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 3.60% on Feb 13 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
18/02/2026 11:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bracket-vaultsEthereum3.28MUSDC0%14.74%13.99%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
Ipor-fusionEthereum3.92MUSDT0%6.96%7.32%
AutofinanceEthereum18.84MUSDC0.33%8.41%6.24%
AutofinanceEthereum5.01MUSDC0%5.7%6.1%
SymbiosisEthereum1.18MUSDC0%5.94%5.58%
Yearn-financeEthereum7.39MUSDC0%5.73%5.43%
Euler-v2Ethereum40.10MUSDC0%4.94%5.22%
Euler-v2Ethereum24.24MUSDC0%4.67%4.94%
Yearn-financeEthereum7.36MUSDT0%4.58%4.8%
Flux-financeEthereum1.61MUSDT0%4.61%4.63%
DolomiteEthereum12.53MUSDC0%4.54%4.22%
Flux-financeEthereum1.44MUSDC0%4.17%4.19%
MapleEthereum1.35BUSDT0%4.51%4.06%
Spark-savingsEthereum224.86MUSDC0%4%4%
Yearn-financeEthereum7.34MUSDT0%4.26%3.93%
Yearn-financeEthereum1.11MUSDC0%4.25%3.87%
Yearn-financeEthereum1.11MUSDC0%4.25%3.87%
Yearn-financeEthereum12.67MDAI0%4.43%3.81%