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 3.58% on Dec 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
14/12/2025 11:00:03

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum4.20MUSDC0%42.54%43.21%
Bracket-vaultsEthereum8.66MUSDC0%18.46%17.59%
Ipor-fusionEthereum1.27MUSDC0%10.72%11.6%
GoldfinchEthereum37.75MUSDC0%9.55%10.01%
AcrossEthereum1.58MDAI0.85%9.11%7.34%
AutofinanceEthereum8MUSDC1.58%7.79%5.95%
Euler-v2Ethereum7.22MUSDC0%6.81%5.88%
TermmaxEthereum3.11MUSDC0%7.8%5.59%
Harvest-financeEthereum1.08MUSDC0%5.65%5.22%
Yearn-financeEthereum7.60MUSDT0%5.54%5.13%
MapleEthereum1.56BUSDT0.89%6.26%5%
Yearn-financeEthereum29.15MUSDC0%5.47%4.99%
Yearn-financeEthereum7.83MUSDT0%5.24%4.73%
Yearn-financeEthereum35.79MUSDC0%5.49%4.64%
Flux-financeEthereum1.65MUSDT0%4.65%4.59%
Yearn-financeEthereum14.66MDAI0%5.26%4.58%
Yearn-financeEthereum1.10MUSDC0%5.29%4.29%
Yearn-financeEthereum11.27MDAI0%3.6%4.21%
SparklendEthereum7.02MUSDC0%3.65%4.17%
Yearn-financeEthereum7.13MUSDC0%3.49%4.14%
Flux-financeEthereum1.60MUSDC0%4.55%4.12%
Aave-v3Ethereum849.11MUSDT0%3.62%3.88%
Yearn-financeEthereum4.71MUSDT0%2.95%3.7%
Fluid-lendingEthereum277.15MUSDC1.36%5.41%3.64%
Fluid-lendingEthereum1.16MUSDC0%3.98%3.64%
SparklendEthereum58.05MUSDT0%3.14%3.62%