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 3.75% on Jul 22 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
24/07/2026 05:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableMonad7.53MUSDC1.35%37.55%17.86%
AccountableMonad92.10MUSDC0.19%13.95%17.6%
Ember-protocolSui5.68MUSDC0%6.67%15.31%
AccountableEthereum1.05MUSDC0%14.25%14.25%
AccountableEthereum1.05MUSDC0%14.25%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum8.26MUSDC0%12.93%12.9%
AccountableEthereum3.51MUSDC11.55%16.83%11.9%
AccountableEthereum2.20MUSDC0%11.2%11.64%
Harvest-financeBase1.87MUSDC0%12.77%11.55%
Aave-v3Ethereum27.04MUSDC0%3.69%10.89%
Pareto-creditEthereum15.17MUSDC0%10.59%10.59%
Midas-rwaMonad1.86MUSDC0%10.56%10.57%
Midas-rwaEthereum48.96MUSDC0%10.56%10.57%
GoldfinchEthereum35.95MUSDC0%10.09%10.21%
Midas-rwaEthereum70.47MUSDC0%12.01%10.21%
Ember-protocolSui1.09MUSDC0%9.86%10.2%
AccountableMonad5.91MUSDC0.43%10.48%10%
Midas-rwaEthereum6.97MUSDC0%8.89%9.71%
Ember-protocolSui1.21MUSDC0%9.45%9.5%
AccountableMonad10.06MUSDC0.46%9.86%9.4%
Pareto-creditEthereum2.13MUSDC0%9.38%9.38%
Bracket-vaultsEthereum2.65MUSDC0%9.51%9.29%
Midas-rwaEtherlink4.78MUSDC0%7.62%9.22%
Ember-protocolEthereum3.31MUSDC0%8.99%8.71%
Ember-protocolSui4.95MUSDC0%8.92%8.67%
Pareto-creditEthereum169.28MUSDC0%8.31%8.31%
Blend-pools-v2Stellar11.41MUSDC0%7.36%8.14%
Midas-rwaEthereum6.65MUSDC0%7.87%8.09%
Midas-rwaEthereum2.50MUSDC0%7.86%8.09%
Ember-protocolSui7.36MUSDC4%12%8%
Midas-rwaEthereum4.54MUSDC0%6.6%7.82%
Harmonix-financeHyperliquid L119.74MUSDC0%8.72%7.61%
Yearn-financeEthereum6.17MUSDC0%6.32%7.58%
YieldseekerBase1.97MUSDC0%8.41%7.55%
AvantisBase20.96MUSDC0%9.45%7.42%
AccountableMonad1.83MUSDC0.5%7.4%7.28%
Pareto-creditEthereum21.81MUSDC0%7.13%7.13%
Midas-rwaEthereum1.98MUSDC0%10.06%7.11%
Gami-labsStellar16.92MUSDC0%7%7%
LoopscaleSolana1.51MUSDC0.22%7.56%6.91%
Ember-protocolEthereum16.92MUSDC0%7.43%6.81%
Ember-protocolSui1.09MUSDC5.22%11.63%6.78%
Zerobase-cedefiBSC2.07MUSDC2%8.76%6.76%
Ember-protocolSui1.35MUSDC0%8.1%6.61%
AutofinanceEthereum8.70MUSDC0.43%6.73%6.5%
Gains-networkArbitrum6.40MUSDC0%5.96%6.47%
Extra-finance-leverage-farmingBase3.51MUSDC0%6.3%6.26%
Kamino-lendSolana4.93MUSDC0%6.95%6.22%
Yearn-financeEthereum1.18MUSDC0%4.96%6.1%
Yearn-financeEthereum9.11MUSDC0%6.06%6.08%
Hyperlend-pooledHyperliquid L111.29MUSDC0%7%5.93%
Harvest-financeEthereum1.17MUSDC0%7.26%5.75%
AutofinanceBase5.33MUSDC2.47%7.29%5.73%
Fusion-by-iporEthereum2.70MUSDC0%6.01%5.52%
Fluid-lendingEthereum141.63MUSDC0%5.89%5.4%
Fluid-lendingEthereum9.12MUSDC0%5.67%5.4%
Euler-v2Monad2.16MUSDC2.63%6.87%5.3%
Fluid-lendingBase8.80MUSDC0%5.42%5.24%
Navi-lendingSui6.24MUSDC0.45%5.71%5.19%
Fluid-lendingArbitrum35.79MUSDC0%5.71%5.12%
Yearn-financeBase1.77MUSDC0%4.97%4.96%
LoopscaleSolana1.48MUSDC0%5.92%4.96%
Euler-v2Ethereum8.09MUSDC0%3.49%4.62%
Kamino-lendSolana4.96MUSDC0%4.75%4.59%
ExactlyOP Mainnet1.74MUSDC0%4.24%4.33%
Yo-protocolBase10.01MUSDC0%4.11%4.32%
Yo-protocolEthereum2.38MUSDC0%4.11%4.32%
ExactlyOP Mainnet1.74MUSDC0%4.2%4.26%
ExactlyOP Mainnet1.74MUSDC0%4.16%4.24%
ExactlyOP Mainnet1.74MUSDC0%4.07%4.19%
ExactlyOP Mainnet1.74MUSDC0%4.11%4.17%
Moonwell-lendingBase2.10MUSDC0.34%5.03%4.11%
ExactlyOP Mainnet1.74MUSDC0%3.91%4.09%
TermmaxEthereum4.39MUSDC0%3.49%4.09%
ExactlyOP Mainnet1.74MUSDC0%4%4.05%
ExactlyOP Mainnet1.74MUSDC0%3.62%4.04%
SymbiosisEthereum1.19MUSDC0%5.33%3.98%
TermmaxBase1.20MUSDC0%3.87%3.84%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum349.8M6.2%
Avalanche000%
Base1057.5M6.1%
BSC764.7M7.58%
Ethereum381.7B7.84%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon22.4M7.41%
Solana412.9M5.67%
TON13.6M5.75%
zkSync Era000%