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
09/10/2026 17:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Neutral-tradeSolana2.26MUSDC0%48.24%48.32%
AccountableMonad1.14MUSDC0%21.01%46.27%
Neutral-tradeSolana1.40MUSDC0%68.59%32.28%
Harvest-financeBase1.82MUSDC0%50.06%24.78%
EnsuroEthereum1.29MUSDC0%21.41%21.92%
VerantaBase9.62MUSDC0%19.45%17.71%
AccountableEthereum1.05MUSDC0.75%14.84%14.25%
AccountableMonad7.50MUSDC0.93%16.45%14.21%
AccountableEthereum2.33MUSDC11.91%36.87%13.08%
Ember-protocolEthereum1.64MUSDC0%12.01%12.93%
Ember-protocolEthereum2.63MUSDC0%12.98%12.9%
AccountableEthereum3.40MUSDC0%10.95%12.82%
Vectis-financeEthereum1.25MUSDC0%10.71%12.58%
AccountableEthereum11.06MUSDC0%12.37%12.13%
AccountableMonad5.44MUSDC0.46%12.1%11.64%
Neutral-tradeSolana4.26MUSDC0%13.38%10.85%
Ember-protocolEthereum5.75MUSDC0%10.78%10.78%
Pareto-creditEthereum11.09MUSDC0%10.59%10.59%
AccountableMonad74.97MUSDC0.31%11.62%10.5%
Ember-protocolSui9.94MUSDC0%10.13%10.16%
AguaEthereum7.99MUSDC0%10%10%
Neutral-tradeSolana2.45MUSDC0%12.83%9.76%
Ember-protocolEthereum3.70MUSDC0%9.59%9.51%
Pareto-creditEthereum1.98MUSDC0%9.38%9.38%
Nawa-protocolZIGChain3.45MUSDC0%10.02%9.33%
AccountableEthereum1.25MUSDC0%14.63%9.29%
Aave-v3Avalanche2.60MUSDC0%5.33%9.21%
Midas-rwaEthereum31.30MUSDC0%7.2%8.38%
Pareto-creditEthereum127.24MUSDC0%7.88%8.06%
Ember-protocolSui8.89MUSDC4%12%8%
Rhea-lendNear1.89MUSDC0%7.61%7.88%
Sentora-curatorEthereum95.72MUSDC0%7.41%7.65%
Coinmerce-capitalHyperliquid L11.74MUSDC0%5.32%7.64%
Midas-rwaEthereum65.76MUSDC0%7.54%7.55%
Midas-rwaEthereum6.67MUSDC0%6.72%7.51%
Neutral-tradeSolana1.39MUSDC0%8.89%7.47%
AccountableMonad2.16MUSDC0.5%7.41%7.28%
Ember-protocolEthereum17.77MUSDC0%11.23%7.07%
Extra-finance-leverage-farmingBase3.30MUSDC0%6.4%7.06%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Yearn-financeEthereum7.61MUSDC0%6.88%6.95%
Yearn-financeEthereum12.01MUSDC0%6.69%6.93%
Midas-rwaEthereum3.91MUSDC0%7.21%6.76%
Midas-rwaEthereum2.52MUSDC0%7.2%6.76%
Zerobase-cedefiBSC1.93MUSDC2%8.76%6.76%
Blend-pools-v2Stellar11.42MUSDC0%7.44%6.68%
Loopscale-lendingSolana1.18MUSDC0.11%6.94%6.66%
Fluid-lendingEthereum137.04MUSDC0%4.56%6.62%
Vectis-financeSolana3.22MUSDC0%6.73%6.62%
Pareto-creditEthereum22.09MUSDC0%6.62%6.62%
Harvest-financeBase1.20MUSDC0%7.18%6.6%
Kamino-lendSolana5.57MUSDC0%6.57%6.57%
Euler-v2Monad5.79MUSDC1.25%7.62%6.56%
Midas-rwaEthereum26.25MUSDC0%8.93%6.48%
Centrifuge-protocolAvalanche262.82MUSDC0%3.75%6.28%
Centrifuge-protocolBase22.74MUSDC0%3.74%6.28%
Centrifuge-protocolBSC1.02MUSDC0%3.74%6.28%
Centrifuge-protocolEthereum9.31MUSDC0%3.7%6.28%
Kamino-lendSolana1.89MUSDC0%5.03%6.26%
Fluid-lendingArbitrum55.30MUSDC0%4.58%6.2%
Midas-rwaBase51.54MUSDC0%3.48%6.2%
Midas-rwaRobinhood Chain36.04MUSDC0%3.54%6.2%
Aave-v4Ethereum2.19MUSDC0%4.9%6.2%
Benqi-lendingAvalanche1.61MUSDC0%6.46%6.17%
Fusion-by-iporEthereum1.28MUSDC0%6.16%6.16%
Midas-rwaEthereum34.06MUSDC0%6.53%6.1%
Harmonix-financeHyperliquid L116.19MUSDC0%6.52%5.98%
Midas-rwaEtherlink4.95MUSDC0%4.93%5.87%
Harvest-financeEthereum1.16MUSDC0%6.19%5.71%
AutofinanceEthereum7.63MUSDC0.93%6.24%5.62%
AccountableMonad6.68MUSDC0.5%5.67%5.51%
