USDC Lending Rates: Compare the Best (USDC) APY

Earn interest on USDC up to 100% APY. Compare rates and features across 61 platforms.

Last updated: 12 January 2026|Advertising disclosure

USDC Lending Guide

How to lend USDC

Crypto lending guide

Latest USDC (USDC) Lending Rates

Platform	Action	Max Rate	Base Rate	Min Deposit	Lockup	AU Access
Nexo	Go to Platform	13% APY	9% APY	—	90 days	Check terms
Nebeus	Go to Platform	13% APY	10.5% APY	$1000	—	Check terms
EarnPark	Go to Platform	5% APY	—	—	—	AU Available
YouHodler	Go to Platform	20% APY	—	—	—	Check terms
Syrup	Go to Platform	5.21% APY	—	—	—	Check terms
AQRU	Go to Platform	6% APY	—	—	—	Check terms
Compound	Go to Platform	3.24% APY	—	—	—	Check terms
Aave	Go to Platform	3.18% APY	—	—	—	Check terms
Gemini	Go to Platform	0.01% APY	—	—	—	Not AU
MEXC Global	Go to Platform	100% APY	—	—	—	Check terms

Platform

Action

Max Rate

Base Rate

Min Deposit

Lockup

AU Access

Nexo

Go to Platform

13% APY

9% APY

—

90 days

Check terms

Nebeus

Go to Platform

13% APY

10.5% APY

$1000

—

Check terms

EarnPark

Go to Platform

5% APY

—

AU Available

YouHodler

Go to Platform

20% APY

—

Check terms

Syrup

Go to Platform

5.21% APY

—

Check terms

AQRU

Go to Platform

6% APY

—

Check terms

Compound

Go to Platform

3.24% APY

—

Check terms

Aave

Go to Platform

3.18% APY

—

Check terms

Gemini

Go to Platform

0.01% APY

—

Not AU

MEXC Global

Go to Platform

100% APY

—

Check terms

Platform Safety Information

We evaluate each platform on 5 factors. Higher stars = lower risk.

Platform	Regulatory Status	Proof of Reserves	Track Record	Insurance
Nexo	EU (VARA Dubai, Multiple VASPs)	2024-12 (Armanino)	Has issues	Custodial insurance
Gemini	US (NYDFS, FinCEN)	2024-12 (Big Four (SOC 2))	Has issues	Digital asset insurance

How we gather this information

Frequently Asked Questions About Lending USDC (USDC)

What are the current lending rates for USDC in Australia?

The current lending rates for USDC vary across different platforms, with multiple rates available. While the average rate isn't specified, the best lending rate can often be found on platforms like Ledn, which offers competitive terms. It's crucial to stay updated on these rates, as they can change based on market conditions. For the latest information, regularly check trusted platforms like CoinMarketCap or local exchanges that provide real-time comparisons and alerts.

What are the current lending rates for USDC (USD Coin)?

The current lending rates for USDC vary across different platforms, with a total of 19 available rates. While the average rate is not specified, the best lending rate can be found on Ledn, which offers competitive terms. It is important to stay informed about these rates, as they can fluctuate based on market conditions. For the latest updates, consider regularly checking trusted platforms like Bitcompare, which provide real-time comparisons and alerts.

How can I find the best lending rates for USDC?

To find the best lending rates for USDC, utilize cryptocurrency comparison platforms like Bitcompare. These platforms provide real-time price comparisons and detailed information on various lending options. Currently, Ledn offers the best lending rate for USDC. Remember to compare rates across different platforms, as they can vary significantly. Additionally, setting up email alerts can help you stay updated on any changes in the lending landscape for USDC.

Are there any platforms that offer competitive lending rates for USDC?

Yes, several platforms provide competitive lending rates for USDC. Currently, Ledn offers the best lending rate, making it a notable option for users looking to maximize their returns. Additionally, other platforms may have varying rates, so it is beneficial to compare them regularly. Bitcompare facilitates this process by providing real-time comparisons and market analysis, allowing you to make informed decisions about where to lend your USDC effectively.

How do USDC lending rates compare to those of other stablecoins?

USDC lending rates can vary compared to other stablecoins due to differences in demand and liquidity across platforms. Generally, USDC is known for its stability and widespread acceptance, which may lead to competitive lending rates. To accurately compare USDC rates with those of other stablecoins, use platforms like Bitcompare that highlight real-time rates and market trends. This information is crucial for making informed lending decisions and maximizing potential returns on investments.

What factors influence the lending rates for USDC?

Lending rates for USDC are influenced by several factors, including market demand, platform liquidity, and overall cryptocurrency market conditions. High demand for USDC loans may lead to increased rates, while a surplus of available liquidity can drive rates down. Additionally, the reputation and security of the lending platform can impact the rates offered. Staying informed about these factors through resources like Bitcompare can help you make better lending choices and optimize your returns on USDC.

Frequently Asked Questions About Lending USDC (USDC)