USDC (USDC) Lending Rates
Find the best USDC lending rates and earn up to 73.99% APY. Compare 14 platforms side-by-side.
Updated:
73.99% APY
Highest Rate
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The best USDC lending rate is 73.99% APY on Euler Finance.. Other top platforms include OKX (16.43% APY) and YouHodler (12% APY). Compare USDC lending rates across 14 platforms.
Compare USDC (USDC) Lending Rates
| Platform | Action | Max Rate | Base Rate | Min Deposit | Lockup | US Access |
|---|---|---|---|---|---|---|
| Euler Finance | Go to Platform | 73.99% APY | — | — | — | Check terms |
| OKX | Go to Platform | 16.43% APY | — | — | — | Check terms |
| YouHodler | Go to Platform | 12% APY | — | — | — | Check terms |
| Nexo | Go to Platform | 10.5% APY | 6.5% APY | — | 90 days | Check terms |
| AQRU | Go to Platform | 6% APY | — | — | — | Check terms |
| Maple | Go to Platform | 5.09% APY | — | — | — | Check terms |
| Morpho | Go to Platform | 4.84% APY | — | — | — | Check terms |
| Aave V3 | Go to Platform | 4.81% APR | — | — | — | Check terms |
| Fluid | Go to Platform | 4.76% APY | — | — | — | Check terms |
| Spark | Go to Platform | 3.69% APR | — | — | — | Check terms |
Rates as listed by providers on Nov 4, 2026
Historical USDC lending rates (the United States)
Rates shown are the headline rates we track for the United States users; actual rates may vary by product, tier, or terms.
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30-DAY AVERAGE RATESArrows compare today vs 30-day average
| Provider | Current Rate | Trend | Average Rate |
|---|---|---|---|
| — | avg 73.93% | ||
| 16.43% | avg 15.45% | ||
| 15% | - | avg 15% | |
| 12% | - | avg 12% | |
| 10.5% | avg 8.5% | ||
| 6% | - | avg 6% | |
Best 30-day averageEuler Finance (73.93% APY) | |||
Platform Safety Information
We evaluate each platform's regulatory status, transparency, and track record.
| Platform | Regulatory Status | Proof of Reserves | Track Record | Insurance |
|---|---|---|---|---|
| AQRU | — | — | — | general |
| Gemini | US (NYDFS, FinCEN) | 2024-12 (Big Four (SOC 2)) | Has issues | Digital asset insurance |
| Nexo | EU (VARA Dubai, Multiple VASPs) | 2024-12 (Armanino) | Has issues | Custodial insurance |
| OKX | EU (MiCA Malta, VARA) | 2025-01 (Hacken) | No defaults | None |
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USDC Lending Guide
Frequently Asked Questions About USDC (USDC) Lending
- What is USDC and how does it maintain its price near $1?
- USDC is a fiat-backed stablecoin designed to maintain a stable value by peging to the US dollar. Each USDC is issued with collateral in reserve, typically cash and cash equivalents, held by regulated financial institutions. The issuer, Circle, uses regular attestations by independent auditors to verify the reserves match the circulating supply. In practice, this means you can expect USDC to trade very close to $1, with occasional small deviations due to market demand, liquidity, and friction in redemption or settlement processes. As of now, the price hovering around $0.9998 reflects normal market activity rather than a fundamental shift in value.
- Where can I use USDC, and what networks support it?
- USDC is widely supported across major blockchains and countless wallets and exchanges. It is compatible with networks like Ethereum (as an ERC-20 token), Solana, Algorand, Stellar, Tron, and many others. This multi-chain compatibility enables fast, low-cost transfers and broad merchant acceptance. When sending or receiving USDC, always confirm you’re using the correct network and address format for that chain, as cross-chain transfers may incur additional steps or fees. Check the recipient’s supported networks before initiating a transfer to avoid token loss.
- How can I redeem or convert USDC back to fiat currency?
- Redeeming USDC for fiat involves selling USDC on an exchange or using a custodian/bank service that supports fiat withdrawal. You’ll typically place a sell order or request a withdrawal to your linked bank account. The process varies by platform, but you can expect funds to be credited in a few minutes to a few business days, depending on the network, exchange, and bank. Be mindful of any fees for conversion, withdrawal, or liquidity, and ensure your identity verification and anti-fraud measures are up to date to avoid delays or limitations.
- What are common risks and considerations when holding USDC?
- Key considerations include reserve transparency, regulatory developments, and platform risk. USDC is designed to be backed by cash and cash equivalents, but users should review third-party attestations and Circle’s disclosures. Regulatory changes could impact issuance, redemption, or cross-border use. Additionally, since USDC exists on multiple networks, you face network- or platform-specific risks (smart contract bugs, exchange insolvency, or custody issues). Diversify storage, enable hardware wallets for long-term holdings, and stay informed about reserve audits and issuer updates.
- What is the current market status of USDC (supply, price, and cap)?
- According to recent metrics, USDC has a circulating supply of approximately 73.37 billion tokens and a market capitalization around 73.36 billion dollars. The current price is very close to $1, specifically around $0.9998, with a 24-hour price change of about -0.0014 or -0.14%. Such figures indicate healthy liquidity and broad usage in DeFi, exchanges, and payments. However, always check live data from trusted sources like Circle’s official communications or major trackers for the most up-to-date figures before making financial decisions.
