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 % on ). 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
21/08/2026 07:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Neutral-tradeSolana2.24MUSDC0%53.27%78.26%
Centrifuge-protocolMonad10.07MUSDC0%2.59%20.44%
AccountableMonad7.50MUSDC1.23%25.29%20.07%
Centrifuge-protocolPlume Mainnet20.78MUSDC0%2.8%20.01%
EnsuroEthereum1.07MUSDC0%20.3%19.63%
Nawa-protocolZIGChain3.42MUSDC0%9.6%18.99%
AccountableEthereum1.01MUSDC1.25%14.84%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
AccountableMonad99.97MUSDC0.37%16.27%13.6%
Ember-protocolEthereum7.04MUSDC0%12.88%12.9%
Midas-rwaEtherlink4.82MUSDC0%9.15%11.7%
AccountableEthereum10.15MUSDC0%11.64%11.64%
AccountableMonad5.04MUSDC0.5%12.14%11.64%
AccountableEthereum3.29MUSDC0%10.63%11.56%
AccountableEthereum3.92MUSDC9.87%23.62%10.8%
Pareto-creditEthereum15.29MUSDC0%10.59%10.58%
Ember-protocolEthereum16.92MUSDC0%7.21%10.55%
Ember-protocolEthereum5.94MUSDC0%8.74%10.45%
GoldfinchEthereum35.95MUSDC0%10.2%10.21%
Ember-protocolSui7.06MUSDC0%9.77%10.16%
Harvest-financeBase1.86MUSDC0%10.94%10.03%
AguaEthereum8.88MUSDC0%10%10%
Ember-protocolEthereum3.36MUSDC0%9.55%9.91%
Midas-rwaEthereum1.74MUSDC0%10.91%9.85%
Pareto-creditEthereum2.17MUSDC0%9.38%9.38%
Midas-rwaEthereum6.40MUSDC0%8.67%9.23%
Midas-rwaEtherlink1.12MUSDC0%8.68%9.23%
Bracket-vaultsEthereum1.65MUSDC0%9.3%9.18%
YieldseekerBase1.12MUSDC0%9.31%8.99%
Euler-v2Monad1.24MUSDC1.25%10.29%8.86%
Midas-rwaEthereum71.10MUSDC0%10.15%8.71%
LazyEthereum1.19MUSDC0%6.9%8.34%
Midas-rwaEthereum7.85MUSDC0%9.38%8.26%
Pareto-creditEthereum168.47MUSDC0%8.14%8.02%
Ember-protocolSui9.61MUSDC4%12%8%
Ember-protocolSui1.88MUSDC0%5.83%7.74%
Midas-rwaEthereum6.69MUSDC0%7.34%7.42%
Midas-rwaEthereum2.51MUSDC0%7.35%7.42%
AccountableMonad1.26MUSDC0.5%7.76%7.28%
SentoraEthereum46.67MUSDC0%6.84%7.27%
Pareto-creditEthereum21.91MUSDC0%7.13%7.13%
Ember-protocolSui1.41MUSDC0%9.63%7.12%
Zerobase-cedefiBase1.54MUSDC2%9%7%
Yearn-financeEthereum8.56MUSDC0%6.04%6.98%
Neutral-tradeSolana2.14MUSDC0%5.18%6.93%
Compound-v3Ethereum30.55MUSDC0.11%3.57%6.92%
Extra-finance-leverage-farmingBase3.40MUSDC0%6.97%6.9%
LoopscaleSolana2.21MUSDC0.3%7.03%6.77%
Zerobase-cedefiBSC2.02MUSDC2%8.76%6.76%
Yo-protocolBase1.08MUSDC0%6.76%6.66%
CurvanceMonad1.04MUSDC2.7%9.35%6.56%
Ember-protocolSui1.07MUSDC0%8.74%6.54%
Yearn-financeEthereum6.83MUSDC0%7%6.53%
Blend-pools-v2Stellar14.72MUSDC0%7.02%6.37%
Kamino-lendSolana6.03MUSDC0%6.73%6.17%
AccountableMonad9.93MUSDC0.5%8.22%6.15%
Harmonix-financeHyperliquid L121.96MUSDC0%6.64%6.13%
Yearn-financeEthereum1.19MUSDC0%6.34%6.02%
Centrifuge-protocolAvalanche261.44MUSDC0%5.11%5.77%
Centrifuge-protocolBase50.41MUSDC0%5.11%5.77%
Centrifuge-protocolEthereum5.71MUSDC0%5.09%5.77%
Midas-rwaEthereum37.44MUSDC0%8.63%5.73%
Hyperlend-pooledHyperliquid L113.73MUSDC0%6.99%5.7%
AvantisBase18.21MUSDC0%8.88%5.64%
AutofinanceBase7.56MUSDC2.09%8.1%5.4%
AutofinanceEthereum7.09MUSDC0.73%5.98%5.37%
Kamino-lendSolana2.56MUSDC0%5.08%5.31%
Navi-lendingSui5.80MUSDC0.54%5.41%5.2%
LoopscaleSolana1.71MUSDC0%4.87%5%
Yearn-financeBase1.82MUSDC0%4.92%4.97%
Ember-protocolSui1.16MUSDC3.37%11.06%4.8%
Gains-networkArbitrum5.41MUSDC0%4.14%4.79%
Kamino-lendSolana6.78MUSDC0%4.16%4.7%
Kamino-lendSolana1.15MUSDC0%4.58%4.69%
