Answers · Yield
Where can I earn the most interest on USDC right now?
Short answer
100 USDC markets and vaults (the top 100 by rate) in our data state a yield. The highest right now is Neutral Trade — USDC vault (Options Market Making) on Solana at 20.66% (variable, DefiLlama 2026-11-11). The range runs from 4.94% (Fluid Lending — USDC lending on Arbitrum) to 20.66%. Yields are variable and not guaranteed.
USDC earns interest in DeFi when you lend it to borrowers through a market such as Aave or deposit it in a vault that does the lending for you. The rate floats with borrowing demand and differs by chain and market. These are the markets and vaults with at least $2M deposited, refreshed daily from DefiLlama.
How this list is made: computed from the live TokenBank dataset each time the page is built — 100 matching rows, each linked to its own page and source.
Figures from our live dataset · data as of 2026-11-11 · this answer as JSON · not investment advice
| Token | Issuer | Yield / return | Minimum | KYC to buy | Chain |
|---|---|---|---|---|---|
| DL-NEUTRALTRADE-USDC-SOLANA-1235 Neutral Trade — USDC vault (Options Market Making) on Solana | Neutral Trade (protocol) | 20.66% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Solana |
| DL-YEARNFINANCE-USDC-BASE Yearn Finance — USDC vault on Base | Yearn Finance (protocol) | 16.14% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Base |
| DL-ACCOUNTABLE-USDC-MONAD-5935 Accountable — USDC lending (Earn ACC Points) on Monad | Accountable (protocol) | 14.82% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Monad |
| DL-EULERV2-USDC-MONAD Euler V2 — USDC lending (Clearstar Earn USDC) on Monad | Euler V2 (protocol) | 14.67% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Monad |
| DL-UPSHIFT-XUPUSDC-ETHEREUM Upshift — XUPUSDC vault on Ethereum | Upshift (protocol) | 13.15% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-ACCOUNTABLE-USDC-ETHEREUM-0E00 Accountable — USDC lending on Ethereum | Accountable (protocol) | 12.13% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-ACCOUNTABLE-USDC-MONAD-D0B9 Accountable — USDC lending on Monad | Accountable (protocol) | 12.01% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Monad |
| DL-ACCOUNTABLE-USDC-ETHEREUM-3889 Accountable — USDC lending on Ethereum | Accountable (protocol) | 11.32% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-ACCOUNTABLE-USDC-MONAD-1A9C Accountable — USDC lending (Earn ACC Points) on Monad | Accountable (protocol) | 10.7% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Monad |
| DL-DOLOMITE-USDC-ETHEREUM Dolomite — USDC lending on Ethereum | Dolomite (protocol) | 10.63% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-PARETOCREDIT-USDC-ETHEREUM-131F Pareto Credit — USDC lending (Bastion) on Ethereum | Pareto Credit (protocol) | 10.59% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-RHEALEND-USDC-NEAR Rhea Lend — USDC lending on Near | Rhea Lend (protocol) | 10.43% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Near |
| DL-MORPHOBLUE-SKYMONEYUSDCRISKCAPITAL-ETHEREUM Morpho Blue — SKYMONEYUSDCRISKCAPITAL lending on Ethereum | Morpho Blue (protocol) | 10.11% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-AGUA-USDC-ETHEREUM Agua — USDC vault (Global Carry Vault) on Ethereum | Agua (protocol) | 10% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-AGUA-USDC-MONAD Agua — USDC vault (Global Carry Vault) on Monad | Agua (protocol) | 10% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Monad |
| DL-GAMILABS-EARNUSDC-STELLAR Gami Labs — EARNUSDC vault (Gami earnUSDC) on Stellar | Gami Labs (protocol) | 10% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Stellar |
| DL-GAMILABS-GAMIUSDC-ETHEREUM Gami Labs — GAMIUSDC vault (Gami USDC) on Ethereum | Gami Labs (protocol) | 9.67% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-PARETOCREDIT-USDC-ETHEREUM-33C3 Pareto Credit — USDC lending (Adaptive Frontier) on Ethereum | Pareto Credit (protocol) | 9.38% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-MORPHOBLUE-NOONECOUSDC-BASE Morpho Blue — NOONECOUSDC lending on Base | Morpho Blue (protocol) | 9.34% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Base |
