Aggregating real-time USDC yields from 20 pools across Ethereum, L2s, and Altchains.
| Rank | Protocol | Network | Current APY | TVL | Utilisation | Safety Score | Link |
|---|---|---|---|---|---|---|---|
| #1 | Gnosis | 3.71% | $0.1M | 65.0% |
|
DEPOSIT | |
| #2 | Optimism | 3.56% | $4.0M | 89.1% |
|
DEPOSIT | |
| #3 | Ethereum | 3.53% | $57.3M | 81.2% |
|
DEPOSIT | |
| #4 | Ethereum | 3.47% | $418.2M | 86.7% |
|
DEPOSIT | |
| #5 | Base | 3.47% | $15.2M | 86.8% |
|
DEPOSIT | |
| #6 | Ethereum | 3.39% | $5,241.7M | 82.9% |
|
DEPOSIT | |
| #7 | Polygon | 3.30% | $4.4M | 82.4% |
|
DEPOSIT | |
| #8 | BNB Chain | 3.10% | $85.4M | 61.8% |
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DEPOSIT | |
| #9 | Arbitrum | 3.07% | $0.6M | 76.8% |
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DEPOSIT | |
| #10 | Avalanche | 3.04% | $187.8M | 78.8% |
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DEPOSIT | |
| #11 | Polygon | 3.03% | $50.8M | 64.4% |
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DEPOSIT | |
| #12 | Base | 3.02% | $402.8M | 64.8% |
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DEPOSIT | |
| #13 | Optimism | 2.85% | $27.9M | 74.9% |
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DEPOSIT | |
| #14 | Polygon | 2.37% | $5.5M | 83.0% |
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DEPOSIT | |
| #15 | Arbitrum | 2.35% | $390.1M | 68.3% |
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DEPOSIT | |
| #16 | BNB Chain | 2.34% | $26.3M | 67.6% |
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DEPOSIT | |
| #17 | Arbitrum | 2.16% | $2.2M | 71.4% |
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DEPOSIT | |
| #18 | Scroll | 1.79% | $1.3M | 79.9% |
|
DEPOSIT | |
| #19 | Optimism | 1.56% | $2.6M | 59.3% |
|
DEPOSIT | |
| #20 | Gnosis | 0.84% | $0.9M | 66.3% |
|
DEPOSIT |
USDC (USD Coin) is widely regarded as the "safest" centralised stablecoin in DeFi due to its transparent reserves held in US Treasuries. Because of this high trust, USDC lending rates are often slightly lower than USDT, but they serve as the benchmark for the entire crypto interest rate market.
Why do rates vary by chain?
You might see Aave paying 5% on Ethereum but 12% on Base. This is due to local demand for leverage. If a specific chain is experiencing a meme-coin boom or high trading activity, traders borrow USDC to buy assets, driving up the utilisation rate and, consequently, the APY for lenders.
Strategy Tip: Use our Yield Finder to identify arbitrage opportunities. Moving your USDC from Ethereum to Arbitrum or Base can often double your yield with minimal bridging costs.