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 Feb 12 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
16/02/2026 17:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bracket-vaultsEthereum3.30MUSDC0%14.83%14.07%
AvantisBase88.80MUSDC0%11.33%12.62%
Blend-pools-v2Stellar1.53MUSDC0.74%13.69%11.76%
Blend-pools-v2Stellar7.20MUSDC0%11.26%10.46%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
Ipor-fusionEthereum6.32MUSDC0%5.37%8.7%
Woofi-earnArbitrum1.20MUSDC0%7.1%7.06%
Harvest-financeBase4.06MUSDC0%6.31%6.69%
AutofinanceEthereum19.03MUSDC0.31%8.59%6.57%
LoopscaleSolana1.49MUSDC0.76%7.62%6.56%
WasabiBase6.43MUSDC0%6.64%6.24%
WasabiSolana1.70MUSDC0%7.73%6.13%
DeltaprimeAvalanche1.36MUSDC0%6.58%6.02%
Euler-v2Avalanche1.19MUSDC0%5.82%5.82%
Harmonix-financeArbitrum1.17MUSDC0%5.39%5.69%
Yearn-financeEthereum1.42MUSDC0%5.61%5.43%
Yo-protocolBase29.49MUSDC14%15.35%5.4%
Euler-v2Avalanche7.45MUSDC0%5.35%5.3%
Euler-v2Avalanche1.83MUSDC0%7.92%5.3%
Hyperlend-pooledHyperliquid L114.46MUSDC0%5.92%5.25%
Euler-v2Ethereum40.27MUSDC0%4.91%5.21%
Scallop-lendSui1.79MUSDC0%5.51%5.21%
Echelon-marketAptos6.84MUSDC0%4.84%5.17%
LoopscaleSolana1.43MUSDC1.84%7.74%5.01%
Ipor-fusionBase1.70MUSDC0%7%5.01%
Gains-networkArbitrum12.70MUSDC0%10.56%4.92%
Silo-v2Avalanche1.56MUSDC0%8.08%4.81%
AutofinanceBase17.99MUSDC1.55%7.23%4.78%
NeverlandMonad4.07MUSDC6.5%13.28%4.64%
Euler-v2Ethereum27.83MUSDC0%4.65%4.57%
Extra-finance-leverage-farmingBase4.17MUSDC0%5.39%4.51%
LiqwidCardano2.63MUSDC1.58%11.31%4.48%
AutofinanceArbitrum1.34MUSDC1.81%6.4%4.45%
VesperEthereum2.56MUSDC0%4.61%4.36%
ExactlyOptimism1.70MUSDC0%4.39%4.34%
AutofinanceEthereum5.01MUSDC0%5.87%4.32%
DolomiteEthereum11.65MUSDC0%4.53%4.3%
Gains-networkBase2.11MUSDC0%9.43%4.29%
Euler-v2Arbitrum1.08MUSDC0%6.33%4.24%
ExactlyOptimism1.70MUSDC0%4.21%4.24%
ExactlyOptimism1.70MUSDC0%4.22%4.23%
Flux-financeEthereum1.44MUSDC0%4.17%4.19%
Navi-lendingSui10.18MUSDC0.63%5.18%4.14%
SparklendEthereum6.17MUSDC0%3.64%4.14%
ExactlyOptimism1.70MUSDC0%3.77%4.14%
ExactlyOptimism1.70MUSDC0%4.05%4.1%
ExactlyOptimism1.70MUSDC0%3.98%4.03%
Spark-savingsEthereum234.96MUSDC0%4%4%
Spark-savingsAvalanche136.72MUSDC0%4%4%
Folks-finance-lendingAlgorand1.87MUSDC0%4.22%3.94%
ExactlyOptimism1.70MUSDC0%3.84%3.93%
ExactlyOptimism1.70MUSDC0%3.88%3.8%
Yearn-financeEthereum1.11MUSDC0%4.28%3.78%
AbyssSui1.07MUSDC0%4.04%3.73%
AbyssSui1.07MUSDC0%4.04%3.73%
Yearn-financeEthereum33.37MUSDC0%4.63%3.72%
ExactlyOptimism1.70MUSDC0%2.99%3.67%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum517.5M5.27%
Avalanche7153.1M8.89%
Base8154.7M6.19%
BSC000%
Ethereum221.8B5.45%
Hyperliquid000%
Mantle000%
Optimism915.3M4.05%
Polygon12.4M3.76%
Solana34.6M5.9%
TON000%
zkSync Era000%