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 3.62% on Mar 27 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
31/03/2026 06:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bracket-vaultsEthereum2.72MUSDC0%12.74%12.13%
GoldfinchEthereum37.74MUSDC0%10.01%10.01%
Spectra-metavaultsBase4.96MUSDC1.82%8.95%9.59%
Blend-pools-v2Stellar8.92MUSDC0%9.29%9.58%
AbyssSui1.90MUSDC0%8.57%8.06%
AvantisBase71.14MUSDC0%9.76%7.63%
LoopscaleSolana1.41MUSDC1.24%7.82%7.01%
AccountableMonad2.02MUSDC2.19%9.51%6.79%
Zerobase-cedefiBSC1.31MUSDC2%8.99%6.76%
DolomiteEthereum8.79MUSDC0%5.12%6.42%
Yearn-financeEthereum1.66MUSDC0%5.42%6.06%
Harvest-financeBase2.02MUSDC0%5.27%5.73%
Yearn-financeEthereum1.97MUSDC0%5%5.51%
Gains-networkArbitrum8.98MUSDC0%7.28%5.47%
LoopscaleSolana1.25MUSDC0%4.42%5.36%
AutofinanceEthereum10.28MUSDC0.5%5.68%4.85%
Yo-protocolEthereum12.06MUSDC12%17.22%4.83%
Yo-protocolBase28.45MUSDC12%17.18%4.83%
Fluid-lendingArbitrum32.41MUSDC0.98%5.46%4.76%
Extra-finance-leverage-farmingBase4.25MUSDC0%5.25%4.75%
Woofi-earnArbitrum1.14MUSDC0%5.58%4.74%
Woofi-earnArbitrum1.14MUSDC0%5.58%4.74%
AutofinanceEthereum8.73MUSDC0%2.47%4.74%
WasabiBase3.77MUSDC0%4.11%4.73%
Scallop-lendSui1.88MUSDC0%4.29%4.54%
AutofinanceBase8.57MUSDC1.99%5.85%4.45%
Benqi-lendingAvalanche4.53MUSDC0%3.75%4.43%
Yearn-financeEthereum4.01MUSDC0%4.53%4.28%
ExactlyOptimism1.68MUSDC0%4.21%4.27%
ExactlyOptimism1.68MUSDC0%4.11%4.15%
SparklendEthereum1.87MUSDC0%3.93%4.14%
Arcadia-v2Base1.35MUSDC0%5.18%4.14%
Euler-v2Avalanche3MUSDC0%6.34%4.05%
ExactlyOptimism1.68MUSDC0%4.17%4.04%
ExactlyOptimism1.68MUSDC0%4.01%4.04%
ExactlyOptimism1.68MUSDC0%3.14%3.99%
Navi-lendingSui11.10MUSDC0.49%4.71%3.96%
Hyperlend-pooledHyperliquid L121.10MUSDC0%3.94%3.92%
Lazy-summer-protocolEthereum4.53MUSDC0.55%3.9%3.81%
Euler-v2Ethereum37.29MUSDC0%3.99%3.79%
ExactlyOptimism1.68MUSDC0%3.08%3.77%
Flux-financeEthereum2.46MUSDC0%4.05%3.76%
Spark-savingsAvalanche96.60MUSDC0%3.81%3.75%
Spark-savingsEthereum397.40MUSDC0%3.81%3.75%
Fluid-lendingBase9.58MUSDC2.28%5.59%3.74%
NeverlandMonad15.55MUSDC5.32%9.17%3.68%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum551.6M5.34%
Avalanche4105.3M4.29%
Base9134.1M5.51%
BSC339.9M8.51%
Ethereum192.6B5.41%
Hyperliquid000%
Mantle000%
Optimism610.1M4.04%
Polygon000%
Solana22.7M6.18%
TON000%
zkSync Era000%