Decentralized Lending Rates for stablecoin USDC

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 3.58% 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 USDC Yield: Lending/Staking/Liquidity Pools APY Rates on DexLender
14/12/2025 05:00:04

Protocol Name Blockchain Name ▼ TVL ↓ Stablecoin Reward APY ⓘ Average 30 days APY ↓ Current Base APY ↓
Peapods-financeEthereum4.20MUSDC0%42.8%43.33%
KiloexBase1.11MUSDC0%30.67%26.98%
Bracket-vaultsEthereum8.66MUSDC0%18.47%17.59%
Blend-pools-v2Stellar1.12MUSDC0.8%16.12%13.32%
FranciumSolana2.44MUSDC0%13.15%13.15%
Ipor-fusionEthereum1.27MUSDC0%10.76%11.6%
WasabiBase10.32MUSDC0%10.88%10.67%
Gains-networkArbitrum14.97MUSDC0%10.53%10.51%
AvantisBase101.58MUSDC0%15.15%10.47%
Blend-pools-v2Stellar4.87MUSDC0%13.67%10.33%
GoldfinchEthereum37.75MUSDC0%9.55%10.01%
LoopscaleSolana1.06MUSDC1.1%10.28%9.06%
LoopscaleSolana1.06MUSDC1.1%10.28%9.06%
LoopscaleSolana5.07MUSDC0%9.45%8.88%
DeltaprimeArbitrum1.30MUSDC0%10.14%8.58%
DeltaprimeAvalanche2.22MUSDC0%7.99%8.2%
WasabiSolana1.16MUSDC0%11.25%8.14%
LiqwidCardano3.02MUSDC1.56%9.98%8.07%
Ipor-fusionBase1.94MUSDC0%9.98%8.06%
Silo-v2Avalanche1.92MUSDC0%8.19%7.42%
Harvest-financeBase3.38MUSDC0%9.99%7.37%
Harmonix-financeArbitrum3.93MUSDC0%8.71%7.24%
Yo-protocolBase28.70MUSDC0%8.62%7.18%
AutofinanceArbitrum2.13MUSDC2.42%10.43%7.15%
Extra-finance-leverage-farmingBase5.79MUSDC0.62%8.05%7.07%
AutofinanceBase24.72MUSDC2.83%10.4%6.83%
Gains-networkBase1.52MUSDC0%8.4%6.73%
Euler-v2Ethereum3.70MUSDC0%6.82%6.73%
Hyperlend-pooledHyperliquid4.69MUSDC0%5.85%6.38%
Euler-v2Avalanche3.86MUSDC0%7.17%6.33%
Scallop-lendSui1.59MUSDC0%5.86%6.21%
SaveSolana5.10MUSDC0%6.67%6.15%
AutofinanceEthereum8MUSDC1.58%7.8%6.1%
Euler-v2Arbitrum1.22MUSDC0%4.67%6.06%
Euler-v2Arbitrum2.37MUSDC0%6.28%5.92%
Harvest-financeBase1.86MUSDC0%6.59%5.78%
Ipor-fusionBase1.85MUSDC0%6.38%5.78%
TermmaxEthereum3.11MUSDC0%7.81%5.59%
Harvest-financeBase1.35MUSDC0%4.99%5.58%
Yearn-financeBase2.37MUSDC0%5.35%5.51%
Harvest-financeEthereum1.09MUSDC0%5.67%5.27%
Takara-lendSei1.39MUSDC6.84%11.13%5.13%
Yearn-financeEthereum29.15MUSDC0%5.48%4.91%
Echelon-marketAptos17.21MUSDC0%5.76%4.85%
ExactlyOptimism1.21MUSDC0%4.82%4.77%
Moonwell-lendingBase6.77MUSDC0.97%6.19%4.64%
DolomiteArbitrum3.98MUSDC0%4.4%4.57%
ExactlyOptimism1.21MUSDC0%4.66%4.53%
Folks-finance-lendingAlgorand1.75MUSDC0%5.05%4.52%
Fluid-lendingPolygon2.94MUSDC0%5.19%4.48%
ExactlyOptimism1.21MUSDC0%4.53%4.48%
ExactlyOptimism1.21MUSDC0%4.68%4.4%
Mars-lendNeutron1.06MUSDC0%5.09%4.36%
Euler-v2Ethereum25MUSDC0%4.72%4.36%
Yearn-financeEthereum33.53MUSDC0%5.52%4.32%
ExactlyOptimism1.21MUSDC0%4.47%4.26%
Yearn-financeEthereum1.10MUSDC0%5.31%4.19%
SparklendEthereum6.97MUSDC0%3.64%4.18%
ExactlyOptimism1.21MUSDC0%4.15%4.16%
ExactlyOptimism1.21MUSDC0%4.14%4.15%
Yearn-financeEthereum7.13MUSDC0%3.49%4.14%
Flux-financeEthereum1.60MUSDC0%4.56%4.12%
Benqi-lendingAvalanche9.10MUSDC0%4.46%4.04%
Hatom-lendingMultiversX1.31MUSDC0.93%4.89%3.96%
ExactlyOptimism1.21MUSDC0%3.85%3.9%
ExactlyOptimism1.21MUSDC0%2.99%3.81%
Kamino-lendSolana86.74MUSDC0%4.13%3.77%
LoopscaleSolana1.71MUSDC8.24%9.83%3.73%
ExactlyOptimism1.21MUSDC0%3.69%3.73%
Navi-lendingSui22.65MUSDC1.1%6.18%3.64%

Pools APY Stablecoin Statistics by Blockchain

Blockchain NamePoolsTotal TVLAverage APY
Arbitrum831.8M6.71%
Avalanche518.6M6.2%
Base14193.3M8.47%
BSC000%
Ethereum252.7B7.33%
Mantle000%
Optimism1012.1M4.22%
Polygon12.9M4.48%
Solana9105.4M7.56%
TON000%
zkSync Era000%