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 3.59% on Feb 05 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
07/02/2026 01:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Yearn-financeEthereum2.03MUSDC0%23.5%1891.55%
Yearn-financeEthereum8.57MUSDC0%54.5%423.45%
WasabiSolana1.56MUSDC0%8.94%15.96%
Gains-networkArbitrum13.47MUSDC0%9.79%15.25%
Blend-pools-v2Stellar1.26MUSDC0.86%14.23%14.65%
Bracket-vaultsEthereum3.30MUSDC0%15.27%14.5%
FranciumSolana2.44MUSDC0%13.15%13.15%
AvantisBase88.56MUSDC0%11.3%11.32%
Blend-pools-v2Stellar6.99MUSDC0%12.23%10.48%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
Gains-networkBase2.39MUSDC0%11.04%9.13%
LiqwidCardano2.19MUSDC1.58%12.65%8.59%
WasabiBase8.35MUSDC0%7.3%7.28%
Woofi-earnArbitrum1.17MUSDC0%7.1%7.17%
AutofinanceEthereum14.76MUSDC0.44%8.8%7.08%
Ipor-fusionBase1.84MUSDC0%7.56%6.84%
Hyperlend-pooledHyperliquid10.07MUSDC0%5.87%6.24%
Yo-protocolBase27.61MUSDC14%10.65%6.11%
Harmonix-financeArbitrum1.27MUSDC0%5.14%5.71%
LoopscaleSolana4.55MUSDC0.67%8.57%5.52%
Scallop-lendSui1.68MUSDC0%5.7%5.43%
AutofinanceEthereum5MUSDC0%6.83%5.32%
LoopscaleSolana9.78MUSDC0%6.08%5.29%
AutofinanceBase18.78MUSDC1.82%7.68%5.29%
Euler-v2Ethereum39.98MUSDC0%4.68%5.23%
Echelon-marketAptos9.26MUSDC0%4.79%5.1%
Euler-v2Ethereum22.97MUSDC0%4.73%5.01%
Harvest-financeBase3MUSDC0%6.36%4.98%
DeltaprimeAvalanche1.50MUSDC0%6.79%4.93%
VesperEthereum2.40MUSDC0%4.36%4.7%
Harvest-financeEthereum1.07MUSDC0%4.93%4.68%
Harvest-financeEthereum1.07MUSDC0%4.93%4.68%
ExactlyOptimism1.81MUSDC0%4.4%4.38%
ExactlyOptimism1.81MUSDC0%4.2%4.23%
ExactlyOptimism1.81MUSDC0%4.19%4.22%
Flux-financeEthereum1.44MUSDC0%4.15%4.19%
Extra-finance-leverage-farmingBase4.91MUSDC0.13%6.31%4.17%
AutofinanceArbitrum1.29MUSDC2.11%6.82%4.12%
ExactlyOptimism1.81MUSDC0%4.01%4.08%
DolomiteEthereum14.65MUSDC0%3.81%4.02%
ExactlyOptimism1.81MUSDC0%3.94%4.01%
Spark-savingsAvalanche108.86MUSDC0%4%4%
Spark-savingsEthereum156.42MUSDC0%4%4%
Kamino-lendSolana15.49MUSDC0%3.05%3.98%
ExactlyOptimism1.81MUSDC0%3.86%3.89%
NeverlandMonad2.70MUSDC9.17%14.85%3.89%
Aave-v3Base47.46MUSDC0%3.79%3.89%
ExactlyOptimism1.81MUSDC0%3.78%3.88%
Folks-finance-xchainAvalanche1.18MUSDC0%6.09%3.86%
ExactlyOptimism1.81MUSDC0%3.56%3.82%
Ipor-fusionBase1.10MUSDC0%4.87%3.74%
Moar-marketAptos1.38MUSDC8.35%15.02%3.73%
Navi-lendingSui12.70MUSDC0.76%5.53%3.69%
Benqi-lendingAvalanche7.92MUSDC0%4.75%3.66%
Yearn-financeEthereum32.53MUSDC0%4.72%3.66%
Harvest-financeBase1.10MUSDC0%5.23%3.6%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum417.2M8.06%
Avalanche4119.5M4.11%
Base11205.1M6.03%
BSC000%
Ethereum222.2B110.49%
Hyperliquid110.1M6.24%
Mantle000%
Optimism814.5M4.06%
Polygon12.2M3.95%
Solana533.8M8.78%
TON15.7M14.33%
zkSync Era000%