Find the best USDC lending rates and earn up to 100% APY APY. Compare 19 platforms side-by-side.
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The best USDC lending rate is 5% APY on EarnPark.. Other top platforms include Nexo (12% APY) and Nebeus (13% APY). Compare USDC lending rates across 19 platforms.
| Platform | Action | Max Rate | Base Rate | Min Deposit | Lockup | US Access |
|---|---|---|---|---|---|---|
| EarnPark | Go to Platform | 5% APY | — | — | — | Not US |
| Nexo | Go to Platform | 12% APY | — | — | 90 days | Check terms |
| Nebeus | Go to Platform | 13% APY | 10.5% APY | $1000 | — | Not US |
| YouHodler | Go to Platform | 20% APY | — | — | — | Not US |
| Syrup | Go to Platform | 4.79% APY | — | — | — | Check terms |
| Neverless | Go to Platform | 14% 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 | — | — | — | US Available |
We evaluate each platform's regulatory status, transparency, and track record.
| Platform | Regulatory Status | Proof of Reserves | Track Record | Insurance |
|---|---|---|---|---|
| Nexo | EU (VARA Dubai, Multiple VASPs) | 2024-12 (Armanino) | Has issues | Custodial insurance |
| AQRU | — | — | — | general |
| Aave | United States (SEC) | Audited | — | — |
| Gemini | US (NYDFS, FinCEN) | 2024-12 (Big Four (SOC 2)) | Has issues | Digital asset insurance |
