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 19 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
23/02/2026 17:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AbyssSui1.45MUSDC0%8.26%13.81%
Bracket-vaultsEthereum3.28MUSDC0%14.47%13.72%
Blend-pools-v2Stellar6.79MUSDC0%11.15%11.36%
Gains-networkArbitrum11.52MUSDC0%10.79%10.99%
AvantisBase90.29MUSDC0%11.2%10.37%
GoldfinchEthereum37.76MUSDC0%10.01%10.01%
Woofi-earnArbitrum1.20MUSDC0%7.1%7.06%
DeltaprimeAvalanche1.16MUSDC0%6.42%6.48%
LoopscaleSolana1.24MUSDC1.24%7.24%6.31%
AutofinanceEthereum21.10MUSDC0.3%7.93%6.28%
Harvest-financeBase4.24MUSDC0%6.31%6.2%
Ipor-fusionBase1.70MUSDC0%6.18%5.94%
Euler-v2Avalanche1.19MUSDC0%7.29%5.71%
Euler-v2Avalanche5.48MUSDC0%6.53%5.71%
Yo-protocolBase28.91MUSDC14%18.06%5.61%
Hyperlend-pooledHyperliquid L115.92MUSDC0%6.14%5.43%
Scallop-lendSui1.52MUSDC0%5.3%5.3%
Harmonix-financeArbitrum1.14MUSDC0%5.5%5.27%
WasabiBase6.80MUSDC0%6.15%5.03%
LiqwidCardano2.41MUSDC1.58%9.68%4.98%
Silo-v2Avalanche1.04MUSDC0%8.07%4.98%
Silo-v2Avalanche1.04MUSDC0%8.07%4.98%
Extra-finance-leverage-farmingBase3.99MUSDC0%5%4.87%
Gains-networkBase2.13MUSDC0%8.36%4.77%
NeverlandMonad4.08MUSDC7.3%12.72%4.6%
LoopscaleSolana1.28MUSDC2.29%7.27%4.51%
AutofinanceBase17.86MUSDC1.59%6.83%4.42%
AutofinanceArbitrum1.46MUSDC1.68%6.3%4.42%
Euler-v2Arbitrum1.09MUSDC0%5.78%4.42%
Yearn-financeEthereum4.22MUSDC0%5.99%4.36%
Euler-v2Ethereum40.04MUSDC0%4.91%4.36%
Echelon-marketAptos8.76MUSDC0%4.9%4.32%
DolomiteEthereum12.05MUSDC0%4.61%4.29%
Folks-finance-lendingAlgorand1.56MUSDC0%4.14%4.28%
ExactlyOptimism1.69MUSDC0%4.22%4.25%
Flux-financeEthereum1.45MUSDC0%4.18%4.19%
ExactlyOptimism1.69MUSDC0%3.89%4.16%
ExactlyOptimism1.69MUSDC0%4.08%4.13%
ExactlyOptimism1.69MUSDC0%4.01%4.05%
Spark-savingsAvalanche152.16MUSDC0%4%4%
Spark-savingsEthereum237.84MUSDC0%4%4%
WasabiSolana1.68MUSDC0%7.34%3.99%
ExactlyOptimism1.69MUSDC0%4.19%3.95%
ExactlyOptimism1.69MUSDC0%3.88%3.95%
Yearn-financeEthereum1.11MUSDC0%4.17%3.9%
Navi-lendingSui11.18MUSDC0.6%4.99%3.84%
ExactlyOptimism1.69MUSDC0%3.11%3.72%
ExactlyOptimism1.69MUSDC0%3.83%3.66%
SymbiosisEthereum1.29MUSDC0%5.78%3.62%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum516.4M6.43%
Avalanche8167.2M8.36%
Base8155.9M5.9%
BSC000%
Ethereum161.7B5.36%
Hyperliquid000%
Mantle000%
Optimism813.6M3.98%
Polygon12.3M3.84%
Solana34.2M4.94%
TON000%
zkSync Era000%