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 3.61% on May 13 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
15/05/2026 12:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Yearn-financeBase1.74MUSDC0%111.13%153.82%
Ember-protocolSui7.87MUSDC0%12.33%15.59%
Canto-lendingCanto1.35MUSDC0%12.99%13.29%
AbyssSui1.94MUSDC0%9.74%13.23%
Ember-protocolEthereum47.77MUSDC13%21.17%12.52%
Harmonix-financeHyperliquid L18.37MUSDC0%10.64%12.3%
Harvest-financeBase1.97MUSDC0%7.83%12.27%
AvantisBase45.76MUSDC0%10.1%10.87%
Bracket-vaultsEthereum2.71MUSDC0%11.12%10.66%
GoldfinchEthereum37.24MUSDC0%10.06%10.06%
Ember-protocolEthereum2.78MUSDC0%8.65%10.05%
Ember-protocolSui1.59MUSDC0%10.02%10.01%
Ember-protocolSui2.58MUSDC0%8.86%9.4%
YieldseekerBase1.24MUSDC0%9.05%8.97%
Blend-pools-v2Stellar10.64MUSDC0%9.07%8.65%
Yearn-financeEthereum2.80MUSDC0%6.43%8.58%
AccountableMonad1.82MUSDC2.64%11.51%8.5%
Ember-protocolEthereum4.50MUSDC0%7.71%8.02%
Ember-protocolSui5.38MUSDC4%12%8%
Kamino-lendSolana6.45MUSDC0%4.92%7.75%
Fusion-by-iporEthereum1.31MUSDC0%4.65%7.25%
Ember-protocolSui1.81MUSDC0%8.9%7.24%
AutofinanceEthereum2.14MUSDC0%8.48%7.05%
Ember-protocolSui1.14MUSDC0%7.3%6.95%
Gains-networkArbitrum5.12MUSDC0%6.37%6.94%
Moonwell-lendingBase1.42MUSDC1.41%5.02%6.89%
Ember-protocolSui1.17MUSDC0%8.95%6.83%
Zerobase-cedefiBSC2.05MUSDC2%8.76%6.76%
Fluid-lendingArbitrum47.29MUSDC0%6.31%6.64%
Benqi-lendingAvalanche2.25MUSDC0%8.76%6.63%
Aave-v3Avalanche4.75MUSDC0%6.26%6.56%
Extra-finance-leverage-farmingBase3.70MUSDC0%5.9%6.25%
Yearn-financeEthereum10.12MUSDC0%4.93%5.64%
SymbiosisEthereum1.12MUSDC0%7.09%5.51%
LoopscaleSolana1.25MUSDC0%5.46%5.5%
Fluid-lendingBase14.44MUSDC0%6.46%5.47%
AutofinanceBase6.55MUSDC3.49%8.76%5.37%
Scallop-lendSui1.33MUSDC0%5.32%5.01%
Hyperlend-pooledHyperliquid L114.87MUSDC0%5.13%4.89%
Ember-protocolSui1.40MUSDC8.63%13.4%4.64%
AmpleBase4.33MUSDC0%4.6%4.5%
Folks-finance-lendingAlgorand1.34MUSDC0%4.34%4.5%
Yo-protocolEthereum3.36MUSDC7.8%14.21%4.47%
Yo-protocolBase16.12MUSDC7.8%14.19%4.47%
Spectra-metavaultsBase6.58MUSDC1.42%4.8%4.39%
DolomiteArbitrum1.56MUSDC0%5.69%4.33%
ExactlyOP Mainnet1.60MUSDC0%4.04%4.15%
ExactlyOP Mainnet1.60MUSDC0%3.97%4.13%
SparklendEthereum3.98MUSDC0%4.11%4.04%
ExactlyOP Mainnet1.60MUSDC0%4.03%4.03%
ExactlyOP Mainnet1.60MUSDC0%3.89%4.03%
AutofinanceArbitrum1.33MUSDC2.61%9.94%3.98%
ExactlyOP Mainnet1.60MUSDC0%3.82%3.94%
ExactlyOP Mainnet1.60MUSDC0%3.81%3.93%
ExactlyOP Mainnet1.60MUSDC0%3.78%3.93%
ExactlyOP Mainnet1.60MUSDC0%3.39%3.92%
ExactlyOP Mainnet1.60MUSDC0%3.76%3.91%
TermmaxBase1.26MUSDC0%2.29%3.89%
Jupiter-lendSolana445.86MUSDC1.1%4.38%3.88%
Harvest-financeEthereum1.09MUSDC0%5%3.86%
Harvest-financeEthereum1.09MUSDC0%5%3.86%
Navi-lendingSui8.54MUSDC0.62%4.51%3.84%
Ember-protocolSui1.14MUSDC0%5.78%3.71%
Flux-financeEthereum2.69MUSDC0%3.71%3.68%
Project-0Solana4.59MUSDC0%7.82%3.67%
NeverlandMonad16.32MUSDC4.8%8.39%3.66%
Spark-savingsAvalanche28.32MUSDC0%3.67%3.65%
Spark-savingsEthereum0.95BUSDC0%3.67%3.65%
AutofinanceEthereum8.22MUSDC0.68%6.25%3.61%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum563.2M5.78%
Avalanche539.1M5.3%
Base12105.1M18.93%
BSC341M8.01%
Ethereum212B6.3%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon000%
Solana4458.1M5.2%
TON13.6M6.13%
zkSync Era000%