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 3.76% on Nov 26 2025). 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
01/12/2025 20:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum3.89MUSDC0%48.19%44.01%
Bracket-vaultsEthereum8.77MUSDC0%18.95%18.05%
Aave-v3Ethereum129MUSDT0%3.83%10.68%
GoldfinchEthereum37.75MUSDC0%9.36%10.01%
Ipor-fusionEthereum1.24MUSDC0%13.1%9.63%
AcrossEthereum1.54MDAI0.85%9.36%9.26%
TermmaxEthereum3.10MUSDC0%7.4%7.77%
Euler-v2Ethereum17.21MUSDC0%7.2%7.05%
TermmaxEthereum2.74MUSDC0%6.41%6.69%
AutofinanceEthereum8.75MUSDC1.23%8.22%6.5%
Yearn-financeEthereum19.23MUSDC0%6.53%5.7%
MapleEthereum1.10BUSDT0.89%6.54%5.37%
Euler-v2Ethereum21.13MUSDC0%5.39%5.36%
Euler-v2Ethereum1.66MUSDT0%9.05%5.24%
Euler-v2Ethereum1.65MUSDC0%9.28%5.17%
Harvest-financeEthereum1.09MUSDC0%8.15%5.17%
Yearn-financeEthereum35.45MUSDC0%5.96%5.04%
AcrossEthereum1.90MUSDT1.17%5%4.97%
Yearn-financeEthereum14.59MDAI0%5.56%4.94%
Silo-v2Ethereum1.10MUSDC0%5.87%4.71%
Flux-financeEthereum1.54MUSDT0%4.65%4.67%
Yearn-financeEthereum16.27MUSDC0%6.13%4.65%
Yearn-financeEthereum1.10MUSDC0%7.51%4.44%
Fluid-lendingEthereum213.59MUSDT1.55%5.65%4.19%
SparklendEthereum7.96MUSDC0%3.7%4.16%
Flux-financeEthereum1.56MUSDC0%4.93%4.13%
Yearn-financeEthereum11.19MDAI0%3.5%3.89%