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 % on ). 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
11/09/2026 09:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Harvest-financeBase2.06MUSDC0%17.97%133.17%
AccountableEthereum1.96MUSDC18.89%28.35%26.8%
Gains-networkArbitrum4.61MUSDC0%10.41%25.52%
EnsuroEthereum1.15MUSDC0%21.58%20.72%
Neutral-tradeSolana2.25MUSDC0%28.76%19.25%
AvantisBase10.56MUSDC0%6.93%18.66%
AccountableMonad7.50MUSDC0.93%17.92%16.09%
Neutral-tradeSolana2.34MUSDC0%10.55%16.02%
AccountableEthereum1.07MUSDC0%15.32%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Ember-protocolEthereum6.92MUSDC0%12.86%12.9%
AccountableEthereum11.74MUSDC0%11.91%12.51%
Fusion-by-iporEthereum1.04MUSDC0%7.81%12.08%
Midas-rwaEthereum26.37MUSDC0%4.74%11.87%
AccountableMonad5.04MUSDC0.42%12.11%11.64%
Nawa-protocolZIGChain3.43MUSDC0%8.51%11.63%
AccountableMonad74.99MUSDC0.26%12.76%11.4%
Ember-protocolEthereum10.28MUSDC0%9.67%10.76%
Pareto-creditEthereum11.01MUSDC0%10.59%10.59%
AguaEthereum6.01MUSDC0%10%10%
Ember-protocolSui8.01MUSDC0%10.2%10%
Ember-protocolEthereum3.32MUSDC0%9.57%9.43%
Pareto-creditEthereum2.18MUSDC0%9.38%9.38%
Ember-protocolEthereum17.33MUSDC0%9.05%9.19%
Ember-protocolSui1.37MUSDC0%10.09%9.02%
Midas-rwaEthereum2.52MUSDC0%7.51%8.32%
Midas-rwaEthereum6.72MUSDC0%7.48%8.04%
YieldseekerBase1.02MUSDC0%8.76%8.02%
Ember-protocolSui9.22MUSDC4%12%8%
SymbiosisEthereum1.28MUSDC0%4.92%7.89%
Sentora-curatorEthereum69.20MUSDC0%6.66%7.82%
Pareto-creditEthereum148.52MUSDC0%7.95%7.82%
Midas-rwaEthereum1.70MUSDC0%9.7%7.69%
Midas-rwaEthereum65.18MUSDC0%8.35%7.55%
Harvest-financeBase1.04MUSDC0%6.72%7.5%
Midas-rwaEthereum7.75MUSDC0%8.13%7.41%
Blend-pools-v2Stellar10.50MUSDC0%6.8%7.23%
Harmonix-financeHyperliquid L120.90MUSDC0%6.69%7.21%
Euler-v2Monad1.15MUSDC1.25%8.93%7.17%
Fusion-by-iporBase1.04MUSDC0%6.18%7.15%
Zerobase-cedefiBase10.54MUSDC2%9%7%
Fusion-by-iporEthereum2.60MUSDC0%5.93%6.92%
Yearn-financeEthereum6.08MUSDC0%6.63%6.92%
LoopscaleSolana1.34MUSDC0.32%6.96%6.87%
Kamino-lendSolana5.57MUSDC0%7.23%6.85%
Midas-rwaEthereum31.36MUSDC0%6.5%6.8%
Yearn-financeEthereum9.30MUSDC0%6.6%6.79%
AccountableMonad1.65MUSDC0.36%7.6%6.79%
Zerobase-cedefiBSC2.01MUSDC2%8.76%6.76%
Pareto-creditEthereum22.01MUSDC0%7.06%6.62%
Fusion-by-iporEthereum1.29MUSDC0%5.89%6.61%
Neutral-tradeSolana3.36MUSDC0%5.28%6.59%
Harvest-financeEthereum1.16MUSDC0%9.59%6.39%
Extra-finance-leverage-farmingBase3.81MUSDC0%6.85%6.03%
Benqi-lendingAvalanche1.55MUSDC0%4.55%5.91%
Kamino-lendSolana2.39MUSDC0%5.9%5.74%
AccountableMonad9.37MUSDC0.41%6.85%5.67%
Alchemix-v3Ethereum7.77MUSDC0%5.06%5.64%
SymbioticEthereum1.01MUSDC0%5.7%5.61%
SymbioticEthereum1.01MUSDC0%5.7%5.61%
AutofinanceBase3.54MUSDC5.03%8.4%5.58%
Centrifuge-protocolAvalanche262.20MUSDC0%5.14%5.39%
Centrifuge-protocolBase50.56MUSDC0%5.14%5.39%
Hyperlend-pooledHyperliquid L118.83MUSDC0%6%5.22%
AutofinanceEthereum7.70MUSDC0.98%5.98%5.22%
Yearn-financeBase1.74MUSDC0%5%5.04%
Fluid-lendingBase9.15MUSDC0%5.02%5.03%
CurvanceMonad1.20MUSDC1.96%9.24%5.02%
Navi-lendingSui7.30MUSDC0.41%5.54%4.96%
AccountableEthereum3.21MUSDC0%11.83%4.95%
Native-credit-poolEthereum1.14MUSDC0%4.7%4.93%
Yo-protocolBase8.42MUSDC0%4.08%4.7%
