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 3.64% on Apr 06 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
08/04/2026 08:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Yearn-financeEthereum4.73MUSDC0%4600.08%212.73%
WasabiSolana1.17MUSDC0%4.8%15.24%
DolomiteEthereum4.74MUSDC0%5.63%14.84%
Bracket-vaultsEthereum2.71MUSDC0%12.41%11.9%
Spectra-metavaultsBase5.15MUSDC3.04%106.26%10.51%
GoldfinchEthereum37.25MUSDC0%10.02%10.06%
AvantisBase64.98MUSDC0%9.35%9.52%
Blend-pools-v2Stellar9.80MUSDC0%9.3%9.21%
AbyssSui1.90MUSDC0%8.49%8.91%
Harvest-financeBase2.02MUSDC0%5.88%7.89%
Gains-networkArbitrum8.92MUSDC0%6.69%7.41%
AccountableMonad2.11MUSDC2.98%9.58%6.79%
Zerobase-cedefiBSC1.32MUSDC2%8.93%6.76%
SymbiosisEthereum1.04MUSDC0%5.36%6.52%
SymbiosisEthereum1.04MUSDC0%5.36%6.52%
Project-0Solana1.59MUSDC0%3.16%6.05%
WasabiBase3.33MUSDC0%3.91%5.81%
AutofinanceEthereum9.22MUSDC0.59%5.31%5.11%
Extra-finance-leverage-farmingBase4.12MUSDC0%5.1%5.08%
Yo-protocolBase28.06MUSDC0%14.55%5.04%
Yo-protocolEthereum11.13MUSDC0%14.09%5.04%
DeltaprimeAvalanche1.17MUSDC0%5.52%5.03%
Scallop-lendSui1.62MUSDC0%4.53%4.89%
AutofinanceEthereum8.75MUSDC0%3.78%4.78%
Woofi-earnArbitrum1.14MUSDC0%4.91%4.74%
AutofinanceBase8.58MUSDC2.24%5.97%4.6%
Navi-lendingSui8.02MUSDC0.59%4.53%4.5%
Hyperlend-pooledHyperliquid L114.38MUSDC0%3.89%4.36%
ExactlyOptimism1.71MUSDC0%4.24%4.3%
ExactlyOptimism1.71MUSDC0%4.14%4.19%
SparklendEthereum1.88MUSDC0%4.13%4.14%
ExactlyOptimism1.71MUSDC0%4.03%4.09%
Yearn-financeEthereum3.74MUSDC0%4.39%4.07%
ExactlyOptimism1.71MUSDC0%3.63%4.01%
ExactlyOptimism1.71MUSDC0%4.12%3.93%
Benqi-lendingAvalanche5.96MUSDC0%3.92%3.9%
ExactlyOptimism1.71MUSDC0%3.69%3.84%
Fluid-lendingArbitrum30.48MUSDC1.08%5.75%3.83%
NeverlandMonad16.30MUSDC4.49%8.59%3.79%
Euler-v2Ethereum28.67MUSDC0%3.41%3.77%
Flux-financeEthereum2.45MUSDC0%3.93%3.76%
ExactlyOptimism1.71MUSDC0%3.22%3.76%
Spark-savingsAvalanche70.53MUSDC0%3.75%3.75%
Spark-savingsEthereum388.08MUSDC0%3.75%3.75%
Euler-v2Avalanche2.03MUSDC0%6.44%3.74%
ExactlyOptimism1.71MUSDC0%2.8%3.67%
Folks-finance-lendingAlgorand2.03MUSDC0%3.41%3.67%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum448.5M5.75%
Avalanche582M4.06%
Base7116.2M6.92%
BSC337.2M8.17%
Ethereum172.5B18.37%
Hyperliquid000%
Mantle000%
Optimism813.7M3.97%
Polygon23M3.74%
Solana22.8M10.65%
TON000%
zkSync Era000%