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
01/09/2026 05:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Ember-protocolEthereum1.64MUSDC0%8.16%100.6%
EnsuroEthereum1.08MUSDC0%21.48%23.77%
AccountableEthereum3.29MUSDC0%10.91%15.38%
AccountableEthereum1.06MUSDC1.25%15.31%14.25%
Ember-protocolEthereum7MUSDC0%12.9%12.9%
AccountableEthereum10.16MUSDC0%11.64%11.64%
Midas-rwaEthereum1.77MUSDC0%12.02%11.59%
Aave-v3Ethereum24.85MUSDC0%3.81%11.22%
Pareto-creditEthereum15.41MUSDC0%10.58%10.59%
Fusion-by-iporEthereum1.27MUSDC0%4.83%10.26%
AguaEthereum7.95MUSDC0%10%10%
Ember-protocolEthereum3.37MUSDC0%9.66%9.46%
Pareto-creditEthereum2.18MUSDC0%9.38%9.38%
Harvest-financeEthereum1.16MUSDC0%7.82%9.34%
Ember-protocolEthereum9.48MUSDC0%9.49%9.21%
Ember-protocolEthereum17.16MUSDC0%8.1%8.41%
Pareto-creditEthereum168.49MUSDC0%8.03%8.02%
Midas-rwaEthereum7.67MUSDC0%8.67%7.54%
Midas-rwaEthereum64.50MUSDC0%9.25%7.42%
Pareto-creditEthereum21.98MUSDC0%7.13%7.13%
Zerobase-cedefiEthereum14.05MUSDT2%9%7%
Yearn-financeEthereum8.94MUSDC0%6.16%6.86%
SentoraEthereum42.65MUSDC0%6.3%6.8%
Midas-rwaEthereum36.38MUSDC0%7.39%6.68%
Yearn-financeEthereum6.08MUSDC0%6.64%6.62%
Midas-rwaEthereum6.71MUSDC0%7.24%6.37%
Midas-rwaEthereum2.51MUSDC0%7.24%6.36%
Midas-rwaEthereum6.42MUSDC0%8.69%6.02%
AccountableEthereum2.39MUSDC15.73%26.16%5.99%
Fusion-by-iporEthereum2.69MUSDC0%5.68%5.77%
Fluid-lendingEthereum145.31MUSDC0%4.97%5.76%
Fluid-lendingEthereum4.17MUSDC0%4.97%5.76%
Compound-v3Ethereum33.48MUSDC0.11%4.18%5.69%
Centrifuge-protocolEthereum7.52MUSDC0%5.24%5.65%
Alchemix-v3Ethereum8.07MUSDC0%4.7%5.56%
AutofinanceEthereum8.02MUSDC0.85%5.87%5.22%
MapleEthereum1.03BUSDT0%4.26%4.76%
SymbiosisEthereum1.24MUSDC0%4.69%4.5%
Fluid-lendingEthereum138.73MUSDT0%4.71%4.49%
Flux-financeEthereum1.92MUSDT0%4.41%4.45%
Yo-protocolEthereum1.51MUSDC0%4.13%4.19%
TermmaxEthereum3.34MUSDC0%4.05%4.19%
Yearn-financeEthereum20.22MUSDC0%3.39%3.79%
Midas-rwaEthereum3.49MUSDC0%3.78%3.78%
Yearn-financeEthereum2.43MUSDC0%3.63%3.75%
Flux-financeEthereum2.59MUSDC0%3.73%3.73%
Ember-protocolEthereum2.04MUSDC0%3.3%3.69%
Spark-savingsEthereum309.27MUSDC0%3.52%3.52%
SparklendEthereum2MUSDC0%3.48%3.47%
Aave-v3Ethereum70.33MUSDT1.45%4.44%3.34%
Aave-v3Ethereum257.32MUSDT0%3.04%3.34%
Native-credit-poolEthereum1.77MUSDT0%3.04%3.31%
Midas-rwaEthereum71.67MUSDC0%3.28%3.28%
Aave-v3Ethereum57.02MUSDC1.71%5.27%3.27%
Aave-v4Ethereum1.46MUSDT0%2.61%3.26%
Spark-savingsEthereum366.58MUSDT0%2.98%3.25%
Yearn-financeEthereum7.43MDAI0%3.13%3.24%
Aave-v4Ethereum1.21MUSDC0%3.85%3.19%
DolomiteEthereum32.47MUSDC4.05%7.51%3.16%
Euler-v2Ethereum6.34MUSDC0%3.11%3.16%
Yearn-financeEthereum5.77MUSDT0%3.17%3.1%
Compound-v3Ethereum27.59MUSDT0.12%3.14%3.05%
Aave-v3Ethereum18.64MDAI0%2.86%3%
Euler-v2Ethereum5.54MUSDC0%3.79%2.91%
Aave-v3Ethereum1.67MUSDC0%3.01%2.79%
Centrifuge-protocolEthereum1.87MUSDC0%1.94%2.7%
SparklendEthereum61.98MUSDT0%3.7%2.62%
Aave-v3Ethereum1.53MUSDC0%2.33%2.57%
SparklendEthereum117.40MDAI0%2.17%2.17%
Aave-v4Ethereum1.38MUSDC0%2.01%2.07%
Midas-rwaEthereum26.21MUSDC0%5.62%2.04%
Aave-v4Ethereum1.11MUSDT0%1.54%1.62%
Lista-lendingEthereum3.98MUSDC7.09%6.53%0.92%
Lista-lendingEthereum2.78MUSDT6.07%5.84%0.48%
AcrossEthereum1.58MUSDT1.18%1.44%0.11%
AcrossEthereum1.10MUSDC3.93%4.22%0.01%