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
16/10/2026 20:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableMonad1.14MUSDC0%24.55%81.26%
Harvest-financeBase1.76MUSDC0%26.59%27.17%
VerantaBase9.66MUSDC0%19.24%20%
EnsuroEthereum1.30MUSDC0%21.57%19.27%
AccountableEthereum3.39MUSDC0%12.35%15.57%
AccountableEthereum1.05MUSDC0%14.99%14.25%
Vectis-financeEthereum1.80MUSDC0%13.86%13.71%
AccountableMonad6.55MUSDC1.14%15.62%13.29%
Ember-protocolEthereum1.64MUSDC0%12.93%12.93%
Ember-protocolEthereum2.63MUSDC0%13.06%12.9%
AccountableEthereum12.06MUSDC0%12.28%12.13%
Rhea-lendNear1.72MUSDC0%8.86%11.93%
AccountableMonad5.44MUSDC0.37%12.11%11.64%
AccountableEthereum1.79MUSDC0%13.86%10.7%
Pareto-creditEthereum11.10MUSDC0%10.59%10.59%
AccountableEthereum2.46MUSDC11.31%31.96%10.43%
Ember-protocolSui1.02MUSDC0%11.5%10.4%
Midas-rwaEthereum26.36MUSDC0%8.59%10.21%
Ember-protocolSui10.10MUSDC0%10.13%10.03%
AguaEthereum11.51MUSDC0%10%10%
AguaMonad9.07MUSDC0%10%10%
AccountableMonad74.99MUSDC0.29%11.27%9.5%
Midas-rwaEthereum7.92MUSDC0%6.97%9.46%
Ember-protocolEthereum3.67MUSDC0%9.58%9.43%
Pareto-creditEthereum2.01MUSDC0%9.38%9.38%
Nawa-protocolZIGChain3.46MUSDC0%10.02%9.32%
Aave-v4Ethereum1.84MUSDC0%5.1%9.04%
Ember-protocolEthereum18MUSDC0%11.37%9.03%
Neutral-tradeSolana1.24MUSDC0%8.22%8.89%
Kamino-lendSolana52.64MUSDC0%8.05%8.29%
Pareto-creditEthereum127.74MUSDC0%7.94%8.06%
Ember-protocolSui8.50MUSDC4%12%8%
Jupiter-lendSolana475.54MUSDC0%5.54%7.84%
Kamino-lendSolana7.29MUSDC0%7.68%7.66%
Coinmerce-capitalHyperliquid L11.74MUSDC0%6.48%7.64%
Extra-finance-leverage-farmingBase3.11MUSDC0%6.64%7.51%
Neutral-tradeSolana2.02MUSDC0%11.13%7.5%
Sentora-curatorEthereum97.08MUSDC0%7.59%7.47%
Vectis-financeSolana2.71MUSDC0%6.78%7.41%
Midas-rwaEthereum65.93MUSDC0%7.51%7.37%
Loopscale-lendingSolana1.04MUSDC0.12%6.91%7.21%
Kamino-lendSolana1.39MUSDC0%7.19%7.13%
Hyperlend-pooledHyperliquid L14.20MUSDC0%4.48%7.09%
Blend-pools-v2Stellar10.67MUSDC0%7.3%7.07%
Kamino-lendSolana5.74MUSDC0%5.18%7.05%
Yearn-financeEthereum7.45MUSDC0%6.87%7.04%
AccountableMonad2.18MUSDC0.43%7.54%7.03%
Zerobase-cedefiBase10.53MUSDC2%9%7%
Euler-v2Monad3.65MUSDC1.25%7.82%6.97%
Harvest-financeBase1.07MUSDC0%7%6.87%
Neutral-tradeSolana1.36MUSDC0%56.16%6.77%
Zerobase-cedefiBSC1.92MUSDC2%8.76%6.76%
