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 3.60% on Mar 10 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
12/03/2026 22:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bracket-vaultsEthereum3.29MUSDC0%13.6%12.86%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
AvantisBase82.76MUSDC0%10.87%9.96%
Blend-pools-v2Stellar10.44MUSDC0%10.08%9.05%
AbyssSui1.90MUSDC0%8.93%8.71%
Gains-networkArbitrum13.19MUSDC0%8.13%7.28%
Zerobase-cedefiBSC1.28MUSDC2%9%7%
LoopscaleSolana2.15MUSDC1.24%7.3%6.48%
LiqwidCardano1.97MUSDC1.58%6.61%6.16%
Harvest-financeBase3.23MUSDC0%5.89%5.78%
DeltaprimeAvalanche1.10MUSDC0%5.9%5.63%
Extra-finance-leverage-farmingBase4.27MUSDC0%5.01%5.36%
AutofinanceEthereum21.87MUSDC0.28%6.58%5.33%
AutofinanceArbitrum1.34MUSDC1.32%6.27%5.11%
Fusion-by-iporBase1.77MUSDC0%5.43%4.91%
Navi-lendingSui7.70MUSDC0.53%4.96%4.91%
SymbiosisEthereum1.41MUSDC0%4.44%4.81%
Yo-protocolBase31.89MUSDC12%19.91%4.77%
Woofi-earnArbitrum1.26MUSDC0%7%4.69%
Gains-networkBase1.90MUSDC0%5.47%4.44%
AutofinanceBase16.01MUSDC0.99%6.15%4.31%
Flux-financeEthereum1.44MUSDC0%4.2%4.2%
Euler-v2Avalanche4.25MUSDC0%5.91%4.2%
ExactlyOptimism1.70MUSDC0%4.16%4.2%
ExactlyOptimism1.70MUSDC0%4.13%4.17%
DolomiteEthereum13.97MUSDC0%4.36%4.17%
LoopscaleSolana6.56MUSDC0%3.58%4.15%
Scallop-lendSui2.24MUSDC0%4.8%4.15%
SparklendEthereum1.88MUSDC0%3.23%4.14%
ExactlyOptimism1.70MUSDC0%4.06%4.11%
ExactlyOptimism1.70MUSDC0%3.96%4%
ExactlyOptimism1.70MUSDC0%3.81%3.92%
ExactlyOptimism1.70MUSDC0%4.01%3.9%
Benqi-lendingAvalanche6.14MUSDC0%3.25%3.82%
NeverlandMonad13.57MUSDC5.15%11.86%3.81%
Yearn-financeBase1.22MUSDC0%22.83%3.75%
Spark-savingsAvalanche141.69MUSDC0%3.97%3.75%
Spark-savingsEthereum412.15MUSDC0%3.97%3.75%
ExactlyOptimism1.70MUSDC0%2.33%3.65%
Euler-v2Ethereum40.35MUSDC0%4.55%3.65%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum423.9M6.02%
Avalanche7158.2M8.35%
Base8143.1M5.41%
BSC225.1M7.38%
Ethereum142.4B5.67%
Hyperliquid000%
Mantle000%
Optimism711.9M3.99%
Polygon000%
Solana28.7M5.32%
TON14.2M5.5%
zkSync Era000%