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 % 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 USDC Yield: Lending/Staking/Liquidity Pools APY Rates on DexLender
14/08/2026 07:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Neutral-tradeSolana2.23MUSDC0%35.2%46.36%
EnsuroEthereum1.03MUSDC0%21.54%26.03%
AccountableMonad7.66MUSDC1.02%29.33%19.8%
Neutral-tradeSolana1.04MUSDC0%38%18.48%
AccountableMonad100.22MUSDC0.29%17.1%14.4%
AccountableEthereum1.07MUSDC1.25%14.55%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Neutral-tradeSolana1.13MUSDC0%7.66%13.14%
Ember-protocolEthereum7.08MUSDC0%12.87%12.9%
AccountableEthereum10.18MUSDC0%11.64%11.64%
AccountableMonad5.06MUSDC0.5%12.13%11.64%
Ember-protocolSui1.32MUSDC0%9.14%11.16%
Midas-rwaEthereum1.73MUSDC0%11.18%10.89%
AccountableEthereum4.55MUSDC8.78%22.44%10.65%
Harvest-financeBase1.87MUSDC0%11.67%10.64%
Pareto-creditEthereum15.28MUSDC0%10.59%10.58%
Ember-protocolEthereum5.92MUSDC0%7.34%10.37%
GoldfinchEthereum35.94MUSDC0%10.15%10.21%
Ember-protocolSui6.57MUSDC0%9.32%10.13%
Midas-rwaEthereum71.92MUSDC0%10.24%10.04%
AguaEthereum12.86MUSDC0%10%10%
Midas-rwaEthereum26.19MUSDC0%4.82%10%
AccountableMonad1.04MUSDC0%10.2%10%
YieldseekerBase1.26MUSDC0%8.96%9.82%
Ember-protocolEthereum3.33MUSDC0%9.45%9.64%
Pareto-creditEthereum2.14MUSDC0%9.38%9.38%
Bracket-vaultsEthereum2.60MUSDC0%9.32%9.32%
Ember-protocolSui1.07MUSDC0%9.54%9.32%
Midas-rwaEthereum6.40MUSDC0%7.33%9.23%
Midas-rwaEtherlink1.12MUSDC0%7.35%9.23%
Midas-rwaEthereum8.04MUSDC0%9.45%9.08%
Midas-rwaEthereum38.46MUSDC0%9.72%9%
Harvest-financeEthereum1.15MUSDC0%6.52%8.72%
Neutral-tradeSolana3.23MUSDC0%7.94%8.67%
Moonwell-lendingBase1.34MUSDC0.32%5.55%8.49%
AccountableEthereum3.33MUSDC0%10.66%8.32%
Euler-v2Monad1.51MUSDC1.25%9.99%8.11%
AvantisBase20.03MUSDC0%9.59%8.03%
Pareto-creditEthereum168.44MUSDC0%8.21%8.02%
Ember-protocolSui8.27MUSDC4%12%8%
Ember-protocolEthereum16.88MUSDC0%6.85%7.98%
AccountableMonad9.93MUSDC0.5%8.94%7.61%
Midas-rwaEthereum6.68MUSDC0%7.53%7.48%
Midas-rwaEthereum2.50MUSDC0%7.52%7.48%
Extra-finance-leverage-farmingBase3.19MUSDC0%6.82%7.35%
AccountableMonad1.08MUSDC0.5%7.71%7.28%
Ember-protocolSui1.16MUSDC3.82%11.31%7.25%
Pareto-creditEthereum21.91MUSDC0%7.13%7.13%
