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 3.54% on Dec 12 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
16/12/2025 17:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum4.21MUSDC0%42.59%49.2%
KiloexBase1.11MUSDC0%30.63%28.79%
Bracket-vaultsEthereum8.66MUSDC0%18.29%17.25%
Blend-pools-v2Stellar1.06MUSDC0.63%15.81%14.47%
Blend-pools-v2Stellar1.06MUSDC0.63%15.81%14.47%
FranciumSolana2.44MUSDC0%13.15%13.15%
Gains-networkArbitrum14.87MUSDC0%10.35%13.11%
AvantisBase100.36MUSDC0%14.34%10.78%
Blend-pools-v2Stellar4.81MUSDC0%13.22%10.52%
GoldfinchEthereum37.77MUSDC0%9.59%10.01%
DeltaprimeArbitrum1.28MUSDC0%9.7%8.95%
WasabiBase10.90MUSDC0%10.43%8.73%
LiqwidCardano2.78MUSDC1.45%9.59%8.72%
LoopscaleSolana4.90MUSDC0%9.33%8.7%
Harvest-financeBase3.38MUSDC0%9.57%8.57%
Silo-v2Avalanche1.92MUSDC0%8.27%7.42%
Ipor-fusionBase1.92MUSDC0%9.42%7.34%
AutofinanceArbitrum1.92MUSDC2.6%10.14%7.3%
Yo-protocolBase29.19MUSDC0%8.36%6.97%
Extra-finance-leverage-farmingBase5.81MUSDC0.57%7.95%6.85%
Euler-v2Avalanche2.89MUSDC0%7.21%6.83%
Harmonix-financeArbitrum3.88MUSDC0%8.52%6.82%
AutofinanceBase25MUSDC2.65%10.28%6.75%
Hyperlend-pooledHyperliquid6.19MUSDC0%5.84%6.59%
Scallop-lendSui1.67MUSDC0%5.82%6.14%
Ipor-fusionEthereum6.52MUSDC0%6.85%6.08%
AutofinanceEthereum8MUSDC1.48%7.76%6.06%
SaveSolana5.61MUSDC0%6.61%6.03%
Euler-v2Arbitrum2.44MUSDC0%6.17%6.03%
Euler-v2Arbitrum1.21MUSDC0%4.55%6.01%
TermmaxEthereum3.11MUSDC0%7.68%5.58%
Harvest-financeBase1.83MUSDC0%6.44%5.54%
Yearn-financeBase2.37MUSDC0%5.29%5.48%
Echelon-marketAptos13.05MUSDC0%5.45%5.4%
Yearn-financeEthereum29.18MUSDC0%5.31%5.38%
Ipor-fusionBase1.83MUSDC0%6.26%5.37%
Harvest-financeEthereum1.08MUSDC0%5.53%5.25%
DolomiteArbitrum3.23MUSDC0%4.35%5.2%
Harvest-financeBase1.45MUSDC0%5.72%5.17%
Euler-v2Ethereum10.84MUSDC0%6.67%5.04%
ExactlyOptimism1.24MUSDC0%4.81%4.76%
Fluid-lendingPolygon2.82MUSDC0%5.19%4.73%
Yearn-financeEthereum1.10MUSDC0%5.19%4.68%
Moonwell-lendingBase7.01MUSDC0.9%6.11%4.55%
ExactlyOptimism1.24MUSDC0%4.63%4.52%
ExactlyOptimism1.24MUSDC0%4.52%4.47%
Yearn-financeEthereum35.81MUSDC0%5.34%4.45%
ExactlyOptimism1.24MUSDC0%4.64%4.36%
Folks-finance-lendingAlgorand1.86MUSDC0%4.98%4.33%
ExactlyOptimism1.24MUSDC0%4.43%4.2%
ExactlyOptimism1.24MUSDC0%4.16%4.17%
ExactlyOptimism1.24MUSDC0%4.14%4.15%
Yearn-financeEthereum7.13MUSDC0%3.53%4.15%
Flux-financeEthereum1.61MUSDC0%4.49%4.11%
DeltaprimeAvalanche2.21MUSDC0%7.59%4.11%
Fluid-lendingEthereum1.21MUSDC0%3.85%4.1%
Fluid-lendingEthereum278.24MUSDC1.27%5.25%4.1%
Takara-lendSei1.69MUSDC5.7%10.69%4.1%
Benqi-lendingAvalanche8.97MUSDC0%4.38%4.06%
Gains-networkBase1.37MUSDC0%8.18%4.01%
Hatom-lendingMultiversX1.31MUSDC0.93%4.89%3.96%
ExactlyOptimism1.24MUSDC0%3.86%3.91%
SparklendEthereum7.48MUSDC0%3.7%3.9%
ExactlyOptimism1.24MUSDC0%3.08%3.81%
ExactlyOptimism1.24MUSDC0%3.69%3.73%
Fluid-lendingBase23.69MUSDC1.64%5.2%3.71%
VesperEthereum2.46MUSDC0%9.42%3.63%
Kamino-lendSolana96.96MUSDC0%4.16%3.59%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum728.8M7.63%
Avalanche517.6M5.46%
Base15217.2M7.91%
BSC113.3M5.07%
Ethereum252.1B7.21%
Mantle000%
Optimism1012.4M4.21%
Polygon12.8M4.73%
Solana5111M7.52%
TON000%
zkSync Era000%