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 3.70% on Jul 29 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
31/07/2026 07:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableMonad7.58MUSDC1.03%32.89%33.37%
AccountableMonad99.88MUSDC0.29%15.33%17.6%
Ember-protocolSui1.21MUSDC0%9.3%14.03%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum7.66MUSDC0%12.88%12.9%
Midas-rwaEthereum1.99MUSDC0%10.14%12.07%
Aave-v3Ethereum9.36MUSDC0%3.63%12.01%
Kamino-lendSolana3.51MUSDC0%4.3%11.92%
AccountableEthereum3.61MUSDC11.26%18.44%11.89%
AccountableEthereum2.23MUSDC0%11.01%11.59%
Harvest-financeBase1.87MUSDC0%12.67%11.24%
Hyperlend-pooledHyperliquid L19.07MUSDC0%7.32%10.79%
Pareto-creditEthereum15.29MUSDC0%10.59%10.58%
AvantisBase20.72MUSDC0%9.08%10.55%
Midas-rwaEthereum8.01MUSDC0%9.24%10.3%
GoldfinchEthereum35.95MUSDC0%10.11%10.21%
Midas-rwaEthereum70.91MUSDC0%10.95%10.13%
AccountableMonad1.03MUSDC0%10.43%10%
AccountableMonad1.03MUSDC0%10.43%10%
Ember-protocolEthereum5.60MUSDC0%5.01%9.97%
YieldseekerBase2.04MUSDC0%8.57%9.88%
Ember-protocolEthereum3.25MUSDC0%9.3%9.54%
Nawa-protocolZIGChain3.82MUSDC0%3.96%9.47%
Midas-rwaEthereum37.30MUSDC0%10.46%9.38%
Pareto-creditEthereum2.14MUSDC0%9.38%9.38%
Ember-protocolSui5.72MUSDC0%8.98%9.31%
Bracket-vaultsEthereum2.59MUSDC0%9.41%9.3%
Ember-protocolSui1.08MUSDC0%9.79%8.89%
Midas-rwaEthereum7.28MUSDC0%5.03%8.74%
Midas-rwaEtherlink1.12MUSDC0%5.03%8.74%
Ember-protocolSui1.31MUSDC0%8.08%8.49%
Pareto-creditEthereum178.97MUSDC0%8.31%8.31%
Ember-protocolSui8.04MUSDC4%12%8%
Midas-rwaEthereum6.66MUSDC0%7.82%7.97%
Midas-rwaEthereum2.50MUSDC0%7.81%7.97%
AccountableMonad10.07MUSDC0.5%9.79%7.67%
Midas-rwaEtherlink4.78MUSDC0%7.88%7.58%
AccountableMonad1.97MUSDC0.45%7.47%7.52%
Yearn-financeEthereum6.18MUSDC0%6.87%7.31%
Pareto-creditEthereum21.86MUSDC0%7.13%7.13%
Extra-finance-leverage-farmingBase3.31MUSDC0%6.53%7.03%
Harmonix-financeHyperliquid L118.74MUSDC0%8.25%7.02%
Blend-pools-v2Stellar12.95MUSDC0%7.45%7.01%
Zerobase-cedefiBSC2.03MUSDC2%8.76%6.76%
Ember-protocolEthereum16.94MUSDC0%6.93%6.75%
Yearn-financeEthereum9.27MUSDC0%5.96%6.68%
Ember-protocolSui1.19MUSDC4.61%11.85%6.51%
Yearn-financeEthereum1.18MUSDC0%5.33%6.44%
Kamino-lendSolana4.78MUSDC0%6.77%6.26%
Harvest-financeEthereum1.15MUSDC0%6.32%6.16%
AutofinanceBase5.28MUSDC2.43%7.62%5.95%
Euler-v2Ethereum6.59MUSDC0%3.9%5.64%
Fusion-by-iporEthereum2.30MUSDC0%5.91%5.45%
AutofinanceEthereum8.52MUSDC0.44%6.68%5.4%
Fluid-lendingBase8.83MUSDC0%5.44%5.27%
Navi-lendingSui6.10MUSDC0.42%5.64%5.21%
Gains-networkArbitrum6.31MUSDC0%6.08%5.1%
Fluid-lendingArbitrum36.27MUSDC0%5.45%5.08%
LoopscaleSolana1.46MUSDC0%5.72%4.97%
Yearn-financeBase1.75MUSDC0%4.98%4.91%
Fluid-lendingEthereum9.04MUSDC0%5.42%4.88%
Fluid-lendingEthereum150.19MUSDC0%5.46%4.88%
Centrifuge-protocolAvalanche260.63MUSDC0%4.14%4.73%
Centrifuge-protocolBase50.26MUSDC0%4.14%4.73%
Centrifuge-protocolEthereum5.74MUSDC0%4.14%4.73%
Centrifuge-protocolBase1.54MUSDC0%4.15%4.73%
SymbiosisEthereum1.36MUSDC0%4.75%4.57%
TermmaxBase1.20MUSDC0%3.93%4.52%
Alchemix-v3Ethereum7.74MUSDC0%4.45%4.49%
Jupiter-lendSolana426MUSDC0.71%4.72%4.44%
Yo-protocolBase9.85MUSDC0%4.16%4.4%
Yo-protocolEthereum2.28MUSDC0%4.16%4.4%
Midas-rwaEtherlink1.22MUSDC0%2.98%4.35%
Midas-rwaEthereum54.94MUSDC0%2.98%4.35%
ExactlyOP Mainnet1.57MUSDC0%4.28%4.34%
DolomiteArbitrum1.45MUSDC0%4.7%4.28%
ExactlyOP Mainnet1.57MUSDC0%4.22%4.27%
ExactlyOP Mainnet1.57MUSDC0%4.12%4.21%
ExactlyOP Mainnet1.57MUSDC0%4.14%4.18%
Benqi-lendingAvalanche3.97MUSDC0%3.83%4.17%
ExactlyOP Mainnet1.57MUSDC0%3.99%4.13%
Euler-v2Monad1.69MUSDC2.63%8.33%4.08%
ExactlyOP Mainnet1.57MUSDC0%4.02%4.08%
Centrifuge-protocolMonad4.53MUSDC0%3.89%4.06%
Centrifuge-protocolPharos4.38MUSDC0%3.4%4.06%
ExactlyOP Mainnet1.57MUSDC0%4.2%4.05%
Moonwell-lendingBase2.23MUSDC0.31%4.58%4.03%
ExactlyOP Mainnet1.57MUSDC0%3.93%3.97%
Aave-v3Avalanche5.45MUSDC0%3.54%3.83%
TermmaxEthereum4.40MUSDC0%3.63%3.78%
Midas-rwaEthereum4.55MUSDC0%6.44%3.78%
AmpleBase4.32MUSDC0%4.23%3.76%
ExactlyOP Mainnet1.57MUSDC0%2.96%3.75%
Flux-financeEthereum2.59MUSDC0%3.72%3.72%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum451.7M5.37%
Avalanche3270M4.24%
Base13113.2M6.23%
BSC554M6.52%
Ethereum421.8B7.38%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.4M44.78%
Solana4435.8M6.9%
TON13.5M5.69%
zkSync Era000%