SentoraEthereum46.69MUSDC0%6.69%6.87%
Midas-rwaEtherlink4.80MUSDC0%9.53%6.85%
Zerobase-cedefiBSC2.03MUSDC2%8.76%6.76%
LoopscaleSolana2.68MUSDC0.25%6.98%6.62%
Blend-pools-v2Stellar14.13MUSDC0%7.33%6.58%
Yearn-financeEthereum6.95MUSDC0%7.07%6.54%
Yearn-financeEthereum1.19MUSDC0%6.19%6.46%
Yo-protocolBase1.12MUSDC0%6.79%6.44%
Harmonix-financeHyperliquid L118.19MUSDC0%7.11%6.27%
Yearn-financeEthereum8.72MUSDC0%5.92%5.92%
SymbiosisEthereum1.21MUSDC0%4.51%5.91%
Hyperlend-pooledHyperliquid L112.01MUSDC0%7.26%5.89%
Fusion-by-iporEthereum1.19MUSDC0%5.55%5.82%
SymbioticEthereum1MUSDC0%5.73%5.69%
SymbioticEthereum1MUSDC0%5.73%5.69%
Fluid-lendingBase9.12MUSDC0%5.27%5.42%
Fluid-lendingEthereum148.96MUSDC0%5.15%5.33%
Fluid-lendingEthereum8.89MUSDC0%5.15%5.33%
Centrifuge-protocolAvalanche261.12MUSDC0%4.51%5.25%
Centrifuge-protocolBase50.35MUSDC0%4.51%5.25%
Centrifuge-protocolEthereum5.74MUSDC0%4.5%5.25%
AutofinanceEthereum8.44MUSDC0.42%6.23%5.18%
AutofinanceBase4.85MUSDC2.66%7.97%5.15%
Kamino-lendSolana2.94MUSDC0%4.78%5.04%
Navi-lendingSui6.36MUSDC0.44%5.43%4.97%
Yearn-financeBase1.81MUSDC0%4.93%4.9%
Fusion-by-iporBase1.06MUSDC2.5%7.71%4.52%
SymbioticEthereum1.54MUSDC0%4.44%4.46%
Alchemix-v3Ethereum7.48MUSDC0%4.57%4.45%
DolomiteArbitrum1.34MUSDC0%4.55%4.42%
Benqi-lendingAvalanche3.53MUSDC0%4.06%4.38%
ExactlyOP Mainnet1.56MUSDC0%4.34%4.37%
Jupiter-lendSolana422.69MUSDC0.71%4.89%4.34%
ExactlyOP Mainnet1.56MUSDC0%4.27%4.31%
LoopscaleSolana3.15MUSDC0%4.96%4.3%
Fluid-lendingArbitrum41.60MUSDC0%5.14%4.29%
ExactlyOP Mainnet1.56MUSDC0%4.21%4.25%
Kamino-lendSolana11.37MUSDC0%4.05%4.22%
ExactlyOP Mainnet1.56MUSDC0%4.18%4.2%
ExactlyOP Mainnet1.56MUSDC0%4.11%4.19%
ExactlyOP Mainnet1.56MUSDC0%4.08%4.13%
Native-credit-poolEthereum3.04MUSDC0%4.31%4.1%
TermmaxEthereum3.35MUSDC0%3.8%4.06%
ExactlyOP Mainnet1.56MUSDC0%3.79%4.04%
ExactlyOP Mainnet1.56MUSDC0%4.11%4.03%
Neutral-tradeSolana2.45MUSDC0%4.64%4%
Yo-protocolBase9.68MUSDC0%4.26%3.96%
Yo-protocolEthereum1.84MUSDC0%4.26%3.96%
AmpleBase4.40MUSDC0%4.09%3.84%
Midas-rwaEthereum3.51MUSDC0%5.61%3.78%
Centrifuge-protocolMonad4.54MUSDC0%3.71%3.74%
Centrifuge-protocolPharos4.35MUSDC0%3.58%3.74%
Flux-financeEthereum2.59MUSDC0%3.72%3.73%
TermmaxBase1.14MUSDC0%3.99%3.7%
