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 3.57% on Jan 15 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
18/01/2026 07:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum4.99MUSDC0%38.74%35.07%
Hatom-lendingMultiversX1.27MUSDC0.33%20.21%18.74%
Bracket-vaultsEthereum8.13MUSDC0%16.16%15.56%
FranciumSolana2.44MUSDC0%13.15%13.15%
Ipor-fusionEthereum6.91MUSDC0%6.91%13.14%
Blend-pools-v2Stellar5.47MUSDC0%13.22%13.11%
Blend-pools-v2Stellar1.32MUSDC0.8%15.06%12.84%
AvantisBase100.50MUSDC0%10.62%12.39%
Gains-networkBase1.98MUSDC0%7.81%11.28%
LiqwidCardano2.35MUSDC1.58%11.64%10.55%
GoldfinchEthereum38.05MUSDC0%10.01%10.01%
Euler-v2Avalanche1.95MUSDC0%8.92%9.25%
AutofinanceEthereum9.70MUSDC0.92%7.95%9.02%
WasabiBase10.37MUSDC0%8.82%8.18%
LoopscaleSolana2.22MUSDC0.82%9.82%8.1%
DeltaprimeAvalanche1.81MUSDC0%7.5%7.72%
Yo-protocolBase26.27MUSDC0%6.99%7.44%
Woofi-earnArbitrum1.23MUSDC0%7.54%6.96%
WasabiSolana2.15MUSDC0%11.77%6.69%
Extra-finance-leverage-farmingBase6.27MUSDC0.14%6.96%6.64%
LoopscaleSolana11.53MUSDC0%6.54%6.27%
Harvest-financeBase1.29MUSDC0%6.25%6.09%
AutofinanceBase24.79MUSDC2.26%8.47%5.91%
Scallop-lendSui1.75MUSDC0%5.72%5.87%
Gains-networkArbitrum13.66MUSDC0%9.54%5.84%
Harvest-financeBase1.75MUSDC0%5.37%5.49%
Euler-v2Arbitrum1.59MUSDC0%6.28%5.19%
Harvest-financeBase3.36MUSDC0%6.8%5.13%
Benqi-lendingAvalanche5.27MUSDC0%4.72%5.04%
TermmaxEthereum1.06MUSDC0%4.31%4.96%
TermmaxEthereum1.06MUSDC0%4.31%4.96%
Ipor-fusionBase1.75MUSDC0%5.17%4.83%
Hyperlend-pooledHyperliquid11.46MUSDC0%5.17%4.79%
Navi-lendingSui15.09MUSDC1.3%5.46%4.78%
NeverlandMonad1.99MUSDC11.4%18.63%4.74%
Harmonix-financeArbitrum1.53MUSDC0%5.08%4.72%
Euler-v2Ethereum30.38MUSDC0%4.8%4.66%
Harvest-financeEthereum1.07MUSDC0%5.11%4.65%
Echelon-marketAptos16.29MUSDC0%4.77%4.6%
Yearn-financeEthereum9.50MUSDC0%4.65%4.52%
AutofinanceArbitrum1.76MUSDC2.35%8.49%4.49%
Yearn-financeBase2.35MUSDC0%5.24%4.48%
ExactlyOptimism1.79MUSDC0%4.43%4.4%
Folks-finance-lendingAlgorand1.80MUSDC0%4.17%4.39%
Euler-v2Ethereum27.18MUSDC0%4.79%4.35%
Harvest-financeBase1.15MUSDC0%5.32%4.33%
GearboxMonad4.62MUSDC3.8%8.91%4.29%
Yearn-financeEthereum33.97MUSDC0%4.36%4.23%
Yearn-financeEthereum1.08MUSDC0%4.55%4.2%
ExactlyOptimism1.79MUSDC0%4.18%4.2%
ExactlyOptimism1.79MUSDC0%4.17%4.19%
Flux-financeEthereum1.59MUSDC0%4.13%4.13%
ExactlyOptimism1.79MUSDC0%4.42%4.12%
Euler-v2Ethereum1.95MUSDC0%3.5%4.11%
VesperEthereum2.56MUSDC0%3.98%4.06%
DolomiteArbitrum3.50MUSDC0%4.59%4.06%
Spark-savingsEthereum177.21MUSDC0%4%4%
Spark-savingsAvalanche218.69MUSDC0%4%4%
ExactlyOptimism1.79MUSDC0%3.95%3.99%
SparklendEthereum7.03MUSDC0%3.94%3.99%
ExactlyOptimism1.79MUSDC0%3.87%3.92%
ExactlyOptimism1.79MUSDC0%4.36%3.86%
ExactlyOptimism1.79MUSDC0%3.79%3.84%
ExactlyOptimism1.79MUSDC0%3.59%3.75%
Aave-v3Avalanche17.66MUSDC0%3.62%3.72%
Euler-v2Arbitrum1.89MUSDC0%6.13%3.68%
Moonwell-lendingBase10.80MUSDC0.73%5.36%3.65%
ExactlyOptimism1.79MUSDC0%3.04%3.61%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum725.2M4.99%
Avalanche6246.9M5.78%
Base13192.6M6.6%
BSC000%
Ethereum282.2B6.75%
Hyperliquid111.5M4.79%
Mantle000%
Optimism1017.9M3.99%
Polygon11.6M3.58%
Solana418.3M8.55%
TON15.9M15.56%
zkSync Era000%