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 13 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
15/01/2026 05:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum4.86MUSDC0%39.43%35.57%
Hatom-lendingMultiversX1.27MUSDC0.33%21%18.74%
Bracket-vaultsEthereum8MUSDC0%16.32%15.67%
FranciumSolana2.44MUSDC0%13.15%13.15%
Blend-pools-v2Stellar1.29MUSDC0.72%15.19%13.07%
AvantisBase100.05MUSDC0%10.42%12.82%
Blend-pools-v2Stellar5.61MUSDC0%13.37%11.83%
Gains-networkBase1.36MUSDC0%6.94%10.38%
LiqwidCardano2.43MUSDC1.58%11.45%10.24%
WasabiSolana2.30MUSDC0%11.15%10.17%
GoldfinchEthereum37.74MUSDC0%10.01%10.01%
AutofinanceEthereum7.63MUSDC1.12%7.7%8.65%
LoopscaleSolana4.38MUSDC0.82%9.97%7.81%
WasabiBase10.22MUSDC0%8.96%7.62%
Yo-protocolBase25.51MUSDC0%6.98%7.09%
Woofi-earnArbitrum1.23MUSDC0%7.62%6.94%
Extra-finance-leverage-farmingBase5.98MUSDC0.11%7%6.91%
Euler-v2Avalanche2.17MUSDC0%8.79%6.81%
Ipor-fusionBase1.98MUSDC0%7.42%6.65%
DeltaprimeAvalanche1.90MUSDC0%7.22%6.63%
Harvest-financeBase1.11MUSDC0%6.29%6.34%
DeltaprimeArbitrum1.08MUSDC0%8.21%6.21%
LoopscaleSolana11.43MUSDC0%6.76%6.15%
GearboxMonad2.81MUSDC4.4%8.88%6.14%
Harvest-financeBase3.51MUSDC0%7.03%6.08%
Scallop-lendSui1.66MUSDC0%5.75%6.01%
AutofinanceBase24.37MUSDC2.21%8.58%5.99%
Euler-v2Arbitrum1.16MUSDC0%6.29%5.9%
Gains-networkArbitrum14.17MUSDC0%10.74%5.88%
Harvest-financeBase1.73MUSDC0%5.36%5.77%
SaveSolana6.88MUSDC0%5.81%5.73%
Hyperlend-pooledHyperliquid9.17MUSDC0%5.31%5.5%
DolomiteArbitrum2.36MUSDC0%4.68%5.2%
Echelon-marketAptos13.60MUSDC0%4.83%5.2%
Ipor-fusionBase1.73MUSDC0%5.2%5.14%
Euler-v2Ethereum1.33MUSDC0%3.38%5.12%
Harvest-financeBase1.32MUSDC0%5.39%5.04%
TermmaxEthereum1.06MUSDC0%4.47%4.96%
TermmaxEthereum1.06MUSDC0%4.47%4.96%
Harmonix-financeArbitrum1.59MUSDC0%5.29%4.89%
Benqi-lendingAvalanche5.95MUSDC0%4.63%4.82%
Euler-v2Arbitrum1.60MUSDC0%5.9%4.79%
Euler-v2Ethereum23.22MUSDC0%4.85%4.76%
Harvest-financeEthereum1.07MUSDC0%5.17%4.72%
Euler-v2Ethereum29.62MUSDC0%4.58%4.68%
Yearn-financeBase2.34MUSDC0%5.34%4.64%
Yearn-financeEthereum1.32MUSDC0%4.01%4.6%
Navi-lendingSui16.57MUSDC1.27%5.3%4.59%
Yearn-financeEthereum2.31MUSDC0%4.72%4.49%
ExactlyOptimism1.79MUSDC0%4.43%4.41%
Folks-finance-lendingAlgorand1.90MUSDC0%4.16%4.29%
AutofinanceArbitrum2.82MUSDC2.41%8.81%4.27%
Moonwell-lendingBase8.15MUSDC0.82%5.43%4.24%
Yearn-financeEthereum1.07MUSDC0%4.61%4.24%
ExactlyOptimism1.79MUSDC0%4.18%4.19%
ExactlyOptimism1.79MUSDC0%4.17%4.18%
Yearn-financeEthereum33.71MUSDC0%4.44%4.17%
Flux-financeEthereum1.57MUSDC0%4.13%4.13%
ExactlyOptimism1.79MUSDC0%4.48%4.12%
ExactlyOptimism1.79MUSDC0%4.42%4.11%
VesperEthereum2.56MUSDC0%3.95%4.04%
Spark-savingsEthereum171.95MUSDC0%4%4%
Spark-savingsAvalanche216.26MUSDC0%4%4%
ExactlyOptimism1.79MUSDC0%3.95%3.98%
ExactlyOptimism1.79MUSDC0%3.86%3.91%
Aave-v3Avalanche14.86MUSDC0%3.53%3.89%
SparklendEthereum7.79MUSDC0%3.95%3.84%
ExactlyOptimism1.79MUSDC0%3.78%3.83%
ExactlyOptimism1.79MUSDC0%3.42%3.72%
NeverlandMonad2.01MUSDC11.73%19.11%3.59%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum826M5.51%
Avalanche5241.1M5.23%
Base14189.4M6.76%
BSC000%
Ethereum272.4B6.53%
Hyperliquid19.2M5.5%
Mantle000%
Optimism916.1M4.05%
Polygon000%
Solana629.3M8.02%
TON15.9M14.39%
zkSync Era000%