ExactlyOP Mainnet1.56MUSDC0%3.51%3.7%
ExactlyOP Mainnet1.56MUSDC0%3.21%3.62%
Aave-v3Base18.55MUSDC0%3.33%3.59%
Yearn-financeEthereum2.42MUSDC0%3.49%3.57%
Spectra-metavaultsBase3.02MUSDC0%2.53%3.55%
Gami-labsBase3.02MUSDC0%2.53%3.55%
Spark-savingsEthereum269.54MUSDC0%3.54%3.52%
Spark-savingsAvalanche11.76MUSDC0%3.54%3.52%
Aave-v3Avalanche5.69MUSDC0%3.75%3.5%
Ember-protocolSui1.19MUSDC0%3.4%3.49%
SparklendEthereum1.76MUSDC0%3.52%3.47%
Kamino-lendSolana1.12MUSDC0%4.9%3.4%
Euler-v2Ethereum6.24MUSDC0%4.44%3.35%
DolomiteEthereum28.01MUSDC4.08%7.5%3.35%
Aave-v3Ethereum64.67MUSDC1.5%5.96%3.31%
Yearn-financeEthereum25.87MUSDC0%3.29%3.29%
Compound-v3Ethereum39.52MUSDC0.09%3.56%3.19%
Midas-rwaEthereum64.83MUSDC0%3.17%3.16%
Midas-rwaEtherlink1.22MUSDC0%3.19%3.16%
Aave-v3Monad13.54MUSDC1.92%7.25%3.16%
TydroInk1.61MUSDC0%1.69%3.05%
Euler-v2Ethereum7.63MUSDC0%3.13%3.04%
Ember-protocolEthereum2.03MUSDC0%1.88%2.99%
Aave-v3OP Mainnet1.61MUSDC0%3.11%2.96%
Echelon-marketAptos1.10MUSDC1.56%3.76%2.91%
Aave-v3Polygon12.25MUSDC0%2.74%2.88%
Centrifuge-protocolEthereum1.67MUSDC0%0.18%2.84%
CurvanceMonad1.44MUSDC2.7%4.97%2.81%
Aave-v3BSC2.43MUSDC0%2.82%2.79%
Gains-networkArbitrum5.56MUSDC0%4.79%2.79%
Compound-v3Arbitrum3.63MUSDC0%2.72%2.74%
Aave-v3Ethereum1.72MUSDC0%3.04%2.74%
Ember-protocolSui1.89MUSDC0%5.54%2.69%
Aave-v3Ethereum1.54MUSDC0%2.11%2.67%
Aave-v3Arbitrum38.63MUSDC0%2.57%2.39%
Scallop-lendSui1.30MUSDC0%2.92%2.38%
Aave-v4Ethereum1.47MUSDC0%3.34%2.28%
Venus-core-poolBSC17.58MUSDC0%2.71%2.27%
SaveSolana6.49MUSDC0%2.4%2.26%
CurrentSui7.11MUSDC7.29%9.1%2.12%
Aave-v3Sonic1.19MUSDC0%1.94%1.87%
Aave-v4Ethereum1.11MUSDC0%1.43%1.62%
Kamino-lendSolana1.29MUSDC0%1.35%1.36%
NeverlandMonad2.40MUSDC6.18%5.39%1.16%
ExactlyOP Mainnet1.56MUSDC0%0.96%1%
Zest-v2Stacks10.09MUSDC0%0.48%0.5%
Lista-lendingEthereum3.25MUSDC4.54%6.23%0.45%
TectonicCronos54.20MUSDC0%0.12%0.12%
Aave-v4Avalanche4.67MUSDC0%0.6%0.08%
CredixSolana13.48MUSDC0%0.09%0.04%
AcrossEthereum1.09MUSDC4.15%4.55%0.03%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum8108.2M3.47%
Avalanche7291.6M3.19%
Base17135.8M5.78%
BSC14190.1M3.43%
Ethereum803.5B5.72%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon314.5M14.12%
Solana17497.3M7.67%
TON13.1M5.52%
zkSync Era000%