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
12/04/2026 21:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bracket-vaultsEthereum2.70MUSDC0%12.24%11.75%
AvantisBase62.45MUSDC0%9.36%10.74%
Spectra-metavaultsBase5.13MUSDC2.94%92.16%10.6%
GoldfinchEthereum37.25MUSDC0%10.03%10.06%
AbyssSui1.90MUSDC0%8.66%10.06%
AutofinanceArbitrum1.79MUSDC1.96%6.88%9.82%
Blend-pools-v2Stellar10.15MUSDC0%9.3%9.04%
LoopscaleSolana1.34MUSDC1.24%8.27%7.7%
Gains-networkArbitrum8.93MUSDC0%6.45%7.36%
SymbiosisEthereum1.45MUSDC0%5.68%6.9%
Zerobase-cedefiBSC1.24MUSDC2%8.89%6.76%
AccountableMonad2.13MUSDC3.43%9.6%6.31%
AutofinanceEthereum8.47MUSDC0.61%5.37%6.06%
Harvest-financeBase2.02MUSDC0%6.01%5.58%
Project-0Solana2.14MUSDC0%4.06%5.47%
Extra-finance-leverage-farmingBase4.31MUSDC0%5.08%5.23%
DeltaprimeAvalanche1.16MUSDC0%5.42%5.1%
LoopscaleSolana1.56MUSDC0%4.94%5.04%
Scallop-lendSui1.67MUSDC0%4.63%4.79%
AutofinanceEthereum8.75MUSDC0%4%4.78%
Yearn-financeEthereum1.67MUSDC0%5.06%4.75%
AutofinanceBase6.79MUSDC2.84%6.25%4.75%
Lazy-summer-protocolEthereum2.53MUSDC0.93%4.08%4.69%
Woofi-earnArbitrum1.18MUSDC0%4.74%4.66%
Wasabi-perpsBase3.66MUSDC0%4.14%4.66%
Yo-protocolEthereum10.97MUSDC12%14.11%4.64%
Yo-protocolBase27.67MUSDC12%14.12%4.64%
Hyperlend-pooledHyperliquid L112.98MUSDC0%3.99%4.6%
Yearn-financeEthereum3.71MUSDC0%4.25%4.21%
DolomiteEthereum14.10MUSDC0%5.8%4.2%
Benqi-lendingAvalanche5.25MUSDC0%3.93%4.19%
SparklendEthereum1.92MUSDC0%4.12%4.14%
ExactlyOptimism1.60MUSDC0%0.72%3.99%
Navi-lendingSui10.93MUSDC0.51%4.39%3.99%
ExactlyOptimism1.60MUSDC0%3.64%3.97%
ExactlyOptimism1.60MUSDC0%4.23%3.93%
Euler-v2Monad1.95MUSDC0%1.11%3.88%
LiqwidCardano1.11MUSDC0%3.27%3.87%
LiqwidCardano1.11MUSDC0%3.27%3.87%
Euler-v2Avalanche2.02MUSDC0%6.72%3.82%
Euler-v2Ethereum28.15MUSDC0%3.51%3.81%
Flux-financeEthereum2.43MUSDC0%3.86%3.77%
Spark-savingsEthereum400.90MUSDC0%3.75%3.75%
Spark-savingsAvalanche67.17MUSDC0%3.75%3.75%
NeverlandMonad17.66MUSDC4.28%8.45%3.73%
ExactlyOptimism1.60MUSDC0%3.26%3.69%
ExactlyOptimism1.60MUSDC0%1.27%3.65%
Folks-finance-lendingAlgorand2.04MUSDC0%3.44%3.63%
Fluid-lendingBase10.04MUSDC2.12%6.3%3.63%
ExactlyOptimism1.60MUSDC0%3.99%3.62%
Yearn-financeBase2.47MUSDC0%3.27%3.61%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum419.8M7.21%
Avalanche577.8M4.13%
Base9124.5M5.94%
BSC338M8.17%
Ethereum192.6B5.28%
Hyperliquid000%
Mantle000%
Optimism69.6M3.81%
Polygon11.6M3.99%
Solana35M6.07%
TON13.9M4.13%
zkSync Era000%