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 Apr 08 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
10/04/2026 06:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Yearn-financeEthereum4.73MUSDC0%4325.39%212.73%
Bracket-vaultsEthereum2.71MUSDC0%12.33%11.83%
Spectra-metavaultsBase5.09MUSDC2.97%99.77%10.45%
GoldfinchEthereum37.25MUSDC0%10.02%10.06%
AvantisBase63.94MUSDC0%9.31%9.95%
Blend-pools-v2Stellar9.76MUSDC0%9.3%9.2%
WasabiSolana1.21MUSDC0%4.94%8.77%
AbyssSui1.81MUSDC0%8.53%8.13%
Gains-networkArbitrum8.93MUSDC0%6.54%7.36%
AccountableMonad2.12MUSDC3.47%9.6%6.79%
Zerobase-cedefiBSC1.36MUSDC2%8.92%6.76%
Extra-finance-leverage-farmingBase3.95MUSDC0%5.09%5.77%
AutofinanceEthereum8.96MUSDC0.63%5.3%5.58%
Harvest-financeBase2.02MUSDC0%5.99%5.57%
Yo-protocolEthereum11.04MUSDC12%13.87%5.04%
Yo-protocolBase27.85MUSDC12%14.17%5.04%
LoopscaleSolana1.65MUSDC0%4.86%5.03%
WasabiBase3.40MUSDC0%4.01%4.98%
DeltaprimeAvalanche1.18MUSDC0%5.48%4.94%
Scallop-lendSui1.65MUSDC0%4.57%4.82%
Woofi-earnArbitrum1.14MUSDC0%4.75%4.74%
AutofinanceEthereum8.75MUSDC0%3.89%4.65%
AutofinanceBase7.19MUSDC2.69%6.05%4.6%
Hyperlend-pooledHyperliquid L113.28MUSDC0%3.91%4.51%
DolomiteEthereum11.44MUSDC0%5.79%4.44%
ExactlyOptimism1.61MUSDC0%4.24%4.15%
Navi-lendingSui10.23MUSDC0.54%4.48%4.1%
SparklendEthereum2.03MUSDC0%4.12%4.07%
Benqi-lendingAvalanche5.61MUSDC0%3.91%4.04%
Yearn-financeEthereum3.74MUSDC0%4.38%4.01%
ExactlyOptimism1.61MUSDC0%3.64%3.97%
Yearn-financeEthereum1.08MUSDC0%4.95%3.95%
Yearn-financeEthereum1.08MUSDC0%4.95%3.95%
LiqwidCardano1.12MUSDC0%3.58%3.84%
Fluid-lendingArbitrum30.57MUSDC1.02%5.8%3.79%
Euler-v2Ethereum28.58MUSDC0%3.45%3.78%
Flux-financeEthereum2.45MUSDC0%3.9%3.76%
Spark-savingsAvalanche69.43MUSDC0%3.75%3.75%
Spark-savingsEthereum393.36MUSDC0%3.75%3.75%
NeverlandMonad16.82MUSDC4.28%8.55%3.75%
Folks-finance-lendingAlgorand1.96MUSDC0%3.42%3.73%
ExactlyOptimism1.61MUSDC0%4.02%3.67%
ExactlyOptimism1.61MUSDC0%3.18%3.63%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum448.6M5.72%
Avalanche478.4M4.17%
Base7113.4M6.62%
BSC337.9M8.17%
Ethereum182.5B16.7%
Hyperliquid000%
Mantle000%
Optimism46.4M3.86%
Polygon11.7M3.89%
Solana22.9M6.9%
TON13.9M3.67%
zkSync Era000%