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 01 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
04/04/2026 07:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Yearn-financeEthereum4.73MUSDC0%4730.79%212.73%
Bracket-vaultsEthereum2.73MUSDC0%12.57%12.01%
GoldfinchEthereum37.26MUSDC0%10.01%10.06%
SymbiosisEthereum1.15MUSDC0%4.76%9.78%
Blend-pools-v2Stellar9.76MUSDC0%9.32%9.27%
Spectra-metavaultsBase5MUSDC0.21%9.14%9.01%
AvantisBase66.52MUSDC0%9.53%8.68%
AbyssSui1.91MUSDC0%8.66%8.55%
Harvest-financeBase2.03MUSDC0%5.49%7.88%
Gains-networkArbitrum8.84MUSDC0%7.05%7.75%
LoopscaleSolana1MUSDC1.27%8.01%7.16%
LoopscaleSolana1MUSDC1.27%8.01%7.16%
Zerobase-cedefiBSC1.32MUSDC2%8.96%6.76%
Project-0Solana1.53MUSDC0%2.54%6.3%
Scallop-lendSui1.07MUSDC0%4.42%5.95%
DolomiteEthereum9MUSDC0%5.27%5.14%
DeltaprimeAvalanche1.16MUSDC0%5.58%5.1%
Yo-protocolEthereum11.14MUSDC0%15.69%5.1%
Yo-protocolBase28.37MUSDC0%16.15%5.1%
Extra-finance-leverage-farmingBase4.21MUSDC0%5.16%4.89%
Woofi-earnArbitrum1.14MUSDC0%5.27%4.74%
AutofinanceEthereum8.74MUSDC0%3.15%4.7%
Fluid-lendingArbitrum30.98MUSDC0.94%5.61%4.51%
AutofinanceBase8.57MUSDC2.02%5.88%4.42%
ExactlyOptimism1.73MUSDC0%4.22%4.28%
ExactlyOptimism1.73MUSDC0%4.12%4.17%
Yearn-financeEthereum4.03MUSDC0%4.47%4.14%
SparklendEthereum1.88MUSDC0%4.11%4.14%
ExactlyOptimism1.73MUSDC0%4.02%4.06%
Navi-lendingSui10.61MUSDC0.49%4.69%4.04%
ExactlyOptimism1.73MUSDC0%3.7%4%
Hyperlend-pooledHyperliquid L120.75MUSDC0%3.86%4%
Lazy-summer-protocolEthereum4.54MUSDC0.54%3.93%3.95%
ExactlyOptimism1.73MUSDC0%4.15%3.95%
Euler-v2Avalanche2.54MUSDC0%6.49%3.9%
Yearn-financeEthereum1.30MUSDC0%5.01%3.86%
ExactlyOptimism1.73MUSDC0%3.61%3.8%
Benqi-lendingAvalanche6.32MUSDC0%3.87%3.8%
Euler-v2Ethereum28.29MUSDC0%3.39%3.8%
Euler-v2Arbitrum1.29MUSDC0%3.05%3.77%
Flux-financeEthereum2.46MUSDC0%3.99%3.76%
Spark-savingsAvalanche70.97MUSDC0%3.79%3.75%
Spark-savingsEthereum387.23MUSDC0%3.79%3.75%
WasabiBase3.53MUSDC0%4%3.73%
ExactlyOptimism1.73MUSDC0%3.3%3.69%
ExactlyOptimism1.73MUSDC0%3.66%3.69%
NeverlandMonad16.64MUSDC4.47%8.65%3.68%
Fluid-lendingBase9.99MUSDC2.01%5.84%3.65%
AutofinanceEthereum10.04MUSDC0.5%5.54%3.65%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum550.2M5.56%
Avalanche583.1M4.12%
Base8128.2M5.92%
BSC339.4M8.51%
Ethereum182.5B16.99%
Hyperliquid000%
Mantle000%
Optimism813.8M3.96%
Polygon11.1M3.95%
Solana45M6.07%
TON000%
zkSync Era000%