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 Mar 12 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
16/03/2026 06:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bracket-vaultsEthereum3.29MUSDC0%13.44%12.72%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
AbyssSui1.90MUSDC0%8.89%9.48%
AvantisBase82.32MUSDC0%10.54%9.37%
Blend-pools-v2Stellar10.62MUSDC0%9.98%8.87%
Euler-v2Avalanche4.32MUSDC0%5.95%8.59%
Gains-networkBase1.87MUSDC0%5.66%7.38%
Zerobase-cedefiBSC1.40MUSDC2%9%7%
LoopscaleSolana1.66MUSDC1.25%7.46%6.61%
Gains-networkArbitrum13.51MUSDC0%8.31%6.12%
Yearn-financeEthereum1.66MUSDC0%4.84%5.85%
Harvest-financeBase3.03MUSDC0%5.74%5.82%
Yearn-financeEthereum3.33MUSDC0%6.31%5.61%
Extra-finance-leverage-farmingBase4.36MUSDC0%5.16%5.41%
AutofinanceArbitrum1.35MUSDC1.36%6.33%5.15%
AutofinanceEthereum21.37MUSDC0.31%6.28%4.82%
AutofinanceEthereum8.72MUSDC0%0.75%4.79%
Woofi-earnArbitrum1.19MUSDC0%6.74%4.74%
DolomiteEthereum9.53MUSDC0%4.27%4.51%
Yearn-financeEthereum1.31MUSDC0%4.9%4.4%
LoopscaleSolana6.31MUSDC0%3.7%4.3%
ExactlyOptimism1.68MUSDC0%4.17%4.2%
Yo-protocolEthereum10.79MUSDC12%16.8%4.18%
Yo-protocolBase32.32MUSDC12%19.18%4.18%
ExactlyOptimism1.68MUSDC0%4.14%4.18%
Flux-financeEthereum1.52MUSDC0%4.2%4.15%
SparklendEthereum1.81MUSDC0%3.26%4.14%
ExactlyOptimism1.68MUSDC0%4.07%4.11%
AutofinanceBase15.99MUSDC1.06%5.99%4.09%
Scallop-lendSui2.33MUSDC0%4.7%4.03%
ExactlyOptimism1.68MUSDC0%3.97%4.01%
ExactlyOptimism1.68MUSDC0%3.81%3.93%
ExactlyOptimism1.68MUSDC0%3.98%3.91%
Hyperlend-pooledHyperliquid L129.56MUSDC0%4.63%3.88%
Euler-v2Ethereum35.96MUSDC0%4.39%3.85%
Spark-savingsAvalanche134.89MUSDC0%3.93%3.75%
Spark-savingsEthereum448.56MUSDC0%3.93%3.75%
Harvest-financeEthereum1.10MUSDC0%3.61%3.73%
Harvest-financeEthereum1.10MUSDC0%3.61%3.73%
ExactlyOptimism1.68MUSDC0%2.26%3.67%
ExactlyOptimism1.68MUSDC0%1.21%3.63%
Navi-lendingSui13.10MUSDC0.6%4.9%3.63%
Benqi-lendingAvalanche6.75MUSDC0%3.35%3.63%
NeverlandMonad14.98MUSDC4.7%11.4%3.62%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum424.2M5.75%
Avalanche4147.2M5.19%
Base6139.9M6.04%
BSC340.2M8.92%
Ethereum202.6B5.29%
Hyperliquid000%
Mantle000%
Optimism813.5M3.95%
Polygon11.8M3.68%
Solana28M5.46%
TON000%
zkSync Era000%