Alchemix-v3Ethereum7.81MUSDC0%5.33%5.28%
Fluid-lendingBase12.42MUSDC3.4%6.83%5.25%
SymbioticEthereum1.01MUSDC0%6.2%5.22%
SymbioticEthereum1.01MUSDC0%6.2%5.22%
SymbiosisEthereum1.09MUSDC0%4.58%5.09%
Kamino-lendSolana1.57MUSDC0%5.18%5%
Jupiter-lendSolana501.03MUSDC0.36%4.23%4.95%
Yearn-financeBase1.61MUSDC0%4.89%4.86%
Navi-lendingSui9.78MUSDC0.58%5.24%4.7%
Fusion-by-iporBase2.91MUSDC0%5.41%4.66%
Gains-networkArbitrum4.28MUSDC0%36.3%4.54%
Midas-rwaEthereum1.72MUSDC0%8.66%4.53%
Aave-v3Arbitrum15MUSDC0%3.09%4.49%
Yo-protocolBase7.91MUSDC0%4.29%4.48%
Yo-protocolEthereum1.35MUSDC0%4.29%4.48%
Kamino-lendSolana10.43MUSDC0%4.76%4.47%
Kamino-lendSolana1.44MUSDC0%4.38%4.42%
Midas-rwaEthereum6.44MUSDC0%3.53%4.4%
Midas-rwaEtherlink1.13MUSDC0%3.5%4.4%
Compound-v3Ethereum36.89MUSDC0%4.55%4.35%
ExactlyOP Mainnet1.61MUSDC0%4.34%4.34%
ExactlyOP Mainnet1.61MUSDC0%4.38%4.33%
Ember-protocolEthereum2.04MUSDC0%4.52%4.33%
Aave-v3Monad13.81MUSDC1.49%6.11%4.31%
ExactlyOP Mainnet1.61MUSDC0%4.29%4.3%
CurvanceMonad3.13MUSDC1.8%6.06%4.28%
ExactlyOP Mainnet1.61MUSDC0%4.32%4.27%
Yearn-financeEthereum2.39MUSDC0%4.08%4.24%
ExactlyOP Mainnet1.61MUSDC0%4.21%4.24%
ExactlyOP Mainnet1.61MUSDC0%4.17%4.21%
TydroInk17.58MUSDC0%4.1%4.2%
Flux-financeEthereum1.60MUSDC0%4.09%4.14%
AutofinanceBase3.66MUSDC4.69%10.36%4.12%
ExactlyOP Mainnet1.61MUSDC0%4.01%4.05%
ExactlyOP Mainnet1.61MUSDC0%1.93%4.02%
Aave-v3Base17.73MUSDC0%3.81%4.01%
Spectra-metavaultsBase3.03MUSDC0%2.94%3.99%
Gami-labsBase3.03MUSDC0%2.93%3.99%
Venus-core-poolBSC7.56MUSDC0%3.7%3.93%
Fusion-by-iporBase1.20MUSDC1.94%6.56%3.9%
Hyperlend-pooledHyperliquid L15.68MUSDC0%4.58%3.87%
Aave-v3Ethereum142.51MUSDC0%4.25%3.86%
Aave-v3Ethereum59.41MUSDC1.64%5.81%3.86%
ExactlyOP Mainnet1.61MUSDC0%3.1%3.85%
Spark-savingsEthereum313.23MUSDC0%3.61%3.8%
Spark-savingsAvalanche2.61MUSDC0%3.61%3.8%
Midas-rwaEthereum74.86MUSDC0%3.43%3.73%
Midas-rwaEtherlink1.22MUSDC0%3.43%3.73%
Yearn-financeEthereum1.12MUSDC0%3.44%3.73%
Yearn-financeEthereum19.32MUSDC0%3.68%3.63%
Centrifuge-protocolBase7.15MUSDC0%4%3.63%
Centrifuge-protocolPharos4.56MUSDC0%3.48%3.63%
Centrifuge-protocolBSC1.01MUSDC0%3.48%3.63%
ExactlyOP Mainnet1.61MUSDC0%4.15%3.58%
SparklendEthereum4.60MUSDC0%3.4%3.56%
DolomiteEthereum28.29MUSDC3.96%7.32%3.37%
Aave-v3BSC2.12MUSDC0%3.36%3.11%
Aave-v3Polygon10.67MUSDC0%3.03%3.06%
SaveSolana5.30MUSDC0%3.13%3.05%
Compound-v3Arbitrum2.35MUSDC0%2.97%3.03%
Aave-v3Ethereum1.41MUSDC0%3.27%2.98%
Ember-protocolSui8.63MUSDC0%9.16%2.84%
Kamino-lendSolana1.71MUSDC0%2.21%2.84%
Lista-lendingEthereum4.35MUSDC5.88%6.86%1.89%
CurrentSui25.15MUSDC5%8.31%1.77%
ExactlyOP Mainnet1.61MUSDC0%1.05%1.03%
Native-credit-poolEthereum1.14MUSDC0%4.91%0.84%
Aave-v4Avalanche6.54MUSDC4.06%4.97%0.54%
TectonicCronos1.43MUSDC0.02%0.58%0.42%
AcrossEthereum1.03MUSDC4.7%4.6%0.3%
Centrifuge-protocolPlume Mainnet20.70MUSDC0%1.31%0.3%
CredixSolana13.41MUSDC0%0.07%0.03%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum689.2M4.62%
Avalanche8285.5M4.17%
Base17161.4M6.97%
BSC14114.3M4.94%
Ethereum743.2B6.13%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon110.7M3.06%
Solana18579.5M9.15%
TON12.7M4.72%
zkSync Era000%