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 3.52% on Jan 09 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
13/01/2026 16:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum4.82MUSDC0%39.8%36%
Hatom-lendingMultiversX1.27MUSDC0.33%20.25%18.74%
Bracket-vaultsEthereum7.99MUSDC0%16.38%15.5%
Blend-pools-v2Stellar1.25MUSDC0.72%15.21%13.79%
AvantisBase99.88MUSDC0%10.29%13.37%
Blend-pools-v2Stellar5.26MUSDC0%13.26%13.17%
FranciumSolana2.44MUSDC0%13.15%13.15%
WasabiSolana2.22MUSDC0%10.87%11.43%
LiqwidCardano2.37MUSDC1.58%11.34%10.47%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
AccountableMonad1.08MUSDC9.48%19.08%8.59%
LoopscaleSolana2.42MUSDC0.9%10.04%8.41%
WasabiBase10.26MUSDC0%9.02%7.96%
AutofinanceEthereum7.53MUSDC1.17%7.62%7.88%
Gains-networkBase1.33MUSDC0%6.72%7.6%
Extra-finance-leverage-farmingBase5.70MUSDC0.07%7.02%7.05%
Woofi-earnArbitrum1.21MUSDC0%7.65%7.05%
Harvest-financeBase3.46MUSDC0%7.07%7.01%
Ipor-fusionBase2.08MUSDC0%7.51%6.79%
DeltaprimeAvalanche1.87MUSDC0%7.23%6.75%
Yo-protocolBase28.15MUSDC0%7%6.73%
Yearn-financeEthereum11.43MUSDC0%3.98%6.56%
LoopscaleSolana11.70MUSDC0%6.91%6.31%
Harvest-financeEthereum1.07MUSDC0%5.17%6.17%
Euler-v2Avalanche3.21MUSDC0%8.76%6.16%
Scallop-lendSui1.57MUSDC0%5.74%6.12%
Euler-v2Arbitrum1.16MUSDC0%6.3%5.91%
SaveSolana6.47MUSDC0%5.82%5.83%
Harvest-financeBase1.72MUSDC0%5.36%5.7%
AutofinanceBase24.39MUSDC2.26%8.65%5.69%
Hyperlend-pooledHyperliquid8.74MUSDC0%5.3%5.67%
Ipor-fusionBase1.73MUSDC0%5.21%5.47%
Yearn-financeEthereum1.07MUSDC0%4.63%5.33%
Benqi-lendingAvalanche4.23MUSDC0%4.57%5.29%
Euler-v2Arbitrum1.44MUSDC0%5.87%5.29%
Echelon-marketAptos12.20MUSDC0%4.8%5.28%
Yearn-financeEthereum2.74MUSDC0%4.77%5.11%
Harvest-financeBase1.49MUSDC0%5.43%5.1%
DeltaprimeArbitrum1.23MUSDC0%8.36%5.04%
Harmonix-financeArbitrum1.66MUSDC0%5.41%5%
DolomiteArbitrum2.52MUSDC0%4.64%5%
TermmaxEthereum1.06MUSDC0%4.49%4.96%
TermmaxEthereum1.06MUSDC0%4.49%4.96%
Navi-lendingSui14.91MUSDC1.33%5.22%4.8%
VesperEthereum2.42MUSDC0%3.9%4.71%
Gains-networkArbitrum14.26MUSDC0%11.05%4.63%
Euler-v2Ethereum22.73MUSDC0%4.89%4.57%
Euler-v2Ethereum31.71MUSDC0%4.52%4.49%
ExactlyOptimism1.81MUSDC0%4.43%4.41%
SparklendEthereum5MUSDC0%3.94%4.38%
ExactlyOptimism1.81MUSDC0%4.43%4.36%
Moonwell-lendingBase7.87MUSDC0.84%5.46%4.31%
AutofinanceArbitrum3.46MUSDC1.73%9%4.2%
Folks-finance-lendingAlgorand1.97MUSDC0%4.17%4.19%
ExactlyOptimism1.81MUSDC0%4.18%4.19%
ExactlyOptimism1.81MUSDC0%4.16%4.18%
Compound-v3Base1.48MUSDC0.57%3.97%4.16%
ExactlyOptimism1.81MUSDC0%4.51%4.15%
Flux-financeEthereum1.58MUSDC0%4.13%4.13%
ExactlyOptimism1.81MUSDC0%4.2%4.1%
Yearn-financeBase2.31MUSDC0%5.39%4.09%
Euler-v2Ethereum1.96MUSDC0%3.38%4.06%
Aave-v3Avalanche12.59MUSDC0%3.47%4.04%
Spark-savingsEthereum171.31MUSDC0%4%4%
Spark-savingsAvalanche205.39MUSDC0%4%4%
ExactlyOptimism1.81MUSDC0%3.94%3.98%
Aave-v3Linea1.12MUSDC0%3.04%3.97%
ExactlyOptimism1.81MUSDC0%3.86%3.9%
ExactlyOptimism1.81MUSDC0%3.78%3.82%
ExactlyOptimism1.81MUSDC0%3.4%3.71%
Aave-v3Base95.13MUSDC0%3.65%3.66%
Fluid-lendingEthereum288.87MUSDC1.29%4.78%3.66%
Fluid-lendingEthereum1.39MUSDC0%3.63%3.66%
Yearn-financeEthereum33.42MUSDC0%4.46%3.65%
Aave-v3Ethereum636.03MUSDC0%3.31%3.6%
GearboxMonad4.13MUSDC4.42%8.78%3.6%
NeverlandMonad1.83MUSDC13.21%19.41%3.54%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum826.9M5.26%
Avalanche6229.5M5.11%
Base15287M6.31%
BSC000%
Ethereum283.1B6.64%
Hyperliquid18.7M5.67%
Mantle000%
Optimism1018.1M4.08%
Polygon11.6M3.59%
Solana627.4M8.33%
TON000%
zkSync Era000%