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 3.59% on Feb 05 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
08/02/2026 15:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Bracket-vaultsEthereum3.30MUSDC0%15.21%14.48%
Gains-networkArbitrum13.14MUSDC0%10.23%13.94%
FranciumSolana2.44MUSDC0%13.15%13.15%
Blend-pools-v2Stellar1.39MUSDC0.74%14.14%12.31%
AvantisBase88.50MUSDC0%11.35%11.6%
Blend-pools-v2Stellar7.21MUSDC0%12%10.34%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
WasabiSolana1.99MUSDC0%9.12%9.91%
Yearn-financeEthereum1.40MUSDC0%4.76%8.82%
Gains-networkBase2.37MUSDC0%10.88%8.64%
LiqwidCardano2.27MUSDC1.58%12.57%8.33%
SymbiosisEthereum1.19MUSDC0%5.55%8.29%
WasabiBase7.98MUSDC0%7.26%7.8%
AutofinanceEthereum14.72MUSDC0.45%8.82%7.67%
Woofi-earnArbitrum1.21MUSDC0%7.1%6.99%
Hyperlend-pooledHyperliquid9.87MUSDC0%5.89%6.32%
DeltaprimeAvalanche1.34MUSDC0%6.73%6.29%
Silo-v2Avalanche1.24MUSDC0%8.94%6.06%
Ipor-fusionBase1.84MUSDC0%7.52%5.95%
Yo-protocolBase28.29MUSDC14%11.33%5.91%
Harmonix-financeArbitrum1.26MUSDC0%5.18%5.84%
VesperEthereum2.40MUSDC0%4.41%5.66%
AutofinanceBase18.88MUSDC1.76%7.62%5.4%
LoopscaleSolana4.98MUSDC0.65%8.37%5.4%
Scallop-lendSui1.77MUSDC0%5.68%5.28%
LoopscaleSolana9.66MUSDC0%6.03%5.26%
Euler-v2Ethereum39.98MUSDC0%4.72%5.23%
Harvest-financeBase3.12MUSDC0%6.28%4.93%
NeverlandMonad2.65MUSDC9.38%14.5%4.85%
Euler-v2Ethereum24.45MUSDC0%4.73%4.85%
Echelon-marketAptos9.93MUSDC0%4.78%4.84%
AutofinanceEthereum8.70MUSDC0%2.65%4.81%
Euler-v2Arbitrum1.01MUSDC0%6.91%4.49%
Euler-v2Arbitrum1.01MUSDC0%6.91%4.49%
ExactlyOptimism1.77MUSDC0%4.4%4.38%
ExactlyOptimism1.77MUSDC0%4.21%4.23%
ExactlyOptimism1.77MUSDC0%4.2%4.23%
AutofinanceArbitrum1.32MUSDC2.19%6.71%4.2%
Flux-financeEthereum1.44MUSDC0%4.15%4.19%
Extra-finance-leverage-farmingBase4.87MUSDC0.14%6.18%4.12%
ExactlyOptimism1.77MUSDC0%4.02%4.08%
Navi-lendingSui10.47MUSDC0.81%5.46%4.02%
ExactlyOptimism1.77MUSDC0%3.95%4.01%
Spark-savingsEthereum156.76MUSDC0%4%4%
Spark-savingsAvalanche113.35MUSDC0%4%4%
ExactlyOptimism1.77MUSDC0%3.86%3.89%
ExactlyOptimism1.77MUSDC0%3.79%3.89%
DolomiteEthereum16.44MUSDC0%3.9%3.89%
Harvest-financeEthereum1.07MUSDC0%4.88%3.86%
Yearn-financeEthereum33.24MUSDC0%4.68%3.84%
ExactlyOptimism1.77MUSDC0%3.58%3.82%
Aave-v3Base54.41MUSDC0%3.8%3.75%
Folks-finance-lendingAlgorand2.09MUSDC0%4.31%3.71%
Kamino-lendSolana24.14MUSDC0%3.1%3.65%
Ipor-fusionBase1.07MUSDC0%4.8%3.64%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum618.9M6.66%
Avalanche3115.9M5.45%
Base10211.3M6.17%
BSC000%
Ethereum212.2B6.12%
Hyperliquid19.9M6.32%
Mantle000%
Optimism814.2M4.07%
Polygon12.2M3.94%
Solana543.2M7.47%
TON15.7M13.32%
zkSync Era000%