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 3.57% on Jan 15 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
17/01/2026 01:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum4.90MUSDC0%38.88%35.07%
Bracket-vaultsEthereum8.01MUSDC0%16.22%15.6%
Ipor-fusionEthereum5.12MUSDT0%6.66%10.77%
GoldfinchEthereum37.81MUSDC0%10.01%10.01%
AutofinanceEthereum9.56MUSDC0.94%7.84%8.87%
TermmaxEthereum1.06MUSDC0%4.38%4.96%
MapleEthereum1.60BUSDT0%5.28%4.84%
Yearn-financeEthereum7.98MUSDT0%4.6%4.79%
Harvest-financeEthereum1.07MUSDC0%5.14%4.74%
Yearn-financeEthereum9.53MUSDC0%4.68%4.62%
Flux-financeEthereum1.65MUSDT0%4.61%4.59%
Yearn-financeEthereum8.13MUSDT0%4.31%4.54%
Euler-v2Ethereum32.02MUSDC0%4.72%4.52%
Euler-v2Ethereum27.41MUSDC0%4.81%4.33%
Yearn-financeEthereum14.55MDAI0%4.41%4.31%
Yearn-financeEthereum33.90MUSDC0%4.4%4.3%
Yearn-financeEthereum1.08MUSDC0%4.57%4.17%
Flux-financeEthereum1.58MUSDC0%4.13%4.13%
Euler-v2Ethereum1.96MUSDC0%3.45%4.1%
VesperEthereum2.56MUSDC0%3.97%4.03%
SparklendEthereum35.50MUSDT0%3.3%4.01%
Spark-savingsEthereum154.45MUSDT0%4%4%
Spark-savingsEthereum175.96MUSDC0%4%4%
SparklendEthereum7.15MUSDC0%3.93%3.96%
Aave-v3Ethereum1.12MUSDC0%3.52%3.65%