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 Jan 29 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
02/02/2026 11:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Gains-networkArbitrum13.07MUSDC0%8.25%20.25%
Gains-networkBase2.30MUSDC0%10.47%16.05%
Bracket-vaultsEthereum4.07MUSDC0%15.45%14.93%
Blend-pools-v2Stellar1.28MUSDC0.66%14.14%14.29%
FranciumSolana2.44MUSDC0%13.15%13.15%
LiqwidCardano1.83MUSDC1.58%12.56%12.52%
Blend-pools-v2Stellar6.14MUSDC0%12.48%11.11%
AvantisBase92.75MUSDC0%10.96%10.43%
GoldfinchEthereum37.74MUSDC0%10.01%10.01%
AutofinanceEthereum12.70MUSDC0.35%8.72%8.5%
Ipor-fusionBase1.87MUSDC0%7.65%7.73%
Yearn-financeEthereum33.35MUSDC0%4.8%7.6%
Ipor-fusionEthereum6.75MUSDC0%6.69%7.21%
Woofi-earnArbitrum1.16MUSDC0%7.11%7.2%
LoopscaleSolana3.17MUSDC0.56%9.04%7.18%
WasabiBase9.86MUSDC0%7.47%7.02%
Hyperlend-pooledHyperliquid6.72MUSDC0%5.6%6.85%
Yo-protocolBase28.40MUSDC14%8.56%6.71%
Yearn-financeEthereum1.10MUSDC0%4.72%6.68%
DeltaprimeAvalanche1.76MUSDC0%7.09%5.88%
Harvest-financeBase3.15MUSDC0%6.42%5.75%
Scallop-lendSui1.74MUSDC0%5.69%5.59%
AutofinanceBase22.80MUSDC1.3%7.87%5.48%
LoopscaleSolana13.64MUSDC0%6.21%5.47%
Harmonix-financeArbitrum1.33MUSDC0%5.06%5.38%
DolomiteArbitrum2.35MUSDC0%4.74%5.35%
WasabiSolana1.50MUSDC0%8.92%5.19%
VesperEthereum2.43MUSDC0%4.24%5.19%
Extra-finance-leverage-farmingBase5.92MUSDC0.12%6.56%5.16%
Euler-v2Ethereum22.13MUSDC0%4.71%5.03%
Folks-finance-lendingAlgorand1.25MUSDC0%4.29%5.01%
Euler-v2Ethereum35.73MUSDC0%4.59%4.95%
Euler-v2Arbitrum1.11MUSDC0%6.52%4.93%
SymbiosisEthereum1.30MUSDC0%4.94%4.79%
Euler-v2Avalanche3.99MUSDC0%9.08%4.79%
AutofinanceEthereum8.70MUSDC0%1.78%4.78%
Harvest-financeEthereum1.07MUSDC0%5%4.72%
Harvest-financeEthereum1.07MUSDC0%5%4.72%
AutofinanceArbitrum1.33MUSDC2.01%7.12%4.53%
Harvest-financeBase1.51MUSDC0%5.29%4.46%
ExactlyOptimism1.79MUSDC0%4.4%4.39%
Benqi-lendingAvalanche6.33MUSDC0%4.88%4.38%
SparklendEthereum5.21MUSDC0%3.94%4.38%
Fluid-lendingEthereum324.44MUSDC0.97%4.84%4.35%
Fluid-lendingEthereum3.03MUSDC0%3.69%4.35%
Echelon-marketAptos14MUSDC0%4.75%4.31%
Aave-v3Ethereum7.99MUSDC0%4.29%4.29%
Ipor-fusionBase1.51MUSDC0%4.92%4.26%
NeverlandMonad2.75MUSDC9.38%16.04%4.24%
ExactlyOptimism1.79MUSDC0%4.2%4.22%
ExactlyOptimism1.79MUSDC0%4.19%4.21%
Flux-financeEthereum1.46MUSDC0%4.14%4.19%
Takara-lendSei1.32MUSDC3.52%8.44%4.06%
ExactlyOptimism1.79MUSDC0%3.99%4.04%
Spark-savingsAvalanche94.70MUSDC0%4%4%
Spark-savingsEthereum204.20MUSDC0%4%4%
ExactlyOptimism1.79MUSDC0%3.92%3.98%
Yearn-financeBase2.33MUSDC0%4.73%3.96%
DolomiteEthereum16.16MUSDC0%3.7%3.89%
ExactlyOptimism1.79MUSDC0%3.84%3.89%
ExactlyOptimism1.79MUSDC0%3.75%3.85%
Navi-lendingSui12.96MUSDC0.81%5.7%3.75%
Moonwell-lendingBase9.53MUSDC0%4.77%3.73%
ExactlyOptimism1.79MUSDC0%3.88%3.72%
Aave-v3Ethereum559.22MUSDC0%3.66%3.66%
Aave-v3Base54.33MUSDC0%3.6%3.63%
ExactlyOptimism1.79MUSDC0%3.52%3.62%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum620.3M7.94%
Avalanche4106.8M4.76%
Base13236.2M6.49%
BSC000%
Ethereum303.2B5.9%
Hyperliquid16.7M6.85%
Mantle000%
Optimism916.1M3.99%
Polygon12M4.1%
Solana420.7M7.75%
TON15.8M5.79%
zkSync Era000%