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 3.60% on Apr 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
11/04/2026 21:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bracket-vaultsEthereum2.70MUSDC0%12.27%11.78%
Spectra-metavaultsBase5.13MUSDC2.95%94.89%10.6%
AvantisBase62.06MUSDC0%9.32%10.53%
AbyssSui1.90MUSDC0%8.61%10.38%
GoldfinchEthereum37.25MUSDC0%10.02%10.06%
AutofinanceArbitrum1.79MUSDC1.99%6.7%9.93%
Blend-pools-v2Stellar10.08MUSDC0%9.3%9.08%
LoopscaleSolana1.07MUSDC1.25%8.23%7.79%
LoopscaleSolana1.07MUSDC1.25%8.23%7.79%
Gains-networkArbitrum8.93MUSDC0%6.48%7.36%
SymbiosisEthereum1.11MUSDC0%5.61%6.9%
Zerobase-cedefiBSC1.18MUSDC2%8.9%6.76%
Wasabi-perpsSolana1.29MUSDC0%5.08%6.68%
AccountableMonad2.13MUSDC3.61%9.61%6.31%
Project-0Solana1.68MUSDC0%3.92%5.94%
AutofinanceEthereum8.48MUSDC0.65%5.34%5.8%
Harvest-financeBase2.02MUSDC0%6.01%5.57%
Yearn-financeEthereum1.67MUSDC0%5%5.32%
Extra-finance-leverage-farmingBase4.33MUSDC0%5.1%5.2%
Euler-v2Monad1.79MUSDC0%0.97%5.04%
LoopscaleSolana1.56MUSDC0%4.91%5.03%
DeltaprimeAvalanche1.17MUSDC0%5.44%5%
Scallop-lendSui1.68MUSDC0%4.61%4.77%
Woofi-earnArbitrum1.14MUSDC0%4.74%4.74%
AutofinanceEthereum8.75MUSDC0%3.96%4.65%
AutofinanceBase6.79MUSDC3.1%6.17%4.64%
Hyperlend-pooledHyperliquid L113.22MUSDC0%3.96%4.54%
Yo-protocolBase27.70MUSDC12%14.13%4.46%
Yo-protocolEthereum11.04MUSDC12%14.02%4.46%
Lazy-summer-protocolEthereum4.53MUSDC0.48%4.03%4.36%
DolomiteEthereum12.36MUSDC0%5.8%4.33%
Wasabi-perpsBase3.60MUSDC0%4.08%4.26%
Yearn-financeEthereum3.71MUSDC0%4.36%4.22%
Benqi-lendingAvalanche5.28MUSDC0%3.92%4.18%
SparklendEthereum1.91MUSDC0%4.12%4.14%
ExactlyOptimism1.61MUSDC0%3.64%3.97%
ExactlyOptimism1.61MUSDC0%4.23%3.94%
LiqwidCardano1.11MUSDC0%3.4%3.86%
Euler-v2Avalanche2.02MUSDC0%6.8%3.82%
Navi-lendingSui12.08MUSDC0.52%4.43%3.81%
Euler-v2Ethereum28.16MUSDC0%3.48%3.81%
Flux-financeEthereum2.43MUSDC0%3.88%3.77%
Folks-finance-lendingAlgorand1.93MUSDC0%3.43%3.77%
Spark-savingsEthereum406.81MUSDC0%3.75%3.75%
Spark-savingsAvalanche67.52MUSDC0%3.75%3.75%
ExactlyOptimism1.61MUSDC0%3.16%3.7%
NeverlandMonad17.57MUSDC4.31%8.48%3.69%
ExactlyOptimism1.61MUSDC0%1.14%3.65%
Fluid-lendingArbitrum31.12MUSDC1.04%5.84%3.63%
ExactlyOptimism1.61MUSDC0%4%3.62%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum550.9M6.53%
Avalanche578.3M4.09%
Base7111.6M6.46%
BSC338.2M8.17%
Ethereum182.5B5.36%
Hyperliquid000%
Mantle000%
Optimism58M3.77%
Polygon11.7M3.95%
Solana56.7M6.65%
TON13.9M4.01%
zkSync Era000%