USDC (USDC) Lending Rates
Find the best USDC lending rates and earn up to 29.5% APY APY. Compare 14 platforms side-by-side.
Updated:
29.5% APY
Highest Rate
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The best USDC lending rate is 10.5% APY on Nexo.. Other top platforms include Nebeus (12% APY) and YouHodler (11% APY). Compare USDC lending rates across 14 platforms.
Compare USDC (USDC) Lending Rates
| 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 |
| Nebeus | Go to Platform | 12% APY | — | — | — | Check terms |
| YouHodler | Go to Platform | 11% APY | — | — | — | Check terms |
| Lune.fi | Go to Platform | 29.5% 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 |
| Fluid | Go to Platform | 5.25% APY | — | — | — | Check terms |
| Maple | Go to Platform | 4.71% APY | — | — | — | Check terms |
| Spark | Go to Platform | 3.6% APY | — | — | — | Check terms |
Platform Safety Information
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 |
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