Fluid-lendingBase9.32MUSDC0%5.23%4.66%
Fluid-lendingEthereum151.97MUSDC0%5.17%4.63%
Fluid-lendingEthereum5.01MUSDC0%5.17%4.63%
Alchemix-v3Ethereum7.78MUSDC0%4.51%4.53%
Fluid-lendingArbitrum45.52MUSDC0%5%4.52%
Harvest-financeEthereum1.15MUSDC0%6.53%4.51%
Native-credit-poolEthereum1.17MUSDC0%4.34%4.5%
Benqi-lendingAvalanche3.44MUSDC0%4.23%4.45%
DolomiteArbitrum1.21MUSDC0%4.26%4.38%
ExactlyOP Mainnet1.64MUSDC0%4.35%4.37%
ExactlyOP Mainnet1.64MUSDC0%4.29%4.31%
ExactlyOP Mainnet1.64MUSDC0%4.23%4.27%
ExactlyOP Mainnet1.64MUSDC0%4.19%4.21%
ExactlyOP Mainnet1.64MUSDC0%4.15%4.2%
Ember-protocolSui1.20MUSDC0%3.5%4.18%
Moonwell-lendingBase1.94MUSDC0.07%6.87%4.15%
ExactlyOP Mainnet1.64MUSDC0%4.1%4.15%
Aave-v3Avalanche5.15MUSDC0%3.72%4.11%
ExactlyOP Mainnet1.64MUSDC0%3.9%4.06%
ExactlyOP Mainnet1.64MUSDC0%4.06%4.03%
TermmaxEthereum3.35MUSDC0%4.05%4.03%
Yo-protocolBase9.48MUSDC0%4.23%3.93%
Yo-protocolEthereum1.51MUSDC0%4.23%3.93%
AmpleBase4.34MUSDC0%4.08%3.89%
ExactlyOP Mainnet1.64MUSDC0%3.57%3.87%
Midas-rwaEthereum3.49MUSDC0%4.66%3.78%
Flux-financeEthereum2.59MUSDC0%3.73%3.73%
Yearn-financeEthereum2.43MUSDC0%3.53%3.67%
ExactlyOP Mainnet1.64MUSDC0%2.61%3.65%
SymbiosisEthereum1.57MUSDC0%4.86%3.64%
Centrifuge-protocolMonad4.54MUSDC0%3.66%3.61%
Centrifuge-protocolPharos4.39MUSDC0%3.66%3.61%
Spark-savingsEthereum269.33MUSDC0%3.52%3.52%
Spark-savingsAvalanche12.05MUSDC0%3.52%3.52%
SparklendEthereum1.74MUSDC0%3.48%3.47%
Jupiter-lendSolana443.67MUSDC0.68%4.96%3.46%
Aave-v3Base22.24MUSDC0%3.46%3.45%
Midas-rwaEthereum65.04MUSDC0%3.21%3.44%
Midas-rwaEtherlink1.22MUSDC0%3.23%3.44%
Yearn-financeEthereum25.61MUSDC0%3.3%3.38%
Ember-protocolEthereum2.03MUSDC0%2.17%3.37%
DolomiteEthereum28.95MUSDC4.45%7.47%3.31%
Aave-v3Ethereum179.55MUSDC0%3.75%3.3%
Aave-v3Ethereum65.69MUSDC1.48%5.51%3.3%
Aave-v3Monad12.95MUSDC2.03%6.44%3.28%
Project-0Solana1.97MUSDC0%4.72%3.16%
Kamino-lendSolana1.34MUSDC0%4.72%3.12%
Euler-v2Ethereum8.14MUSDC0%3.11%3.01%
TydroInk2.30MUSDC0%1.8%3.01%
Euler-v2Ethereum7.88MUSDC0%4.42%2.84%
Centrifuge-protocolEthereum1.67MUSDC0%1.17%2.83%
Spectra-metavaultsBase3.02MUSDC0%2.61%2.83%
Gami-labsBase3.02MUSDC0%2.61%2.83%
Aave-v3Ethereum1.68MUSDC0%3.04%2.79%
Compound-v3Arbitrum3.52MUSDC0%2.73%2.77%
Aave-v3BSC2.35MUSDC0%2.99%2.75%
CurvanceMonad2.36MUSDC2.7%5.25%2.72%
Aave-v3Polygon12.74MUSDC0%2.77%2.71%
Aave-v3Ethereum1.56MUSDC0%2.14%2.64%
LoopscaleSolana1.70MUSDC6.83%8.12%2.6%
Aave-v3Arbitrum35.86MUSDC0%2.49%2.48%
Aave-v3OP Mainnet2.60MUSDC0%3.02%2.4%
SaveSolana6.22MUSDC0%2.37%2.32%
Midas-rwaEthereum26.21MUSDC0%5.39%2.04%
CurrentSui10.32MUSDC8.01%9.42%2%
Echelon-marketAptos1.57MUSDC1.49%3.78%1.97%
NeverlandMonad1.91MUSDC7.77%6.49%1.86%
Aave-v3Sonic1.18MUSDC0%1.93%1.85%
Venus-core-poolBSC23.47MUSDC0%2.61%1.81%
Aave-v4Ethereum1.12MUSDC0%1.54%1.61%
ExactlyOP Mainnet1.64MUSDC0%0.99%0.96%
Zest-v2Stacks11.34MUSDC0%0.5%0.57%
Lista-lendingEthereum3.29MUSDC7.01%6.35%0.2%
Aave-v4Avalanche4.61MUSDC0%0.4%0.17%
TectonicCronos54.13MUSDC0%0.12%0.12%
CredixSolana13.48MUSDC0%0.07%0.04%
AcrossEthereum1.09MUSDC4.23%4.48%0.04%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum7103M4.09%
Avalanche6288.6M3.9%
Base16140.4M5.44%
BSC15189.4M3.19%
Ethereum773.6B5.6%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon214.1M2.79%
Solana17516M8.3%
TON13.1M5.47%
zkSync Era000%