Find the best USDC lending rates and earn up to 29.5% APY APY. Compare 15 platforms side-by-side.
Disclaimer: This page may contain affiliate links. Bitcompare may be compensated if you visit any links. Please refer to our Advertising disclosure.
The best USDC lending rate is 10.5% APY on Nexo.. Other top platforms include Lune.fi (29.5% APY) and Nebeus (12% APY). Compare USDC lending rates across 15 platforms.
| Platform | Action | Max Rate | Base Rate | Min Deposit | Lockup | US Access |
|---|---|---|---|---|---|---|
| Nexo | Go to Platform | 10.5% APY | 6.5% APY | — | 90 days | Check terms |
| Lune.fi | Go to Platform | 29.5% APY | — | — | — | Check terms |
| Nebeus | Go to Platform | 12% APY | — | — | — | Check terms |
| YouHodler | Go to Platform | 11% APY | — | — | — | Check terms |
| EarnPark | Go to Platform | 4% APY | — | — | — | Check terms |
| OKX | Go to Platform | 9.13% APY | — | — | — | Check terms |
| Morpho | Go to Platform | 5.39% APY | — | — | — | Check terms |
| Maple | Go to Platform | 4.82% APY | — | — | — | Check terms |
| Kamino | Go to Platform | 4.57% APY | — | — | — | Check terms |
| Syrup | Go to Platform | 4.56% APY | — | — | — | Check terms |
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 |
| OKX | EU (MiCA Malta, VARA) | 2025-01 (Hacken) | No defaults | None |
Need programmatic access to this data?
Get real-time yield rates via the Bitcompare Pro API. 10,000 requests/month free.
