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 Feb 26 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
02/03/2026 21:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Usd-aiArbitrum2.07MUSDC0%14%14%
Bracket-vaultsEthereum3.29MUSDC0%14.09%13.34%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
Blend-pools-v2Stellar8.94MUSDC0%10.52%9.86%
AvantisBase88.15MUSDC0%11.15%9.74%
Gains-networkArbitrum12.27MUSDC0%10.39%7.7%
Woofi-earnArbitrum1.20MUSDC0%7.08%7.04%
Fusion-by-iporBase1.70MUSDC0%5.54%6.37%
LoopscaleSolana1.46MUSDC1.19%6.99%6.23%
WasabiSolana1.37MUSDC0%7.06%6.14%
AbyssSui1.86MUSDC0%8.82%5.96%
AutofinanceEthereum19.98MUSDC0.41%7.3%5.69%
Euler-v2Avalanche5.08MUSDC0%6.13%5.64%
Euler-v2Avalanche1.24MUSDC0%6.9%5.64%
Yo-protocolBase29.36MUSDC12%21.05%5.55%
DeltaprimeAvalanche1.14MUSDC0%6.13%5.38%
Extra-finance-leverage-farmingBase4.01MUSDC0%4.8%5.35%
WasabiBase6.54MUSDC0%5.78%5.21%
Gains-networkBase1.95MUSDC0%7.08%5.18%
Harvest-financeBase3.95MUSDC0%6%5.17%
LiqwidCardano2.32MUSDC1.58%8.19%5.16%
Scallop-lendSui1.88MUSDC0%5.25%4.77%
AutofinanceArbitrum1.35MUSDC1.86%6.24%4.56%
AutofinanceBase16.07MUSDC2.09%6.53%4.56%
Hyperlend-pooledHyperliquid L121.34MUSDC0%5.68%4.52%
AutofinanceEthereum5.02MUSDC0%4.65%4.41%
Euler-v2Ethereum40.05MUSDC0%4.83%4.36%
ExactlyOptimism1.68MUSDC0%4.24%4.25%
Flux-financeEthereum1.42MUSDC0%4.19%4.21%
ExactlyOptimism1.68MUSDC0%4.03%4.18%
ExactlyOptimism1.68MUSDC0%4.1%4.14%
NeverlandMonad7.58MUSDC7.94%12.5%4.11%
ExactlyOptimism1.68MUSDC0%4.03%4.07%
DolomiteEthereum15.61MUSDC0%4.62%4.05%
Spark-savingsAvalanche147.21MUSDC0%4%4%
VesperEthereum2.58MUSDC0%4.05%4%
Spark-savingsEthereum305.44MUSDC0%4%4%
ExactlyOptimism1.68MUSDC0%3.92%3.98%
Harvest-financeEthereum1.08MUSDC0%3.66%3.91%
Harvest-financeEthereum1.08MUSDC0%3.66%3.91%
ExactlyOptimism1.68MUSDC0%4.12%3.91%
ExactlyOptimism1.68MUSDC0%3.79%3.85%
SymbiosisEthereum1.45MUSDC0%5.35%3.85%
Folks-finance-lendingAlgorand1.92MUSDC0%4.07%3.83%
Navi-lendingSui11.35MUSDC0.57%4.66%3.82%
LoopscaleSolana10.62MUSDC0%4.01%3.79%
Echelon-marketAptos9.97MUSDC0%4.79%3.75%
Euler-v2Ethereum28.35MUSDC0%4.12%3.73%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum416.9M8.33%
Avalanche6159.2M9.37%
Base8151.7M5.89%
BSC000%
Ethereum181.9B5.22%
Hyperliquid000%
Mantle000%
Optimism711.8M4.05%
Polygon12.5M3.71%
Solana313.5M5.39%
TON000%
zkSync Era000%