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 3.60% on Feb 02 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
04/02/2026 00:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Gains-networkArbitrum13.14MUSDC0%8.66%19.55%
Blend-pools-v2Stellar1.23MUSDC0.8%14.09%15.19%
Bracket-vaultsEthereum3.63MUSDC0%15.39%14.75%
Gains-networkBase2.34MUSDC0%10.9%13.87%
FranciumSolana2.44MUSDC0%13.15%13.15%
WasabiBase9.37MUSDC0%7.44%12.9%
Aave-v3Base3.23MUSDC0%3.68%12.62%
Ipor-fusionBase1.51MUSDC0%4.93%12.06%
Harvest-financeBase1.52MUSDC0%4.8%11.99%
Harvest-financeBase1.51MUSDC0%5.3%11.84%
Blend-pools-v2Stellar6.06MUSDC0%12.44%11.4%
LiqwidCardano2.04MUSDC1.58%12.69%11.13%
AvantisBase93.16MUSDC0%11.1%10.48%
GoldfinchEthereum37.74MUSDC0%10.01%10.01%
Euler-v2Avalanche1.14MUSDC0%8.66%9.46%
AutofinanceEthereum20.23MUSDC0.39%8.78%8.54%
WasabiSolana1.36MUSDC0%8.69%7.32%
DeltaprimeAvalanche1.70MUSDC0%7%7.24%
Woofi-earnArbitrum1.16MUSDC0%7.1%7.16%
Hyperlend-pooledHyperliquid7.48MUSDC0%5.67%6.57%
Yo-protocolBase28.91MUSDC14%9.27%6.49%
LoopscaleSolana5.63MUSDC0.56%8.9%6.39%
Extra-finance-leverage-farmingBase5.20MUSDC0.12%6.52%5.93%
Harvest-financeBase3.14MUSDC0%6.41%5.92%
Harmonix-financeArbitrum1.30MUSDC0%5.08%5.63%
Scallop-lendSui1.75MUSDC0%5.69%5.56%
Ipor-fusionBase1.86MUSDC0%7.62%5.49%
AutofinanceBase22.76MUSDC1.52%7.8%5.29%
LoopscaleSolana13.43MUSDC0%6.18%5.25%
SymbiosisEthereum1.09MUSDC0%4.96%5.09%
SymbiosisEthereum1.09MUSDC0%4.96%5.09%
Euler-v2Ethereum21.86MUSDC0%4.72%5.06%
Euler-v2Ethereum35.73MUSDC0%4.6%4.95%
DolomiteArbitrum2.68MUSDC0%4.78%4.91%
VesperEthereum2.43MUSDC0%4.29%4.85%
AutofinanceEthereum8.70MUSDC0%2%4.73%
Folks-finance-lendingAlgorand1.55MUSDC0%4.33%4.59%
Takara-lendSei1.19MUSDC3.71%8.33%4.58%
ExactlyOptimism1.80MUSDC0%4.4%4.38%
Moar-marketAptos2.04MUSDC4.93%15.87%4.35%
AutofinanceArbitrum1.32MUSDC2.06%7.02%4.31%
Ipor-fusionEthereum6.37MUSDC0%6.63%4.22%
ExactlyOptimism1.80MUSDC0%4.2%4.22%
ExactlyOptimism1.80MUSDC0%4.19%4.22%
Kamino-lendSolana13.34MUSDC0%2.96%4.21%
Flux-financeEthereum1.46MUSDC0%4.14%4.19%
Fluid-lendingEthereum309.80MUSDC1.01%4.85%4.1%
Fluid-lendingEthereum3.04MUSDC0%3.71%4.1%
Benqi-lendingAvalanche7.11MUSDC0%4.85%4.09%
ExactlyOptimism1.80MUSDC0%4%4.05%
Spark-savingsEthereum162.57MUSDC0%4%4%
Spark-savingsAvalanche103.03MUSDC0%4%4%
Lazy-summer-protocolBase4.30MUSDC0.43%3.39%4%
ExactlyOptimism1.80MUSDC0%3.93%3.99%
Navi-lendingSui11.90MUSDC0.81%5.66%3.94%
NeverlandMonad2.92MUSDC9.2%15.82%3.89%
DolomiteEthereum16.15MUSDC0%3.68%3.89%
ExactlyOptimism1.80MUSDC0%3.85%3.89%
Echelon-marketAptos14.71MUSDC0%4.73%3.89%
Aave-v3Ethereum10.36MUSDC0%4.22%3.87%
ExactlyOptimism1.80MUSDC0%3.76%3.86%
Yearn-financeEthereum33.24MUSDC0%4.81%3.65%
ExactlyOptimism1.80MUSDC0%3.53%3.62%
Aave-v3Ethereum577.45MUSDC0%3.66%3.62%
ExactlyOptimism1.80MUSDC0%3.84%3.6%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum519.6M8.31%
Avalanche4113M6.2%
Base13178.8M9.15%
BSC000%
Ethereum263.1B5.45%
Hyperliquid17.5M6.57%
Mantle000%
Optimism916.2M3.98%
Polygon12M4.1%
Solana638.5M6.66%
TON15.8M6.8%
zkSync Era000%