Decentralized Lending Rates for stablecoin USDC

List of decentralized protocols and stablecoin pools, 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 3.56% on Jan 12 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 USDC Yield: Lending/Staking/Liquidity Pools APY Rates on DexLender
14/01/2026 05:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum4.83MUSDC0%39.66%36.14%
Hatom-lendingMultiversX1.27MUSDC0.33%20.53%18.74%
Bracket-vaultsEthereum7.99MUSDC0%16.35%15.57%
Blend-pools-v2Stellar1.28MUSDC0.72%15.22%13.22%
FranciumSolana2.44MUSDC0%13.15%13.15%
AvantisBase100.51MUSDC0%10.34%13.15%
WasabiSolana2.17MUSDC0%10.96%12.71%
Blend-pools-v2Stellar5.41MUSDC0%13.31%12.6%
LiqwidCardano2.37MUSDC1.58%11.38%10.46%
GoldfinchEthereum37.74MUSDC0%10.01%10.01%
Gains-networkBase1.33MUSDC0%6.78%9.94%
Ipor-fusionEthereum6.90MUSDC0%7.33%8.7%
AccountableMonad1.08MUSDC9.48%19.15%8.59%
LoopscaleSolana3.78MUSDC0.85%10.02%8%
WasabiBase10.17MUSDC0%9%7.99%
AutofinanceEthereum7.54MUSDC1.17%7.65%7.88%
Ipor-fusionBase1.99MUSDC0%7.49%7.14%
Woofi-earnArbitrum1.22MUSDC0%7.64%7.03%
Euler-v2Avalanche2.03MUSDC0%8.76%6.88%
Extra-finance-leverage-farmingBase5.85MUSDC0.07%7.01%6.87%
Harvest-financeBase3.55MUSDC0%7.06%6.81%
DeltaprimeAvalanche1.87MUSDC0%7.2%6.75%
Yo-protocolBase25.97MUSDC0%6.98%6.71%
LoopscaleSolana11.72MUSDC0%6.86%6.17%
Scallop-lendSui1.64MUSDC0%5.74%6.03%
Euler-v2Arbitrum1.16MUSDC0%6.3%5.91%
AutofinanceBase24.37MUSDC2.36%8.62%5.91%
Hyperlend-pooledHyperliquid8.40MUSDC0%5.3%5.83%
SaveSolana6.79MUSDC0%5.82%5.74%
Echelon-marketAptos11.57MUSDC0%4.81%5.6%
Harvest-financeBase1.73MUSDC0%5.36%5.55%
Benqi-lendingAvalanche3.88MUSDC0%4.6%5.42%
Euler-v2Arbitrum1.38MUSDC0%5.91%5.36%
DolomiteArbitrum2.34MUSDC0%4.65%5.25%
Harvest-financeEthereum1.07MUSDC0%5.18%5.15%
DeltaprimeArbitrum1.23MUSDC0%8.29%5.05%
Ipor-fusionBase1.73MUSDC0%5.21%5.01%
Harmonix-financeArbitrum1.66MUSDC0%5.37%5%
TermmaxEthereum1.06MUSDC0%4.49%4.96%
TermmaxEthereum1.06MUSDC0%4.49%4.96%
Harvest-financeBase1.49MUSDC0%5.41%4.76%
Navi-lendingSui16.32MUSDC1.32%5.25%4.62%
Yearn-financeBase2.31MUSDC0%5.37%4.61%
Gains-networkArbitrum14.31MUSDC0%10.94%4.51%
Euler-v2Ethereum23.37MUSDC0%4.87%4.5%
Euler-v2Ethereum32.01MUSDC0%4.54%4.47%
Yearn-financeEthereum2.58MUSDC0%4.76%4.46%
VesperEthereum2.43MUSDC0%3.92%4.45%
ExactlyOptimism1.80MUSDC0%4.43%4.41%
SparklendEthereum5MUSDC0%3.95%4.38%
ExactlyOptimism1.80MUSDC0%4.43%4.35%
Yearn-financeEthereum33.96MUSDC0%4.45%4.35%
Yearn-financeEthereum1.07MUSDC0%4.63%4.33%
Folks-finance-lendingAlgorand1.90MUSDC0%4.17%4.29%
AutofinanceArbitrum3.20MUSDC2%8.92%4.23%
ExactlyOptimism1.80MUSDC0%4.18%4.19%
ExactlyOptimism1.80MUSDC0%4.16%4.18%
ExactlyOptimism1.80MUSDC0%4.5%4.15%
Flux-financeEthereum1.58MUSDC0%4.13%4.13%
ExactlyOptimism1.80MUSDC0%4.19%4.06%
Euler-v2Ethereum1.96MUSDC0%3.41%4.05%
Moonwell-lendingBase9.09MUSDC0.81%5.45%4.01%
Spark-savingsAvalanche208.50MUSDC0%4%4%
Spark-savingsEthereum173.21MUSDC0%4%4%
ExactlyOptimism1.80MUSDC0%3.94%3.98%
Aave-v3Avalanche13.60MUSDC0%3.49%3.97%
ExactlyOptimism1.80MUSDC0%3.86%3.9%
ExactlyOptimism1.80MUSDC0%3.78%3.83%
Yearn-financeEthereum1.94MUSDC0%3.98%3.8%
Aave-v3Linea1.38MUSDC0%3.06%3.75%
ExactlyOptimism1.80MUSDC0%3.41%3.71%
Aave-v3Ethereum629.57MUSDC0%3.32%3.6%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum826.5M5.29%
Avalanche6231.9M5.27%
Base13190.1M6.8%
BSC000%
Ethereum283B6.59%
Hyperliquid18.4M5.83%
Mantle000%
Optimism1018M4.08%
Polygon000%
Solana628.7M8.49%
TON15.9M4.85%
zkSync Era000%