Earn ratesUSDC
USDC yield on exchanges and in DeFi
USDC is a dollar stablecoin, so what it earns comes from lending it out: to traders on an exchange, or to borrowers in an onchain lending market. The rate follows how much people want to borrow dollars.
Rates for your wallet
EVM, Solana, TON, Tron, Bitcoin, Litecoin, Bitcoin Cash, Dogecoin, Zcash. Nothing to connect or sign.
On exchanges and perp DEXs
Read November 3 at 17:46 UTC.
WhiteBit
Lending · Fixed 1080d · 100 – 300,000 USDC
WhiteBit
Lending · Fixed 720d · 100 – 300,000 USDC
WhiteBit
Lending · Fixed 360d · 50 – 10,000,000 USDC
WhiteBit
Lending · Fixed 180d · 50 – 10,000,000 USDC
WhiteBit
Lending · Fixed 90d · 50 – 10,000,000 USDC
WhiteBit
Lending · Fixed 30d · 50 – 10,000,000 USDC
Hyperliquid
Lending · Flexible
Bybit
On-chain Earn · Flexible · 10 – 8,000,000 USDC
MEXC
Earn · Flexible · 1 – 100 USDC
Bybit
On-chain Earn · Flexible · 5,000 – 100,000,000 USDC
Gate.io
Lending · Flexible · 1.5 – 6,000,000 USDC
OKXNot in EU/UK
Earn · Flexible
Backpack
Staking · Flexible
Bybit
Earn · Flexible · 2 – 200,000,000 USDC
Binance
Earn · Flexible · from 0.01 USDC
WhiteBit
Lending · Flexible · 100 – 400,000 USDC
Backpack
Lending · Flexible · up to 300,000,000 USDC
MEXC
Earn · Flexible · 100 – 20,000,000 USDC
Onchain pools
Morpho
Kabu USDC Morpho V2 Vault
Lending · Ethereum · $1.5M TVL
Ethereum$1.5M10.17%
Aave
Aave v3 USDC Lending
Lending · Linea · $1.1M TVL
Linea$1.1M9.14%
Euler
Euler Prime USDC
DeFi · Ethereum · $2.0M TVL
Ethereum$2.0M8.76%
Kamino
Elemental USDC Turbo
DeFi · Solana · $3.4M TVL
Solana$3.4M8.09%Morpho
Yearn OG USDC Morpho V1 Vault
Lending · Ethereum · $10.2M TVL
Ethereum$10.2M7.64%Kamino
Kamino Private Credit USDC
DeFi · Solana · $7.3M TVL
Solana$7.3M7.64%
Dolomite
Dolomite USD Coin Lending
DeFi · Ethereum · $137.4M TVL
Ethereum$137.4M7.41%
Yearn
Morpho Yearn OG USDC Compounder Yearn Vault V3
Vault · Ethereum · $7.5M TVL
Ethereum$7.5M7.36%Kamino
Neutral Trade USDC Max Yield
DeFi · Solana · $1.1M TVL
Solana$1.1M7.13%Kamino
Marinade USD Vault
DeFi · Solana · $1.5M TVL
Solana$1.5M7.10%Morpho
Yearn OG USDC V2 Morpho V2 Vault
Lending · Ethereum · $3.1M TVL
Ethereum$3.1M7.10%Morpho
Clearstar USDC Core Morpho V2 Vault
Lending · Ethereum · $3.2M TVL
Ethereum$3.2M7.08%Aave
Aave v3 USDC Lending
Lending · Optimism · $10.0M TVL
Optimism$10.0M7.05%Morpho
kpk USDC Yield V2 Morpho V2 Vault
Lending · Ethereum · $16.0M TVL
Ethereum$16.0M6.91%Morpho
Clearstar USDC Reactor Morpho V1 Vault
Lending · Ethereum · $1.1M TVL
Ethereum$1.1M6.81%Morpho
Keyrock USDC Morpho V2 Vault
Lending · Ethereum · $7.9M TVL
Ethereum$7.9M6.74%Kamino
Kamino USDC Lending (OnRe Market)
DeFi · Solana · $61.8M TVL
Solana$61.8M6.74%Morpho
Clearstar High Yield USDC Morpho V2 Vault
Lending · Base · $32.5M TVL
Base$32.5M6.73%Kamino
Allez USDC
DeFi · Solana · $10.5M TVL
Solana$10.5M6.73%Morpho
Hyperithm USDC Morpho V1 Vault
Lending · Ethereum · $1.3M TVL
Ethereum$1.3M6.64%Morpho
Re Ecosystem Morpho V2 Vault
