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
02/10/2026 15:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Neutral-tradeSolana2.26MUSDC0%37.42%79.44%
Neutral-tradeSolana1.40MUSDC0%66.9%52.94%
Gains-networkArbitrum4.82MUSDC0%36.75%37.64%
Harvest-financeBase1.84MUSDC0%47.45%32.58%
VerantaBase9.53MUSDC0%18%18.39%
AccountableEthereum2.45MUSDC11.4%38%16.89%
EnsuroEthereum1.31MUSDC0%20.77%16.64%
AccountableMonad7.50MUSDC1.5%16.36%15.93%
Ember-protocolSui8.62MUSDC0%6.39%15.45%
Ember-protocolEthereum5.51MUSDC0%10.94%14.5%
AccountableEthereum1.05MUSDC0.75%14.84%14.25%
Ember-protocolEthereum1.64MUSDC0%19.2%12.93%
Ember-protocolEthereum2.62MUSDC0%12.97%12.9%
AccountableEthereum11.16MUSDC0%12.46%12.13%
Neutral-tradeSolana4.24MUSDC0%11.86%11.75%
AccountableMonad5.44MUSDC0.5%12.1%11.64%
AccountableMonad74.99MUSDC0.45%11.7%11.4%
Pareto-creditEthereum11.10MUSDC0%10.59%10.59%
Neutral-tradeSolana2.46MUSDC0%14.25%10.29%
Ember-protocolSui9.10MUSDC0%10.14%10.01%
AguaEthereum7.48MUSDC0%10%10%
Ember-protocolEthereum3.71MUSDC0%9.6%9.54%
AccountableEthereum3.37MUSDC0%11.89%9.54%
Nawa-protocolZIGChain3.45MUSDC0%8.91%9.51%
Pareto-creditEthereum1.98MUSDC0%9.38%9.38%
Midas-rwaEthereum31.25MUSDC0%6.63%8.76%
Neutral-tradeSolana1.39MUSDC0%9.47%8.41%
Pareto-creditEthereum122.68MUSDC0%7.82%8.06%
Ember-protocolSui8.87MUSDC4%12%8%
Ember-protocolEthereum17.74MUSDC0%11.71%7.93%
Midas-rwaEthereum1.71MUSDC0%8.37%7.92%
Midas-rwaEthereum3.24MUSDC0%7.02%7.84%
Midas-rwaEthereum2.53MUSDC0%7.02%7.84%
Sentora-curatorEthereum94.37MUSDC0%7.41%7.7%
Midas-rwaEthereum65.71MUSDC0%7.55%7.52%
Fusion-by-iporEthereum1.28MUSDC0%6.25%7.37%
AccountableMonad2.32MUSDC0.5%7.33%7.28%
Yearn-financeEthereum11.91MUSDC0%6.63%7.14%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Extra-finance-leverage-farmingBase3.35MUSDC0%6.28%6.97%
Zerobase-cedefiBSC2.13MUSDC2%8.76%6.76%
Yearn-financeEthereum7.59MUSDC0%6.85%6.74%
Compound-v3Ethereum34.01MUSDC0%4.65%6.66%
Midas-rwaEthereum7.40MUSDC0%6.85%6.64%
Harvest-financeEthereum1.18MUSDC0%7.51%6.62%
Pareto-creditEthereum22.06MUSDC0%6.7%6.62%
Blend-pools-v2Stellar12.06MUSDC0%7.63%6.6%
Euler-v2Monad5.81MUSDC1.25%7.87%6.54%
Midas-rwaEthereum26.25MUSDC0%7.91%6.48%
Loopscale-lendingSolana2.71MUSDC0.34%7%6.46%
Kamino-lendSolana6.14MUSDC0%6.45%6.37%
Aave-v3Avalanche4.83MUSDC0%4.92%6.37%
Harmonix-financeHyperliquid L119.56MUSDC0%6.77%6.32%
Harvest-financeBase1.06MUSDC0%7.33%6.31%
Benqi-lendingAvalanche1.59MUSDC0%5.93%6.26%
Midas-rwaBase51.54MUSDC0%2.56%6.2%
Midas-rwaRobinhood Chain36.04MUSDC0%2.61%6.2%
Midas-rwaEthereum34.06MUSDC0%6.68%6.1%
Loopscale-lendingSolana2.62MUSDC0.45%6.5%5.41%
Fluid-lendingArbitrum55.80MUSDC0%4.18%5.36%
AutofinanceEthereum7.64MUSDC1.08%6.17%5.33%
AccountableMonad7.21MUSDC0.5%5.87%5.23%
Alchemix-v3Ethereum7.76MUSDC0%5.46%5.05%
Kamino-lendSolana3.19MUSDC0%4.64%5.03%
Native-credit-poolEthereum1.14MUSDC0%4.93%4.93%
AutofinanceBase3.71MUSDC5.13%10.46%4.89%
Kamino-lendSolana6.51MUSDC0%4.58%4.79%
