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 3.63% on Jun 03 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
05/06/2026 00:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Moonwell-lendingBase1.21MUSDC1.07%6.35%23.27%
SymbiosisEthereum1.20MUSDC0%8.12%14.55%
Ember-protocolSui1.14MUSDC0%8.52%13.82%
Canto-lendingCanto1.35MUSDC0%13.34%13.61%
Ember-protocolEthereum37.60MUSDC0%15.39%12.52%
Gains-networkArbitrum5.50MUSDC0%7%11.52%
Harmonix-financeHyperliquid L118.23MUSDC0%10.25%10.33%
Bracket-vaultsEthereum2.74MUSDC0%10.58%10.23%
GoldfinchEthereum36.72MUSDC0%10.06%10.12%
YieldseekerBase1.95MUSDC0%9.09%9.39%
Ember-protocolSui1.13MUSDC0%7.96%9.29%
AutofinanceEthereum1.52MUSDC0%10.32%9.26%
Ember-protocolSui2.84MUSDC0%7.36%8.99%
Ember-protocolSui1.53MUSDC0%9.47%8.97%
AvantisBase39.57MUSDC0%10.72%8.77%
Blend-pools-v2Stellar11.60MUSDC0%8.51%8.04%
Ember-protocolSui6.07MUSDC4%12%8%
Ember-protocolSui1.09MUSDC0%9.83%7.99%
LoopscaleSolana1.05MUSDC0.77%8.01%7.29%
Harvest-financeEthereum1.09MUSDC0%5.28%7.29%
Ember-protocolEthereum4.63MUSDC0%6.98%6.92%
Ember-protocolEthereum2.79MUSDC0%7.42%6.86%
Ember-protocolSui7.61MUSDC0%7.15%6.86%
Zerobase-cedefiBSC2.14MUSDC2%8.76%6.76%
Fusion-by-iporEthereum1.19MUSDC0%6.17%6.63%
Extra-finance-leverage-farmingBase3.71MUSDC0%6.31%6.17%
Kamino-lendSolana5.55MUSDC0%5.38%5.77%
Kamino-lendSolana1.08MUSDC0%5.74%5.69%
Harvest-financeBase1.89MUSDC0%9.87%5.68%
Kamino-lendSolana6.54MUSDC0%5.9%5.67%
AutofinanceEthereum7.31MUSDC0.54%4.96%5.48%
Kamino-lendSolana5.04MUSDC0%5.11%5.43%
Fluid-lendingEthereum8.49MUSDC0%4.23%5.4%
Fluid-lendingEthereum114.31MUSDC1.23%6.2%5.4%
AutofinanceBase7.37MUSDC2.69%8.37%5.37%
Ember-protocolSui1.76MUSDC4.62%12.52%5.13%
Hyperlend-pooledHyperliquid L114.10MUSDC0%5.09%4.99%
Fluid-lendingBase9.21MUSDC0%5.5%4.87%
Navi-lendingSui3.21MUSDC0.54%4.91%4.83%
Yearn-financeEthereum5.12MUSDC0%5.52%4.78%
Fluid-lendingArbitrum36.94MUSDC0%5.68%4.76%
AmpleBase4.31MUSDC0%4.77%4.66%
Benqi-lendingAvalanche4.76MUSDC0%6.81%4.38%
Folks-finance-lendingAlgorand1.45MUSDC0%4.47%4.35%
Aave-v3Avalanche6.58MUSDC0%5.34%4.23%
ExactlyOP Mainnet1.66MUSDC0%4.16%4.19%
LazyEthereum1.01MUSDC0%8.39%4.18%
LazyEthereum1.01MUSDC0%8.39%4.18%
ExactlyOP Mainnet1.66MUSDC0%4.12%4.16%
Yearn-financeEthereum11.53MUSDC0%5.08%4.09%
ExactlyOP Mainnet1.66MUSDC0%4.04%4.08%
ExactlyOP Mainnet1.66MUSDC0%3.95%4.05%
ExactlyOP Mainnet1.66MUSDC0%3.94%4.04%
TermmaxEthereum6.66MUSDC0%3.66%4.03%
Gains-networkBase2.19MUSDC0%3.12%4.03%
ExactlyOP Mainnet1.66MUSDC0%3.96%4.02%
SparklendEthereum3.40MUSDC0%4.14%4%
ExactlyOP Mainnet1.66MUSDC0%3.94%3.99%
ExactlyOP Mainnet1.66MUSDC0%3.94%3.95%
Yo-protocolBase14.56MUSDC0%4.16%3.91%
Yo-protocolEthereum3.11MUSDC0%4.16%3.91%
TermmaxBase1.25MUSDC0%4.14%3.82%
ExactlyOP Mainnet1.66MUSDC0%1.73%3.8%
Yearn-financeBase2MUSDC0%89.08%3.78%
Yearn-financeEthereum2.67MUSDC0%3.54%3.73%
Flux-financeEthereum2.66MUSDC0%3.69%3.69%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum350.1M7.76%
Avalanche415.9M4.22%
Base1289.2M6.98%
BSC453.4M7.75%
Ethereum251.2B6.3%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.1M4.4%
Solana519.3M5.97%
TON13.6M5.71%
zkSync Era000%