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 3.62% on Mar 30 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
01/04/2026 06:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bracket-vaultsEthereum2.72MUSDC0%12.69%12.11%
GoldfinchEthereum37.74MUSDC0%10.01%10.01%
Blend-pools-v2Stellar9.08MUSDC0%9.33%9.52%
Spectra-metavaultsBase5.04MUSDC1.79%9.03%8.52%
AbyssSui1.90MUSDC0%8.63%7.96%
AvantisBase69.23MUSDC0%9.69%7.8%
WasabiBase3.86MUSDC0%4.12%7.34%
LoopscaleSolana1.71MUSDC1.23%7.85%6.96%
AccountableMonad2.02MUSDC2.19%9.48%6.79%
Zerobase-cedefiBSC1.32MUSDC2%8.98%6.76%
Yearn-financeEthereum6.73MUSDC0%5.54%5.99%
Harvest-financeBase2.01MUSDC0%5.29%5.72%
Gains-networkArbitrum8.91MUSDC0%7.21%5.58%
Scallop-lendSui1.34MUSDC0%4.3%5.4%
LoopscaleSolana1.23MUSDC0%4.47%5.36%
Fluid-lendingArbitrum32.40MUSDC0.99%5.5%5.18%
DeltaprimeAvalanche1.16MUSDC0%5.62%5.09%
Extra-finance-leverage-farmingBase4.29MUSDC0%5.23%4.76%
Woofi-earnArbitrum1.14MUSDC0%5.5%4.74%
Woofi-earnArbitrum1.14MUSDC0%5.5%4.74%
Yo-protocolEthereum12.10MUSDC12%17.2%4.73%
Yo-protocolBase28.38MUSDC12%17.15%4.73%
AutofinanceEthereum9.11MUSDC0.49%5.66%4.67%
AutofinanceEthereum8.74MUSDC0%2.62%4.66%
DolomiteEthereum9.23MUSDC0%5.2%4.55%
AutofinanceBase8.58MUSDC2.05%5.86%4.49%
Benqi-lendingAvalanche4.89MUSDC0%3.8%4.3%
ExactlyOptimism1.70MUSDC0%4.21%4.27%
Yearn-financeEthereum2.01MUSDC0%5.01%4.26%
ExactlyOptimism1.70MUSDC0%4.12%4.16%
Lazy-summer-protocolEthereum4.53MUSDC0.54%3.91%4.16%
SparklendEthereum1.92MUSDC0%3.99%4.12%
Euler-v2Avalanche3MUSDC0%6.3%4.09%
Navi-lendingSui10.37MUSDC0.5%4.71%4.08%
ExactlyOptimism1.70MUSDC0%4.01%4.05%
ExactlyOptimism1.70MUSDC0%4.17%4.01%
TermmaxEthereum2.01MUSDC0%0.65%4.01%
TermmaxEthereum2.74MUSDC0%0.61%4.01%
TermmaxEthereum10.94MUSDC0%0.59%4.01%
ExactlyOptimism1.70MUSDC0%3.29%3.99%
Hyperlend-pooledHyperliquid L121MUSDC0%3.92%3.94%
ExactlyOptimism1.70MUSDC0%3.22%3.78%
Euler-v2Ethereum37.43MUSDC0%3.97%3.78%
Fluid-lendingBase9.52MUSDC2.25%5.66%3.77%
Flux-financeEthereum2.46MUSDC0%4.03%3.76%
Spark-savingsAvalanche73.20MUSDC0%3.81%3.75%
Spark-savingsEthereum454.42MUSDC0%3.81%3.75%
NeverlandMonad16.07MUSDC4.73%9.02%3.72%
ExactlyOptimism1.70MUSDC0%3.68%3.63%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum551.5M5.45%
Avalanche482.2M4.31%
Base8130.9M5.89%
BSC339.5M8.51%
Ethereum212.7B5.07%
Hyperliquid000%
Mantle000%
Optimism711.9M3.98%
Polygon000%
Solana22.9M6.16%
TON000%
zkSync Era000%