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 3.70% on Jul 15 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
17/07/2026 04:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableMonad1.77MUSDC0.97%41.68%43.11%
AccountableMonad61.60MUSDC0.28%12.57%17.6%
AccountableEthereum1.05MUSDC0%14.25%14.25%
Harvest-financeBase1.87MUSDC0%16.02%13.67%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum7.80MUSDC0%12.83%12.9%
Midas-rwaEthereum1.98MUSDC0%9.78%12.76%
Aave-v3Ethereum10.76MUSDC0%3.6%11.91%
Harvest-financeEthereum1.17MUSDC0%7.66%11.67%
AccountableEthereum2.14MUSDC0%10.66%11.66%
AvantisBase21.75MUSDC0%9.68%11.32%
Pareto-creditEthereum15.17MUSDC0%10.59%10.59%
Midas-rwaMonad1.88MUSDC0%10.56%10.57%
Midas-rwaEthereum46.85MUSDC0%10.56%10.57%
Ember-protocolSui1.20MUSDC0%10.64%10.44%
Midas-rwaEthereum73.74MUSDC0%12.57%10.17%
Ember-protocolEthereum3.30MUSDC0%9.31%10.1%
AccountableMonad8.98MUSDC0.5%9.38%10.02%
AccountableMonad5.21MUSDC0.48%10.48%10%
GoldfinchEthereum36.72MUSDC0%10.11%10%
Ember-protocolSui3.23MUSDC0%9.14%9.48%
Bracket-vaultsEthereum2.82MUSDC0%9.69%9.38%
Pareto-creditEthereum2.13MUSDC0%9.38%9.38%
Midas-rwaEtherlink4.31MUSDC0%7.35%8.94%
Ember-protocolSui1.09MUSDC0%9.48%8.93%
Midas-rwaEthereum7.72MUSDC0%8.82%8.79%
YieldseekerBase1.89MUSDC0%8.11%8.78%
Pareto-creditEthereum156.98MUSDC0%8.31%8.31%
Midas-rwaEthereum29.02MUSDC0%3.26%8.27%
LazyEthereum1.03MUSDC0%8.72%8.14%
LazyEthereum1.03MUSDC0%8.72%8.14%
Ember-protocolSui6.93MUSDC4%12%8%
Harmonix-financeHyperliquid L118.95MUSDC0%9.19%7.92%
Midas-rwaEthereum4.54MUSDC0%6.18%7.82%
Blend-pools-v2Stellar11.74MUSDC0%6.94%7.65%
Pareto-creditEthereum21.81MUSDC0%7.13%7.13%
Midas-rwaEthereum2.49MUSDC0%7.73%7.12%
Midas-rwaEthereum6.64MUSDC0%7.74%7.12%
AccountableMonad1.62MUSDC0.5%7.34%7.03%
Ember-protocolSui1.36MUSDC0%8.12%7%
Gami-labsStellar16.45MUSDC0%7%7%
Centrifuge-protocolMonad10.04MUSDC0%5.69%6.99%
Centrifuge-protocolPlume Mainnet33MUSDC0%4.23%6.99%
Yearn-financeEthereum6.17MUSDC0%5.84%6.8%
Zerobase-cedefiBSC1.95MUSDC2%8.76%6.76%
LoopscaleSolana2.66MUSDC0.25%7.9%6.62%
Extra-finance-leverage-farmingBase3.48MUSDC0%6.41%6.45%
AutofinanceEthereum8.66MUSDC0.41%6.52%6.28%
Kamino-lendSolana5.63MUSDC0%7.02%6.07%
Yearn-financeEthereum9.08MUSDC0%5.87%5.95%
Hyperlend-pooledHyperliquid L111.42MUSDC0%6.61%5.84%
Fluid-lendingArbitrum35.99MUSDC0%5.82%5.48%
AccountableEthereum4.02MUSDC10.04%15.3%5.47%
Yearn-financeEthereum1.19MUSDC0%4.54%5.43%
AutofinanceBase5.97MUSDC2.16%7.27%5.22%
Navi-lendingSui6.36MUSDC0.43%5.83%5.14%
DolomiteArbitrum1.15MUSDC0%4.42%5.06%
Fluid-lendingBase8.76MUSDC0%5.55%5.05%
Ember-protocolSui1.11MUSDC4.81%11.86%5.02%
Yearn-financeBase1.76MUSDC0%4.91%4.95%
Fusion-by-iporEthereum2.88MUSDC0%6.22%4.9%
Gains-networkArbitrum6.69MUSDC0%5.75%4.87%
Midas-rwaEtherlink1.11MUSDC0%3.45%4.81%
Midas-rwaEthereum7.27MUSDC0%3.45%4.81%
Fluid-lendingEthereum141.68MUSDC0%6.16%4.73%
Fluid-lendingEthereum9.44MUSDC0%5.7%4.73%
Kamino-lendSolana7.18MUSDC0%4.71%4.33%
ExactlyOP Mainnet1.84MUSDC0%4.2%4.31%
ExactlyOP Mainnet1.84MUSDC0%4.17%4.23%
Kamino-lendSolana1.05MUSDC0%5.4%4.22%
ExactlyOP Mainnet1.84MUSDC0%4.12%4.21%
ExactlyOP Mainnet1.84MUSDC0%4.08%4.15%
ExactlyOP Mainnet1.84MUSDC0%4.01%4.14%
Euler-v2Monad2.20MUSDC2.63%5.94%4.11%
Moonwell-lendingBase2.21MUSDC0.33%5.1%4.09%
Yo-protocolBase10.13MUSDC0%4.17%4.08%
Yo-protocolEthereum2.38MUSDC0%4.17%4.08%
ExactlyOP Mainnet1.84MUSDC0%3.98%4.03%
ExactlyOP Mainnet1.84MUSDC0%3.83%4.02%
ExactlyOP Mainnet1.84MUSDC0%3.66%3.94%
Native-credit-poolEthereum6.07MUSDC0%3.59%3.9%
SymbiosisEthereum1.30MUSDC0%6.13%3.89%
AmpleBase4.31MUSDC0%4.51%3.86%
TermmaxBase1.20MUSDC0%3.97%3.85%
ExactlyOP Mainnet1.84MUSDC0%4%3.84%
Benqi-lendingAvalanche4.71MUSDC0%3.77%3.75%
Flux-financeEthereum2.60MUSDC0%3.72%3.72%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum451.5M5.6%
Avalanche14.7M3.75%
Base1163.3M6.48%
BSC764.9M6.16%
Ethereum411.8B7.57%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon000%
Solana517.7M5.03%
TON13.6M5.74%
zkSync Era000%