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 May 20 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
22/05/2026 21:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Yearn-financeBase1.83MUSDC0%144.15%74.94%
Ember-protocolSui1.18MUSDC0%10.5%14.72%
Canto-lendingCanto1.35MUSDC0%13.1%13.34%
Ember-protocolEthereum43.59MUSDC0%18.76%12.52%
AvantisBase44.99MUSDC0%10.11%11.87%
Fusion-by-iporEthereum1.39MUSDC0%5.05%11.35%
Bracket-vaultsEthereum2.71MUSDC0%10.88%10.52%
Ember-protocolSui1.46MUSDC0%10.01%10.01%
GoldfinchEthereum37.25MUSDC0%10.06%9.98%
Harmonix-financeHyperliquid L113.09MUSDC0%10.36%9.97%
AutofinanceEthereum2.03MUSDC0%9.5%9.46%
YieldseekerBase1.27MUSDC0%9.04%9.11%
Harvest-financeBase1.90MUSDC0%8.98%8.78%
Blend-pools-v2Stellar10.90MUSDC0%8.97%8.45%
Ember-protocolSui5.33MUSDC4%12%8%
SymbiosisEthereum1.06MUSDC0%6.59%7.97%
Ember-protocolSui1.81MUSDC0%10.12%7.55%
LoopscaleSolana1.37MUSDC0.67%8.19%7.26%
Zerobase-cedefiBSC2.02MUSDC2%8.76%6.76%
DeltaprimeAvalanche1.04MUSDC0%6.14%6.67%
Gains-networkArbitrum5.15MUSDC0%6.64%6.53%
Ember-protocolSui2.81MUSDC0%7.73%6.37%
Kamino-lendSolana6.95MUSDC0%5.37%6.28%
Ember-protocolEthereum4.52MUSDC0%7.04%6.22%
Extra-finance-leverage-farmingBase3.75MUSDC0%6.04%6.15%
Ember-protocolSui1.69MUSDC6.65%13.53%5.87%
Ember-protocolEthereum2.79MUSDC0%9.48%5.73%
Scallop-lendSui1.01MUSDC0%5.37%5.72%
Scallop-lendSui1.01MUSDC0%5.37%5.72%
Aave-v3Avalanche5.62MUSDC0%6.43%5.67%
Harvest-financeEthereum1.09MUSDC0%4.64%5.6%
LoopscaleSolana1.08MUSDC0%5.52%5.52%
Yearn-financeEthereum10.70MUSDC0%5.19%5.28%
Benqi-lendingAvalanche2.92MUSDC0%8.03%5.25%
Aave-v3Ethereum45.67MUSDC4.53%8.61%5.22%
Aave-v3Ethereum125.80MUSDC0%4.42%5.22%
Fluid-lendingArbitrum46.39MUSDC0%5.58%5.14%
Ember-protocolSui1.13MUSDC0%6.47%5.1%
Spectra-metavaultsBase5.59MUSDC0.03%4.07%5.01%
Gains-networkBase2.19MUSDC0%2.54%4.99%
Yearn-financeEthereum3.39MUSDC0%5.87%4.96%
Fluid-lendingBase12.90MUSDC0%5.81%4.89%
AutofinanceBase7.55MUSDC3.12%8.73%4.82%
TermmaxEthereum1.37MUSDC0%1.76%4.6%
Navi-lendingSui4.71MUSDC0.64%4.8%4.56%
AmpleBase4.33MUSDC0%4.71%4.44%
DolomiteArbitrum1.54MUSDC0%5.09%4.37%
Folks-finance-lendingAlgorand1.43MUSDC0%4.45%4.35%
Moonwell-lendingBase1.50MUSDC0%4.95%4.32%
Fluid-lendingEthereum199.92MUSDC1.02%4.76%4.24%
Fluid-lendingEthereum7.56MUSDC0%3.68%4.24%
Hyperlend-pooledHyperliquid L119.53MUSDC0%5.39%4.17%
ExactlyOP Mainnet1.61MUSDC0%4.08%4.16%
Compound-v3Ethereum32.33MUSDC0.13%3.19%4.15%
ExactlyOP Mainnet1.61MUSDC0%4.05%4.13%
Euler-v2Monad2.38MUSDC0%8.26%4.11%
ExactlyOP Mainnet1.61MUSDC0%3.96%4.05%
SparklendEthereum3.70MUSDC0%4.17%4.04%
Yo-protocolBase15.58MUSDC7.8%13.01%4.01%
Yo-protocolEthereum3.36MUSDC7.8%13.04%4.01%
TermmaxBase1.26MUSDC0%2.44%3.98%
ExactlyOP Mainnet1.61MUSDC0%3.88%3.98%
ExactlyOP Mainnet1.61MUSDC0%3.85%3.97%
ExactlyOP Mainnet1.61MUSDC0%4.04%3.96%
ExactlyOP Mainnet1.61MUSDC0%3.86%3.95%
ExactlyOP Mainnet1.61MUSDC0%3.61%3.95%
ExactlyOP Mainnet1.61MUSDC0%3.83%3.94%
TermmaxEthereum2.01MUSDC0%3.61%3.93%
TermmaxEthereum7.31MUSDC0%2.08%3.89%
NeverlandMonad14.35MUSDC4.73%8.49%3.8%
Jupiter-lendSolana441.85MUSDC1.11%4.53%3.78%
Centrifuge-protocolEthereum172.73MUSDC0%2.91%3.72%
Centrifuge-protocolAvalanche258.78MUSDC0%2.92%3.72%
Centrifuge-protocolEthereum6.84MUSDC0%2.63%3.72%
Flux-financeEthereum2.69MUSDC0%3.69%3.68%
Spark-savingsAvalanche28.23MUSDC0%3.65%3.65%
Spark-savingsEthereum400.39MUSDC0%3.65%3.65%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum461M5.76%
Avalanche6297.6M4.98%
Base13104.6M11.33%
BSC345.5M8.01%
Ethereum282B5.85%
Hyperliquid000%
Mantle000%
Optimism000%
Polygon000%
Solana4451.2M5.71%
TON13.7M5.82%
zkSync Era000%