Decentralized Lending Rates for stablecoin

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 4.25% on Jul 11 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
15/07/2025 20:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Fluid-lendingEthereum243.20MUSDC2.96%6.29%5.04%
Stream-financeEthereum81.53MUSDC0%11.21%11.85%
Compound-v3Ethereum48.57MUSDC0.24%4.41%5.05%
GoldfinchEthereum42.70MUSDC0%9.55%9.55%
Kamino-lendSolana40.80MUSDC0%5.38%5.16%
Navi-lendingSui26.57MUSDC0%7.28%8.44%
Aave-v3Arbitrum24.32MUSDC0%3.76%4.41%
TokemakBase20.60MUSDC3.26%11.2%8.65%
Aave-v3Base19.93MUSDC0%3.8%4.37%
Yearn-financeEthereum18.36MDAI0.05%4.77%5.58%
Euler-v2Ethereum17.33MUSDC0.15%7.58%8.23%
TokemakEthereum16.83MUSDC1.82%9.23%7.48%
Compound-v2Ethereum15.42MUSDT0%5.07%6.75%
Yearn-financeEthereum14.95MUSDC1.13%5.75%5.5%
Aave-v3Polygon12.16MUSDT0%3.4%4.32%
Aave-v3Avalanche11.57MUSDC0%3.25%5.28%
Storm-tradeTon10.99MUSDT0%9.59%5.02%
Benqi-lendingAvalanche10.51MUSDC0%5.8%7.5%
Gains-networkArbitrum10.51MUSDC0%10.59%14.95%
Euler-v2Avalanche7.57MUSDT0%9.26%7.08%
Moonwell-lendingBase7.55MUSDC1.98%5.7%6.89%
Extra-finance-leverage-farmingBase7.38MUSDC0.18%7.67%7.66%
Compound-v2Ethereum6.33MUSDC0%5.67%6.59%
Morpho-blueEthereum6.29MUSDC0%8.6%16.57%
Peapods-optionsEthereum6.27MUSDC0%43.11%35.01%
Harmonix-financeArbitrum5.49MUSDC0%13.08%11.07%
Harvest-financeBase5.32MUSDC0%7.99%8.95%
Echelon-marketAptos4.91MUSDC2.88%10.05%17.08%
Euler-v2Unichain4.66MUSDC0%4.82%8.01%
Compound-v2Ethereum4.49MDAI0%4.89%5.85%
Silo-v2Sonic4.39MUSDC0%4.77%5.81%
Peapods-optionsArbitrum3.95MUSDC0%37.32%24.1%
Peapods-optionsEthereum3.93MUSDC0%33.19%48.01%
Ipor-fusionBase3.66MUSDC0%7.29%8.59%
Harvest-financeBase3.66MUSDC0%8.12%8.41%
Benqi-lendingAvalanche3.57MUSDT0%6.52%7.6%
Euler-v2Avalanche3.50MUSDC0%8.21%8.9%
Euler-v2Ethereum3.33MUSDC0.85%7.26%4.92%
SuperlendEtherlink3.20MUSDC0%11.41%4.43%
DeltaprimeAvalanche2.85MUSDC0%11.4%10.05%
LiqwidCardano2.77MUSDC1.32%21.36%14.96%
AcrossEthereum2.73MDAI2.08%6.47%6.33%
SuperlendEtherlink2.45MUSDT0%12.06%4.65%
FranciumSolana2.44MUSDC0%13.15%13.15%
WasabiEthereum2.31MUSDC0%8.48%14.23%
Kamino-lendSolana2.25MUSDT0%4.86%4.68%
Scallop-lendSui2.23MUSDC0%6.44%8.94%
Gains-networkBase2.20MUSDC0%8.93%12.28%
Mars-lendOsmosis2.16MUSDC0%5.02%5.53%
Harvest-financeBase2.15MUSDC0%11.12%9.02%
Peapods-optionsEthereum2.04MUSDC0%40.24%23.85%
Euler-v2Arbitrum2.04MUSDC0%3.86%4.75%
Colend-protocolCore1.91MUSDT0%14.85%13.18%
Echelon-marketMove1.89MUSDC3.71%10.46%6.34%
Echelon-marketAptos1.83MUSDT2.06%7.97%5.93%
Polynomial-liquidityPolynomial1.80MUSDC0%5.97%5.75%
VesperEthereum1.79MUSDC0%5.52%6.19%
DolomiteArbitrum1.77MUSDC0%7.96%8.36%
Echelon-marketEchelon_initia1.72MUSDC6.36%9.43%4.64%
Flux-financeEthereum1.59MUSDT0%4.68%4.61%
ExactlyOptimism1.50MUSDC0%5.29%5.2%
ExactlyOptimism1.50MUSDC0%4.52%4.54%
ExactlyOptimism1.50MUSDC0%4.21%4.28%
ExactlyOptimism1.50MUSDC0%4.7%4.73%
ExactlyOptimism1.50MUSDC0%4.61%4.65%
ExactlyOptimism1.50MUSDC0%4.98%4.92%
ExactlyOptimism1.50MUSDC0%4.58%4.58%
Yield-yak-aggregatorAvalanche1.44MUSDC0%5.53%8.58%
WasabiBase1.44MUSDC0%17.45%20.88%
Echelon-marketMove1.37MUSDT3.44%11.15%6.54%
Euler-v2Avalanche1.32MUSDC0%7.8%8.06%
DeltaprimeArbitrum1.30MUSDC0%13.56%11.97%
Euler-v2Ethereum1.22MUSDT0%7.84%6.07%
Gains-networkArbitrum1.22MDAI0%3.06%4.34%
Flux-financeEthereum1.15MUSDC0%4.39%4.39%
Harvest-financeEthereum1.08MUSDC0%6.51%9.16%
Euler-v2Ethereum1.07MUSDC6.65%14.28%12.6%
Yearn-financeEthereum1.07MUSDT0%4.44%4.78%
Ipor-fusionEthereum1.06MUSDC0%6.19%7.87%
Folks-finance-lendingAlgorand1.03MUSDC0%5.53%9.03%
Extra-finance-leverage-farmingOptimism1.01MUSDC0%7.39%7.29%
Extra-finance-leverage-farmingOptimism1.01MUSDC0%7.39%7.29%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum850.6M10.49%
Avalanche842.3M7.88%
Base1073.9M9.57%
BSC000%
Ethereum26546.6M10.85%
Mantle000%
Optimism912.6M5.27%
Polygon112.2M4.32%
Solana345.5M7.66%
TON111M5.02%
zkSync Era000%