Midas-rwaEthereum3.40MUSDC0%6.99%6.72%
Midas-rwaEthereum1.44MUSDC0%6.98%6.72%
Kamino-lendSolana19.94MUSDC0%7.2%6.66%
Pareto-creditEthereum22.09MUSDC0%6.62%6.62%
Kamino-lendSolana4.84MUSDC0.01%5.95%6.57%
Kamino-lendSolana2.06MUSDC0.03%6.7%6.44%
Kamino-lendSolana1.59MUSDC0%6.31%6.43%
Harmonix-financeHyperliquid L114.94MUSDC0%6.3%6.4%
Fluid-lendingArbitrum57.85MUSDC0%5.02%6.39%
Midas-rwaEthereum29.55MUSDC0%7.32%6.38%
Yearn-financeEthereum11.59MUSDC0%6.72%6.38%
Kamino-lendSolana2.56MUSDC0%6.83%6.34%
Midas-rwaBase51.54MUSDC0%4.74%6.2%
Midas-rwaRobinhood Chain36.04MUSDC0%4.74%6.2%
Kamino-lendSolana1.75MUSDC0%5.52%6.19%
AccountableMonad6.67MUSDC0.44%5.86%6.13%
Midas-rwaEthereum34.06MUSDC0%6.33%6.1%
Kamino-lendSolana10.72MUSDC0.36%6.44%5.99%
Aave-v3Avalanche5.26MUSDC0%5.59%5.96%
Fluid-lendingEthereum133.19MUSDC0%5.12%5.95%
Kamino-lendSolana8.51MUSDC0.13%6.64%5.88%
Kamino-lendSolana1.39MUSDC0%6.43%5.86%
Kamino-lendSolana1.38MUSDC0.1%6.06%5.85%
Gains-networkArbitrum4.27MUSDC0%30.94%5.75%
Kamino-lendSolana59.27MUSDC0.05%5.73%5.72%
Alchemix-v3Ethereum7.91MUSDC0%5.32%5.71%
Harvest-financeEthereum1.16MUSDC0%6.16%5.63%
Ember-protocolSui8.76MUSDC0%11.94%5.61%
Ember-protocolEthereum6.08MUSDC0%10.91%5.61%
Fusion-by-iporEthereum1.28MUSDC0%6.26%5.6%
SymbiosisEthereum1.11MUSDC0%4.23%5.6%
SymbioticEthereum1.01MUSDC0%6.16%5.6%
Kamino-lendSolana1.10MUSDC0.13%5.75%5.58%
AutofinanceEthereum7.52MUSDC0.8%6.25%5.26%
Benqi-lendingAvalanche2.10MUSDC0%6.98%5.21%
Navi-lendingSui7.59MUSDC0.55%5.37%5.14%
Compound-v3Ethereum36.11MUSDC0%4.76%5.14%
Yearn-financeBase1.52MUSDC0%4.85%4.88%
Fusion-by-iporBase2.92MUSDC0%4.6%4.84%
DolomiteArbitrum1.14MUSDC0%4.61%4.77%
Kamino-lendSolana1.69MUSDC0%5.25%4.73%
Yo-protocolBase7.71MUSDC0%4.36%4.65%
Yo-protocolEthereum1.49MUSDC0%4.36%4.65%
TydroInk11.91MUSDC0%4.23%4.58%
Fusion-by-iporBase1.07MUSDC1.81%6.35%4.55%
Fluid-lendingBase10.90MUSDC3.2%7.77%4.41%
Ember-protocolEthereum2.05MUSDC0%4.39%4.39%
ExactlyOP Mainnet1.56MUSDC0%4.34%4.34%
CurvanceMonad3.18MUSDC1.8%6.1%4.3%
ExactlyOP Mainnet1.56MUSDC0%4.29%4.3%
Yearn-financeEthereum2.40MUSDC0%4.14%4.27%
AutofinanceBase3.51MUSDC4.21%9.99%4.27%
Neutral-tradeSolana4.33MUSDC0%13.65%4.25%
ExactlyOP Mainnet1.56MUSDC0%4.23%4.25%
ExactlyOP Mainnet1.56MUSDC0%4.19%4.22%
ExactlyOP Mainnet1.56MUSDC0%4.34%4.16%
