USDC Yield Comparison

Compare the best USDC interest rates across DeFi and CeFi. All figures updated in real time from DefiLlama.

Best APY

15.00%

Avg APY

12.64%

Platforms

19

#	Platform	Type	APY	Risk	Lockup	TVL
1	AV avantisBest Base	Savings	15.00% 30d: 7.81%	High	Flexible	$10.5M	Go
2	AC accountable Monad	Savings	15.00% 30d: 17.61%	High	Flexible	$7.5M	Go
3	GA gains-network Arbitrum	Savings	15.00% 30d: 12.41%	High	Flexible	$4.6M	Go
4	NE neutral-trade Solana	Savings	15.00% 30d: 11.62%	High	Flexible	$2.1M	Go
5	HA harvest-finance Base	Savings	15.00% 30d: 28.11%	High	Flexible	$2.0M	Go
6	AC accountable Ethereum	Savings	15.00% 30d: 30.25%	High	Flexible	$1.8M	Go
7	EN ensuro Ethereum	Savings	15.00% 30d: 21.41%	High	Flexible	$1.2M	Go
8	NE neutral-trade Solana	Savings	15.00% 30d: 30.89%	High	Flexible	$868K	Go
9	AE aerodrome-slipstream Base	Savings	15.00% 30d: 19.09%	High	Flexible	$836K	Go
10	NE neutral-trade Solana	Savings	15.00% 30d: 29.98%	High	Flexible	$652K	Go
11	IS isle-finance Hedera	Savings	15.00% 30d: 20.59%	High	Flexible	$518K	Go
12	CS csigma-finance Ethereum	Savings	15.00% 30d: 15.25%	High	Flexible	$434K	Go
13	FO folks-finance-lending Algorand	Savings	15.00% 30d: 8.21%	High	Flexible	$386K	Go
14	EN ensuro Ethereum	Savings	15.00% 30d: 36.47%	High	Flexible	$268K	Go
15	NE neutral-trade Solana	Savings	15.00% 30d: 2.62%	High	Flexible	$241K	Go
16	BI Binance CeFi Exchange	Savings	4.20% 30d: 4.20%	Low	Flexible	CeFi	Go
17	NE Nexo CeFi Exchange	Savings	4.00% 30d: 4.00%	Medium	Flexible	CeFi	Go
18	CR Crypto.com CeFi Exchange	Savings	3.60% 30d: 3.60%	Medium	Flexible	CeFi	Go
19	KR Kraken CeFi Exchange	Staking	3.35% 30d: 3.35%	Low	Flexible	CeFi	Go

DeFi rates live from DefiLlamaCeFi rates updated weekly

About USDC Yield

USDC yield comes from lending your stablecoins to borrowers through DeFi protocols like Aave, Morpho, and Compound, or through CeFi platforms like Binance. Because USDC maintains a $1 value, you earn yield without price volatility risk — making it the most popular yield strategy for risk-conscious investors.

Current best rates range from 4-6% APY depending on platform and market conditions. DeFi protocols typically offer slightly higher rates than CeFi because there is no company taking a margin.

Deep dive: USDC Yield →All stablecoin yields →Calculate your returns →Best stablecoin yield guide →