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 3.52% on Jan 08 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
12/01/2026 15:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum4.79MUSDC0%40.05%36.13%
Hatom-lendingMultiversX1.27MUSDC0.33%19.76%18.74%
Bracket-vaultsEthereum7.99MUSDC0%16.45%15.65%
Blend-pools-v2Stellar1.21MUSDC0.83%15.18%14.49%
Blend-pools-v2Stellar5.15MUSDC0%13.15%13.62%
FranciumSolana2.44MUSDC0%13.15%13.15%
AvantisBase99.41MUSDC0%10.19%12.92%
WasabiSolana2.13MUSDC0%10.72%12.79%
LiqwidCardano2.36MUSDC1.58%11.26%10.48%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
Gains-networkBase1.33MUSDC0%6.67%9.11%
LoopscaleSolana1.21MUSDC1.02%10.07%8.79%
AccountableMonad1.08MUSDC9.48%18.98%8.59%
WasabiBase10.25MUSDC0%9.1%8.55%
Ipor-fusionBase2.08MUSDC0%7.53%7.37%
DeltaprimeArbitrum1.23MUSDC0%8.46%7.28%
Woofi-earnArbitrum1.20MUSDC0%7.66%7.05%
Harvest-financeBase3.49MUSDC0%7.08%7.05%
Extra-finance-leverage-farmingBase5.65MUSDC0.07%7.04%6.95%
Yo-protocolBase29.30MUSDC0%7.01%6.78%
DeltaprimeAvalanche1.87MUSDC0%7.28%6.72%
AutofinanceArbitrum3.12MUSDC1.67%9.11%6.64%
AutofinanceEthereum7.51MUSDC1.21%7.58%6.35%
Scallop-lendSui1.53MUSDC0%5.74%6.19%
LoopscaleSolana12.76MUSDC0%7%6.14%
AutofinanceBase24.68MUSDC2.24%8.71%5.91%
Harvest-financeBase1.73MUSDC0%5.37%5.79%
SaveSolana6.83MUSDC0%5.83%5.73%
Harvest-financeBase1.83MUSDC0%5.43%5.72%
Hyperlend-pooledHyperliquid8.85MUSDC0%5.32%5.64%
Harvest-financeEthereum1.08MUSDC0%5.14%5.5%
Ipor-fusionBase1.73MUSDC0%5.2%5.36%
Gains-networkArbitrum14.28MUSDC0%11.25%5.27%
Benqi-lendingAvalanche4.52MUSDC0%4.53%5.2%
DolomiteArbitrum2.41MUSDC0%4.62%5.12%
Yearn-financeBase2.31MUSDC0%5.43%5.02%
VesperEthereum2.42MUSDC0%3.83%5.02%
Echelon-marketAptos13.28MUSDC0%4.78%5.01%
Yearn-financeEthereum1.07MUSDC0%4.59%5.01%
Yearn-financeEthereum1.07MUSDC0%4.59%5.01%
NeverlandMonad1.72MUSDC11.7%19.48%4.98%
Moonwell-lendingBase5.99MUSDC0.87%5.46%4.86%
Harmonix-financeArbitrum1.69MUSDC0%5.49%4.82%
Yearn-financeEthereum18.75MUSDC0%4.78%4.82%
Euler-v2Ethereum22.40MUSDC0%4.95%4.6%
Euler-v2Ethereum31.52MUSDC0%4.5%4.52%
Navi-lendingSui17.54MUSDC1.23%5.18%4.45%
Yearn-financeEthereum33.98MUSDC0%4.47%4.41%
ExactlyOptimism1.73MUSDC0%4.44%4.41%
SparklendEthereum4.99MUSDC0%3.94%4.38%
ExactlyOptimism1.73MUSDC0%4.44%4.36%
ExactlyOptimism1.73MUSDC0%4.53%4.25%
Folks-finance-lendingAlgorand1.95MUSDC0%4.18%4.22%
ExactlyOptimism1.73MUSDC0%4.18%4.19%
ExactlyOptimism1.73MUSDC0%4.16%4.18%
ExactlyOptimism1.73MUSDC0%4.21%4.13%
Flux-financeEthereum1.58MUSDC0%4.13%4.13%
Aave-v3Avalanche12.66MUSDC0%3.43%4.03%
Spark-savingsEthereum190.58MUSDC0%4%4%
Spark-savingsAvalanche205.89MUSDC0%4%4%
ExactlyOptimism1.73MUSDC0%3.94%3.97%
Euler-v2Ethereum2.08MUSDC0%3.32%3.93%
ExactlyOptimism1.73MUSDC0%3.85%3.9%
Compound-v3Ethereum40.85MUSDC0.12%3.76%3.84%
ExactlyOptimism1.73MUSDC0%3.77%3.81%
Aave-v3Base91.91MUSDC0%3.63%3.73%
Aave-v3Linea1.41MUSDC0%3.01%3.72%
ExactlyOptimism1.73MUSDC0%3.39%3.71%
Compound-v3Base1.51MUSDC0.55%3.97%3.67%
GearboxMonad4.45MUSDC3.95%8.72%3.56%
Aave-v3Ethereum676.25MUSDC0%3.31%3.53%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum623.9M6.03%
Avalanche5227.4M4.84%
Base15283.2M6.59%
BSC000%
Ethereum252.8B6.57%
Hyperliquid18.9M5.64%
Mantle000%
Optimism1017.3M4.09%
Polygon11.5M3.73%
Solana627M8.67%
TON15.9M3.62%
zkSync Era000%