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 3.71% on Jul 01 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
03/07/2026 04:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Ember-protocolEthereum1.99MUSDC0%8.75%71.92%
AccountableEthereum1.04MUSDC0%14.28%14.25%
Canto-lendingCanto1.35MUSDC0%13.61%13.61%
AccountableEthereum2.12MUSDC0%6.48%13.53%
Harvest-financeBase1.86MUSDC0%15.92%13.07%
Ember-protocolEthereum10.49MUSDC0%12.65%12.9%
AccountableMonad49.13MUSDC0.36%11.16%11.6%
Gains-networkArbitrum6.84MUSDC0%9.86%10.54%
AvantisBase30.41MUSDC0%9.64%10.42%
GoldfinchEthereum36.72MUSDC0%10.12%10.12%
AccountableMonad5.19MUSDC0.49%10.26%10%
Bracket-vaultsEthereum2.65MUSDC0%10.03%9.56%
Ember-protocolEthereum3.21MUSDC0%8.76%9.15%
Harmonix-financeHyperliquid L121MUSDC0%9.83%9.15%
AccountableMonad8.94MUSDC0.5%10.81%9.14%
Ember-protocolSui2.73MUSDC0%9.14%8.75%
Ember-protocolSui1.09MUSDC0%8.43%8.66%
Ember-protocolSui7MUSDC4%12%8%
LoopscaleSolana1.06MUSDC0.31%8.13%7.56%
Spectra-metavaultsBase3.01MUSDC0%1.96%7.47%
Gami-labsBase3.01MUSDC0%2.3%7.47%
LazyEthereum1.02MUSDC0%7.35%7.37%
LazyEthereum1.02MUSDC0%7.35%7.37%
Ember-protocolSui6.91MUSDC0%5.69%7.28%
Ember-protocolSui1.20MUSDC0%11.33%7.25%
Gami-labsStellar14.64MUSDC0%7%7%
Fluid-lendingArbitrum36.94MUSDC0%5.93%6.85%
AccountableMonad2.94MUSDC0.5%7.64%6.79%
Zerobase-cedefiBSC2.10MUSDC2%8.76%6.76%
Blend-pools-v2Stellar14.51MUSDC0%7.1%6.61%
AutofinanceEthereum7.17MUSDC0.36%6.26%6.21%
Kamino-lendSolana5.48MUSDC0%6.53%6.14%
Yearn-financeEthereum5.68MUSDC0%4.86%6.09%
Extra-finance-leverage-farmingBase3.43MUSDC0%6.56%5.98%
Hyperlend-pooledHyperliquid L110.63MUSDC0%5.91%5.79%
Fluid-lendingBase8.50MUSDC0%5.37%5.79%
Ember-protocolSui1.35MUSDC0%7.89%5.78%
Fluid-lendingEthereum138.71MUSDC0%6.46%5.75%
Fluid-lendingEthereum8.22MUSDC0%5.4%5.75%
Harvest-financeEthereum1.13MUSDC0%8.24%5.72%
Fusion-by-iporEthereum1.91MUSDC0%6.24%5.56%
Yearn-financeEthereum8.59MUSDC0%5.26%5.55%
SymbiosisEthereum1.30MUSDC0%8.89%5.4%
Navi-lendingSui5.64MUSDC0.47%6%5.34%
Euler-v2Ethereum6.88MUSDC0%3.15%5.18%
AutofinanceBase7.03MUSDC1.87%7.53%5.04%
Yearn-financeBase1.70MUSDC0%4.57%5%
Centrifuge-protocolMonad4.52MUSDC0%2.73%4.99%
Kamino-lendSolana6.84MUSDC0%4.29%4.83%
Kamino-lendSolana6.20MUSDC0%4.93%4.77%
Native-credit-poolEthereum5.28MUSDC0%3.27%4.56%
Centrifuge-protocolPlume Mainnet32.93MUSDC0%1.96%4.51%
Folks-finance-lendingAlgorand1.29MUSDC0%4.61%4.44%
Yearn-financeEthereum1.18MUSDC0%3.92%4.41%
Scallop-lendSui1.06MUSDC0%5.54%4.34%
DolomiteArbitrum1.44MUSDC0%3.81%4.33%
Ember-protocolSui1.12MUSDC5.71%11.16%4.33%
Euler-v2Monad2.18MUSDC3.14%4.44%4.27%
Centrifuge-protocolBase50.11MUSDC0%3.35%4.19%
Centrifuge-protocolAvalanche259.88MUSDC0%3.35%4.19%
Centrifuge-protocolBase2.22MUSDC0%3.33%4.19%
Centrifuge-protocolEthereum5.87MUSDC0%3.33%4.19%
ExactlyOP Mainnet1.80MUSDC0%4.12%4.17%
ExactlyOP Mainnet1.80MUSDC0%4.16%4.17%
ExactlyOP Mainnet1.80MUSDC0%4.05%4.13%
ExactlyOP Mainnet1.80MUSDC0%4.03%4.09%
Moonwell-lendingBase2.20MUSDC0.38%6.24%4.08%
AmpleBase4.29MUSDC0%4.78%4.06%
Yo-protocolBase10.48MUSDC0%4.21%4.03%
Yo-protocolEthereum2.40MUSDC0%4.21%4.03%
ExactlyOP Mainnet1.80MUSDC0%3.91%4.03%
ExactlyOP Mainnet1.80MUSDC0%3.95%3.97%
ExactlyOP Mainnet1.80MUSDC0%4.11%3.86%
ExactlyOP Mainnet1.80MUSDC0%3.42%3.83%
ExactlyOP Mainnet1.80MUSDC0%3.75%3.8%
TermmaxBase1.20MUSDC0%4.08%3.8%
Flux-financeEthereum2.60MUSDC0%3.72%3.72%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum452.9M7.18%
Avalanche2262.3M4.09%
Base14129.4M6.04%
BSC662.4M6%
Ethereum281.5B9.03%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon11.3M3.96%
Solana419.6M5.83%
TON13.7M6%
zkSync Era000%