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 20 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
22/01/2026 10:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum4.79MUSDC0%38.09%32.36%
Hatom-lendingMultiversX1.27MUSDC0.33%19.32%18.74%
Bracket-vaultsEthereum8.06MUSDC0%15.95%15.31%
FranciumSolana2.44MUSDC0%13.15%13.15%
AvantisBase101.26MUSDC0%10.83%12.14%
LiqwidCardano1.96MUSDC1.58%11.94%12.09%
Blend-pools-v2Stellar1.40MUSDC0.86%14.99%11.76%
Blend-pools-v2Stellar5.81MUSDC0%13.22%11.71%
GoldfinchEthereum37.74MUSDC0%10.01%10.01%
WasabiSolana1.34MUSDC0%11.92%9.81%
AutofinanceEthereum13.25MUSDC0.53%8.27%8.69%
Ipor-fusionBase1.93MUSDC0%7.4%8.56%
Harvest-financeBase3.16MUSDC0%6.61%8.37%
LoopscaleSolana1.67MUSDC0.82%9.68%8.3%
Yo-protocolBase26.50MUSDC0%7.03%7.58%
Gains-networkBase2.22MUSDC0%8.57%7.31%
Woofi-earnArbitrum1.19MUSDC0%7.44%7.08%
DeltaprimeAvalanche1.87MUSDC0%7.6%6.92%
Euler-v2Avalanche2.14MUSDC0%8.71%6.85%
LoopscaleSolana12.38MUSDC0%6.41%6.84%
WasabiBase10.55MUSDC0%8.54%6.51%
Scallop-lendSui1.67MUSDC0%5.74%5.98%
Extra-finance-leverage-farmingBase6.45MUSDC0.08%6.88%5.93%
AutofinanceBase23.96MUSDC1.98%8.3%5.8%
Compound-v3Ethereum38.11MUSDC0.12%3.8%5.78%
Gains-networkArbitrum13.15MUSDC0%7.77%5.42%
Harvest-financeEthereum1.07MUSDC0%5.14%5.34%
Harmonix-financeArbitrum1.51MUSDC0%4.92%5.15%
Harvest-financeBase1.63MUSDC0%5.36%5.1%
TermmaxEthereum1.07MUSDC0%4.56%4.92%
Echelon-marketAptos14.55MUSDC0%4.71%4.83%
Navi-lendingSui15.67MUSDC0.83%5.59%4.66%
Yearn-financeEthereum1.08MUSDC0%4.48%4.66%
Ipor-fusionBase1.63MUSDC0%5.11%4.62%
Benqi-lendingAvalanche6.70MUSDC0%4.78%4.59%
Euler-v2Ethereum25.30MUSDC0%4.64%4.59%
Yearn-financeEthereum20.29MUSDC0%4.53%4.57%
Euler-v2Ethereum31.53MUSDC0%4.66%4.55%
AutofinanceArbitrum1.70MUSDC2.2%8.09%4.49%
Folks-finance-lendingAlgorand1.73MUSDC0%4.21%4.43%
ExactlyOptimism1.73MUSDC0%4.42%4.4%
Yearn-financeBase2.35MUSDC0%5.09%4.37%
Hyperlend-pooledHyperliquid11.24MUSDC0%5.14%4.35%
DolomiteArbitrum3.19MUSDC0%4.48%4.34%
Yearn-financeEthereum33.36MUSDC0%4.28%4.32%
ExactlyOptimism1.73MUSDC0%4.19%4.2%
ExactlyOptimism1.73MUSDC0%4.17%4.19%
Arcadia-v2Base1.07MUSDC0%11.92%4.16%
Arcadia-v2Base1.07MUSDC0%11.92%4.16%
Euler-v2Ethereum1.88MUSDC0%3.82%4.14%
Flux-financeEthereum1.58MUSDC0%4.13%4.13%
ExactlyOptimism1.73MUSDC0%4.34%4.1%
DolomiteEthereum13.07MUSDC0%3%4.07%
ExactlyOptimism1.73MUSDC0%3.96%4.01%
Spark-savingsAvalanche221.59MUSDC0%4%4%
Spark-savingsEthereum183.21MUSDC0%4%4%
SparklendEthereum6.97MUSDC0%3.96%3.99%
Harvest-financeBase1.12MUSDC0%5.19%3.99%
VesperEthereum2.57MUSDC0%3.92%3.95%
ExactlyOptimism1.73MUSDC0%3.88%3.94%
Aave-v3Ethereum466.73MUSDC0%3.38%3.88%
Aave-v3Avalanche15.17MUSDC0%3.67%3.86%
ExactlyOptimism1.73MUSDC0%3.81%3.86%
ExactlyOptimism1.73MUSDC0%3.65%3.78%
Aave-v3Ethereum1.10MUSDC0%3.36%3.7%
Aave-v3Linea1.38MUSDC0%3.13%3.7%
ExactlyOptimism1.73MUSDC0%3.36%3.61%
GearboxMonad4.69MUSDC3.5%8.78%3.59%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum520.7M5.3%
Avalanche6249.5M5.12%
Base14184.9M6.33%
BSC000%
Ethereum292.8B6.2%
Hyperliquid111.2M4.35%
Mantle000%
Optimism915.6M4.01%
Polygon22.6M3.96%
Solana417.8M9.53%
TON16M6.84%
zkSync Era000%