Lending · Ethereum · $7.8M TVL
Ethereum$7.8M6.44%Morpho
Steakhouse High Yield Instant Morpho V2 Vault
Lending · Base · $27.9M TVL
Base$27.9M6.33%Morpho
Usual Boosted USDC Morpho V1 Vault
Lending · Ethereum · $1.9M TVL
Ethereum$1.9M6.33%Kamino
RockawayX RWA USDC
DeFi · Solana · $51.4M TVL
Solana$51.4M6.32%Kamino
Steakhouse USDC
DeFi · Solana · $16.2M TVL
Solana$16.2M6.27%Morpho
Hyperithm USDC Degen Morpho V2 Vault
Lending · Ethereum · $12.4M TVL
Ethereum$12.4M6.24%Morpho
Gauntlet USDC Frontier Morpho V2 Vault
Lending · Base · $5.0M TVL
Base$5.0M6.14%Morpho
Steakhouse High Yield Instant Morpho V2 Vault
Lending · Ethereum · $42.2M TVL
Ethereum$42.2M6.11%Kamino
Gauntlet USDC Prime
DeFi · Solana · $1.1M TVL
Solana$1.1M6.07%Morpho
Steakhouse Reservoir USDC Morpho V2 Vault
Lending · Ethereum · $11.6M TVL
Ethereum$11.6M6.05%Rates are published by the venues and protocols and change constantly; check them on the venue before depositing. Not every product is offered in every country: rows marked Not in EU/UK are not available to residents there. Pools under $1 million in deposits and rates above 200% are left out. Information only, not financial advice; see the disclaimer.
USDC rates over time
The best USDC product at each exchange that can be left at any time, read once a day. Promotional tiers count too, so a line can sit high on an offer capped at a small amount.
Bybit6.90%8.72%−1.82 ppMEXC6.00%6.00%flatGate.io3.70%2.75%+0.95 ppHyperliquid3.48%3.39%+0.10 ppBackpack2.41%2.65%−0.24 ppBinance2.19%1.98%+0.21 ppQuestions people ask
17.30% at WhiteBit (1080-day lock, up to 300,000 USDC), as read on November 3 at 17:46 UTC. The highest rates are often promotions with small limits or a lockup; the tables show both next to every rate.
The highest rate that can be left at any time is 10.17% at Morpho on Ethereum. Flexible exchange products and onchain pools let you withdraw whenever you like, though some staking has an unbonding wait.
The best USDC product you can leave at any time, 30 days ago and now: Bybit 8.72% → 6.90%; MEXC 6.00% → 6.00%; Gate.io 2.75% → 3.70%; Hyperliquid 3.39% → 3.48%; Backpack 2.65% → 2.41%; Binance 1.98% → 2.19%. Exchanges change these rates often, and a promotion can lift one for a few days; the chart on this page shows each day.
No rate comes without risk. On an exchange, the USDC is the exchange’s to hold while it earns; onchain, it sits in smart contracts that can fail or be exploited. Promotional rates can end early. A higher rate usually means more risk.
Every hour. Exchange and perp DEX products are read from the venues, onchain pools from the chains’ lending, staking and vault markets. Pools with under $1 million in deposits and rates above 200% are left out.
Yes. Paste an address on this page and TrueHold matches every rate here to the tokens it holds, with what a year at today’s rate comes to. Nothing is connected or signed.
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