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 3.70% on Jul 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
17/07/2026 20:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableEthereum1.05MUSDC0%14.25%14.25%
AccountableEthereum1.05MUSDC0%14.25%14.25%
Midas-rwaEthereum1.98MUSDC0%9.88%12.76%
AccountableEthereum2.14MUSDC0%10.74%11.66%
Pareto-creditEthereum15.17MUSDC0%10.59%10.59%
Midas-rwaEthereum46.85MUSDC0%10.56%10.57%
Midas-rwaEthereum73.75MUSDC0%12.49%10.34%
GoldfinchEthereum36.72MUSDC0%10.11%10%
Pareto-creditEthereum2.13MUSDC0%9.38%9.38%
Bracket-vaultsEthereum2.82MUSDC0%9.67%9.35%
Midas-rwaEthereum7.72MUSDC0%8.82%8.74%
Midas-rwaEthereum2.50MUSDC0%7.73%8.37%
Midas-rwaEthereum6.65MUSDC0%7.74%8.37%
Pareto-creditEthereum157.52MUSDC0%8.31%8.31%
Midas-rwaEthereum29.02MUSDC0%3.41%8.27%
Midas-rwaEthereum4.54MUSDC0%6.23%7.82%
Ember-protocolEthereum7.80MUSDC0%12.83%7.18%
Pareto-creditEthereum21.81MUSDC0%7.13%7.13%
Zerobase-cedefiEthereum14.04MUSDT2%9%7%
Harvest-financeEthereum1.17MUSDC0%7.69%6.97%
Yearn-financeEthereum6.17MUSDC0%5.88%6.74%
AutofinanceEthereum8.66MUSDC0.41%6.53%6.39%
Yearn-financeEthereum9.10MUSDC0%5.9%6.07%
AccountableEthereum3.95MUSDC10.22%15.4%5.87%
Ember-protocolEthereum3.30MUSDC0%9.28%5.57%
Yearn-financeEthereum1.19MUSDC0%4.59%5.51%
Fusion-by-iporEthereum2.90MUSDC0%6.2%5.32%
Fluid-lendingEthereum9.44MUSDC0%5.69%5.23%
Fluid-lendingEthereum137.20MUSDC0%6.13%5.23%
SparklendEthereum16.66MUSDT0%3.4%4.89%
Flux-financeEthereum1.90MUSDT0%4.46%4.45%
MapleEthereum0.93BUSDT0%4.06%4.1%
Fluid-lendingEthereum140.28MUSDT0%5.58%4.09%
Yo-protocolEthereum2.38MUSDC0%4.16%4.05%
Native-credit-poolEthereum6.26MUSDC0%3.61%3.91%
SymbiosisEthereum1.32MUSDC0%6.07%3.82%
Flux-financeEthereum2.60MUSDC0%3.72%3.72%
Lazy-summer-protocolEthereum4.05MUSDC0.4%3.99%3.71%