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 Feb 05 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
09/02/2026 15:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bracket-vaultsEthereum3.30MUSDC0%15.15%14.42%
FranciumSolana2.44MUSDC0%13.15%13.15%
Blend-pools-v2Stellar1.43MUSDC0.83%14.08%11.95%
AvantisBase88.45MUSDC0%11.37%11.89%
WasabiSolana2.08MUSDC0%9.01%10.45%
Blend-pools-v2Stellar7.31MUSDC0%11.88%10.28%
Gains-networkArbitrum13.16MUSDC0%10.47%10.15%
GoldfinchEthereum37.74MUSDC0%10.01%10.01%
Yearn-financeEthereum1.36MUSDC0%4.99%8.49%
AutofinanceEthereum14.82MUSDC0.42%8.84%8.1%
SymbiosisEthereum1.45MUSDC0%5.72%7.97%
LiqwidCardano2.36MUSDC1.58%12.49%7.87%
Gains-networkBase2.38MUSDC0%10.76%7.5%
Woofi-earnArbitrum1.20MUSDC0%7.1%7.03%
Hyperlend-pooledHyperliquid9.11MUSDC0%5.91%6.54%
DeltaprimeAvalanche1.34MUSDC0%6.7%6.2%
VesperEthereum2.40MUSDC0%4.46%6.02%
Harmonix-financeArbitrum1.25MUSDC0%5.22%5.84%
DolomiteEthereum8.43MUSDC0%4.26%5.44%
LoopscaleSolana4.94MUSDC0.65%8.25%5.43%
AutofinanceBase18.86MUSDC1.72%7.58%5.33%
Yo-protocolBase28.62MUSDC14%11.79%5.28%
Euler-v2Ethereum39.98MUSDC0%4.75%5.23%
WasabiBase8.19MUSDC0%7.22%5.12%
Scallop-lendSui1.95MUSDC0%5.65%5.02%
Harvest-financeBase2.90MUSDC0%6.22%5%
Euler-v2Ethereum24.04MUSDC0%4.74%4.91%
Echelon-marketAptos10MUSDC0%4.77%4.83%
Ipor-fusionBase1.83MUSDC0%7.46%4.79%
AutofinanceEthereum8.70MUSDC0%2.8%4.77%
LoopscaleSolana11.07MUSDC0%5.99%4.77%
ExactlyOptimism1.76MUSDC0%4.39%4.38%
ExactlyOptimism1.76MUSDC0%4.21%4.23%
ExactlyOptimism1.76MUSDC0%4.2%4.23%
Flux-financeEthereum1.44MUSDC0%4.15%4.19%
AutofinanceArbitrum1.32MUSDC2.19%6.64%4.16%
ExactlyOptimism1.76MUSDC0%4.02%4.09%
Navi-lendingSui10.32MUSDC0.77%5.42%4.04%
ExactlyOptimism1.76MUSDC0%3.95%4.02%
Spark-savingsEthereum155.59MUSDC0%4%4%
Spark-savingsAvalanche113.55MUSDC0%4%4%
Yearn-financeEthereum33.20MUSDC0%4.68%3.94%
ExactlyOptimism1.76MUSDC0%3.8%3.91%
ExactlyOptimism1.76MUSDC0%3.59%3.9%
ExactlyOptimism1.76MUSDC0%3.86%3.9%
Folks-finance-lendingAlgorand2.08MUSDC0%4.29%3.73%
AutofinanceEthereum5MUSDC0%6.6%3.62%
Extra-finance-leverage-farmingBase5.01MUSDC0.13%6.08%3.6%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum416.9M6.8%
Avalanche2114.9M5.1%
Base8156.2M6.06%
BSC000%
Ethereum222.2B5.91%
Hyperliquid19.1M6.54%
Mantle000%
Optimism814.1M4.08%
Polygon12.2M3.94%
Solana420.5M8.45%
TON15.7M11.93%
zkSync Era000%