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
08/02/2026 02:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Yearn-financeEthereum2.48MUSDC0%5.91%16.63%
Bracket-vaultsEthereum3.30MUSDC0%15.23%14.48%
Gains-networkArbitrum13.14MUSDC0%10.09%14%
FranciumSolana2.44MUSDC0%13.15%13.15%
WasabiSolana1.94MUSDC0%9.12%12.87%
Blend-pools-v2Stellar1.40MUSDC0.73%14.17%12.18%
AvantisBase88.61MUSDC0%11.34%11.58%
Blend-pools-v2Stellar7.19MUSDC0%12.06%10.37%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
Yearn-financeEthereum2.25MUSDC0%4.67%8.87%
Gains-networkBase2.35MUSDC0%10.94%8.77%
LiqwidCardano2.27MUSDC1.58%12.6%8.33%
SymbiosisEthereum1.14MUSDC0%5.46%8.29%
AutofinanceEthereum14.76MUSDC0.43%8.81%7.26%
Woofi-earnArbitrum1.17MUSDC0%7.1%7.17%
DeltaprimeAvalanche1.29MUSDC0%6.75%6.72%
WasabiBase8.70MUSDC0%7.25%6.59%
Silo-v2Avalanche1.09MUSDC0%9.05%6.31%
Hyperlend-pooledHyperliquid9.92MUSDC0%5.88%6.29%
Ipor-fusionBase1.84MUSDC0%7.54%6.21%
AutofinanceEthereum5MUSDC0%6.75%5.88%
Yo-protocolBase27.94MUSDC14%11.1%5.79%
LoopscaleSolana4.97MUSDC0.65%8.44%5.4%
VesperEthereum2.40MUSDC0%4.39%5.36%
Scallop-lendSui1.75MUSDC0%5.69%5.31%
Harmonix-financeArbitrum1.26MUSDC0%5.16%5.27%
LoopscaleSolana9.61MUSDC0%6.05%5.25%
Euler-v2Ethereum39.98MUSDC0%4.71%5.23%
AutofinanceBase18.80MUSDC1.81%7.63%5.18%
Harvest-financeBase2.82MUSDC0%6.31%5.1%
Echelon-marketAptos9.87MUSDC0%4.79%4.88%
Euler-v2Ethereum24.87MUSDC0%4.73%4.81%
ExactlyOptimism1.79MUSDC0%4.4%4.38%
ExactlyOptimism1.79MUSDC0%4.21%4.23%
ExactlyOptimism1.79MUSDC0%4.2%4.22%
Flux-financeEthereum1.44MUSDC0%4.15%4.19%
ExactlyOptimism1.79MUSDC0%4.01%4.08%
Extra-finance-leverage-farmingBase4.93MUSDC0.13%6.23%4.05%
ExactlyOptimism1.79MUSDC0%3.94%4.01%
Spark-savingsAvalanche112.92MUSDC0%4%4%
Spark-savingsEthereum157.16MUSDC0%4%4%
AutofinanceArbitrum1.32MUSDC2.19%6.74%3.98%
Folks-finance-xchainAvalanche1.14MUSDC0%5.98%3.93%
DolomiteEthereum15.96MUSDC0%3.87%3.92%
ExactlyOptimism1.79MUSDC0%3.86%3.89%
ExactlyOptimism1.79MUSDC0%3.79%3.89%
Harvest-financeEthereum1.07MUSDC0%4.91%3.86%
Harvest-financeEthereum1.07MUSDC0%4.91%3.86%
ExactlyOptimism1.79MUSDC0%3.57%3.82%
Aave-v3Base51.80MUSDC0%3.8%3.8%
Yearn-financeEthereum33.13MUSDC0%4.69%3.77%
Ipor-fusionBase1.08MUSDC0%4.82%3.73%
Folks-finance-lendingAlgorand2.11MUSDC0%4.32%3.69%
Silo-v2Ethereum1.49MUSDC0%4.2%3.66%
Navi-lendingSui12.99MUSDC0.75%5.48%3.64%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum416.9M7.61%
Avalanche4116.4M5.24%
Base10208.9M6.08%
BSC000%
Ethereum242.2B6.4%
Hyperliquid19.9M6.29%
Mantle000%
Optimism814.3M4.07%
Polygon12.2M3.94%
Solana419M9.17%
TON15.7M13.43%
zkSync Era000%