Ethereum Decentralized Lending Rates for stablecoin

List of decentralized protocols and stablecoin pools on Ethereum blockchain, 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 3.80% on Nov 13 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 Stablecoin Yield: Lending/Staking/Liquidity Pools APY Rates on DexLender
15/11/2025 06:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum3.46MUSDC0%41.28%43.82%
Bracket-vaultsEthereum9.20MUSDC0%18.93%19.26%
Euler-v2Ethereum1.09MUSDC0%16.56%4.09%
Ipor-fusionEthereum1.15MUSDC0%16.35%14.19%
Stream-financeEthereum382.28MUSDC0%15.02%15.52%
AcrossEthereum1.52MDAI1.09%9.99%4.45%
GoldfinchEthereum42.57MUSDC0%9.56%9.56%
AutofinanceEthereum11.28MUSDC1.18%8.85%6.79%
Harvest-financeEthereum1.10MUSDC0%8.54%7.06%
Yearn-financeEthereum1.10MUSDC0%7.87%5.88%
MapleEthereum1.56BUSDT0.89%7.02%5.78%
Yearn-financeEthereum20.07MUSDC0%6.65%7.16%
Euler-v2Ethereum14.41MUSDC0%6.59%7.11%
Yearn-financeEthereum12.78MUSDC0%6.35%8.9%
Fluid-lendingEthereum263.37MUSDC1.68%6.34%6.11%
Yearn-financeEthereum34.30MUSDC0%5.72%6.91%
Yearn-financeEthereum7.86MUSDT0%5.52%5.4%
TermmaxEthereum3.09MUSDC0%5.49%8.21%
Euler-v2Ethereum6.50MUSDC0%5.48%5.56%
Compound-v3Ethereum42.42MUSDC0.19%5.45%4.03%
VesperEthereum2.21MUSDC0%5.43%13.68%
Yearn-financeEthereum14.86MDAI0%5.21%6.31%
Flux-financeEthereum1.53MUSDT0%4.64%4.67%
Yearn-financeEthereum7.85MUSDT0%4.64%5.13%
Yearn-financeEthereum11.32MDAI0%4.61%3.9%
TermmaxEthereum2.73MUSDC0%4.57%6.69%
Aave-v3Ethereum731.24MUSDC0%4.09%4.25%
Aave-v3Ethereum13.98MDAI0%3.58%4.08%