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 3.59% on Apr 30 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
02/05/2026 08:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Canto-lendingCanto1.35MUSDC0%12.89%12.99%
Bracket-vaultsEthereum2.71MUSDC0%11.57%11.04%
AutofinanceArbitrum3.64MUSDC1.21%11.36%10.26%
GoldfinchEthereum37.25MUSDC0%10.06%10.06%
AvantisBase48.53MUSDC0%10.07%9.03%
Blend-pools-v2Stellar10.13MUSDC0%9.25%9.01%
YieldseekerBase1.26MUSDC0%9.5%8.16%
Harvest-financeBase1.97MUSDC0%6.7%7.25%
AbyssSui1.34MUSDC0%8.92%6.79%
Zerobase-cedefiBSC1.90MUSDC2%8.76%6.76%
LoopscaleSolana2.17MUSDC1.03%8.53%6.68%
SymbiosisEthereum1.23MUSDC0%7.42%6.48%
AutofinanceEthereum9.36MUSDC0.59%6.27%6.1%
DeltaprimeAvalanche1.06MUSDC0%5.35%5.98%
Extra-finance-leverage-farmingBase3.96MUSDC0%5.52%5.78%
Fusion-by-iporEthereum1.29MUSDC0%4.4%5.74%
Gains-networkArbitrum5.40MUSDC0%6.7%5.41%
Hyperlend-pooledHyperliquid L19.88MUSDC0%4.53%5.39%
LoopscaleSolana1.04MUSDC0%5.31%5.39%
Benqi-lendingAvalanche2.74MUSDC0%7.17%5.36%
AutofinanceBase5.67MUSDC3.83%7.98%5.11%
Project-0Solana2.46MUSDC0%7.6%5.04%
Scallop-lendSui1.39MUSDC0%5.29%4.77%
AutofinanceEthereum4.39MUSDC0%6.94%4.76%
Aave-v3Avalanche6.35MUSDC0%4.69%4.73%
DolomiteArbitrum1.31MUSDC0%5.64%4.66%
Folks-finance-lendingAlgorand1.23MUSDC0%3.89%4.63%
Harvest-financeEthereum1.08MUSDC0%3.6%4.6%
Fluid-lendingArbitrum37.13MUSDC0.85%6.12%4.52%
Yearn-financeEthereum8.11MUSDC0%4.29%4.51%
Yearn-financeEthereum3.15MUSDC0%5.52%4.32%
DolomiteEthereum13.04MUSDC4.44%6.48%4.27%
Fluid-lendingBase13.16MUSDC1.64%6.39%4.21%
Aave-v3Arbitrum14.37MUSDC0%3.7%4.18%
ExactlyOP Mainnet1.60MUSDC0%3.94%4.07%
Navi-lendingSui2.94MUSDC0.64%4.52%4.05%
SparklendEthereum3.01MUSDC0%4.08%4.04%
ExactlyOP Mainnet1.60MUSDC0%3.8%4.03%
ExactlyOP Mainnet1.60MUSDC0%3.46%4%
ExactlyOP Mainnet1.60MUSDC0%3.7%3.91%
Yo-protocolEthereum3.69MUSDC7.8%13.86%3.9%
Yo-protocolBase18.65MUSDC7.8%13.88%3.9%
NeverlandMonad14.68MUSDC4.3%8.12%3.86%
ExactlyOP Mainnet1.60MUSDC0%3.8%3.83%
ExactlyOP Mainnet1.60MUSDC0%3.93%3.79%
ExactlyOP Mainnet1.60MUSDC0%3.65%3.79%
ExactlyOP Mainnet1.60MUSDC0%3.78%3.78%
Lazy-summer-protocolBase1.56MUSDC0.9%3.93%3.77%
TermmaxEthereum1MUSDC0%0.87%3.76%
TermmaxEthereum1MUSDC0%0.87%3.76%
ExactlyOP Mainnet1.60MUSDC0%3.36%3.75%
Venus-fluxBSC6.51MUSDC0%5.52%3.73%
Euler-v2Ethereum38.88MUSDC0%3.91%3.71%
Flux-financeEthereum2.69MUSDC0%3.75%3.68%
Euler-v2Ethereum30.09MUSDC0%3.89%3.67%
Spark-savingsAvalanche36.58MUSDC0%3.72%3.65%
Spark-savingsEthereum557.24MUSDC0%3.72%3.65%
Kamino-lendSolana8.26MUSDC0%3.79%3.63%
Yearn-financeEthereum27.11MUSDC0%3.49%3.62%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum669.8M6%
Avalanche548.9M5.14%
Base894.8M5.9%
BSC576.8M6.35%
Ethereum241.9B5%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon000%
Solana413.9M5.19%
TON13.8M6.79%
zkSync Era000%