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 3.54% on Jan 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
07/01/2026 18:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum4.81MUSDC0%41.09%36.36%
Euler-v2Avalanche1.42MUSDC0%7.57%28.64%
Hatom-lendingMultiversX1.27MUSDC0.33%17.5%18.74%
Bracket-vaultsEthereum7.97MUSDC0%16.82%15.91%
Blend-pools-v2Stellar1.22MUSDC0.84%15.49%14.16%
FranciumSolana2.44MUSDC0%13.15%13.15%
Blend-pools-v2Stellar5.29MUSDC0%13.04%12.12%
Gains-networkBase1.14MUSDC0%6.18%11.77%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
LiqwidCardano2.50MUSDC1.58%10.83%9.99%
KiloexBase1.07MUSDC0%21.3%9.63%
AvantisBase98.71MUSDC0%9.93%9.49%
LoopscaleSolana1.20MUSDC1.12%10.12%8.77%
WasabiSolana1.89MUSDC0%9.97%8.69%
DeltaprimeAvalanche1.81MUSDC0%7.48%7.26%
Woofi-earnArbitrum1.17MUSDC0%7.69%7.2%
Ipor-fusionBase2.09MUSDC0%7.59%7.13%
Yo-protocolBase29.67MUSDC0%7.12%6.69%
AutofinanceArbitrum3.12MUSDC1.69%9.5%6.64%
Extra-finance-leverage-farmingBase5.59MUSDC0.21%7.15%6.62%
DeltaprimeArbitrum1.27MUSDC0%8.7%6.49%
AutofinanceEthereum7.51MUSDC1.22%7.57%6.35%
LoopscaleSolana11.64MUSDC0%7.42%6.32%
WasabiBase9.92MUSDC0%9.36%6.1%
Harvest-financeBase3.38MUSDC0%7.23%6.06%
AutofinanceBase24.68MUSDC2.34%9.01%5.91%
Hyperlend-pooledHyperliquid8.18MUSDC0%5.35%5.74%
Scallop-lendSui1.91MUSDC0%5.74%5.71%
SaveSolana7.46MUSDC0%5.95%5.53%
Yearn-financeEthereum1.27MUSDC0%3.94%5.35%
Harvest-financeEthereum1.08MUSDC0%5.06%5.22%
Echelon-marketAptos13.27MUSDC0%4.8%5.17%
Gains-networkArbitrum14.98MUSDC0%11.92%5.1%
Benqi-lendingAvalanche4.83MUSDC0%4.41%5.08%
Harvest-financeBase1.40MUSDC0%5.16%5.08%
Harvest-financeBase1.74MUSDC0%5.45%5.06%
Ipor-fusionBase1.74MUSDC0%5.21%5.05%
Yearn-financeBase2.24MUSDC0%5.38%5.01%
TermmaxEthereum1.06MUSDC0%4.82%4.99%
TermmaxEthereum1.06MUSDC0%4.82%4.99%
Yearn-financeEthereum34.02MUSDC0%4.48%4.76%
Yearn-financeEthereum1.07MUSDC0%4.57%4.75%
Moonwell-lendingBase6.40MUSDC0.9%5.51%4.72%
Euler-v2Ethereum21.35MUSDC0%5.13%4.72%
Harmonix-financeArbitrum1.82MUSDC0%6.01%4.69%
Navi-lendingSui15.69MUSDC1.33%5.12%4.69%
Euler-v2Ethereum32.43MUSDC0%4.39%4.43%
ExactlyOptimism1.43MUSDC0%4.45%4.42%
ExactlyOptimism1.43MUSDC0%4.47%4.38%
Euler-v2Arbitrum2.55MUSDC0%6.2%4.37%
ExactlyOptimism1.43MUSDC0%4.61%4.33%
Euler-v2Ethereum1.88MUSDC0%3.44%4.28%
DolomiteArbitrum4.29MUSDC0%4.62%4.24%
ExactlyOptimism1.43MUSDC0%4.17%4.18%
ExactlyOptimism1.43MUSDC0%4.16%4.17%
ExactlyOptimism1.43MUSDC0%4.26%4.16%
Flux-financeEthereum1.57MUSDC0%4.12%4.13%
VesperEthereum2.48MUSDC0%3.36%4.09%
Folks-finance-lendingAlgorand2.09MUSDC0%4.33%4.07%
Spark-savingsAvalanche200.56MUSDC0%4%4%
Spark-savingsEthereum220.36MUSDC0%4%4%
ExactlyOptimism1.43MUSDC0%3.93%3.96%
SparklendEthereum7.18MUSDC0%3.92%3.95%
Yearn-financeEthereum7.39MUSDC0%5.05%3.94%
ExactlyOptimism1.43MUSDC0%3.83%3.88%
ExactlyOptimism1.43MUSDC0%3.76%3.8%
ExactlyOptimism1.43MUSDC0%3.32%3.69%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum729.2M5.53%
Avalanche5211.6M9.78%
Base14189.8M6.74%
BSC000%
Ethereum252B6.6%
Hyperliquid18.2M5.74%
Mantle000%
Optimism1014.3M4.1%
Polygon000%
Solana626.2M7.98%
TON15.9M4.46%
zkSync Era000%