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 3.53% on Dec 18 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
20/12/2025 21:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum4.41MUSDC0%41.45%37.98%
Euler-v2Avalanche1.65MUSDC0%7.59%24.09%
Gains-networkArbitrum15.22MUSDC0%11.36%21.97%
KiloexBase1.13MUSDC0%29.56%18.96%
Bracket-vaultsEthereum8.70MUSDC0%18.02%17.07%
FranciumSolana2.44MUSDC0%13.15%13.15%
Blend-pools-v2Stellar1.19MUSDC0.82%15.41%11.99%
Blend-pools-v2Stellar4.80MUSDC0%13.14%11.92%
Ipor-fusionEthereum6.76MUSDC0%8.1%11.9%
AvantisBase99.84MUSDC0%13.02%10.36%
GoldfinchEthereum37.75MUSDC0%9.72%10.01%
DeltaprimeArbitrum1.24MUSDC0%9.21%9.64%
WasabiBase10.37MUSDC0%9.86%9.23%
LiqwidCardano2.69MUSDC1.58%8.89%8.42%
Ipor-fusionBase1.90MUSDC0%8.77%7.97%
AutofinanceArbitrum2.91MUSDC2.1%9.87%7.74%
Silo-v2Avalanche1.87MUSDC0%8.66%7.46%
Yo-protocolBase28.81MUSDC0%7.95%7.29%
LoopscaleSolana9.35MUSDC0%9.07%7.27%
Harvest-financeBase3.39MUSDC0%9.06%7.05%
Extra-finance-leverage-farmingBase5.63MUSDC0.48%7.71%6.84%
AutofinanceBase25.06MUSDC2.47%10.05%6.83%
DeltaprimeAvalanche1.77MUSDC0%7.04%6.77%
Euler-v2Arbitrum1.45MUSDC0%5.28%6.5%
Euler-v2Arbitrum1.95MUSDC0%6.09%6.46%
Harmonix-financeArbitrum3.60MUSDC0%8.12%6.18%
SaveSolana5.69MUSDC0%6.58%5.98%
Euler-v2Ethereum17.63MUSDC0%4.24%5.92%
AutofinanceEthereum8.02MUSDC1.42%7.63%5.88%
Euler-v2Arbitrum1.29MUSDC0%4.4%5.85%
Scallop-lendSui1.95MUSDC0%5.8%5.77%
Yearn-financeEthereum33.38MUSDC0%5.11%5.67%
TermmaxEthereum3.11MUSDC0%7.38%5.58%
Euler-v2Ethereum14.85MUSDC0%6.38%5.55%
Yearn-financeBase2.39MUSDC0%5.2%5.55%
Harvest-financeBase1.79MUSDC0%6.17%5.37%
Yearn-financeEthereum36.74MUSDC0%5.15%5.29%
Gains-networkBase1.32MUSDC0%7.76%5.26%
Harvest-financeBase1.58MUSDC0%5.54%5.2%
Echelon-marketAptos13.32MUSDC0%5.29%5.19%
Ipor-fusionBase1.79MUSDC0%5.98%5.1%
DolomiteArbitrum3.41MUSDC0%4.41%4.98%
Yearn-financeEthereum1.07MUSDC0%4.93%4.77%
Yearn-financeEthereum1.07MUSDC0%4.93%4.77%
ExactlyOptimism1.28MUSDC0%4.79%4.71%
Harvest-financeEthereum1.08MUSDC0%5.44%4.7%
Hyperlend-pooledHyperliquid11.75MUSDC0%5.61%4.67%
Moonwell-lendingBase6.66MUSDC0.8%5.98%4.64%
Fluid-lendingEthereum299.43MUSDC1.09%5.08%4.51%
Fluid-lendingEthereum1.15MUSDC0%3.72%4.51%
ExactlyOptimism1.28MUSDC0%4.6%4.48%
ExactlyOptimism1.28MUSDC0%4.5%4.46%
VesperEthereum2.46MUSDC0%6.46%4.45%
Benqi-lendingAvalanche7.87MUSDC0%4.31%4.23%
ExactlyOptimism1.28MUSDC0%4.55%4.21%
Folks-finance-lendingAlgorand1.98MUSDC0%4.84%4.2%
ExactlyOptimism1.28MUSDC0%4.16%4.17%
Yearn-financeEthereum7.18MUSDC0%3.56%4.16%
ExactlyOptimism1.28MUSDC0%4.14%4.16%
Flux-financeEthereum1.61MUSDC0%4.36%4.11%
ExactlyOptimism1.28MUSDC0%3.87%3.92%
ExactlyOptimism1.28MUSDC0%3.27%3.83%
SparklendEthereum8.19MUSDC0%3.75%3.77%
ExactlyOptimism1.28MUSDC0%3.7%3.75%
Compound-v3Ethereum42.12MUSDC0.15%3.37%3.63%
Navi-lendingSui22.96MUSDC1.01%5.29%3.54%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum831.1M8.66%
Avalanche515.4M9.38%
Base14191.7M7.55%
BSC000%
Ethereum272.1B6.85%
Mantle000%
Optimism911.6M4.19%
Polygon000%
Solana418.7M8.08%
TON16.1M3.6%
zkSync Era000%