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
19/01/2026 09:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum4.95MUSDC0%38.63%34.95%
Hatom-lendingMultiversX1.27MUSDC0.33%19.75%18.74%
Bracket-vaultsEthereum8.06MUSDC0%16.1%15.52%
Ipor-fusionEthereum6.91MUSDC0%6.84%14.21%
FranciumSolana2.44MUSDC0%13.15%13.15%
Blend-pools-v2Stellar5.46MUSDC0%13.23%13.02%
Blend-pools-v2Stellar1.32MUSDC0.8%15.07%12.56%
Gains-networkBase1.99MUSDC0%8.04%12.46%
AvantisBase100.56MUSDC0%10.69%12.32%
LiqwidCardano2.29MUSDC1.58%11.72%10.79%
GoldfinchEthereum37.74MUSDC0%10.01%10.01%
AutofinanceEthereum10.43MUSDC0.88%8.04%9.02%
Ipor-fusionBase1.93MUSDC0%7.3%8.47%
LoopscaleSolana1.50MUSDC0.82%9.78%8.28%
WasabiBase10.32MUSDC0%8.78%7.97%
Yo-protocolBase26.28MUSDC0%7%7.57%
DeltaprimeAvalanche1.83MUSDC0%7.56%7.25%
Woofi-earnArbitrum1.19MUSDC0%7.51%7.09%
Extra-finance-leverage-farmingBase5.91MUSDC0.14%6.95%7.04%
Euler-v2Avalanche2.16MUSDC0%8.96%6.83%
Gains-networkArbitrum13.74MUSDC0%8.97%6.3%
LoopscaleSolana12.10MUSDC0%6.5%6.24%
Scallop-lendSui1.66MUSDC0%5.71%6.02%
AutofinanceBase24.25MUSDC2.25%8.43%5.91%
Euler-v2Arbitrum1.36MUSDC0%6.24%5.56%
Harvest-financeBase2.81MUSDC0%6.74%5.49%
Harvest-financeBase1.75MUSDC0%5.37%5.39%
Benqi-lendingAvalanche5.17MUSDC0%4.75%5.06%
Ipor-fusionBase1.75MUSDC0%5.16%4.96%
Hyperlend-pooledHyperliquid11.13MUSDC0%5.16%4.86%
Harvest-financeEthereum1.07MUSDC0%5.09%4.84%
Harvest-financeEthereum1.07MUSDC0%5.09%4.84%
Euler-v2Ethereum28.76MUSDC0%4.75%4.8%
Echelon-marketAptos15.51MUSDC0%4.74%4.78%
Harmonix-financeArbitrum1.52MUSDC0%5.02%4.72%
Navi-lendingSui15.99MUSDC1.14%5.51%4.64%
Yearn-financeBase2.35MUSDC0%5.19%4.57%
GearboxMonad4.40MUSDC3.6%8.9%4.48%
AutofinanceArbitrum1.76MUSDC2.35%8.37%4.45%
Euler-v2Arbitrum2.73MUSDC0%5.12%4.43%
ExactlyOptimism1.78MUSDC0%4.42%4.4%
WasabiSolana2.05MUSDC0%11.85%4.39%
Euler-v2Ethereum27.03MUSDC0%4.73%4.37%
Folks-finance-lendingAlgorand1.83MUSDC0%4.18%4.34%
Compound-v3Ethereum40.30MUSDC0.12%3.8%4.3%
Euler-v2Ethereum1.79MUSDC0%3.59%4.26%
Yearn-financeEthereum9.47MUSDC0%4.59%4.24%
ExactlyOptimism1.78MUSDC0%4.18%4.2%
ExactlyOptimism1.78MUSDC0%4.17%4.19%
Yearn-financeEthereum1.08MUSDC0%4.51%4.15%
Yearn-financeEthereum33.95MUSDC0%4.32%4.14%
Flux-financeEthereum1.58MUSDC0%4.13%4.13%
ExactlyOptimism1.78MUSDC0%4.4%4.11%
Moonwell-lendingBase8.75MUSDC0.71%5.33%4.07%
DolomiteArbitrum3.49MUSDC0%4.56%4.06%
Spark-savingsEthereum171.79MUSDC0%4%4%
Spark-savingsAvalanche218.02MUSDC0%4%4%
ExactlyOptimism1.78MUSDC0%3.96%3.99%
SparklendEthereum7.01MUSDC0%3.94%3.99%
VesperEthereum2.56MUSDC0%3.97%3.98%
ExactlyOptimism1.78MUSDC0%3.87%3.92%
ExactlyOptimism1.78MUSDC0%4.34%3.85%
ExactlyOptimism1.78MUSDC0%3.8%3.85%
ExactlyOptimism1.78MUSDC0%3.62%3.75%
Euler-v2Arbitrum1.85MUSDC0%6.1%3.75%
Aave-v3Avalanche17.46MUSDC0%3.63%3.72%
Aave-v3Ethereum1.12MUSDC0%3.35%3.68%
ExactlyOptimism1.78MUSDC0%3.2%3.61%
NeverlandMonad2.22MUSDC10.38%18.43%3.6%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum827.6M5.05%
Avalanche6246.2M5.29%
Base12188.7M7.18%
BSC000%
Ethereum282.3B6.77%
Hyperliquid111.1M4.86%
Mantle000%
Optimism1017.8M3.99%
Polygon22.6M3.94%
Solana418.1M8.02%
TON15.9M16.6%
zkSync Era000%