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 3.58% on Jan 27 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
29/01/2026 10:30:02

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum4.89MUSDC0%35.13%32.28%
Bracket-vaultsEthereum7.17MUSDC0%15.62%15.15%
Gains-networkArbitrum12.39MUSDC0%7.62%14.56%
FranciumSolana2.44MUSDC0%13.15%13.15%
Gains-networkBase2.19MUSDC0%8.97%12.89%
Blend-pools-v2Stellar1.38MUSDC0.86%14.56%12.63%
Blend-pools-v2Stellar5.78MUSDC0%12.72%12.37%
LiqwidCardano2.33MUSDC1.58%12.41%10.39%
GoldfinchEthereum37.74MUSDC0%10.01%10.01%
AvantisBase100.65MUSDC0%10.76%9.59%
Moar-marketAptos1.14MUSDC4.66%16.66%9.17%
Ipor-fusionBase1.93MUSDC0%7.59%8.5%
AutofinanceEthereum12.83MUSDC0.52%8.57%8.4%
LoopscaleSolana2.54MUSDC0.56%9.33%7.94%
Yo-protocolBase26.05MUSDC0%7.11%7.21%
Woofi-earnArbitrum1.19MUSDC0%7.19%7.17%
WasabiBase9.74MUSDC0%7.75%7.16%
DeltaprimeAvalanche1.84MUSDC0%7.34%6.82%
Yearn-financeEthereum25.91MUSDC0%4.76%6.81%
Euler-v2Avalanche1.85MUSDC0%9.28%6.7%
Hyperlend-pooledHyperliquid6.90MUSDC0%5.37%6.66%
Ipor-fusionEthereum1.28MUSDC0%4.79%6.29%
Yearn-financeEthereum1.10MUSDC0%4.63%6.26%
Extra-finance-leverage-farmingBase6.22MUSDC0.13%6.68%6.23%
Yearn-financeEthereum33.49MUSDC0%4.47%6.22%
DolomiteArbitrum2.09MUSDC0%4.64%5.83%
LoopscaleSolana14.15MUSDC0%6.25%5.82%
AutofinanceBase22.80MUSDC1.85%8.04%5.55%
Scallop-lendSui1.99MUSDC0%5.72%5.47%
Harvest-financeBase3.43MUSDC0%6.58%5.47%
WasabiSolana1.65MUSDC0%10.08%5.46%
Fluid-lendingEthereum2.89MUSDC0%3.52%5.34%
Fluid-lendingEthereum366.91MUSDC0.95%4.69%5.34%
Harmonix-financeArbitrum1.34MUSDC0%5.04%5.32%
Harvest-financeEthereum1.08MUSDC0%5.08%5.27%
Silo-v2Avalanche3.15MUSDC0%7.57%5.17%
Harvest-financeBase1.56MUSDC0%5.33%5.03%
TermmaxEthereum1.07MUSDC0%4.9%4.91%
TermmaxEthereum1.07MUSDC0%4.9%4.91%
Yearn-financeBase2.33MUSDC0%4.86%4.91%
Euler-v2Ethereum36.26MUSDC0%4.57%4.9%
Compound-v3Ethereum39.36MUSDC0.11%3.88%4.89%
Euler-v2Ethereum22.92MUSDC0%4.69%4.83%
Aave-v3Ethereum7.45MUSDC0%4.82%4.82%
AutofinanceEthereum8.69MUSDC0%1.3%4.79%
Benqi-lendingAvalanche6.18MUSDC0%4.84%4.71%
Ipor-fusionBase1.56MUSDC0%4.99%4.67%
Echelon-marketAptos16.16MUSDC0%4.74%4.45%
ExactlyOptimism1.84MUSDC0%4.41%4.39%
SparklendEthereum5.43MUSDC0%3.95%4.28%
DolomiteEthereum11.21MUSDC0%3.43%4.28%
Navi-lendingSui12.18MUSDC0.85%5.71%4.26%
VesperEthereum2.56MUSDC0%4.12%4.25%
ExactlyOptimism1.84MUSDC0%4.19%4.21%
ExactlyOptimism1.84MUSDC0%4.18%4.21%
Folks-finance-lendingAlgorand1.89MUSDC0%4.24%4.19%
Flux-financeEthereum1.56MUSDC0%4.13%4.14%
AutofinanceArbitrum1.58MUSDC2.26%7.48%4.09%
Aave-v3Ethereum397.54MUSDC0%3.56%4.07%
Aave-v3Base57.85MUSDC0%3.55%4.06%
ExactlyOptimism1.84MUSDC0%4.22%4.05%
ExactlyOptimism1.84MUSDC0%3.98%4.03%
NeverlandMonad2.83MUSDC9.64%17.24%4.01%
Spark-savingsAvalanche162.90MUSDC0%4%4%
Spark-savingsEthereum177.85MUSDC0%4%4%
Aave-v3Avalanche13.26MUSDC0%3.72%3.99%
ExactlyOptimism1.84MUSDC0%3.91%3.97%
ExactlyOptimism1.84MUSDC0%3.83%3.88%
Moonwell-lendingBase9.97MUSDC0.58%4.95%3.82%
ExactlyOptimism1.84MUSDC0%3.72%3.82%
Compound-v3Base1.50MUSDC0.51%3.85%3.77%
ExactlyOptimism1.84MUSDC0%3.97%3.69%
Takara-lendSei1.46MUSDC4.02%8.82%3.62%
ExactlyOptimism1.84MUSDC0%3.49%3.61%
Polynomial-liquidityPolynomial1.38MUSDC0%3.08%3.58%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum518.6M7.4%
Avalanche7192.3M5.03%
Base14247.8M6.35%
BSC000%
Ethereum333.1B6.58%
Hyperliquid16.9M6.66%
Mantle000%
Optimism1018.4M3.99%
Polygon22.9M3.8%
Solana420.8M8.1%
TON15.9M5.51%
zkSync Era000%