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 3.60% on Apr 09 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
12/04/2026 09:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bracket-vaultsEthereum2.70MUSDC0%12.25%11.78%
AvantisBase62.07MUSDC0%9.34%10.81%
Spectra-metavaultsBase5.13MUSDC2.94%93.49%10.6%
GoldfinchEthereum37.25MUSDC0%10.03%10.06%
AutofinanceArbitrum1.79MUSDC1.94%6.79%9.93%
AbyssSui1.90MUSDC0%8.64%9.87%
Blend-pools-v2Stellar10.15MUSDC0%9.3%9.05%
LoopscaleSolana1.45MUSDC1.23%8.25%7.66%
Gains-networkArbitrum8.93MUSDC0%6.47%7.36%
SymbiosisEthereum1.28MUSDC0%5.64%6.9%
Zerobase-cedefiBSC1.25MUSDC2%8.9%6.76%
AccountableMonad2.13MUSDC3.48%9.61%6.31%
AutofinanceEthereum8.49MUSDC0.65%5.35%6.06%
Yearn-financeEthereum1.67MUSDC0%5.03%5.88%
Harvest-financeBase2.02MUSDC0%6.01%5.57%
Project-0Solana2.21MUSDC0%3.99%5.4%
LoopscaleSolana1.55MUSDC0%4.92%5.04%
DeltaprimeAvalanche1.17MUSDC0%5.43%5%
Scallop-lendSui1.67MUSDC0%4.62%4.8%
Wasabi-perpsBase3.56MUSDC0%4.11%4.77%
AutofinanceBase6.79MUSDC2.78%6.21%4.75%
Woofi-earnArbitrum1.14MUSDC0%4.74%4.74%
AutofinanceEthereum8.75MUSDC0%3.98%4.73%
Extra-finance-leverage-farmingBase4.19MUSDC0%5.09%4.67%
Wasabi-perpsSolana1.30MUSDC0%5.12%4.63%
Euler-v2Monad1.81MUSDC0%1.04%4.61%
Hyperlend-pooledHyperliquid L113.01MUSDC0%3.98%4.59%
Yo-protocolEthereum11.05MUSDC12%14.07%4.47%
Yo-protocolBase27.68MUSDC12%14.13%4.47%
Yearn-financeEthereum3.71MUSDC0%4.32%4.25%
DolomiteEthereum13.86MUSDC0%5.8%4.22%
SparklendEthereum1.92MUSDC0%4.12%4.14%
Benqi-lendingAvalanche5.58MUSDC0%3.92%4.04%
ExactlyOptimism1.60MUSDC0%0.16%3.99%
Navi-lendingSui10.98MUSDC0.51%4.41%3.98%
ExactlyOptimism1.60MUSDC0%3.64%3.97%
ExactlyOptimism1.60MUSDC0%4.23%3.93%
LiqwidCardano1.11MUSDC0%3.34%3.87%
LiqwidCardano1.11MUSDC0%3.34%3.87%
Euler-v2Avalanche2.02MUSDC0%6.79%3.82%
Euler-v2Ethereum28.15MUSDC0%3.5%3.81%
Flux-financeEthereum2.43MUSDC0%3.87%3.77%
Spark-savingsAvalanche67.50MUSDC0%3.75%3.75%
Spark-savingsEthereum404.61MUSDC0%3.75%3.75%
NeverlandMonad17.76MUSDC4.24%8.47%3.72%
ExactlyOptimism1.60MUSDC0%3.19%3.7%
ExactlyOptimism1.60MUSDC0%1.2%3.65%
ExactlyOptimism1.60MUSDC0%4%3.62%
Fluid-lendingArbitrum31.12MUSDC1%5.85%3.62%
Fluid-lendingBase10.05MUSDC2.13%6.26%3.61%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum550.9M6.53%
Avalanche578.5M4.07%
Base8121.5M6.15%
BSC338.2M8.17%
Ethereum172.5B5.47%
Hyperliquid000%
Mantle000%
Optimism69.6M3.81%
Polygon23M3.79%
Solana46.5M5.68%
TON13.9M4.3%
zkSync Era000%