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 3.61% on May 12 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
14/05/2026 22:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Yearn-financeBase1.74MUSDC0%108.23%153.82%
Ember-protocolSui7.87MUSDC0%11.69%15.59%
AbyssSui1.91MUSDC0%9.62%13.35%
Canto-lendingCanto1.35MUSDC0%12.99%13.29%
Ember-protocolEthereum48.24MUSDC13%20.87%12.52%
Harmonix-financeHyperliquid L16.20MUSDC0%12.25%12.3%
Harvest-financeBase1.97MUSDC0%7.7%12.21%
AvantisBase44.86MUSDC0%10.1%10.94%
Bracket-vaultsEthereum2.71MUSDC0%11.14%10.66%
GoldfinchEthereum37.24MUSDC0%10.06%10.06%
Ember-protocolEthereum2.78MUSDC0%8.37%10.05%
Ember-protocolSui1.59MUSDC0%10.02%10.01%
AutofinanceEthereum2.14MUSDC0%8.39%9.49%
Ember-protocolSui2.57MUSDC0%8.75%9.4%
YieldseekerBase1.26MUSDC0%9.05%8.83%
Blend-pools-v2Stellar10.75MUSDC0%9.07%8.63%
AccountableMonad1.82MUSDC2.72%11.55%8.5%
Ember-protocolEthereum4.50MUSDC0%7.65%8.02%
Ember-protocolSui5.34MUSDC4%12%8%
Kamino-lendSolana6.53MUSDC0%4.75%7.42%
Ember-protocolSui1.81MUSDC0%9.23%7.24%
LoopscaleSolana1.16MUSDC1.09%8.27%7.18%
Benqi-lendingAvalanche2.22MUSDC0%8.71%7%
Ember-protocolSui1.14MUSDC0%7.37%6.95%
Ember-protocolSui1.17MUSDC0%9.37%6.83%
Gains-networkArbitrum5.12MUSDC0%6.35%6.83%
Yearn-financeEthereum2.80MUSDC0%6.4%6.79%
Zerobase-cedefiBSC2.05MUSDC2%8.76%6.76%
Extra-finance-leverage-farmingBase3.52MUSDC0%5.87%6.6%
Aave-v3Avalanche4.86MUSDC0%6.2%6.44%
Fluid-lendingBase14.43MUSDC0%6.46%5.51%
SymbiosisEthereum1.10MUSDC0%7.14%5.36%
SymbiosisEthereum1.10MUSDC0%7.14%5.36%
Scallop-lendSui1.28MUSDC0%5.3%5.1%
AutofinanceBase6.19MUSDC3.62%8.74%5.07%
Fluid-lendingArbitrum52.24MUSDC0%6.3%4.95%
Yearn-financeEthereum10.07MUSDC0%4.89%4.94%
Hyperlend-pooledHyperliquid L114.58MUSDC0%5.12%4.93%
Ember-protocolSui1.40MUSDC8.63%13.42%4.64%
Yo-protocolEthereum3.41MUSDC7.8%14.3%4.55%
Yo-protocolBase16.13MUSDC7.8%14.28%4.55%
Folks-finance-lendingAlgorand1.33MUSDC0%4.32%4.52%
AmpleBase4.33MUSDC0%4.61%4.5%
Spectra-metavaultsBase6.58MUSDC1.42%4.94%4.39%
ExactlyOP Mainnet1.59MUSDC0%4.04%4.15%
ExactlyOP Mainnet1.59MUSDC0%3.96%4.13%
SparklendEthereum3.95MUSDC0%4.12%4.05%
ExactlyOP Mainnet1.59MUSDC0%4.03%4.04%
ExactlyOP Mainnet1.59MUSDC0%3.88%4.03%
Fusion-by-iporEthereum1.31MUSDC0%4.58%4.02%
Moonwell-lendingBase1.77MUSDC1.41%4.99%3.99%
Lazy-summer-protocolBase1.39MUSDC0%4.09%3.95%
ExactlyOP Mainnet1.59MUSDC0%3.81%3.94%
ExactlyOP Mainnet1.59MUSDC0%3.81%3.93%
ExactlyOP Mainnet1.59MUSDC0%3.77%3.93%
TermmaxBase1.26MUSDC0%2.3%3.93%
ExactlyOP Mainnet1.59MUSDC0%3.39%3.92%
ExactlyOP Mainnet1.59MUSDC0%3.76%3.91%
DolomiteArbitrum1.72MUSDC0%5.73%3.9%
Jupiter-lendSolana447.39MUSDC1.09%4.35%3.86%
TermmaxEthereum7.31MUSDC0%1.99%3.85%
AutofinanceArbitrum1.73MUSDC2.6%10.05%3.83%
Navi-lendingSui8.78MUSDC0.64%4.5%3.83%
TermmaxEthereum2.01MUSDC0%3.73%3.82%
AutofinanceEthereum8.24MUSDC0.63%6.3%3.8%
Ember-protocolSui1.19MUSDC0%6.19%3.71%
Flux-financeEthereum2.69MUSDC0%3.71%3.68%
NeverlandMonad16.72MUSDC4.68%8.38%3.65%
Spark-savingsAvalanche30.32MUSDC0%3.68%3.65%
Spark-savingsEthereum0.95BUSDC0%3.68%3.65%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum568.7M5.3%
Avalanche541.1M5.42%
Base13105.4M17.56%
BSC341M8.01%
Ethereum222B6.11%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon000%
Solana3455.1M6.15%
TON13.6M6.14%
zkSync Era000%