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 3.55% on Dec 30 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
01/01/2026 23:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum4.86MUSDC0%41.74%38.03%
KiloexBase1.11MUSDC0%25.01%20.07%
Hatom-lendingMultiversX1.27MUSDC0.33%14.77%18.74%
Blend-pools-v2Stellar1.07MUSDC0.73%15.8%17.08%
Blend-pools-v2Stellar1.07MUSDC0.73%15.8%17.08%
Bracket-vaultsEthereum8.02MUSDC0%17.22%16.17%
WasabiSolana1.32MUSDC0%9.93%13.41%
FranciumSolana2.44MUSDC0%13.15%13.15%
Blend-pools-v2Stellar4.94MUSDC0%13.32%13.09%
Gains-networkArbitrum13.82MUSDC0%12.17%11.89%
LiqwidCardano2.28MUSDC1.58%10.05%10.73%
AccountableMonad4.01MUSDC8.12%20.77%10.67%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
WasabiBase11.47MUSDC0%9.41%9%
LoopscaleSolana1.19MUSDC1.12%10.2%8.89%
AvantisBase99.44MUSDC0%10.56%8.45%
DeltaprimeAvalanche1.59MUSDC0%7.49%8.32%
DeltaprimeArbitrum1.33MUSDC0%8.82%8.3%
Ipor-fusionEthereum6.77MUSDC0%7.14%8.27%
Ipor-fusionBase2.08MUSDC0%8.05%7.81%
Woofi-earnArbitrum1.22MUSDC0%7.58%7.74%
AutofinanceArbitrum3.10MUSDC1.69%9.88%7.23%
Yo-protocolBase29.63MUSDC0%7.31%7%
Euler-v2Avalanche3.07MUSDC0%6.84%6.66%
Extra-finance-leverage-farmingBase5.46MUSDC0.21%7.26%6.55%
Yearn-financeEthereum7.40MUSDC0%4.23%6.52%
Euler-v2Arbitrum1.51MUSDC0%6.27%6.48%
AutofinanceEthereum7.50MUSDC1.27%7.57%6.42%
Euler-v2Arbitrum1.30MUSDC0%5.91%6.22%
AutofinanceBase24.98MUSDC2.17%9.37%6.02%
Harvest-financeBase2.55MUSDC0%7.58%5.92%
LoopscaleSolana12.78MUSDC0%7.95%5.89%
SaveSolana6.76MUSDC0%6.11%5.71%
Scallop-lendSui1.97MUSDC0%5.66%5.62%
Euler-v2Arbitrum1.60MUSDC0%5.3%5.54%
Yearn-financeBase2.41MUSDC0%5.27%5.46%
Harmonix-financeArbitrum1.91MUSDC0%6.58%5.17%
Harvest-financeBase1.72MUSDC0%5.19%5.07%
Harvest-financeBase1.75MUSDC0%5.58%5%
Hyperlend-pooledHyperliquid10.01MUSDC0%5.34%4.97%
Echelon-marketAptos14.15MUSDC0%4.96%4.96%
Euler-v2Ethereum19.75MUSDC0%5.5%4.9%
Harvest-financeEthereum1.08MUSDC0%5.2%4.9%
Euler-v2Ethereum28.26MUSDC0%4.15%4.81%
DolomiteArbitrum3.78MUSDC0%4.67%4.69%
Ipor-fusionBase1.75MUSDC0%5.31%4.62%
Gains-networkBase1.10MUSDC0%6.25%4.59%
Yearn-financeEthereum2.25MUSDC0%3.73%4.57%
Yearn-financeEthereum4.07MUSDC0%3.76%4.54%
Yearn-financeEthereum1.52MUSDC0%4.36%4.53%
Moonwell-lendingBase7.16MUSDC0.78%5.64%4.51%
Yearn-financeEthereum1.07MUSDC0%4.67%4.5%
ExactlyOptimism1.40MUSDC0%4.7%4.5%
ExactlyOptimism1.40MUSDC0%4.46%4.42%
ExactlyOptimism1.40MUSDC0%4.5%4.41%
SparklendEthereum5.12MUSDC0%3.76%4.38%
Benqi-lendingAvalanche7.60MUSDC0%4.35%4.35%
Yearn-financeEthereum17.51MUSDC0%4.91%4.21%
ExactlyOptimism1.40MUSDC0%4.32%4.18%
ExactlyOptimism1.40MUSDC0%4.17%4.18%
ExactlyOptimism1.40MUSDC0%4.16%4.17%
Folks-finance-lendingAlgorand1.97MUSDC0%4.52%4.16%
Flux-financeEthereum1.57MUSDC0%4.13%4.13%
Navi-lendingSui17.64MUSDC1.11%4.96%4.12%
Yearn-financeEthereum33.09MUSDC0%4.67%4.11%
Spark-savingsEthereum212.88MUSDC0%4%4%
Spark-savingsAvalanche188.97MUSDC0%4%4%
Euler-v2Ethereum1.82MUSDC0%3.8%3.97%
ExactlyOptimism1.40MUSDC0%3.91%3.95%
ExactlyOptimism1.40MUSDC0%3.81%3.87%
Takara-lendSei1.49MUSDC6.37%9.25%3.8%
ExactlyOptimism1.40MUSDC0%3.74%3.79%
Compound-v3Ethereum40.74MUSDC0.12%3.59%3.73%
VesperEthereum2.48MUSDC0%2.85%3.73%
Aave-v3Base109.20MUSDC0%3.48%3.61%
ExactlyOptimism1.40MUSDC0%3.17%3.59%
Aave-v3Avalanche26.80MUSDC0%3.28%3.59%
Aave-v3Ethereum868.14MUSDC0%3.28%3.57%
Venus-core-poolBSC16.67MUSDC0%2.85%3.55%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum929.6M7.03%
Avalanche6230.8M5.16%
Base15301.8M6.91%
BSC278M3.56%
Ethereum313B6.3%
Hyperliquid110M4.97%
Mantle000%
Optimism1014M4.11%
Polygon000%
Solana626M8.76%
TON000%
zkSync Era000%