DolomiteArbitrum1.18MUSDC0%4.2%4.79%
Yearn-financeBase1.53MUSDC0%4.94%4.76%
Kamino-lendSolana1.23MUSDC0%4.22%4.73%
Navi-lendingSui10.14MUSDC0.62%5.15%4.73%
Fluid-lendingEthereum129.57MUSDC0%4.51%4.72%
Fusion-by-iporBase2.55MUSDC0%6.26%4.5%
TydroInk13.10MUSDC0%4.04%4.5%
Centrifuge-protocolBase7.15MUSDC0%3.76%4.46%
Centrifuge-protocolPharos4.56MUSDC0%3.18%4.46%
Centrifuge-protocolBSC1.01MUSDC0%3.18%4.46%
Centrifuge-protocolBSC1.01MUSDC0%3.18%4.46%
Midas-rwaEthereum6.44MUSDC0%3.77%4.4%
Midas-rwaEtherlink1.13MUSDC0%3.74%4.4%
ExactlyOP Mainnet1.60MUSDC0%4.39%4.38%
Ember-protocolEthereum2.04MUSDC0%4.42%4.36%
ExactlyOP Mainnet1.60MUSDC0%4.33%4.34%
ExactlyOP Mainnet1.60MUSDC0%4.33%4.32%
ExactlyOP Mainnet1.60MUSDC0%4.27%4.3%
CurvanceMonad3.10MUSDC1.8%5.88%4.29%
Yo-protocolBase8.14MUSDC0%4.24%4.25%
Yo-protocolEthereum1.35MUSDC0%4.24%4.25%
ExactlyOP Mainnet1.60MUSDC0%4.19%4.23%
ExactlyOP Mainnet1.60MUSDC0%4.13%4.19%
ExactlyOP Mainnet1.60MUSDC0%4.18%4.16%
Yearn-financeEthereum2.39MUSDC0%4%4.16%
Flux-financeEthereum1.57MUSDC0%4%4.15%
Aave-v4Ethereum3.09MUSDC0%4.83%4.14%
Aave-v3Monad14.43MUSDC1.74%6.06%4.08%
ExactlyOP Mainnet1.60MUSDC0%3.95%4.07%
ExactlyOP Mainnet1.60MUSDC0%0.2%4.02%
ExactlyOP Mainnet1.60MUSDC0%2.19%3.82%
Hyperlend-pooledHyperliquid L16.87MUSDC0%4.82%3.79%
Fusion-by-iporBase1.06MUSDC2.07%6.76%3.78%
SymbiosisEthereum1.04MUSDC0%4.71%3.78%
Aave-v3Base19.04MUSDC0%3.79%3.77%
Yearn-financeEthereum19.56MUSDC0%3.7%3.73%
Aave-v3Ethereum151.31MUSDC0%4.1%3.7%
Aave-v3Ethereum57.58MUSDC1.69%5.68%3.7%
Rhea-lendNear2.29MUSDC0%7.49%3.63%
Spark-savingsEthereum308.87MUSDC0%3.6%3.6%
Spark-savingsAvalanche8.68MUSDC0%3.6%3.6%
Midas-rwaEtherlink4.94MUSDC0%5.25%3.45%
Midas-rwaEthereum72.73MUSDC0%3.45%3.42%
Midas-rwaEtherlink1.22MUSDC0%3.45%3.42%
SparklendEthereum4.05MUSDC0%3.42%3.39%
Yearn-financeEthereum1.12MUSDC0%3.42%3.36%
Aave-v3BSC1.64MUSDC0%3.31%3.34%
DolomiteEthereum29.85MUSDC4.01%7.32%3.29%
Aave-v3Arbitrum22.56MUSDC0%2.96%3.08%
Fluid-lendingBase14.87MUSDC5.19%5.83%3.05%
Compound-v3Arbitrum2.37MUSDC0%2.92%3.02%
Aave-v3OP Mainnet1.46MUSDC0%2.72%2.99%
Venus-core-poolBSC13.16MUSDC0%3.39%2.96%
SaveSolana5.84MUSDC0%3.11%2.91%
Aave-v3Polygon11.46MUSDC0%3.02%2.88%
Gami-labsBase3.03MUSDC0%2.92%2.33%
Spectra-metavaultsBase3.03MUSDC0%2.97%2.33%
Kamino-lendSolana2.31MUSDC0%1.74%2.22%
CurrentSui20.84MUSDC6.32%8.71%1.92%
Echelon-marketAptos1.77MUSDC3.26%4.43%1.88%
NeverlandMonad1.31MUSDC6.88%10.19%1.8%
Lista-lendingEthereum4.46MUSDC6.33%7.06%1.35%
ExactlyOP Mainnet1.60MUSDC0%0.99%1.12%
Aave-v4Avalanche6.34MUSDC3.94%5.12%0.66%
TectonicCronos1.35MUSDC0.03%0.54%0.46%
AcrossEthereum1.10MUSDC4.37%4.54%0.09%
CredixSolana13.41MUSDC0%0.07%0.07%
Lista-lendingBSC1.03MUSDC8.29%4.25%0.05%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum799.1M9.05%
Avalanche732.6M3.63%
Base16142M7.22%
BSC15127.9M4.32%
Ethereum683B6.14%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon111.5M2.88%
Solana1659.3M12.93%
TON12.7M4.79%
zkSync Era000%