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 % 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
16/10/2026 06:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
EnsuroEthereum1.29MUSDC0%21.57%21.4%
AccountableEthereum1.05MUSDC0%15%14.25%
Vectis-financeEthereum1.79MUSDC0%13.87%13.94%
Ember-protocolEthereum1.64MUSDC0%12.93%12.93%
Ember-protocolEthereum2.63MUSDC0%13.06%12.9%
AccountableEthereum11.07MUSDC0%12.29%12.13%
Aave-v3Ethereum19.33MUSDC0%4.34%11.66%
Pareto-creditEthereum11.10MUSDC0%10.59%10.59%
Midas-rwaEthereum26.36MUSDC0%8.62%10.21%
AguaEthereum11.51MUSDC0%10%10%
AccountableEthereum2.85MUSDC9.84%32.35%9.47%
Ember-protocolEthereum3.72MUSDC0%9.58%9.43%
Pareto-creditEthereum2.01MUSDC0%9.38%9.38%
Midas-rwaEthereum7.92MUSDC0%6.93%9.32%
Ember-protocolEthereum18MUSDC0%11.36%9.03%
AccountableEthereum3.39MUSDC0%12.18%8.86%
Centrifuge-protocolEthereum2.68MUSDT0%6.08%8.8%
Pareto-creditEthereum127.68MUSDC0%7.94%8.06%
Compound-v3Ethereum13.77MUSDT0%3.55%7.67%
Sentora-curatorEthereum97.04MUSDC0%7.58%7.51%
Midas-rwaEthereum65.91MUSDC0%7.52%7.43%
AccountableEthereum1.79MUSDC0%13.93%7.37%
Yearn-financeEthereum7.45MUSDC0%6.87%7.01%
Zerobase-cedefiEthereum14.19MUSDT2%9%7%
Fluid-lendingEthereum134.83MUSDC0%5.09%6.91%
Fusion-by-iporEthereum1.28MUSDC0%6.26%6.87%
Pareto-creditEthereum22.09MUSDC0%6.62%6.62%
Yearn-financeEthereum11.59MUSDC0%6.72%6.54%
Midas-rwaEthereum29.65MUSDC0%7.32%6.19%
Midas-rwaEthereum34.06MUSDC0%6.35%6.1%
Harvest-financeEthereum1.16MUSDC0%6.16%5.95%
SymbioticEthereum1.01MUSDC0%3.13%5.73%
Alchemix-v3Ethereum7.91MUSDC0%5.32%5.7%
Compound-v3Ethereum35.41MUSDC0%4.72%5.66%
SymbioticEthereum1.01MUSDC0%6.16%5.63%
MapleEthereum730.34MUSDT0%5.17%5.54%
Midas-rwaEthereum2.53MUSDC0%7%5.36%
Midas-rwaEthereum3.39MUSDC0%7.02%5.36%
Aave-v4Ethereum2.45MUSDC0%5.06%5.32%
AutofinanceEthereum7.52MUSDC0.85%6.25%5.26%
Ember-protocolEthereum6.08MUSDC0%10.99%4.78%
Yo-protocolEthereum1.47MUSDC0%4.36%4.55%
Flux-financeEthereum1.95MUSDT0%4.44%4.44%
Ember-protocolEthereum2.05MUSDC0%4.42%4.39%
Yearn-financeEthereum2.39MUSDC0%4.14%4.27%
Flux-financeEthereum1.60MUSDC0%4.14%4.14%
Fluid-lendingEthereum127.50MUSDT0%4.47%3.96%
Native-credit-poolEthereum1.14MUSDC0%4.24%3.88%
Spark-savingsEthereum300.58MUSDC0%3.66%3.8%
Midas-rwaEthereum6.44MUSDC0%3.68%3.77%
Spark-savingsEthereum715.91MUSDT0%3.59%3.75%
Aave-v3Ethereum53.72MUSDC1.81%5.93%3.75%
Centrifuge-protocolEthereum9.31MUSDC0%3.75%3.73%
Yearn-financeEthereum19.47MUSDC0%3.65%3.68%
Yearn-financeEthereum1.12MUSDC0%3.43%3.64%
SparklendEthereum4.70MUSDC0%3.4%3.56%
Midas-rwaEthereum1.72MUSDC0%7.93%3.5%
Aave-v3Ethereum11.26MDAI0%3.26%3.4%
SparklendEthereum16.09MUSDT0%3.4%3.39%
Yearn-financeEthereum5.69MUSDT0%3.27%3.38%
Midas-rwaEthereum74.88MUSDC0%3.34%3.37%
Aave-v3Ethereum352.23MUSDT0%3.87%3.3%
Aave-v3Ethereum62.64MUSDT1.63%5.43%3.3%
DolomiteEthereum31.37MUSDC4.04%7.43%3.23%
Aave-v3Ethereum1.26MUSDC0%3.25%3.21%
Yearn-financeEthereum6.76MDAI0%2.89%3.03%
Aave-v4Ethereum5.18MUSDT0%4.14%2.91%
SparklendEthereum75.99MDAI0%2.7%2.85%
Lista-lendingEthereum4.50MUSDC5.82%7.03%1.4%
Native-credit-poolEthereum3.77MUSDT0%2.83%1.17%
Lista-lendingEthereum3.89MUSDT5.16%5.75%1.12%
AcrossEthereum1.12MUSDT2.99%3.46%0.31%