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 3.74% on Aug 05 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
07/08/2026 07:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
AccountableMonad7.62MUSDC0.94%31.21%25%
Midas-rwaEthereum1.73MUSDC0%9.74%17.5%
AccountableMonad100.18MUSDC0.27%16.49%16%
Midas-rwaEtherlink4.79MUSDC0%8.25%14.91%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum7.23MUSDC0%12.85%12.9%
Aave-v3Ethereum1.11MUSDC0%3.67%12.53%
AccountableEthereum2.23MUSDC0%10.83%11.53%
Ember-protocolSui1.21MUSDC0%10.62%11.06%
AccountableEthereum3.92MUSDC10.19%21.18%10.96%
AvantisBase20.97MUSDC0%9.41%10.63%
Pareto-creditEthereum15.29MUSDC0%10.59%10.58%
Harvest-financeBase1.87MUSDC0%12.26%10.49%
Ember-protocolSui1.31MUSDC0%8.41%10.48%
Midas-rwaEthereum71.69MUSDC0%10.26%10.25%
GoldfinchEthereum35.94MUSDC0%10.13%10.21%
Ember-protocolSui6.27MUSDC0%9.1%10.01%
AccountableMonad1.03MUSDC0%10.32%10%
AccountableMonad1.03MUSDC0%10.32%10%
Midas-rwaEthereum27.21MUSDC0%3.35%10%
YieldseekerBase1.25MUSDC0%8.86%9.89%
Nawa-protocolZIGChain3.82MUSDC0%9.12%9.74%
Ember-protocolEthereum3.32MUSDC0%9.38%9.68%
Pareto-creditEthereum2.14MUSDC0%9.38%9.38%
Ember-protocolEthereum5.91MUSDC0%6.62%9.35%
Bracket-vaultsEthereum2.59MUSDC0%9.35%9.3%
Midas-rwaEtherlink1.12MUSDC0%6.17%9.23%
Midas-rwaEthereum6.40MUSDC0%6.15%9.23%
Midas-rwaEthereum8.07MUSDC0%9.37%9.09%
Midas-rwaEthereum37.36MUSDC0%10.08%9.01%
Native-credit-poolEthereum5.80MUSDC0%3.74%8.78%
Pareto-creditEthereum167.55MUSDC0%8.27%8.02%
Ember-protocolSui8.19MUSDC4%12%8%
AccountableMonad10.08MUSDC0.5%9.44%7.67%
AccountableMonad1.73MUSDC0.47%7.64%7.52%
Extra-finance-leverage-farmingBase3.22MUSDC0%6.68%7.27%
Euler-v2Monad1.60MUSDC2.64%9.07%7.21%
Pareto-creditEthereum21.86MUSDC0%7.13%7.13%
Yearn-financeEthereum7.03MUSDC0%7.06%6.92%
LoopscaleSolana1.36MUSDC0.24%7.14%6.92%
Blend-pools-v2Stellar13.98MUSDC0%7.55%6.78%
Zerobase-cedefiBSC2.02MUSDC2%8.76%6.76%
Yearn-financeEthereum1.19MUSDC0%5.74%6.45%
SentoraEthereum40.76MUSDC0%6.38%6.38%
Ember-protocolSui1.07MUSDC0%9.74%6.36%
Ember-protocolEthereum17.06MUSDC0%6.71%6.2%
Midas-rwaEthereum6.67MUSDC0%7.71%6.14%
Midas-rwaEthereum2.50MUSDC0%7.7%6.14%
Harvest-financeEthereum1.15MUSDC0%6.38%5.93%
Harmonix-financeHyperliquid L118.77MUSDC0%7.68%5.92%
Centrifuge-protocolAvalanche260.87MUSDC0%3.88%5.84%
Centrifuge-protocolBase50.30MUSDC0%3.88%5.84%
Centrifuge-protocolEthereum5.73MUSDC0%3.89%5.83%
Yearn-financeEthereum8.99MUSDC0%5.97%5.76%
Hyperlend-pooledHyperliquid L113.36MUSDC0%7.31%5.74%
Ember-protocolSui1.16MUSDC4.35%11.67%5.73%
Euler-v2Ethereum6.06MUSDC0%4.39%5.53%
Fusion-by-iporBase1.09MUSDC2.5%7.88%5.45%
AutofinanceEthereum8.54MUSDC0.41%6.52%5.29%
Fluid-lendingBase9.06MUSDC0%5.32%5.29%
Kamino-lendSolana2.57MUSDC0%4.6%5.27%
Fluid-lendingEthereum9.07MUSDC0%5.25%5.24%
Fluid-lendingEthereum147.58MUSDC0%5.25%5.24%
Navi-lendingSui6.23MUSDC0.41%5.57%5.16%
AutofinanceBase4.91MUSDC2.61%7.88%5.15%
SymbiosisEthereum1.19MUSDC0%4.47%5.1%
Fluid-lendingArbitrum38.01MUSDC0%5.28%5.03%
Yearn-financeBase1.78MUSDC0%4.95%4.91%
LoopscaleSolana1.66MUSDC0%5.39%4.81%
Fusion-by-iporEthereum1.57MUSDC0%5.83%4.79%
Jupiter-lendSolana416.99MUSDC0.72%4.7%4.67%
Alchemix-v3Ethereum7.48MUSDC0%4.52%4.56%
Ember-protocolSui5.67MUSDC0%5.97%4.53%
Benqi-lendingAvalanche3.24MUSDC0%3.94%4.53%
Yo-protocolBase9.83MUSDC0%4.2%4.46%
Yo-protocolEthereum2.28MUSDC0%4.2%4.46%
ExactlyOP Mainnet1.55MUSDC0%4.32%4.36%
ExactlyOP Mainnet1.55MUSDC0%4.25%4.29%
Aave-v3Avalanche5.15MUSDC0%3.66%4.26%
Moonwell-lendingBase1.80MUSDC0.32%4.68%4.25%
ExactlyOP Mainnet1.55MUSDC0%4.17%4.24%
ExactlyOP Mainnet1.55MUSDC0%4.16%4.2%
Kamino-lendSolana11.37MUSDC0%4.06%4.19%
ExactlyOP Mainnet1.55MUSDC0%4.06%4.15%
DolomiteArbitrum1.50MUSDC0%4.65%4.15%
ExactlyOP Mainnet1.55MUSDC0%4.05%4.11%
ExactlyOP Mainnet1.55MUSDC0%4.15%4%
ExactlyOP Mainnet1.55MUSDC0%3.68%4%
Centrifuge-protocolMonad10.03MUSDC0%5.88%3.84%
Centrifuge-protocolPlume Mainnet32.96MUSDC0%2.77%3.84%
Midas-rwaEthereum4.55MUSDC0%5.86%3.78%
AmpleBase4.40MUSDC0%4.15%3.76%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum347.1M5.39%
Avalanche3269.3M4.88%
Base12110.5M6.45%
BSC448.6M6.88%
Ethereum411.8B7.69%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.4M55.46%
Solana5434M5.17%
TON13.2M5.64%
zkSync Era000%