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 % on ). 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
07/10/2026 22:30:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
MapleEthereum614.93MUSDT0%4.94%5.59%
Spark-savingsEthereum605.42MUSDT0%3.5%3.75%
Spark-savingsEthereum319.13MUSDC0%3.6%3.8%
Aave-v3Ethereum154.21MUSDT0%3.85%4.18%
Aave-v3Ethereum135.01MUSDC0%4.2%4.23%
Fluid-lendingEthereum130.44MUSDT0%4.56%4.49%
Fluid-lendingEthereum129.35MUSDC0%4.51%5.74%
Pareto-creditEthereum127.10MUSDC0%7.87%8.06%
Sentora-curatorEthereum95.67MUSDC0%7.46%7.62%
SparklendEthereum75.07MDAI0%2.6%2.85%
Midas-rwaEthereum74.82MUSDC0%3.4%3.72%
Midas-rwaEthereum65.77MUSDC0%7.55%7.34%
Aave-v3Ethereum64.78MUSDT1.57%5.37%4.18%
Aave-v3Ethereum57.83MUSDC1.68%5.77%4.23%
Compound-v3Ethereum36.65MUSDC0%4.53%4.63%
Midas-rwaEthereum34.06MUSDC0%6.56%6.1%
Midas-rwaEthereum31.30MUSDC0%7.1%8.38%
DolomiteEthereum29.64MUSDC3.91%7.32%3.31%
Midas-rwaEthereum26.25MUSDC0%8.69%6.48%
Pareto-creditEthereum22.09MUSDC0%6.62%6.62%
Yearn-financeEthereum19.33MUSDC0%3.69%3.66%
Ember-protocolEthereum17.77MUSDC0%11.36%7.07%
Compound-v3Ethereum17.51MUSDT0%3.07%3.22%
SparklendEthereum16.71MUSDT0%3.41%3.4%
Zerobase-cedefiEthereum14.07MUSDT2%9%7%
Yearn-financeEthereum11.90MUSDC0%6.68%7.14%
Pareto-creditEthereum11.09MUSDC0%10.59%10.59%
AccountableEthereum11.06MUSDC0%12.39%12.13%
Aave-v3Ethereum10.36MDAI0%3.17%3.45%
Centrifuge-protocolEthereum9.30MUSDC0%3.68%4.36%
AguaEthereum8.49MUSDC0%10%10%
Alchemix-v3Ethereum7.72MUSDC0%5.36%5.25%
AutofinanceEthereum7.63MUSDC0.99%6.22%5.44%
Yearn-financeEthereum7.62MUSDC0%6.87%6.99%
Yearn-financeEthereum7.30MDAI0%3%2.9%
Midas-rwaEthereum6.67MUSDC0%6.75%7.11%
Midas-rwaEthereum6.44MUSDC0%3.59%4.4%
Yearn-financeEthereum5.74MUSDT0%3.28%3.16%
Ember-protocolEthereum5.55MUSDC0%10.86%8.69%
Lista-lendingEthereum4.69MUSDC5.34%6.91%1.25%
SparklendEthereum4.29MUSDC0%3.4%3.56%
Lista-lendingEthereum3.92MUSDT3.96%5.84%1.35%
Midas-rwaEthereum3.91MUSDC0%7.19%8.55%
Ember-protocolEthereum3.70MUSDC0%9.57%9.51%
AccountableEthereum3.40MUSDC0%10.93%10.89%
Aave-v4Ethereum3.36MUSDC0%4.78%3.93%
AccountableEthereum2.91MUSDC9.68%37.75%8.4%
Centrifuge-protocolEthereum2.68MUSDT0%4.61%10.07%
Ember-protocolEthereum2.63MUSDC0%12.95%12.9%
Midas-rwaEthereum2.53MUSDC0%7.19%8.55%
Yearn-financeEthereum2.39MUSDC0%4.06%4.23%
Ember-protocolEthereum2.04MUSDC0%4.49%4.33%
Pareto-creditEthereum1.98MUSDC0%9.38%9.38%
Flux-financeEthereum1.95MUSDT0%4.45%4.44%
Native-credit-poolEthereum1.87MUSDT0%3.31%3.31%
Midas-rwaEthereum1.74MUSDC0%8.74%6.02%
Aave-v4Ethereum1.70MUSDT0%4.23%5.38%
Ember-protocolEthereum1.64MUSDC0%11.25%12.93%
Flux-financeEthereum1.60MUSDC0%4.07%4.14%
Aave-v3Ethereum1.51MUSDC0%3.28%2.84%
Yo-protocolEthereum1.35MUSDC0%4.27%3.94%
EnsuroEthereum1.30MUSDC0%21.3%22.69%
Fusion-by-iporEthereum1.28MUSDC0%6.2%5.27%
AccountableEthereum1.25MUSDC0%15.14%10.23%
Harvest-financeEthereum1.16MUSDC0%6.89%6.73%
SymbiosisEthereum1.15MUSDC0%4.59%5.24%
Native-credit-poolEthereum1.14MUSDC0%4.93%4.93%
AcrossEthereum1.12MUSDT2.96%2.97%0.5%
Yearn-financeEthereum1.12MUSDC0%3.44%3.69%
AccountableEthereum1.05MUSDC0.75%14.79%14.25%
AcrossEthereum1.03MUSDC4.65%4.57%0.25%