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 3.73% on Jul 08 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
10/07/2026 05:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Centrifuge-protocolMonad10.03MUSDC0%2.54%16.48%
AccountableEthereum1.04MUSDC0%14.28%14.25%
AccountableEthereum1.04MUSDC0%14.28%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
Harvest-financeBase1.86MUSDC0%17.53%12.99%
Ember-protocolEthereum5.96MUSDC0%12.76%12.9%
Hyperlend-pooledHyperliquid L17.72MUSDC0%6.14%12.55%
Aave-v3Ethereum1.09MUSDC0%3.51%12.53%
AccountableEthereum2.13MUSDC0%8.63%11.71%
AccountableMonad50.79MUSDC0.4%11.67%11.6%
Midas-rwaEthereum1.98MUSDC0%9.92%10.71%
Midas-rwaEthereum45.93MUSDC0%10.55%10.54%
Midas-rwaMonad2.94MUSDC0%10.55%10.54%
GoldfinchEthereum36.72MUSDC0%10.12%10.12%
Midas-rwaEthereum73.21MUSDC0%13.74%10%
AccountableMonad5.20MUSDC0.5%10.38%10%
Ember-protocolSui1.09MUSDC0%9.03%9.73%
AccountableMonad8.97MUSDC0.5%9.41%9.65%
Ember-protocolSui1.20MUSDC0%11.6%9.52%
Bracket-vaultsEthereum2.65MUSDC0%9.87%9.48%
Ember-protocolEthereum3.28MUSDC0%9.18%9.19%
Midas-rwaEthereum2.49MUSDC0%8.11%8.9%
Midas-rwaEthereum6.64MUSDC0%8.12%8.9%
YieldseekerBase1.89MUSDC0%7.88%8.89%
Harmonix-financeHyperliquid L121.48MUSDC0%9.56%8.88%
Midas-rwaEthereum7.73MUSDC0%8.85%8.71%
Ember-protocolSui2.83MUSDC0%9.3%8.48%
AvantisBase29.44MUSDC0%9.83%8.29%
Ember-protocolSui7MUSDC4%12%8%
Blend-pools-v2Stellar11.88MUSDC0%6.81%7.42%
LoopscaleSolana1.14MUSDC0.32%8.04%7.4%
Midas-rwaEtherlink3.77MUSDC0%6.09%7.18%
Gami-labsStellar15.16MUSDC0%7%7%
Fusion-by-iporEthereum1.92MUSDC0%6.15%6.82%
Ember-protocolSui1.12MUSDC5.05%12%6.81%
Extra-finance-leverage-farmingBase3.40MUSDC0%6.64%6.8%
AccountableMonad2.94MUSDC0.5%7.41%6.79%
Zerobase-cedefiBSC1.93MUSDC2%8.76%6.76%
Yearn-financeEthereum5.69MUSDC0%5.31%6.7%
Kamino-lendSolana4.65MUSDC0%6.85%6.44%
AutofinanceEthereum8.13MUSDC0.4%6.37%6.35%
Ember-protocolSui1.36MUSDC0%8.16%6.33%
Harvest-financeEthereum1.13MUSDC0%7.82%6.31%
Fluid-lendingEthereum133.02MUSDC0%6.38%5.71%
Fluid-lendingEthereum9.35MUSDC0%5.61%5.71%
Yearn-financeEthereum8.80MUSDC0%5.56%5.63%
Fluid-lendingBase8.57MUSDC0%5.49%5.58%
SymbiosisEthereum1.31MUSDC0%7.01%5.5%
Euler-v2Ethereum6.54MUSDC0%3.01%5.49%
AutofinanceBase5.99MUSDC2.04%7.38%5.18%
Navi-lendingSui6.20MUSDC0.43%6%5.17%
Fluid-lendingArbitrum38.97MUSDC0%5.9%5.06%
Kamino-lendSolana4.08MUSDC0%4.81%5.03%
Yearn-financeBase1.75MUSDC0%4.81%5.03%
Euler-v2Monad2.16MUSDC3.14%5.26%4.95%
Yearn-financeEthereum1.18MUSDC0%4.2%4.92%
Kamino-lendSolana9.69MUSDC0%4.38%4.53%
Centrifuge-protocolBase50.15MUSDC0%4.16%4.3%
Centrifuge-protocolAvalanche260.08MUSDC0%4.16%4.3%
Centrifuge-protocolBase2.22MUSDC0%4.15%4.29%
Centrifuge-protocolEthereum5.87MUSDC0%4.15%4.29%
ExactlyOP Mainnet1.74MUSDC0%4.17%4.28%
Kamino-lendSolana1.68MUSDC0%4.24%4.26%
DolomiteArbitrum1.49MUSDC0%4.09%4.21%
ExactlyOP Mainnet1.74MUSDC0%4.15%4.2%
ExactlyOP Mainnet1.74MUSDC0%4.08%4.18%
ExactlyOP Mainnet1.74MUSDC0%4.06%4.11%
Yo-protocolEthereum2.38MUSDC0%4.26%4.1%
Yo-protocolBase10.42MUSDC0%4.26%4.1%
ExactlyOP Mainnet1.74MUSDC0%3.96%4.07%
TermmaxBase1.20MUSDC0%4.1%4.05%
AmpleBase4.29MUSDC0%4.63%4.03%
Midas-rwaEthereum7.15MUSDC0%3.01%4.03%
Midas-rwaEtherlink1.11MUSDC0%3%4.03%
ExactlyOP Mainnet1.74MUSDC0%3.96%4%
ExactlyOP Mainnet1.74MUSDC0%3.78%3.91%
Centrifuge-protocolPlume Mainnet32.96MUSDC0%3.3%3.9%
ExactlyOP Mainnet1.74MUSDC0%4.06%3.89%
ExactlyOP Mainnet1.74MUSDC0%3.71%3.88%
Benqi-lendingAvalanche4.50MUSDC0%3.73%3.81%
Moonwell-lendingBase2.82MUSDC0.35%5.52%3.8%
Lazy-summer-protocolEthereum4.04MUSDC0.89%3.82%3.8%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum348.1M5.42%
Avalanche3266.8M4.16%
Base13124M5.95%
BSC557.6M6.44%
Ethereum331.6B7.71%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.3M3.96%
Solana521.2M5.53%
TON13.6M5.8%
zkSync Era000%