Ethereum Decentralized Lending Rates for stablecoin

List of decentralized protocols and stablecoin pools on Ethereum blockchain, 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 4.22% on Feb 05 2025). 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
07/02/2025 16:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Yearn-financeEthereum2.77MDAI0%12.42%12.03%
Yearn-financeEthereum3.25MUSDC0%12.43%11.98%
Ipor-derivativesEthereum2.02MUSDC0.16%14.95%11.74%
Ipor-fusionEthereum4.61MUSDC0%15.83%11.61%
SparkEthereum125.35MDAI0%10.9%10.71%
Yearn-financeEthereum1.03MDAI0.17%22.05%10.59%
Yearn-financeEthereum1.03MDAI0.17%22.05%10.59%
Yearn-financeEthereum16.16MDAI0%10.48%10.16%
Yearn-financeEthereum2.77MDAI2.8%11.71%9.65%
GoldfinchEthereum42.70MUSDC0%9.48%9.55%
Compound-v2Ethereum20.46MUSDT0%9.73%8.75%
Morpho-aaveEthereum2.22MUSDT0%56.7%8.44%
GearboxEthereum2.30MUSDC0.7%8.9%8.31%
VesperEthereum2.15MUSDC0%16.33%7.5%
Harvest-financeEthereum1.12MUSDC0%9.78%7.31%
Yearn-financeEthereum6.81MUSDC0.28%9.62%7.21%
Fluid-lendingEthereum213.05MUSDT2.86%10.4%6.83%
Compound-v2Ethereum6.04MUSDC0%7.11%6.83%
Aave-v3Ethereum24.57MDAI0%6.53%6.82%
Yearn-financeEthereum10.36MUSDC0%7.96%6.76%
GearboxEthereum1.16MUSDT1.37%10.04%6.6%
Yearn-financeEthereum3.43MUSDT0%6.79%5.96%
Aave-v3Ethereum0.95BUSDT0%6.82%5.88%
Fluid-lendingEthereum237.78MUSDC2.56%10.97%5.8%
Yearn-financeEthereum1.30MUSDT0%8.3%5.72%
Aave-v3Ethereum1.62MUSDC0%7.49%5.72%
Yearn-financeEthereum6.10MUSDT0%7.1%5.59%
Morpho-aaveEthereum1.30MUSDC0%13.42%5.52%
Yearn-financeEthereum5.99MUSDT0%6.65%5.5%
AcrossEthereum5.70MDAI2.59%10.34%5.28%
Aave-v3Ethereum0.98BUSDC0%7.18%4.86%
Yearn-financeEthereum1.09MUSDC0%7.27%4.86%
Compound-v3Ethereum15.48MUSDT0.87%8.37%4.84%
Flux-financeEthereum1.34MUSDT0%4.78%4.78%
Compound-v3Ethereum64.87MUSDC0.25%7.37%4.72%
SandclockEthereum1.11MUSDC15%24.18%4.55%