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 3.52% on Jan 07 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
09/01/2026 12:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum4.82MUSDC0%40.66%36.19%
Hatom-lendingMultiversX1.27MUSDC0.33%18.36%18.74%
Bracket-vaultsEthereum8MUSDC0%16.68%15.58%
Blend-pools-v2Stellar4.98MUSDC0%13%14.2%
Blend-pools-v2Stellar1.26MUSDC0.79%15.4%13.51%
Euler-v2Avalanche1.95MUSDC0%8.04%13.5%
FranciumSolana2.44MUSDC0%13.15%13.15%
Gains-networkBase1.30MUSDC0%6.36%12.01%
AvantisBase99.53MUSDC0%9.97%10.85%
WasabiSolana1.97MUSDC0%10.08%10.64%
LiqwidCardano2.45MUSDC1.58%11%10.15%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
LoopscaleSolana1.18MUSDC1.12%10.1%8.82%
DeltaprimeAvalanche1.78MUSDC0%7.42%7.59%
WasabiBase10.35MUSDC0%9.28%7.3%
Ipor-fusionBase2.08MUSDC0%7.56%7.23%
Woofi-earnArbitrum1.17MUSDC0%7.7%7.12%
DeltaprimeArbitrum1.23MUSDC0%8.59%7.06%
Extra-finance-leverage-farmingBase5.43MUSDC0.08%7.11%6.81%
Yo-protocolBase29.65MUSDC0%7.08%6.72%
Harvest-financeBase3.45MUSDC0%7.15%6.68%
AutofinanceArbitrum3.12MUSDC1.71%9.31%6.64%
AutofinanceEthereum7.51MUSDC1.19%7.58%6.35%
LoopscaleSolana12.19MUSDC0%7.27%6.31%
Gains-networkArbitrum14.72MUSDC0%11.71%6.05%
AutofinanceBase24.68MUSDC2.34%8.89%5.91%
SaveSolana6.28MUSDC0%5.88%5.85%
Scallop-lendSui1.89MUSDC0%5.74%5.74%
Harvest-financeBase1.83MUSDC0%5.42%5.69%
Hyperlend-pooledHyperliquid8.89MUSDC0%5.41%5.59%
Harvest-financeBase1.73MUSDC0%5.41%5.53%
Yearn-financeBase2.25MUSDC0%5.39%5.33%
Harvest-financeEthereum1.08MUSDC0%5.09%5.26%
Ipor-fusionBase1.73MUSDC0%5.18%5.23%
Echelon-marketAptos13.14MUSDC0%4.79%5.06%
Benqi-lendingAvalanche5.04MUSDC0%4.46%5.03%
TermmaxEthereum1.06MUSDC0%4.7%4.99%
TermmaxEthereum1.06MUSDC0%4.7%4.99%
Euler-v2Ethereum20MUSDC0%5.04%4.87%
Moonwell-lendingBase6.02MUSDC0.88%5.46%4.85%
Yearn-financeEthereum6.85MUSDC0%4.81%4.85%
Harmonix-financeArbitrum1.80MUSDC0%5.82%4.66%
Yearn-financeEthereum2.49MUSDC0%3.91%4.55%
Euler-v2Ethereum32.21MUSDC0%4.47%4.46%
KiloexBase1.07MUSDC0%19.7%4.46%
Yearn-financeEthereum33.40MUSDC0%4.49%4.42%
ExactlyOptimism1.54MUSDC0%4.44%4.41%
Euler-v2Ethereum1.80MUSDC0%3.41%4.41%
Yearn-financeEthereum3.10MUSDC0%4%4.4%
VesperEthereum2.52MUSDC0%3.52%4.4%
ExactlyOptimism1.54MUSDC0%4.45%4.37%
ExactlyOptimism1.54MUSDC0%4.58%4.31%
Yearn-financeEthereum1.08MUSDC0%4.56%4.3%
Folks-finance-lendingAlgorand1.95MUSDC0%4.27%4.23%
ExactlyOptimism1.54MUSDC0%4.17%4.19%
ExactlyOptimism1.54MUSDC0%4.16%4.17%
Navi-lendingSui19.83MUSDC1.21%5.11%4.16%
ExactlyOptimism1.54MUSDC0%4.24%4.15%
Flux-financeEthereum1.57MUSDC0%4.13%4.13%
NeverlandMonad1.32MUSDC14.4%20.04%4.09%
DolomiteArbitrum4.38MUSDC0%4.59%4.07%
Spark-savingsAvalanche201.52MUSDC0%4%4%
Spark-savingsEthereum217.07MUSDC0%4%4%
ExactlyOptimism1.54MUSDC0%3.93%3.97%
Compound-v3Ethereum40.67MUSDC0.13%3.69%3.94%
ExactlyOptimism1.54MUSDC0%3.84%3.89%
ExactlyOptimism1.54MUSDC0%3.77%3.81%
SparklendEthereum8.53MUSDC0%3.94%3.71%
ExactlyOptimism1.54MUSDC0%3.35%3.7%
Aave-v3Base98.63MUSDC0%3.58%3.58%
Aave-v3Avalanche20.86MUSDC0%3.37%3.54%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum626.4M5.93%
Avalanche6233.7M6.31%
Base15289.7M6.55%
BSC000%
Ethereum272.1B6.35%
Hyperliquid18.9M5.59%
Mantle000%
Optimism1015.4M4.1%
Polygon000%
Solana626.5M8.24%
TON15.9M4.87%
zkSync Era000%