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USDC (USDC) Interest Rates

Compare USDC interest rates for lending, staking, and borrowing

$1.00
↑ 0.00%
Updated: February 28, 2026
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Compare USDC (USDC) Interest Rates

USDC (USDC) Lending Rates

PlatformActionMax RateBase RateMin DepositLockupUS Access
EarnParkGo to Platform5% APY———Not US
NexoGo to Platform12% APY——90 daysCheck terms
NebeusGo to Platform13% APY———Not US
YouHodlerGo to Platform20% APY———Not US
SyrupGo to Platform4.73% APY———Check terms
AQRUGo to Platform6% APY———Check terms
CompoundGo to Platform3.24% APY———Check terms
AaveGo to Platform3.18% APY———Check terms
GeminiGo to Platform0.01% APY———US Available
See all 61 lending rates

USDC (USDC) Staking Rewards

PlatformActionMax RateBase RateMin DepositLockupUS Access
EarnParkGo to Platform5% APY———Not US
YouHodlerGo to Platform20% APY———Not US
SyrupGo to Platform4.73% APY———Check terms
AQRUGo to Platform6% APY———Check terms
CompoundGo to Platform3.24% APY———Check terms
AaveGo to Platform3.18% APY———Check terms
GeminiGo to Platform0.01% APY———US Available
See all 4 staking rewards

USDC (USDC) Borrowing Rates

PlatformActionBest RateLTVMin CollateralUS Access
NexoGet Loan2.9% APR——Check terms
YouHodlerGet Loan3% APR——Not US
NebeusGet Loan10% APR——Not US
See all 28 borrowing rates

USDC Lending Rates Market Summary

Average Rate
7.46%APY
Highest Rate
20%APY
YouHodler
Platforms Tracked
9
Best Risk-Adjusted
20%APY
YouHodler

USDC Guides

How to buy USDC
How to earn USDC

Stablecoin Interest Rates

Compare lending, staking, and borrowing rates for USDT, USDC, DAI, and 40+ stablecoins across top platforms.

Up to 12% APY
40+ stablecoins
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Frequently Asked Questions About USDC (USDC) Interest Rates

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.

USDC USDC News

Tether Freezes $4.2B in USDT Linked to Crime in 3 Years: Report
February 28, 2026Tether Freezes $4.2B in USDT Linked to Crime in 3 Years: Report

Tether has frozen about $4.2 billion in USDt over the past three years, assisting global authorities in cases tied to fraud, laundering and illegal betting operations.

Bitcoin Treasury Pressure Mounts as Stablecoins Gain Strength
February 27, 2026Bitcoin Treasury Pressure Mounts as Stablecoins Gain Strength

Public companies holding Bitcoin face activist scrutiny, while Circle’s earnings boost stablecoin momentum and PayPal draws takeover interest.

Crypto.com Secures Conditional Approval for National Trust Bank Charter - Decrypt
February 23, 2026Crypto.com Secures Conditional Approval for National Trust Bank Charter - Decrypt

Another prominent crypto firm has secured a bank charter from the OCC, with Crypto.com joining Circle, Ripple, and others.

Best USDC (USDC) lending options compared: Highest Rate: YouHodler offers 20.00% APY. Maximum yield currently available. Best Overall: Nexo offers 12.00% APY. Regulated CeFi with insurance. Best DeFi Option: Syrup offers 4.73% APY. Non-custodial, no counterparty risk.

Best USDC Lending Options

Highest Rate:YouHodler(20.00% APY)

Maximum yield currently available

Best Overall:Nexo(12.00% APY)

Regulated CeFi with insurance

Best DeFi Option:Syrup(4.73% APY)

Non-custodial, no counterparty risk

Recommendations based on current rates, platform type, and trust factors. Always do your own research before investing.

The highest USDC lending rate is 20.00% APY on YouHodler. USDC staking rewards reach 12.00% APY on Nexo. Borrow against USDC from 1.90% APR on Nexo. Rates tracked across 13 platforms.

Best USDC Interest Rates

Updated every 15 min
Lending
20.00% APY
on YouHodler →
Staking
12.00% APY
on Nexo →
Borrowing
1.90% APR
on Nexo →

Comparing USDC rates across 13 platforms to find you the best yields.

The best USDC interest rate is currently 20.0% APY on YouHodler. Across 8 platforms, the average USDC lending rate is 6.8% APY. Below you can compare all USDC lending, staking, and borrowing rates side by side.

Stablecoins

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