| DL-AUTOFINANCE-USDC-BASE AUTOfinance — USDC vault (baseUSD) on Base | AUTOfinance (protocol) | 9.13% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Base |
| DL-LAGOON-GAMIUSDC-ETHEREUM Lagoon — GAMIUSDC vault on Ethereum | Lagoon (protocol) | 9.11% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-UPSHIFT-UPUSDC-ETHEREUM Upshift — UPUSDC vault on Ethereum | Upshift (protocol) | 9.09% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-LAGOON-9SUSDC-ETHEREUM Lagoon — 9SUSDC vault on Ethereum | Lagoon (protocol) | 9% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-SUPERFORM-SUPERUSDC-ETHEREUM Superform — SUPERUSDC vault (SuperVault) on Ethereum | Superform (protocol) | 8.82% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-VECTISFINANCE-USDC-SOLANA Vectis Finance — USDC vault (UltraX Arb V2) on Solana | Vectis Finance (protocol) | 8.49% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Solana |
| DL-MORPHOBLUE-HYPERUSDCA-MONAD Morpho Blue — HYPERUSDCA lending on Monad | Morpho Blue (protocol) | 8.32% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Monad |
| DL-MORPHOBLUE-M1USDC-ETHEREUM Morpho Blue — M1USDC lending on Ethereum | Morpho Blue (protocol) | 8.31% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-KAMINOLEND-USDC-SOLANA-0BA9 Kamino Lend — USDC lending (Plume x Re7 USDC) on Solana | Kamino Lend (protocol) | 8.27% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Solana |
| DL-MORPHOBLUE-RESERVOIRUSDC-ETHEREUM Morpho Blue — RESERVOIRUSDC lending on Ethereum | Morpho Blue (protocol) | 8.12% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-PARETOCREDIT-USDC-ETHEREUM-2EB2 Pareto Credit — USDC lending (FalconX) on Ethereum | Pareto Credit (protocol) | 8.07% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-MORPHOBLUE-ROXCUSDC-ETHEREUM Morpho Blue — ROXCUSDC lending on Ethereum | Morpho Blue (protocol) | 8.05% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-MORPHOBLUE-AUGUSTUSDCV2-MONAD Morpho Blue — AUGUSTUSDCV2 lending on Monad | Morpho Blue (protocol) | 8.03% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Monad |
| DL-MORPHOBLUE-FEUSDCV2-HYPERLIQUIDL1 Morpho Blue — FEUSDCV2 lending on Hyperliquid L1 | Morpho Blue (protocol) | 7.92% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Hyperliquid L1 |
| DL-MORPHOBLUE-ROXUSDCY-ETHEREUM Morpho Blue — ROXUSDCY lending on Ethereum | Morpho Blue (protocol) | 7.87% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-LAGOON-TULIPAUSDC-ETHEREUM Lagoon — TULIPAUSDC vault on Ethereum | Lagoon (protocol) | 7.8% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-KAMINOLEND-USDC-SOLANA-6D68 Kamino Lend — USDC lending (Kamino Institutional Commodity Yield) on Solana | Kamino Lend (protocol) | 7.78% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Solana |
| DL-MORPHOBLUE-PENDLEUSDCHY-ETHEREUM Morpho Blue — PENDLEUSDCHY lending on Ethereum | Morpho Blue (protocol) | 7.78% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-MORPHOBLUE-SATUSDC-MONAD Morpho Blue — SATUSDC lending on Monad | Morpho Blue (protocol) | 7.67% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Monad |
| DL-KAMINOLEND-USDC-SOLANA-513E Kamino Lend — USDC lending (Kamino Institutional USDC) on Solana | Kamino Lend (protocol) | 7.6% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Solana |
| DL-LISTALENDING-USDC-BSC Lista Lending — USDC lending on BSC | Lista Lending (protocol) | 7.59% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | BSC |
| DL-NEUTRALTRADE-USDC-SOLANA-D6B2 Neutral Trade — USDC vault (Neutral Autopilot) on Solana | Neutral Trade (protocol) | 7.54% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Solana |
| DL-SENTORACURATOR-USDC-ETHEREUM Sentora Curator — USDC vault (Sentora USD) on Ethereum | Sentora Curator (protocol) | 7.54% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-ACCOUNTABLE-USDC-MONAD-313B Accountable — USDC lending (Earn ACC Points) on Monad | Accountable (protocol) | 7.49% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Monad |
| DL-BENQILENDING-USDC-AVALANCHE Benqi Lending — USDC lending on Avalanche | Benqi Lending (protocol) | 7.4% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Avalanche |
