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 Jan 29 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
01/02/2026 10:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Gains-networkArbitrum13.01MUSDC0%8%18.96%
Gains-networkBase2.30MUSDC0%10.08%16.57%
Bracket-vaultsEthereum4.07MUSDC0%15.5%14.9%
Blend-pools-v2Stellar1.31MUSDC0.86%14.18%13.76%
LiqwidCardano1.67MUSDC1.58%12.47%13.29%
FranciumSolana2.44MUSDC0%13.15%13.15%
Blend-pools-v2Stellar6.29MUSDC0%12.53%10.86%
AvantisBase93.22MUSDC0%10.87%10.31%
GoldfinchEthereum37.74MUSDC0%10.01%10.01%
AutofinanceEthereum12.51MUSDC0.39%8.68%8.4%
Ipor-fusionBase1.87MUSDC0%7.65%7.74%
WasabiBase9.90MUSDC0%7.53%7.41%
LoopscaleSolana2.98MUSDC0.56%9.12%7.24%
Woofi-earnArbitrum1.19MUSDC0%7.13%7.14%
Yearn-financeEthereum33.30MUSDC0%4.66%7.01%
Yo-protocolBase27.80MUSDC14%8.08%6.95%
Hyperlend-pooledHyperliquid7.98MUSDC0%5.55%6.37%
Yearn-financeEthereum1.10MUSDC0%4.66%6.34%
WasabiSolana1.49MUSDC0%9.09%6.07%
DeltaprimeAvalanche1.83MUSDC0%7.16%6.07%
LoopscaleSolana10.81MUSDC0%6.22%5.85%
Harvest-financeBase3.04MUSDC0%6.44%5.71%
DolomiteArbitrum2.15MUSDC0%4.72%5.65%
AutofinanceBase22.59MUSDC1.41%7.93%5.48%
Extra-finance-leverage-farmingBase5.85MUSDC0.12%6.61%5.36%
Harmonix-financeArbitrum1.33MUSDC0%5.06%5.3%
Scallop-lendSui2MUSDC0%5.7%5.28%
Harvest-financeEthereum1.07MUSDC0%5%5.15%
Harvest-financeEthereum1.07MUSDC0%5%5.15%
VesperEthereum2.43MUSDC0%4.2%5.08%
Euler-v2Ethereum22.44MUSDC0%4.71%5%
Euler-v2Ethereum35.66MUSDC0%4.58%4.96%
Folks-finance-lendingAlgorand1.43MUSDC0%4.26%4.8%
Euler-v2Avalanche4MUSDC0%9.15%4.78%
AutofinanceEthereum8.70MUSDC0%1.64%4.77%
Echelon-marketAptos13.79MUSDC0%4.74%4.63%
DolomiteEthereum9.27MUSDC0%3.68%4.45%
NeverlandMonad2.79MUSDC9.15%16.22%4.41%
ExactlyOptimism1.81MUSDC0%4.4%4.39%
Takara-lendSei1.25MUSDC3.74%8.53%4.36%
Yearn-financeBase2.33MUSDC0%4.77%4.35%
Ipor-fusionBase1.54MUSDC0%4.94%4.35%
Harvest-financeBase1.54MUSDC0%5.3%4.34%
Benqi-lendingAvalanche6.64MUSDC0%4.88%4.31%
Aave-v3Ethereum8.31MUSDC0%4.33%4.22%
ExactlyOptimism1.81MUSDC0%4.2%4.22%
ExactlyOptimism1.81MUSDC0%4.19%4.21%
Flux-financeEthereum1.47MUSDC0%4.13%4.18%
Compound-v3Base1.31MUSDC0.49%3.96%4.17%
AutofinanceArbitrum1.33MUSDC2.01%7.2%4.12%
SparklendEthereum6.38MUSDC0%3.94%4.1%
ExactlyOptimism1.81MUSDC0%3.99%4.04%
Spark-savingsEthereum207.06MUSDC0%4%4%
Spark-savingsAvalanche94.72MUSDC0%4%4%
Navi-lendingSui12.10MUSDC0.81%5.73%3.98%
ExactlyOptimism1.81MUSDC0%3.92%3.98%
ExactlyOptimism1.81MUSDC0%3.84%3.88%
ExactlyOptimism1.81MUSDC0%3.75%3.84%
Aave-v3Base45.88MUSDC0%3.6%3.84%
Aave-v3Ethereum494.38MUSDC0%3.66%3.79%
ExactlyOptimism1.81MUSDC0%3.9%3.76%
Moonwell-lendingBase9.82MUSDC0%4.82%3.7%
ExactlyOptimism1.81MUSDC0%3.51%3.62%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum519M8.24%
Avalanche4107.2M4.79%
Base14229M6.45%
BSC111.1M7.28%
Ethereum262.8B6.04%
Hyperliquid18M6.37%
Mantle000%
Optimism916.3M3.99%
Polygon12.1M4.06%
Solana417.7M8.08%
TON15.8M5.46%
zkSync Era000%