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 3.57% on Dec 29 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
31/12/2025 22:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum4.82MUSDC0%42.02%38.58%
KiloexBase1.14MUSDC0%25.36%20.14%
Hatom-lendingMultiversX1.27MUSDC0.33%14.27%18.74%
WasabiSolana1.19MUSDC0%9.72%16.8%
Bracket-vaultsEthereum8MUSDC0%17.28%16.23%
Blend-pools-v2Stellar4.73MUSDC0%13.33%13.94%
Gains-networkArbitrum12.06MUSDC0%12.07%13.66%
FranciumSolana2.44MUSDC0%13.15%13.15%
AccountableMonad4.01MUSDC8.12%20.77%10.67%
LiqwidCardano2.32MUSDC1.58%9.9%10.59%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
LoopscaleSolana1.26MUSDC1.12%10.21%8.87%
AvantisBase100.12MUSDC0%10.76%8.84%
WasabiBase11.49MUSDC0%9.41%8.78%
DeltaprimeAvalanche1.59MUSDC0%7.42%8.33%
DeltaprimeArbitrum1.33MUSDC0%8.87%8.3%
Harvest-financeBase3.29MUSDC0%7.76%8.23%
Ipor-fusionBase2.08MUSDC0%8.05%7.91%
Euler-v2Arbitrum1.34MUSDC0%6.28%7.78%
Woofi-earnArbitrum1.22MUSDC0%7.55%7.72%
AutofinanceArbitrum3.10MUSDC1.8%9.89%7.41%
Yo-protocolBase29.64MUSDC0%7.35%7.03%
Euler-v2Avalanche3.09MUSDC0%6.97%6.65%
Extra-finance-leverage-farmingBase5.56MUSDC0.23%7.27%6.44%
AutofinanceEthereum7.50MUSDC1.33%7.57%6.31%
Yearn-financeEthereum7.41MUSDC0%4.14%6.31%
Harvest-financeEthereum1.08MUSDC0%5.22%6.09%
Harvest-financeEthereum1.08MUSDC0%5.22%6.09%
AutofinanceBase25.19MUSDC2.27%9.44%5.95%
LoopscaleSolana12.65MUSDC0%8.06%5.91%
SaveSolana6.62MUSDC0%6.14%5.75%
Yearn-financeBase2.42MUSDC0%5.25%5.53%
Scallop-lendSui2.12MUSDC0%5.65%5.4%
Ipor-fusionBase1.75MUSDC0%5.36%5.29%
Harvest-financeBase1.75MUSDC0%5.61%5.24%
Yearn-financeEthereum2.36MUSDC0%3.69%5.2%
Harmonix-financeArbitrum1.91MUSDC0%6.69%5.17%
Harvest-financeBase1.60MUSDC0%5.2%5.07%
Yearn-financeEthereum33.15MUSDC0%4.72%4.94%
Echelon-marketAptos14.51MUSDC0%4.95%4.93%
Euler-v2Ethereum19.82MUSDC0%5.58%4.89%
Yearn-financeEthereum1.52MUSDC0%4.4%4.86%
Euler-v2Ethereum27.86MUSDC0%4.17%4.86%
Hyperlend-pooledHyperliquid10.63MUSDC0%5.32%4.85%
Benqi-lendingAvalanche5.87MUSDC0%4.34%4.79%
DolomiteArbitrum3.72MUSDC0%4.65%4.77%
Yearn-financeEthereum15.38MUSDC0%4.93%4.65%
Moonwell-lendingBase6.79MUSDC0.73%5.66%4.64%
Gains-networkBase1.11MUSDC0%6.4%4.58%
ExactlyOptimism1.41MUSDC0%4.71%4.5%
Compound-v3Ethereum40.85MUSDC0.12%3.55%4.48%
ExactlyOptimism1.41MUSDC0%4.47%4.43%
ExactlyOptimism1.41MUSDC0%4.51%4.41%
SparklendEthereum5.35MUSDC0%3.73%4.3%
ExactlyOptimism1.41MUSDC0%4.34%4.18%
ExactlyOptimism1.41MUSDC0%4.17%4.18%
Folks-finance-lendingAlgorand1.96MUSDC0%4.55%4.18%
Euler-v2Ethereum1.64MUSDC0%3.86%4.18%
ExactlyOptimism1.41MUSDC0%4.15%4.17%
Flux-financeEthereum1.57MUSDC0%4.13%4.13%
Navi-lendingSui17.87MUSDC1.06%4.97%4.09%
Spark-savingsAvalanche190.37MUSDC0%4%4%
Spark-savingsEthereum214.73MUSDC0%4%4%
ExactlyOptimism1.41MUSDC0%3.91%3.95%
ExactlyOptimism1.41MUSDC0%3.81%3.87%
ExactlyOptimism1.41MUSDC0%3.74%3.79%
Aave-v3Avalanche24.10MUSDC0%3.27%3.76%
Fluid-lendingEthereum319.13MUSDC0.94%4.95%3.75%
VesperEthereum2.47MUSDC0%2.76%3.67%
Takara-lendSei1.55MUSDC5.99%9.22%3.62%
Aave-v3Linea2.25MUSDC0%2.97%3.59%
ExactlyOptimism1.41MUSDC0%3.14%3.59%
Aave-v3Base111.53MUSDC0%3.46%3.58%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum724.7M7.83%
Avalanche6227.6M5.28%
Base15305.4M7.15%
BSC158.4M3.65%
Ethereum302.5B6.4%
Hyperliquid110.6M4.85%
Mantle000%
Optimism1014.1M4.11%
Polygon000%
Solana625.6M9.36%
TON16M7.29%
zkSync Era000%