| DL-MORPHOBLUE-KABUUSDC-ETHEREUM Morpho Blue — KABUUSDC lending on Ethereum | Morpho Blue (protocol) | 7.4% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-FLUIDLITE-USDC-ETHEREUM Fluid Lite — USDC vault on Ethereum | Fluid Lite (protocol) | 7.38% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-MORPHOBLUE-APYXUSDC-ETHEREUM Morpho Blue — APYXUSDC lending on Ethereum | Morpho Blue (protocol) | 7.36% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-CURRENT-USDC-SUI Current — USDC lending (MainMarket) on Sui | Current (protocol) | 7.06% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Sui |
| DL-MORPHOBLUE-CSUSDCCORE-ETHEREUM Morpho Blue — CSUSDCCORE lending on Ethereum | Morpho Blue (protocol) | 6.97% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-LOOPSCALELENDING-USDC-SOLANA-D449 Loopscale Lending — USDC lending on Solana | Loopscale Lending (protocol) | 6.74% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Solana |
| DL-YEARNFINANCE-VBUSDC-KATANA Yearn Finance — VBUSDC vault on Katana | Yearn Finance (protocol) | 6.72% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Katana |
| DL-ACCOUNTABLE-USDC-ETHEREUM-3F3D Accountable — USDC lending (Earn ACC Points) on Ethereum | Accountable (protocol) | 6.7% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-MORPHOBLUE-REECOUSDC-ETHEREUM Morpho Blue — REECOUSDC lending on Ethereum | Morpho Blue (protocol) | 6.69% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-LISTALENDING-USDC-ETHEREUM Lista Lending — USDC lending on Ethereum | Lista Lending (protocol) | 6.67% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-KAMINOLEND-USDC-SOLANA-3041 Kamino Lend — USDC lending (Elemental USDC Optimizer) on Solana | Kamino Lend (protocol) | 6.64% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Solana |
| DL-PARETOCREDIT-USDC-ETHEREUM-0155 Pareto Credit — USDC lending (RockawayX) on Ethereum | Pareto Credit (protocol) | 6.62% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-KAMINOLEND-USDC-SOLANA-CA53 Kamino Lend — USDC lending (OnRe Market) on Solana | Kamino Lend (protocol) | 6.51% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Solana |
| DL-MORPHOBLUE-HYPERUSDCA-ETHEREUM Morpho Blue — HYPERUSDCA lending on Ethereum | Morpho Blue (protocol) | 6.47% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-MORPHOBLUE-CSCBUSDC-BASE Morpho Blue — CSCBUSDC lending on Base | Morpho Blue (protocol) | 6.35% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Base |
| DL-ACCOUNTABLE-USDC-MONAD-B31B Accountable — USDC lending (Earn ACC Points) on Monad | Accountable (protocol) | 6.33% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Monad |
| DL-HARMONIXFINANCE-USDC-HYPERLIQUIDL1 Harmonix Finance — USDC vault on Hyperliquid L1 | Harmonix Finance (protocol) | 6.31% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Hyperliquid L1 |
| DL-MORPHOBLUE-GTUSDCRWA-ETHEREUM-91D3 Morpho Blue — GTUSDCRWA lending on Ethereum | Morpho Blue (protocol) | 6.31% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-MORPHOBLUE-KUSDC-ETHEREUM Morpho Blue — KUSDC lending on Ethereum | Morpho Blue (protocol) | 6.25% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-MORPHOBLUE-PENDLEUSDC-ETHEREUM Morpho Blue — PENDLEUSDC lending on Ethereum | Morpho Blue (protocol) | 6.18% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-CURVANCE-USDC-MONAD Curvance — USDC lending (wsrUSD/USDC) on Monad | Curvance (protocol) | 6.12% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Monad |
| DL-MORPHOBLUE-STEAKCUSDC-ETHEREUM Morpho Blue — STEAKCUSDC lending on Ethereum | Morpho Blue (protocol) | 6.02% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-MORPHOBLUE-BBQUSDC-ETHEREUM-F8D7 Morpho Blue — BBQUSDC lending on Ethereum | Morpho Blue (protocol) | 5.99% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-NAVILENDING-USDC-SUI NAVI Lending — USDC lending on Sui | NAVI Lending (protocol) | 5.99% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Sui |
