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 3.85% on Oct 14 2025). 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
16/10/2025 23:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum15.28MUSDC0%57.45%48.98%
AvantisBase27.62MUSDC0%19.78%35.71%
Harvest-financeArbitrum1.82MUSDC0%24.12%34.44%
Peapods-financeEthereum1.51MUSDC0%24.51%33.55%
AvantisBase92.69MUSDC0%23.37%32.67%
Peapods-financeEthereum6.48MUSDC0%43.44%31.72%
Ipor-fusionBase1.12MUSDC0%23.35%24.01%
LiqwidCardano1.53MUSDC1.59%17.96%21.94%
Stream-financeEthereum386.79MUSDC0%15.11%18.47%
DeltaprimeArbitrum1.49MUSDC0%16.36%18.23%
Ipor-fusionEthereum1.73MUSDC0%24.35%16.49%
Harmonix-financeArbitrum4.11MUSDC0%12.56%15.51%
Blend-pools-v2Stellar2.32MUSDC0%13.06%14.52%
Gains-networkBase2.38MUSDC0%14.68%14.1%
FranciumSolana2.44MUSDC0%13.15%13.15%
SuperfundBase1.86MUSDC1%13.55%12.99%
Harvest-financeBase2.32MUSDC0%12.64%12.84%
Gains-networkArbitrum9.81MUSDC0%6.77%12.79%
Euler-v2Avalanche4.01MUSDC1.64%10.41%11.8%
Yo-protocolBase25.52MUSDC0%11.1%11.61%
AutofinanceArbitrum10.02MUSDC0.69%12.3%11.03%
DeltaprimeAvalanche3.80MUSDC0%17.1%10.7%
Ipor-fusionArbitrum1.27MUSDC0%10.33%10.56%
AutofinanceBase30.18MUSDC2.38%13.3%9.96%
Harvest-financeArbitrum1.27MUSDC0%12.46%9.65%
GoldfinchEthereum42.57MUSDC0%9.53%9.56%
Silo-v2Arbitrum1.15MUSDC0%9.88%9.45%
WasabiBase6.64MUSDC0%12.63%8.51%
AutofinanceEthereum12.54MUSDC1.05%11.07%8.5%
TermmaxEthereum4.32MUSDC0%7.08%8.4%
Harvest-financeBase2.63MUSDC0%8.88%8.31%
LoopscaleSolana3.65MUSDC1.59%10.57%8.23%
Navi-lendingSui10.84MUSDC0%11.58%8%
Harvest-financeBase2.06MUSDC0%8.17%7.82%
Ipor-fusionBase2.63MUSDC0%7.79%7.62%
Silo-v2Avalanche1.61MUSDC0%9.79%7.3%
Extra-finance-leverage-farmingBase7.08MUSDC0.34%9.88%7.14%
Yearn-financeEthereum8.33MUSDC0%6.48%7.14%
Euler-v2Linea5.38MUSDC0%5.8%7.1%
Harvest-financeEthereum1.12MUSDC0%7.45%7.09%
Moonwell-lendingBase5.76MUSDC1.43%9.36%6.99%
Benqi-lendingAvalanche12.36MUSDC0%8.6%6.81%
AutofinanceEthereum8.72MUSDC0%10.44%6.53%
Moar-marketAptos1.06MUSDC10.92%19.7%6.5%
Yearn-financeEthereum1.02MUSDC0%6.94%6.45%
Yearn-financeEthereum1.02MUSDC0%6.94%6.45%
Euler-v2Ethereum17.53MUSDC0%6.83%6.31%
Euler-v2Arbitrum10.36MUSDC0%5.25%6.27%
Euler-v2Ethereum1.36MUSDC0%5.2%6.18%
DolomiteArbitrum4MUSDC0%8.57%5.97%
Yearn-financeEthereum16.41MUSDC0%6.83%5.97%
GearboxEtherlink1.70MUSDC19.11%22.93%5.84%
Scallop-lendSui2.30MUSDC0%9.25%5.72%
ExactlyOptimism1.64MUSDC0%5.76%5.59%
Yearn-financeEthereum24.72MUSDC0%5.99%5.56%
Echelon-marketMove1.11MUSDC3.22%9.41%5.47%
TermmaxEthereum2.72MUSDC0%6.04%5.34%
ExactlyOptimism1.64MUSDC0%5.87%5.34%
ExactlyOptimism1.64MUSDC0%5.35%5.25%
ExactlyOptimism1.64MUSDC0%5.22%5.15%
ExactlyOptimism1.64MUSDC0%5.09%5.02%
Aave-v3Base86.66MUSDC0%5.69%5.02%
ExactlyOptimism1.64MUSDC0%5.06%5.02%
Echelon-marketAptos19.51MUSDC2.03%10.07%5%
ExactlyOptimism1.64MUSDC0%5.12%4.94%
Fluid-lendingBase27.94MUSDC3.14%7.42%4.92%
VesperEthereum2.12MUSDC0%6.34%4.9%
SaveSolana11.77MUSDC0%5.63%4.84%
ExactlyOptimism1.64MUSDC0%5.11%4.73%
Kamino-lendSolana50.92MUSDC0%4.85%4.65%
Folks-finance-lendingAlgorand2.10MUSDC0%5.13%4.65%
Aave-v3Optimism4MUSDC0%5.02%4.64%
Aave-v3Linea17.28MUSDC0%4.85%4.48%
Fluid-lendingEthereum276.95MUSDC2.13%6.82%4.39%
Takara-lendSei3.49MUSDC6.69%15.05%4.36%
Aave-v3Avalanche39.10MUSDC0%5.65%4.29%
ExactlyOptimism1.64MUSDC0%4.27%4.14%
ExactlyOptimism1.64MUSDC0%3.48%4.13%
Euler-v2Arbitrum1.36MUSDC0%9.97%4.13%
WasabiEthereum1.79MUSDC0%4.05%4.07%
GearboxEthereum2.40MUSDC0%4.11%4.06%
Aave-v3Polygon12.90MUSDC0%4.55%4.05%
Aave-v3Ethereum1.09MUSDC0%5.45%4.03%
Fluid-lendingArbitrum61.34MUSDC4.56%8.96%3.97%
Polynomial-liquidityPolynomial1.57MUSDC0%5.12%3.85%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum12108M11.83%
Avalanche777.4M7.5%
Base16325.1M13.14%
BSC136.4M7.44%
Ethereum342B9.46%
Mantle000%
Optimism1222.7M4.85%
Polygon315.4M4.48%
Solana673.1M6.78%
TON16.3M56.83%
zkSync Era000%