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 Feb 10 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
12/02/2026 16:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bracket-vaultsEthereum3.30MUSDC0%15.02%14.24%
AvantisBase88.28MUSDC0%11.33%12.49%
Blend-pools-v2Stellar1.59MUSDC0.69%13.86%11.51%
GoldfinchEthereum37.76MUSDC0%10.01%10.01%
Blend-pools-v2Stellar8.66MUSDC0%11.52%9.57%
Harvest-financeBase3.07MUSDC0%6.11%8.24%
AutofinanceEthereum18.04MUSDC0.31%8.87%7.81%
Woofi-earnArbitrum1.20MUSDC0%7.09%7.04%
AccountableMonad1.01MUSDC3%14.8%6.79%
AccountableMonad1.01MUSDC3%14.8%6.79%
SymbiosisEthereum1.22MUSDC0%6.09%6.46%
DeltaprimeAvalanche1.32MUSDC0%6.66%6.33%
Gains-networkArbitrum12.93MUSDC0%10.66%5.94%
LoopscaleSolana3.56MUSDC0.67%7.9%5.81%
WasabiSolana1.73MUSDC0%8.33%5.81%
LoopscaleSolana1.24MUSDC1.85%8.01%5.81%
Yearn-financeEthereum1.36MUSDC0%5.39%5.77%
DolomiteEthereum8.33MUSDC0%4.57%5.57%
Echelon-marketAptos6.58MUSDC0%4.84%5.5%
Yo-protocolBase29.02MUSDC14%13.7%5.35%
Harmonix-financeArbitrum1.21MUSDC0%5.3%5.34%
VesperEthereum2.56MUSDC0%4.54%5.25%
Euler-v2Ethereum40.10MUSDC0%4.83%5.22%
Scallop-lendSui1.79MUSDC0%5.56%5.21%
Hyperlend-pooledHyperliquid15.04MUSDC0%5.93%5.14%
AutofinanceBase17.99MUSDC1.69%7.46%5.07%
Ipor-fusionBase1.83MUSDC0%7.21%4.98%
Silo-v2Avalanche1.63MUSDC0%8.24%4.74%
ExactlyOptimism1.75MUSDC0%4.39%4.37%
Folks-finance-lendingAlgorand1.54MUSDC0%4.26%4.32%
Navi-lendingSui8.90MUSDC0.76%5.32%4.32%
Gains-networkBase2.37MUSDC0%10.44%4.29%
ExactlyOptimism1.75MUSDC0%4.21%4.24%
ExactlyOptimism1.75MUSDC0%4.21%4.23%
Euler-v2Ethereum31.43MUSDC0%4.71%4.21%
Flux-financeEthereum1.44MUSDC0%4.16%4.19%
Extra-finance-leverage-farmingBase4.38MUSDC0%5.76%4.17%
WasabiBase7.91MUSDC0%6.99%4.16%
Ipor-fusionEthereum6.10MUSDC0%5.79%4.15%
Euler-v2Arbitrum1.17MUSDC0%6.6%4.15%
ExactlyOptimism1.75MUSDC0%3.64%4.14%
AutofinanceArbitrum1.34MUSDC2.01%6.49%4.12%
ExactlyOptimism1.75MUSDC0%4.03%4.1%
ExactlyOptimism1.75MUSDC0%3.96%4.03%
Yearn-financeEthereum33.23MUSDC0%4.67%4.02%
Spark-savingsEthereum207.26MUSDC0%4%4%
Spark-savingsAvalanche129.93MUSDC0%4%4%
ExactlyOptimism1.75MUSDC0%3.82%3.93%
ExactlyOptimism1.75MUSDC0%3.87%3.9%
LiqwidCardano2.99MUSDC1.58%12.11%3.87%
SparklendEthereum7.91MUSDC0%3.65%3.82%
ExactlyOptimism1.75MUSDC0%3.03%3.8%
Harvest-financeBase1.06MUSDC0%4.82%3.71%
Ipor-fusionBase1.06MUSDC0%4.55%3.71%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum517.8M5.32%
Avalanche3132.9M5.02%
Base10157M5.62%
BSC000%
Ethereum211.7B5.65%
Hyperliquid115M5.14%
Mantle000%
Optimism915.8M4.08%
Polygon12.3M3.89%
Solana36.5M5.81%
TON000%
zkSync Era000%