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 3.61% on Feb 11 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
13/02/2026 16:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bracket-vaultsEthereum3.30MUSDC0%14.98%14.18%
AvantisBase88.33MUSDC0%11.31%12.81%
Blend-pools-v2Stellar1.65MUSDC0.68%13.79%11.35%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
Blend-pools-v2Stellar8.64MUSDC0%11.42%9.54%
Harvest-financeBase3.01MUSDC0%6.15%7.96%
AutofinanceEthereum18.63MUSDC0.32%8.84%7.77%
Woofi-earnArbitrum1.20MUSDC0%7.09%7.04%
DeltaprimeAvalanche1.32MUSDC0%6.65%6.33%
Euler-v2Avalanche1.26MUSDC0%8.27%6%
WasabiBase7.84MUSDC0%6.9%5.88%
LoopscaleSolana3.87MUSDC0.66%7.82%5.75%
Harmonix-financeArbitrum1.18MUSDC0%5.31%5.71%
Yo-protocolBase29.32MUSDC14%14.14%5.61%
Yearn-financeEthereum1.36MUSDC0%5.44%5.59%
WasabiSolana1.72MUSDC0%8.12%5.5%
Echelon-marketAptos6.66MUSDC0%4.84%5.47%
Hyperlend-pooledHyperliquid L114.58MUSDC0%5.91%5.27%
Scallop-lendSui1.79MUSDC0%5.55%5.21%
Euler-v2Ethereum40.56MUSDC0%4.85%5.18%
SymbiosisEthereum1.22MUSDC0%6.09%5.13%
DolomiteEthereum8.58MUSDC0%4.55%5.04%
AutofinanceBase17.99MUSDC1.47%7.41%5%
Ipor-fusionBase1.06MUSDC0%4.5%5%
Ipor-fusionBase1.06MUSDC0%4.5%5%
LoopscaleSolana1.39MUSDC1.87%7.95%4.99%
Silo-v2Avalanche1.56MUSDC0%8.08%4.81%
Gains-networkArbitrum12.93MUSDC0%10.65%4.76%
VesperEthereum2.56MUSDC0%4.55%4.54%
LiqwidCardano2.68MUSDC1.58%11.91%4.39%
ExactlyOptimism1.74MUSDC0%4.39%4.37%
Navi-lendingSui8.92MUSDC0.79%5.29%4.32%
ExactlyOptimism1.74MUSDC0%4.21%4.24%
ExactlyOptimism1.74MUSDC0%4.21%4.23%
Flux-financeEthereum1.44MUSDC0%4.16%4.19%
ExactlyOptimism1.74MUSDC0%3.66%4.14%
AutofinanceArbitrum1.34MUSDC1.66%6.47%4.12%
Euler-v2Arbitrum1.14MUSDC0%6.54%4.11%
ExactlyOptimism1.74MUSDC0%4.04%4.1%
Extra-finance-leverage-farmingBase4.44MUSDC0%5.66%4.05%
ExactlyOptimism1.74MUSDC0%3.97%4.03%
Spark-savingsAvalanche132.92MUSDC0%4%4%
Spark-savingsEthereum211.09MUSDC0%4%4%
Yearn-financeEthereum33.23MUSDC0%4.65%3.95%
Folks-finance-lendingAlgorand1.85MUSDC0%4.25%3.95%
Gains-networkBase2.12MUSDC0%10.25%3.95%
Euler-v2Ethereum34.84MUSDC0%4.69%3.94%
ExactlyOptimism1.74MUSDC0%3.83%3.93%
ExactlyOptimism1.74MUSDC0%3.87%3.9%
ExactlyOptimism1.74MUSDC0%3.01%3.81%
SparklendEthereum8.15MUSDC0%3.63%3.78%
Aave-v3Base55.28MUSDC0%3.78%3.75%
Yearn-financeEthereum1.11MUSDC0%4.33%3.63%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum517.8M5.15%
Avalanche4137.1M5.28%
Base10210.4M5.9%
BSC000%
Ethereum211.7B5.48%
Hyperliquid000%
Mantle000%
Optimism915.7M4.08%
Polygon12.3M3.88%
Solana37M5.42%
TON000%
zkSync Era000%