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 3.94% on Sep 11 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
14/09/2025 08:00:05

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Harvest-financeArbitrum1.15MUSDC0%24.15%27.61%
Peapods-financeEthereum9.98MUSDC0%33.58%27.51%
Peapods-financeEthereum17.09MUSDC0%23.47%27.31%
Peapods-financeEthereum10.67MUSDC0%23.09%23.84%
Peapods-financeArbitrum3.89MUSDC0%22.88%21.05%
Stream-financeEthereum114.84MUSDC0%14.79%15.61%
Euler-v2Ethereum9.63MUSDC0.31%12.55%15.33%
SandclockEthereum1.08MUSDC15%21.18%14.81%
SandclockEthereum1.08MUSDC15%21.18%14.81%
DeltaprimeAvalanche3.61MUSDC0%15.25%14.42%
Harvest-financeArbitrum1.20MUSDC0%14.85%14.28%
Navi-lendingSui6.59MUSDC0%9.3%14.28%
Gains-networkBase1.78MUSDC0%11.69%13.53%
FranciumSolana2.44MUSDC0%13.15%13.15%
Gains-networkArbitrum12.56MUSDC0%13.94%13.06%
DeltaprimeArbitrum1.30MUSDC0%12.68%12.47%
Euler-v2Avalanche3.60MUSDC2.55%14.35%12.43%
LiqwidCardano3.72MUSDC1.25%16.01%12.29%
Scallop-lendSui1.37MUSDC0%8.03%11.92%
Harmonix-financeArbitrum4.79MUSDC0%10.63%11.48%
WasabiBase8.41MUSDC0%11.34%10.92%
Blend-pools-v2Stellar1.85MUSDC0%12.62%10.41%
Harvest-financeBase2.45MUSDC0%12.61%10.3%
SuperfundBase3.02MUSDC0.82%13.73%10.17%
Extra-finance-leverage-farmingBase7.18MUSDC0.39%10.42%10.15%
TokemakEthereum12.97MUSDC1.78%11.72%9.96%
GoldfinchEthereum42.69MUSDC0%9.55%9.55%
Harvest-financeBase1.29MUSDC0%9.38%9.47%
VesperEthereum1.87MUSDC0%4.96%9.43%
Benqi-lendingAvalanche7.82MUSDC0%8.18%9.36%
DolomiteArbitrum1.78MUSDC0%8.01%9.3%
Harvest-financeBase3.11MUSDC0%9.42%9.07%
Euler-v2Ethereum22.19MUSDC0%9.69%8.67%
Harvest-financeBase1.25MUSDC0%8.21%8.45%
Moonwell-lendingBase4.75MUSDC0%7.96%8.29%
Ipor-fusionBase3.08MUSDC0%8.65%8.11%
Harvest-financeEthereum1.11MUSDC0%9.01%7.51%
Echelon-marketAptos7.09MUSDC2.82%10.74%7.44%
TermmaxEthereum2.61MUSDC0%4.24%7.18%
Harvest-financeBase1.71MUSDC0%8.13%7.14%
TokemakBase27.28MUSDC4.25%12.22%7.12%
Woofi-earnArbitrum1.28MUSDC0%8.54%7.1%
Silo-v2Sonic2.77MUSDC0%7.54%7.05%
Yearn-financeEthereum7.51MUSDC0%5.08%6.91%
Morpho-blueEthereum13.03MUSDC0%8.54%6.9%
AvantisBase9.92MUSDC0%4.41%6.73%
Yearn-financeEthereum14.84MUSDC0%7.48%6.62%
ExactlyOptimism1.12MUSDC0%5.52%6.13%
Echelon-marketMove1.66MUSDC3.37%10.1%6.13%
Polynomial-liquidityPolynomial1.66MUSDC0%6.28%6%
ExactlyOptimism1.12MUSDC0%5.16%5.95%
TermmaxEthereum14.21MUSDC0%5.87%5.92%
Folks-finance-lendingAlgorand1.29MUSDC0%6.91%5.86%
AvantisBase6.14MUSDC0%3.26%5.85%
ExactlyOptimism1.12MUSDC0%5.39%5.85%
Euler-v2Ethereum1.79MUSDC0%7.68%5.77%
Echelon-marketEchelon_initia1.09MUSDC5.53%11.36%5.77%
Yearn-financeEthereum19.34MUSDC0.23%6.7%5.67%
Euler-v2Arbitrum7.02MUSDC0%3.65%5.65%
ExactlyOptimism1.12MUSDC0%5.01%5.37%
ExactlyOptimism1.12MUSDC0%4.94%5.27%
ExactlyOptimism1.12MUSDC0%2.56%5.22%
Euler-v2Unichain2.11MUSDC0%7.39%5.15%
ExactlyOptimism1.12MUSDC0%4.76%5.11%
ExactlyOptimism1.12MUSDC0%4.81%5.03%
ExactlyOptimism1.12MUSDC0%4.64%4.99%
Aave-v3Base71.69MUSDC0%5.29%4.96%
ExactlyOptimism1.12MUSDC0%4.61%4.95%
Kamino-lendSolana41.40MUSDC0%4.69%4.89%
Fluid-lendingArbitrum37.48MUSDC5.53%8.06%4.89%
Aave-v3Arbitrum38.98MUSDC0%4.38%4.85%
GearboxEthereum1.23MUSDC0%4.44%4.83%
Euler-v2Arbitrum1.94MUSDC0%5.01%4.81%
SaveSolana11.78MUSDC0%4.31%4.59%
Aave-v3Polygon10.25MUSDC0%4.63%4.57%
Aave-v3Optimism4.62MUSDC0%4.86%4.51%
TokemakEthereum10.27MUSDC9.76%15.67%4.49%
Aave-v3Avalanche27.14MUSDC0%5.47%4.45%
Aave-v3Ethereum1BUSDC0%4.43%4.38%
Takara-lendSei4.15MUSDC9.4%13.93%4.28%
Compound-v3Arbitrum3.08MUSDC1.06%5.45%4.27%
Compound-v3Ethereum51.77MUSDC0.22%5.03%4.22%
Fluid-lendingEthereum300.05MUSDC2.53%7.74%4.11%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum14117.5M10.4%
Avalanche658M8.96%
Base15153.1M8.68%
BSC484.2M6.71%
Ethereum403.3B8.44%
Mantle000%
Optimism1217.9M5.23%
Polygon313M4.48%
Solana560.3M6.41%
TON16.7M8.04%
zkSync Era000%