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 3.62% on Mar 18 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
20/03/2026 22:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Yearn-financeEthereum1.11MUSDC0%9365.34%433.92%
Bracket-vaultsEthereum3.29MUSDC0%13.21%12.48%
DolomiteEthereum6.49MUSDC0%4.55%10.83%
AvantisBase79.76MUSDC0%10.11%10.18%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
Blend-pools-v2Stellar8.45MUSDC0%9.62%9.79%
AbyssSui1.82MUSDC0%9.13%7.64%
Zerobase-cedefiBSC1.46MUSDC2%9%7%
Euler-v2Avalanche4.06MUSDC0%6.43%6.86%
LoopscaleSolana1.45MUSDC1.26%7.61%6.69%
Fusion-by-iporBase1.81MUSDC0%5.57%6.45%
Yearn-financeEthereum2.52MUSDC0%6.25%6.36%
Gains-networkBase2.38MUSDC0%6.15%5.57%
Yearn-financeEthereum2.82MUSDC0%4.87%5.54%
SymbiosisEthereum1.29MUSDC0%4.11%5.53%
Extra-finance-leverage-farmingBase4.39MUSDC0%5.3%5.48%
Yo-protocolEthereum12.72MUSDC12%17.02%5.46%
Yo-protocolBase32.58MUSDC12%18.88%5.46%
AutofinanceEthereum20.36MUSDC0.36%6.02%5.18%
Gains-networkArbitrum12.74MUSDC0%8.38%4.74%
Woofi-earnArbitrum1.19MUSDC0%6.38%4.74%
LoopscaleSolana4.76MUSDC0%3.85%4.6%
Harvest-financeBase2.54MUSDC0%5.45%4.41%
AutofinanceBase13.51MUSDC1.27%5.84%4.31%
ExactlyOptimism1.76MUSDC0%4.18%4.21%
ExactlyOptimism1.76MUSDC0%4.15%4.19%
Flux-financeEthereum1.51MUSDC0%4.19%4.16%
SparklendEthereum1.80MUSDC0%3.36%4.14%
ExactlyOptimism1.76MUSDC0%4.08%4.13%
Yearn-financeEthereum2.04MUSDC0%4.75%4.12%
Yearn-financeEthereum3.82MUSDC0%5.39%4.12%
ExactlyOptimism1.76MUSDC0%3.98%4.02%
Benqi-lendingAvalanche5.81MUSDC0%3.48%3.97%
Harvest-financeEthereum1.10MUSDC0%3.69%3.94%
Harvest-financeEthereum1.10MUSDC0%3.69%3.94%
ExactlyOptimism1.76MUSDC0%3.83%3.93%
ExactlyOptimism1.76MUSDC0%3.93%3.91%
Scallop-lendSui2.43MUSDC0%4.54%3.91%
AutofinanceArbitrum1.35MUSDC1.45%6.31%3.91%
WasabiBase4.94MUSDC0%4.52%3.87%
Hyperlend-pooledHyperliquid L126.23MUSDC0%4.35%3.83%
Euler-v2Ethereum36.46MUSDC0%4.19%3.82%
Spark-savingsAvalanche113.96MUSDC0%3.88%3.75%
Spark-savingsEthereum429.47MUSDC0%3.88%3.75%
ExactlyOptimism1.76MUSDC0%2.14%3.7%
Fluid-lendingArbitrum37.99MUSDC1.16%4.19%3.69%
ExactlyOptimism1.76MUSDC0%1.77%3.67%
ExactlyOptimism1.76MUSDC0%3.83%3.66%
NeverlandMonad14.65MUSDC4.55%10.51%3.63%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum561.2M4.82%
Avalanche4125M4.88%
Base8141.9M5.72%
BSC340.5M8.92%
Ethereum222.6B25.03%
Hyperliquid000%
Mantle000%
Optimism915.8M3.93%
Polygon11.9M3.65%
Solana26.2M5.64%
TON000%
zkSync Era000%