Yo-protocolEthereum1.35MUSDC0%4.08%4.7%
Fusion-by-iporBase1.13MUSDC3.5%7.43%4.69%
Aave-v4Ethereum1.57MUSDC0%4%4.59%
Yearn-financeBase1.01MUSDC0%4.4%4.42%
ExactlyOP Mainnet1.73MUSDC0%4.37%4.39%
DolomiteArbitrum1.29MUSDC0%4.37%4.37%
Fluid-lendingEthereum158.10MUSDC0%4.94%4.34%
Fluid-lendingEthereum3.95MUSDC0%4.94%4.34%
ExactlyOP Mainnet1.73MUSDC0%4.32%4.33%
ExactlyOP Mainnet1.73MUSDC0%4.28%4.32%
ExactlyOP Mainnet1.73MUSDC0%4.22%4.26%
Fluid-lendingArbitrum61.47MUSDC0%4.29%4.25%
ExactlyOP Mainnet1.73MUSDC0%4.2%4.19%
Ember-protocolEthereum2.04MUSDC0%3.6%4.19%
TermmaxEthereum3.32MUSDC0%4.07%4.19%
ExactlyOP Mainnet1.73MUSDC0%4.09%4.17%
Centrifuge-protocolEthereum9.28MUSDC0%5.16%4.17%
ExactlyOP Mainnet1.73MUSDC0%3.91%4.11%
Yearn-financeEthereum2.39MUSDC0%3.74%3.96%
Yearn-financeEthereum1.11MUSDC0%3.93%3.83%
Jupiter-lendSolana468.38MUSDC0.38%5.03%3.83%
ExactlyOP Mainnet1.73MUSDC0%3.99%3.81%
Yearn-financeEthereum19.84MUSDC0%3.56%3.79%
Midas-rwaEthereum3.49MUSDC0%3.78%3.78%
TydroInk12.30MUSDC0%3.25%3.75%
Flux-financeEthereum2.59MUSDC0%3.73%3.73%
AmpleBase4.39MUSDC0%4.1%3.71%
ExactlyOP Mainnet1.73MUSDC0%3.32%3.71%
Compound-v3Ethereum37.07MUSDC0%4.66%3.68%
CurvanceMonad3.52MUSDC2.07%5.31%3.67%
Euler-v2Monad1.65MUSDC1.25%4.15%3.66%
Midas-rwaEtherlink4.84MUSDC0%9.74%3.65%
Aave-v3Monad15.86MUSDC2.4%5.52%3.63%
Spark-savingsEthereum314.25MUSDC0%3.54%3.6%
Spark-savingsAvalanche9.50MUSDC0%3.54%3.6%
Aave-v3Ethereum195.52MUSDC0%3.85%3.54%
Aave-v3Ethereum58.43MUSDC1.67%5.37%3.54%
SparklendEthereum2.04MUSDC0%3.49%3.54%
Kamino-lendSolana23.08MUSDC0%4.92%3.52%
Kamino-lendSolana1.99MUSDC0%4.96%3.52%
Aave-v3Base24.88MUSDC0%3.54%3.51%
Centrifuge-protocolPharos4.40MUSDC0%3.46%3.48%
Aave-v3Avalanche7.65MUSDC0%3.82%3.4%
Midas-rwaEthereum72.75MUSDC0%3.28%3.29%
Midas-rwaEtherlink1.22MUSDC0%3.29%3.29%
Aave-v3Ethereum1.11MUSDC0%2.67%3.24%
DolomiteEthereum30.94MUSDC4.05%7.5%3.24%
Aave-v3BSC2.57MUSDC0%2.91%2.98%
Aave-v3Polygon12.02MUSDC0%2.84%2.86%
Compound-v3Arbitrum3.02MUSDC0%2.79%2.86%
Aave-v3Arbitrum29.42MUSDC0%2.47%2.74%
Venus-core-poolBSC15.42MUSDC0%2.22%2.65%
Midas-rwaEthereum6.43MUSDC0%7.43%2.63%
Midas-rwaEtherlink1.12MUSDC0%7.42%2.63%
Aave-v3OP Mainnet2.18MUSDC0%2.52%2.59%
Aave-v3Mantle1.04MUSDC0%1.89%2.53%
SaveSolana5.69MUSDC0%2.6%2.29%
NeverlandMonad1.32MUSDC8%9.19%2.14%
Echelon-marketAptos1.39MUSDC1.6%3.39%1.9%
Aave-v3Sonic1.15MUSDC0%1.86%1.85%
CurrentSui15.75MUSDC6.22%9.46%1.84%
Centrifuge-protocolEthereum1.87MUSDC0%2.38%1.8%
Aave-v4Ethereum1.67MUSDC0%1.77%1.77%
Aave-v4Avalanche2.16MUSDC3.58%3.74%1.55%
Gami-labsBase3.02MUSDC0%2.27%1.26%
Spectra-metavaultsBase3.02MUSDC0%2.3%1.26%
Kamino-lendSolana2.88MUSDC0%0.53%1.25%
Lista-lendingEthereum4.99MUSDC5.87%6.98%0.88%
ExactlyOP Mainnet1.73MUSDC0%0.94%0.88%
Zest-v2Stacks10.14MUSDC0%0.63%0.79%
Centrifuge-protocolMonad4.55MUSDC0%3.25%0.73%
TectonicCronos1.12MUSDC0.03%0.21%0.69%
Centrifuge-protocolPlume Mainnet20.79MUSDC0%6.35%0.35%
AcrossEthereum1.10MUSDC4.23%4.25%0.28%
CredixSolana13.46MUSDC0%0.05%0.07%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum8112.7M6.4%
Avalanche8288.9M3.45%
Base18140.9M12.9%
BSC13155.1M4.35%
Ethereum763.4B5.98%
Hyperliquid000%
Mantle11M2.53%
Optimism000%
Polygon213.1M3.38%
Solana15554.6M5.66%
TON12.9M5.33%
zkSync Era000%