Venus-core-poolBSC6.60MUSDC0%3.8%4.14%
Flux-financeEthereum1.60MUSDC0%4.14%4.14%
Aave-v3Monad17.09MUSDC1.5%6.12%4.12%
ExactlyOP Mainnet1.56MUSDC0%4.28%4.11%
ExactlyOP Mainnet1.56MUSDC0%4.05%4.02%
ExactlyOP Mainnet1.56MUSDC0%2.58%4.02%
ExactlyOP Mainnet1.56MUSDC0%3.79%3.94%
ExactlyOP Mainnet1.56MUSDC0%4.06%3.92%
Aave-v3Base18.65MUSDC2.49%4.27%3.91%
Midas-rwaEthereum6.45MUSDC0%3.71%3.91%
Midas-rwaEtherlink1.13MUSDC0%3.68%3.91%
Gami-labsBase3.03MUSDC0%3.57%3.91%
Spectra-metavaultsBase3.03MUSDC0%3.57%3.91%
Native-credit-poolEthereum1.14MUSDC0%4.22%3.88%
Spark-savingsEthereum300.85MUSDC0%3.66%3.8%
Spark-savingsAvalanche1.99MUSDC0%3.66%3.8%
SaveSolana4.01MUSDC0%3.15%3.77%
Aave-v3Ethereum159.13MUSDC0%4.34%3.75%
Aave-v3Ethereum53.54MUSDC1.82%5.93%3.75%
Yearn-financeEthereum19.47MUSDC0%3.65%3.69%
Yearn-financeEthereum1.12MUSDC0%3.43%3.64%
Centrifuge-protocolAvalanche263.06MUSDC0%3.8%3.63%
Centrifuge-protocolBase22.76MUSDC0%3.79%3.63%
Centrifuge-protocolBSC1.02MUSDC0%3.78%3.63%
Centrifuge-protocolEthereum9.31MUSDC0%3.73%3.63%
Echelon-marketAptos1.34MUSDC2.81%5.83%3.6%
SparklendEthereum4.74MUSDC0%3.4%3.56%
Kamino-lendSolana1.31MUSDC0%2.7%3.51%
Midas-rwaEthereum1.72MUSDC0%7.87%3.5%
Midas-rwaEthereum74.91MUSDC0%3.33%3.42%
Midas-rwaEtherlink1.22MUSDC0%3.33%3.42%
Aave-v3BSC1.71MUSDC0%3.29%3.41%
Aave-v3Ethereum1.26MUSDC0%3.25%3.21%
Aave-v3Polygon10.10MUSDC0%3.07%3.2%
DolomiteEthereum32.87MUSDC3.86%7.43%3.16%
Kamino-lendSolana6.31MUSDC5.44%8.62%3.16%
Compound-v3Arbitrum1.90MUSDC0%3.02%3.13%
Centrifuge-protocolBase6.56MUSDC0%3.96%2.97%
Centrifuge-protocolPharos4.56MUSDC0%3.64%2.97%
Centrifuge-protocolBSC1.02MUSDC0%3.64%2.97%
SymbioticEthereum1.01MUSDC0%3.15%2.53%
SymbioticEthereum1.01MUSDC0%3.15%2.53%
Aave-v3Arbitrum54.81MUSDC0%3.12%2.26%
CurrentSui22.58MUSDC4.92%8.04%1.92%
Lista-lendingEthereum4.49MUSDC5.99%7.05%1.4%
ExactlyOP Mainnet1.56MUSDC0%1.08%1.06%
Midas-rwaEtherlink4.95MUSDC0%5.15%0.8%
Aave-v4Avalanche6.50MUSDC0%4.68%0.55%
TectonicCronos1.51MUSDC0.02%0.5%0.4%
CredixSolana13.41MUSDC0%0.06%0.03%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum7132.7M4.52%
Avalanche7289M3.28%
Base17159.3M7.1%
BSC13119.5M4.4%
Ethereum743.5B6.17%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon211.1M3.56%
Solana31717.7M5.82%
TON12.7M3.68%
zkSync Era000%