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 3.62% on Dec 05 2025). 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
09/12/2025 00:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum4.19MUSDC0%44.14%40.35%
Bracket-vaultsEthereum8.57MUSDC0%18.73%17.91%
Blend-pools-v2Stellar3.46MUSDC0%13.84%16.85%
Stream-financeEthereum381.98MUSDC0%15.7%15.52%
FranciumSolana2.44MUSDC0%13.15%13.15%
Ipor-fusionEthereum1.27MUSDC0%11.93%12.35%
GoldfinchEthereum37.75MUSDC0%9.47%10.01%
Gains-networkArbitrum14.91MUSDC0%11.09%9.66%
AvantisBase103.52MUSDC0%16.97%9.54%
DeltaprimeArbitrum1.29MUSDC0%11.72%8.97%
LoopscaleSolana5.69MUSDC0%9.75%8.89%
Gains-networkBase1.53MUSDC0%9.09%8.47%
DeltaprimeAvalanche2.20MUSDC0%9.49%8.45%
WasabiSolana1.14MUSDC0%12.1%8.45%
WasabiBase10.59MUSDC0%11.72%8.39%
TermmaxEthereum3.11MUSDC0%7.86%7.76%
Harmonix-financeArbitrum4MUSDC0%9.09%7.65%
Harvest-financeBase3.26MUSDC0%10.38%7.64%
Extra-finance-leverage-farmingBase5.66MUSDC0.18%8.4%7.56%
AutofinanceArbitrum1.31MUSDC4.03%10.51%7.3%
Yo-protocolBase27.68MUSDC0%9.33%7.1%
AutofinanceBase24.31MUSDC3.22%10.64%7.08%
Ipor-fusionBase1.34MUSDC0%11.87%7.06%
LiqwidCardano3.47MUSDC1.14%10.36%7.04%
Ipor-fusionEthereum3.35MUSDC0%5.12%6.86%
TermmaxEthereum2.74MUSDC0%6.68%6.66%
Harvest-financeBase1.85MUSDC0%6.59%6.62%
Harvest-financeBase2.11MUSDC0%3.94%6.6%
Euler-v2Ethereum22.41MUSDC0%7.07%6.21%
Silo-v2Avalanche4.28MUSDC0%9.22%6.1%
Ipor-fusionBase1.85MUSDC0%6.26%6.09%
Euler-v2Arbitrum2.26MUSDC0%6.47%5.93%
AutofinanceEthereum8.23MUSDC1.41%7.95%5.91%
Euler-v2Arbitrum1.94MUSDC0%4.48%5.85%
Euler-v2Arbitrum2.53MUSDC0%6.49%5.78%
Moonwell-lendingBase4.36MUSDC1.12%6.28%5.41%
Yearn-financeEthereum6.76MUSDC0%5.67%5.32%
Folks-finance-lendingAlgorand1.27MUSDC0%5.04%5.18%
Scallop-lendSui2.32MUSDC0%6.1%5.17%
Echelon-marketAptos15.74MUSDC0%6.7%5.14%
Navi-lendingSui14.93MUSDC1.16%7.46%4.87%
ExactlyOptimism1.21MUSDC0%4.84%4.79%
Yearn-financeBase2.37MUSDC0%5.49%4.72%
Euler-v2Avalanche7.66MUSDC0%8.31%4.69%
Euler-v2Ethereum1.92MUSDC0%7.99%4.67%
Yearn-financeEthereum1.10MUSDC0%6.01%4.64%
DolomiteArbitrum3.88MUSDC0%4.76%4.6%
ExactlyOptimism1.21MUSDC0%4.71%4.57%
Harvest-financeEthereum1.09MUSDC0%6.27%4.57%
Fluid-lendingPolygon3.02MUSDC0%5.34%4.56%
ExactlyOptimism1.21MUSDC0%4.75%4.51%
ExactlyOptimism1.21MUSDC0%4.56%4.49%
Hyperlend-pooledHyperliquid6.23MUSDC0%5.85%4.42%
Benqi-lendingAvalanche7.92MUSDC0%4.55%4.4%
Mars-lendNeutron1.07MUSDC0%4.88%4.34%
Mars-lendNeutron1.07MUSDC0%4.88%4.34%
ExactlyOptimism1.21MUSDC0%4.57%4.29%
ExactlyOptimism1.21MUSDC0%4.15%4.16%
ExactlyOptimism1.21MUSDC0%4.14%4.15%
Flux-financeEthereum1.60MUSDC0%4.74%4.12%
Hatom-lendingMultiversX1.31MUSDC0.93%4.92%3.96%
Yearn-financeEthereum36.28MUSDC0%5.79%3.96%
Kamino-lendSolana80.19MUSDC0%4.02%3.95%
ExactlyOptimism1.21MUSDC0%3.81%3.89%
AutofinanceLinea1.38MUSDC6.38%11.4%3.8%
Fluid-lendingEthereum264.43MUSDC1.48%5.62%3.79%
ExactlyOptimism1.21MUSDC0%2.78%3.76%
ExactlyOptimism1.21MUSDC0%3.69%3.71%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum832.1M6.97%
Avalanche523.6M5.73%
Base13190.4M7.1%
BSC000%
Ethereum273.2B7.71%
Mantle000%
Optimism1012.1M4.23%
Polygon13M4.56%
Solana489.5M8.61%
TON000%
zkSync Era000%