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 3.60% on Feb 13 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 Stablecoin Yield: Lending/Staking/Liquidity Pools APY Rates on DexLender
18/02/2026 11:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
MapleEthereum1.35BUSDT0%4.51%4.06%
Spark-savingsEthereum224.66MUSDC0%4%4%
Spark-savingsAvalanche144.92MUSDC0%4%4%
AvantisBase88.88MUSDC0%11.32%12.11%
Euler-v2Ethereum40.10MUSDC0%4.94%5.22%
GoldfinchEthereum37.75MUSDC0%10.01%10.01%
Yo-protocolBase29.78MUSDC14%16.06%5.5%
Euler-v2Ethereum24.24MUSDC0%4.68%4.94%
AutofinanceEthereum18.84MUSDC0.33%8.41%6.24%
AutofinanceBase17.90MUSDC1.66%7.12%4.71%
Hyperlend-pooledHyperliquid L117.33MUSDC0%5.94%4.72%
Yearn-financeEthereum12.67MDAI0%4.43%3.81%
Gains-networkArbitrum12.39MUSDC0%10.51%5.22%
DolomiteEthereum11.53MUSDC0%4.54%4.31%
Navi-lendingSui10.43MUSDC0.64%5.11%4.1%
Euler-v2Arbitrum9.45MUSDC0%3.67%3.62%
Echelon-marketAptos7.84MUSDC0%4.86%4.81%
Yearn-financeEthereum7.39MUSDC0%5.73%5.43%
Yearn-financeEthereum7.36MUSDT0%4.58%4.8%
Yearn-financeEthereum7.34MUSDT0%4.26%3.93%
Euler-v2Avalanche6.61MUSDC0%5.44%5.78%
WasabiBase6.53MUSDC0%6.49%5.2%
Blend-pools-v2Stellar6.32MUSDC0%11.16%12.57%
AutofinanceEthereum5.01MUSDC0%5.7%6.1%
Harvest-financeBase4.22MUSDC0%6.39%6.64%
NeverlandMonad4.07MUSDC6.54%13.02%4.66%
Extra-finance-leverage-farmingBase3.98MUSDC0%5.26%4.9%
Ipor-fusionEthereum3.92MUSDT0%6.96%7.32%
Bracket-vaultsEthereum3.28MUSDC0%14.73%13.99%
Euler-v2Avalanche2.95MUSDT0%31.01%31.01%
LiqwidCardano2.65MUSDC1.58%10.94%4.45%
Folks-finance-xchainPolygon2.44MUSDT0%4.18%3.75%
LoopscaleSolana2.18MUSDC0.72%7.52%6.38%
Gains-networkBase2.08MUSDC0%9.02%4.53%
Folks-finance-lendingAlgorand1.88MUSDC0%4.19%3.92%
WasabiSolana1.69MUSDC0%7.7%6.99%
ExactlyOptimism1.66MUSDC0%3.8%4.14%
ExactlyOptimism1.66MUSDC0%3.99%4.04%
ExactlyOptimism1.66MUSDC0%4.22%4.17%
ExactlyOptimism1.66MUSDC0%3.87%3.64%
ExactlyOptimism1.66MUSDC0%2.98%3.68%
ExactlyOptimism1.66MUSDC0%3.86%3.93%
ExactlyOptimism1.66MUSDC0%4.22%4.24%
ExactlyOptimism1.66MUSDC0%4.38%4.21%
ExactlyOptimism1.66MUSDC0%4.06%4.11%
Flux-financeEthereum1.61MUSDT0%4.61%4.63%
Scallop-lendSui1.48MUSDC0%5.48%5.43%
Yearn-financeEthereum1.45MUSDC0%8.05%7.02%
Flux-financeEthereum1.44MUSDC0%4.17%4.19%
Blend-pools-v2Stellar1.38MUSDC0.74%13.68%13.63%
SymbiosisTron1.37MUSDT0%4.87%4.65%
LoopscaleSolana1.34MUSDC2.01%7.61%4.79%
AutofinanceArbitrum1.34MUSDC1.81%6.36%4.45%
DeltaprimeAvalanche1.31MUSDC0%6.5%6.46%
Euler-v2Avalanche1.30MUSDC0%7.72%5.78%
Woofi-earnArbitrum1.20MUSDC0%7.11%7.06%
Euler-v2Avalanche1.19MUSDC0%5.83%5.83%
Harmonix-financeArbitrum1.17MUSDC0%5.45%5.96%
Yearn-financeEthereum1.11MUSDC0%4.25%3.87%
SymbiosisEthereum1.05MUSDC0%5.94%5.58%
Silo-v2Avalanche1.04MUSDC0%8.07%4.98%
Silo-v2Avalanche1.04MUSDC0%8.07%4.98%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum525.5M5.26%
Avalanche8160.4M8.6%
Base7153.4M6.23%
BSC000%
Ethereum191.8B5.76%
Hyperliquid000%
Mantle000%
Optimism914.9M4.02%
Polygon12.4M3.75%
Solana35.2M6.05%
TON000%
zkSync Era000%