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 3.56% on Dec 22 2025). 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
27/12/2025 23:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum4.66MUSDC0%41.83%47.5%
KiloexBase1.13MUSDC0%26.66%20.56%
Hatom-lendingMultiversX1.27MUSDC0.33%12.39%18.74%
Bracket-vaultsEthereum8.10MUSDC0%17.55%16.49%
Blend-pools-v2Stellar1.17MUSDC0.89%15.68%13.92%
Blend-pools-v2Stellar4.72MUSDC0%13.4%13.48%
FranciumSolana2.44MUSDC0%13.15%13.15%
AvantisBase99.48MUSDC0%11.45%11.55%
WasabiBase10.74MUSDC0%9.56%10.7%
AccountableMonad4.01MUSDC8.12%20.77%10.67%
LiqwidCardano2.36MUSDC1.58%9.33%10.26%
GoldfinchEthereum37.76MUSDC0%10.01%10.01%
DeltaprimeArbitrum1.32MUSDC0%9.1%8.44%
Harvest-financeBase3.44MUSDC0%8.09%8.36%
DeltaprimeAvalanche1.59MUSDC0%7.31%8.35%
Woofi-earnArbitrum1.10MUSDC0%7.39%8.21%
Gains-networkArbitrum12.34MUSDC0%11.87%7.9%
Ipor-fusionBase1.91MUSDC0%8.2%7.63%
AutofinanceArbitrum3.11MUSDC1.86%9.71%7.3%
Yo-protocolBase29.16MUSDC0%7.52%7.04%
LoopscaleSolana9.16MUSDC0%8.5%6.93%
Euler-v2Avalanche2.49MUSDC0%7.09%6.87%
Extra-finance-leverage-farmingBase5.72MUSDC0.23%7.41%6.77%
Euler-v2Arbitrum1.20MUSDC0%5.51%6.53%
Euler-v2Arbitrum1.98MUSDC0%6.11%6.36%
AutofinanceEthereum7.93MUSDC1.4%7.61%6.35%
AutofinanceBase25.16MUSDC2.33%9.71%6.17%
Yearn-financeEthereum7.18MUSDC0%3.9%5.97%
SaveSolana6.19MUSDC0%6.3%5.88%
Euler-v2Arbitrum1.61MUSDC0%4.75%5.54%
Gains-networkBase1.15MUSDC0%6.87%5.48%
Yearn-financeBase2.39MUSDC0%5.2%5.48%
Scallop-lendSui2.12MUSDC0%5.7%5.44%
Harvest-financeBase1.75MUSDC0%5.79%5.36%
Ipor-fusionBase1.75MUSDC0%5.54%5.35%
Harvest-financeBase1.71MUSDC0%5.3%5.19%
Yearn-financeEthereum1.24MUSDC0%3.71%5.16%
Harmonix-financeArbitrum3.08MUSDC0%7.15%5.11%
Hyperlend-pooledHyperliquid9.78MUSDC0%5.29%5.09%
Euler-v2Ethereum27.04MUSDC0%4.14%4.91%
Harvest-financeEthereum1.08MUSDC0%5.26%4.82%
Harvest-financeEthereum1.08MUSDC0%5.26%4.82%
Ipor-fusionEthereum6.76MUSDC0%6.81%4.68%
Moonwell-lendingBase6.64MUSDC0.75%5.75%4.66%
Benqi-lendingAvalanche6.34MUSDC0%4.3%4.64%
Euler-v2Ethereum22.56MUSDC0%5.87%4.58%
ExactlyOptimism1.43MUSDC0%4.75%4.57%
Yearn-financeEthereum14.70MUSDC0%4.99%4.48%
ExactlyOptimism1.43MUSDC0%4.54%4.44%
ExactlyOptimism1.43MUSDC0%4.48%4.44%
Yearn-financeEthereum33.26MUSDC0%4.88%4.31%
Echelon-marketAptos18.14MUSDC0%4.99%4.31%
Folks-finance-lendingAlgorand1.93MUSDC0%4.64%4.21%
ExactlyOptimism1.43MUSDC0%4.41%4.19%
Aave-v3Base83.81MUSDC0%3.34%4.18%
DolomiteArbitrum4.14MUSDC0%4.55%4.18%
ExactlyOptimism1.43MUSDC0%4.17%4.18%
ExactlyOptimism1.43MUSDC0%4.15%4.16%
Flux-financeEthereum1.57MUSDC0%4.14%4.13%
Navi-lendingSui17.79MUSDC1.1%5.06%4.1%
Spark-savingsAvalanche198.70MUSDC0%4%4%
Spark-savingsEthereum210.84MUSDC0%4%4%
ExactlyOptimism1.43MUSDC0%3.9%3.94%
ExactlyOptimism1.43MUSDC0%3.79%3.85%
ExactlyOptimism1.43MUSDC0%3.73%3.77%
Aave-v3Avalanche24.92MUSDC0%3.19%3.71%
Takara-lendSei1.84MUSDC5.26%9.27%3.65%
ExactlyOptimism1.43MUSDC0%2.96%3.59%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum929.9M6.62%
Avalanche6236.8M5.27%
Base15275.9M7.63%
BSC142.3M4.13%
Ethereum241.8B7.25%
Mantle000%
Optimism1014.3M4.11%
Polygon000%
Solana418.9M7.99%
TON16M6.55%
zkSync Era000%