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 3.60% on May 14 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
17/05/2026 00:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Spark-savingsEthereum0.95BUSDC0%3.67%3.65%
MapleEthereum0.93BUSDT0%4.5%4.45%
Ember-protocolEthereum46.51MUSDC13%22.06%12.52%
GoldfinchEthereum37.25MUSDC0%10.06%10.06%
Compound-v3Ethereum32.22MUSDC0.13%2.94%4.17%
Zerobase-cedefiEthereum14.45MUSDT2%9%7%
Yearn-financeEthereum10.47MUSDC0%4.97%4.71%
AutofinanceEthereum8.23MUSDC0.6%6.1%3.65%
TermmaxEthereum7.31MUSDC0%1.97%3.67%
Ember-protocolEthereum4.50MUSDC0%7.62%7.01%
SparklendEthereum4MUSDC0%4.11%4.04%
Yearn-financeEthereum3.63MUSDC0%6.44%4.52%
Yo-protocolEthereum3.37MUSDC7.8%13.96%3.94%
Ember-protocolEthereum2.79MUSDC0%9.69%13.03%
Bracket-vaultsEthereum2.71MUSDC0%11.07%10.6%
Flux-financeEthereum2.69MUSDC0%3.71%3.68%
AutofinanceEthereum2.03MUSDC0%8.78%11.85%
TermmaxEthereum2.01MUSDC0%3.72%3.61%
Flux-financeEthereum1.70MUSDT0%4.6%4.58%
Fusion-by-iporEthereum1.30MUSDC0%4.72%3.77%
Harvest-financeEthereum1.09MUSDC0%5%4.76%
SymbiosisEthereum1.03MUSDC0%6.95%5.37%
SymbiosisEthereum1.03MUSDC0%6.95%5.37%