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 3.58% on Jan 30 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
03/02/2026 00:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Gains-networkArbitrum13.04MUSDC0%8.42%21.53%
Gains-networkBase2.32MUSDC0%10.64%15.71%
Bracket-vaultsEthereum4.07MUSDC0%15.43%14.93%
Blend-pools-v2Stellar1.29MUSDC0.66%14.14%14.09%
FranciumSolana2.44MUSDC0%13.15%13.15%
LiqwidCardano1.91MUSDC1.58%12.61%12.14%
Blend-pools-v2Stellar6.11MUSDC0%12.47%11.23%
AvantisBase92.92MUSDC0%11.01%10.41%
GoldfinchEthereum37.74MUSDC0%10.01%10.01%
AutofinanceEthereum18.22MUSDC0.35%8.74%8.5%
DeltaprimeAvalanche1.69MUSDC0%7.05%7.63%
WasabiBase9.82MUSDC0%7.44%7.22%
Woofi-earnArbitrum1.16MUSDC0%7.1%7.21%
Ipor-fusionBase1.87MUSDC0%7.64%6.72%
LoopscaleSolana5.39MUSDC0.57%9%6.51%
Hyperlend-pooledHyperliquid7.84MUSDC0%5.62%6.39%
Yo-protocolBase28.51MUSDC14%8.79%6.37%
Harvest-financeBase3.08MUSDC0%6.42%5.83%
Scallop-lendSui1.75MUSDC0%5.69%5.58%
AutofinanceBase22.79MUSDC1.39%7.85%5.48%
Extra-finance-leverage-farmingBase5.72MUSDC0.13%6.54%5.41%
Harmonix-financeArbitrum1.31MUSDC0%5.07%5.39%
LoopscaleSolana13.56MUSDC0%6.2%5.36%
Ipor-fusionEthereum6.73MUSDC0%6.68%5.32%
WasabiSolana1.50MUSDC0%8.87%5.29%
DolomiteArbitrum2.46MUSDC0%4.76%5.22%
Euler-v2Avalanche3.31MUSDC0%8.83%5.19%
VesperEthereum2.43MUSDC0%4.26%5.15%
Euler-v2Ethereum21.57MUSDC0%4.71%5.09%
SymbiosisEthereum1.12MUSDC0%4.94%5.09%
SymbiosisEthereum1.12MUSDC0%4.94%5.09%
Euler-v2Ethereum35.73MUSDC0%4.59%4.95%
Folks-finance-lendingAlgorand1.40MUSDC0%4.3%4.82%
AutofinanceEthereum8.70MUSDC0%1.81%4.74%
Harvest-financeBase1.51MUSDC0%5.28%4.57%
AutofinanceArbitrum1.32MUSDC1.98%7.09%4.53%
Moar-marketAptos2.16MUSDC4.64%16.13%4.44%
NeverlandMonad2.76MUSDC9.51%15.96%4.44%
ExactlyOptimism1.81MUSDC0%4.4%4.39%
Ipor-fusionBase1.51MUSDC0%4.91%4.35%
ExactlyOptimism1.81MUSDC0%4.2%4.22%
ExactlyOptimism1.81MUSDC0%4.19%4.21%
Flux-financeEthereum1.46MUSDC0%4.14%4.19%
Takara-lendSei1.32MUSDC3.64%8.38%4.07%
ExactlyOptimism1.81MUSDC0%4%4.04%
Spark-savingsAvalanche94.83MUSDC0%4%4%
Spark-savingsEthereum161.96MUSDC0%4%4%
Benqi-lendingAvalanche7.52MUSDC0%4.87%4%
ExactlyOptimism1.81MUSDC0%3.92%3.98%
Aave-v3Ethereum9.65MUSDC0%4.28%3.96%
Echelon-marketAptos15.31MUSDC0%4.74%3.94%
ExactlyOptimism1.81MUSDC0%3.84%3.89%
DolomiteEthereum16.46MUSDC0%3.69%3.86%
ExactlyOptimism1.81MUSDC0%3.76%3.85%
Aave-v3Base45.32MUSDC0%3.61%3.81%
Navi-lendingSui12.77MUSDC0.83%5.68%3.78%
ExactlyOptimism1.81MUSDC0%3.86%3.69%
Yearn-financeEthereum33.27MUSDC0%4.84%3.65%
ExactlyOptimism1.81MUSDC0%3.52%3.62%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum519.3M8.78%
Avalanche4107.3M5.21%
Base11215.4M6.9%
BSC000%
Ethereum232.2B5.89%
Hyperliquid17.8M6.39%
Mantle000%
Optimism916.3M3.99%
Polygon12M4.07%
Solana422.9M7.58%
TON15.8M6.04%
zkSync Era000%