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 3.79% on Nov 12 2025). 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
14/11/2025 19:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum3.46MUSDC0%41.12%43.37%
AvantisBase106.56MUSDC0%21.54%20.21%
Bracket-vaultsEthereum9.20MUSDC0%18.92%19.26%
Stream-financeEthereum382.31MUSDC0%15.01%15.52%
Blend-pools-v2Stellar3.09MUSDC0%14.09%15.15%
Ipor-fusionBase1.31MUSDC0%20.04%14.58%
WasabiBase9.26MUSDC0%12.16%14.09%
Gains-networkArbitrum13.96MUSDC0%14.89%13.8%
Ipor-fusionEthereum1.15MUSDC0%16.44%13.46%
DeltaprimeArbitrum1.29MUSDC0%14.78%13.32%
VesperEthereum2.21MUSDC0%5.31%13.19%
FranciumSolana2.44MUSDC0%13.15%13.15%
LiqwidCardano2.93MUSDC1.36%19.81%12.94%
Harvest-financeBase2.44MUSDC0%12.77%12.7%
DeltaprimeAvalanche3.12MUSDC0%13.6%11.13%
VesuStarknet1.17MUSDC1.89%5.09%10.8%
Yo-protocolBase27.68MUSDC0%11.15%10.44%
LoopscaleSolana2.06MUSDC0.51%10.37%10.38%
GoldfinchEthereum42.57MUSDC0%9.56%9.56%
LoopscaleSolana1.11MUSDC1.69%10.9%9.33%
Harmonix-financeArbitrum4.57MUSDC0%12.72%9.25%
Extra-finance-leverage-farmingBase5.78MUSDC0.22%8.93%8.86%
SuperfundBase1.10MUSDC0.28%12.57%8.51%
Gains-networkBase1.51MUSDC0%10.64%8.41%
Echelon-marketAptos5.83MUSDC0%7.79%8.34%
AutofinanceArbitrum5.34MUSDC4.83%10.26%8.25%
TermmaxEthereum3.09MUSDC0%5.63%8.21%
Harvest-financeEthereum1.10MUSDC0%8.53%8.12%
Navi-lendingSui7.67MUSDC1.01%12.59%8.04%
Yearn-financeEthereum12.80MUSDC0%6.32%7.84%
Takara-lendSei1.33MUSDC7.35%27.05%7.77%
Harvest-financeBase1.96MUSDC0%7.63%7.53%
AutofinanceBase22.67MUSDC3.78%11.09%7.37%
Silo-v2Avalanche1.52MUSDC0%11.18%7.34%
Euler-v2Ethereum13.03MUSDC0%6.59%7.29%
Yearn-financeEthereum20.07MUSDC0%6.65%7.16%
Ipor-fusionBase1.96MUSDC0%7.32%7.03%
Euler-v2Arbitrum4.40MUSDC0%8.63%7.01%
AutofinanceEthereum11.27MUSDC1.18%8.87%7.01%
Yearn-financeEthereum34.26MUSDC0%5.7%6.76%
Euler-v2Arbitrum2.05MUSDC0%6.19%6.76%
TermmaxEthereum2.73MUSDC0%4.61%6.69%
Scallop-lendSui1.46MUSDC0%8.83%6.45%
Euler-v2Avalanche2.29MUSDC0%6.63%6.43%
Harvest-financeBase1.12MUSDC0%6.39%6.33%
Euler-v2Arbitrum1.27MUSDC0%5.75%6.29%
Yearn-financeBase1.44MUSDC0%6.21%6.28%
SaveSolana4.58MUSDC0%7.74%6.19%
Fluid-lendingEthereum262.46MUSDC1.69%6.31%5.94%
Yearn-financeEthereum1.10MUSDC0%7.9%5.93%
Yearn-financeEthereum1.10MUSDC0%7.9%5.93%
Folks-finance-lendingAlgorand1.30MUSDC0%5.28%5.29%
Moonwell-lendingBase5.70MUSDC1.14%10.84%5.28%
Euler-v2Ethereum6.25MUSDC0%5.49%5.28%
Fluid-lendingBase21.59MUSDC2.25%6.97%5.13%
Benqi-lendingAvalanche5.80MUSDC0%7.39%5.03%
Hyperlend-pooledHyperliquid5.27MUSDC0%6.1%4.98%
AutofinanceEthereum8.65MUSDC0%4.36%4.89%
ExactlyOptimism1.35MUSDC0%4.92%4.87%
ExactlyOptimism1.35MUSDC0%5%4.87%
ExactlyOptimism1.35MUSDC0%4.94%4.81%
ExactlyOptimism1.35MUSDC0%5%4.76%
DolomiteArbitrum4.35MUSDC0%6.95%4.69%
Euler-v2Ethereum1.41MUSDC0%6.58%4.61%
ExactlyOptimism1.35MUSDC0%4.67%4.61%
Fluid-lendingPolygon6.50MUSDC0%6.87%4.58%
ExactlyOptimism1.35MUSDC0%4.65%4.5%
Venus-core-poolBSC15.45MUSDC0%3.67%4.33%
Aave-v3Ethereum700.43MUSDC0%4.09%4.29%
Harvest-financeBase1.94MUSDC0%4.19%4.2%
Aave-v3Linea4.86MUSDC0%4.43%4.17%
ExactlyOptimism1.35MUSDC0%4.14%4.15%
ExactlyOptimism1.35MUSDC0%4.13%4.13%
Hatom-lendingMultiversX1.31MUSDC0.92%5.73%3.96%
ExactlyOptimism1.35MUSDC0%3.42%3.81%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum837.2M8.67%
Avalanche514.6M6.96%
Base16214M9.18%
BSC115.4M4.33%
Ethereum293.1B8.79%
Mantle000%
Optimism1014.3M4.45%
Polygon16.5M4.58%
Solana512.3M8.81%
TON15.9M29.8%
zkSync Era000%