.09%
CredixSolana13.46MUSDC0%0.05%0.07%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum8114.8M6.76%
Avalanche8288.2M3.5%
Base19141.5M12.39%
BSC13153.3M4.94%
Ethereum753.4B6.19%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon213.1M3.31%
Solana17580.7M5.25%
TON12.9M5.26%
zkSync Era000%