| DL-LAGOON-SIGMAUSDC-ETHEREUM Lagoon — SIGMAUSDC vault on Ethereum | Lagoon (protocol) | 5.98% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-LOOPSCALELENDING-USDC-SOLANA-432C Loopscale Lending — USDC lending on Solana | Loopscale Lending (protocol) | 5.94% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Solana |
| DL-KAMINOLEND-USDC-SOLANA-8C4B Kamino Lend — USDC lending (RockawayX RWA USDC) on Solana | Kamino Lend (protocol) | 5.89% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Solana |
| DL-MORPHOBLUE-ARMUSDCS-ETHEREUM Morpho Blue — ARMUSDCS lending on Ethereum | Morpho Blue (protocol) | 5.83% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-AAVEV3-USDC-ETHEREUM-6F00 Aave V3 — USDC lending (Umbrella) on Ethereum | Aave V3 (protocol) | 5.81% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-MORPHOBLUE-HUMAUSDC-ETHEREUM Morpho Blue — HUMAUSDC lending on Ethereum | Morpho Blue (protocol) | 5.81% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-MORPHOBLUE-ETHENAUSDC-BASE Morpho Blue — ETHENAUSDC lending on Base | Morpho Blue (protocol) | 5.78% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Base |
| DL-AAVEV3-USDC-MONAD Aave V3 — USDC lending on Monad | Aave V3 (protocol) | 5.74% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Monad |
| DL-GAMILABS-USDC-BASE Gami Labs — USDC vault (Gami Spectra USDC) on Base | Gami Labs (protocol) | 5.74% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Base |
| DL-KAMINOLEND-USDC-SOLANA-8A6C Kamino Lend — USDC lending (Huma Market) on Solana | Kamino Lend (protocol) | 5.74% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Solana |
| DL-SPECTRAMETAVAULTS-USDC-BASE Spectra MetaVaults — USDC vault (Gami Spectra USDC) on Base | Spectra MetaVaults (protocol) | 5.74% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Base |
| DL-MORPHOBLUE-BBQUSDC-ETHEREUM-3697 Morpho Blue — BBQUSDC lending on Ethereum | Morpho Blue (protocol) | 5.67% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-AAVEV3-USDC-AVALANCHE Aave V3 — USDC lending on Avalanche | Aave V3 (protocol) | 5.66% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Avalanche |
| DL-MORPHOBLUE-GTUSDCF-BASE Morpho Blue — GTUSDCF lending on Base | Morpho Blue (protocol) | 5.64% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Base |
| DL-MORPHOBLUE-GTUSDCF-ETHEREUM Morpho Blue — GTUSDCF lending on Ethereum | Morpho Blue (protocol) | 5.61% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-KAMINOLEND-USDC-SOLANA-89DF Kamino Lend — USDC lending (Allez USDC) on Solana | Kamino Lend (protocol) | 5.6% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Solana |
| DL-AAVEV4-USDC-ETHEREUM Aave V4 — USDC lending (Core) on Ethereum | Aave V4 (protocol) | 5.56% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-MORPHOBLUE-SIRLOINUSDC-BASE Morpho Blue — SIRLOINUSDC lending on Base | Morpho Blue (protocol) | 5.51% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Base |
| DL-MORPHOBLUE-BBQUSDC-BASE Morpho Blue — BBQUSDC lending on Base | Morpho Blue (protocol) | 5.41% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Base |
| DL-BLENDPOOLSV2-USDC-STELLAR Blend Pools V2 — USDC lending (Fixed Pool) on Stellar | Blend Pools V2 (protocol) | 5.35% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Stellar |
| DL-VENUSCOREPOOL-USDC-BSC Venus Core Pool — USDC lending on BSC | Venus Core Pool (protocol) | 5.28% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | BSC |
| DL-BEEFY-USDC-ETHEREUM Beefy — USDC vault (Morpho) on Ethereum | Beefy (protocol) | 5.2% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-MORPHOBLUE-GTUSDCRWA-ETHEREUM-086D Morpho Blue — GTUSDCRWA lending on Ethereum | Morpho Blue (protocol) | 5.19% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-MORPHOBLUE-GTUSDCCORE-ETHEREUM Morpho Blue — GTUSDCCORE lending on Ethereum | Morpho Blue (protocol) | 5.18% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-AAVEV3-USDC-BASE Aave V3 — USDC lending on Base | Aave V3 (protocol) | 5.17% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Base |
| DL-FLUIDLENDING-USDC-BASE Fluid Lending — USDC lending on Base | Fluid Lending (protocol) | 5.14% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Base |
| DL-SAVE-USDC-SOLANA Save — USDC lending (Main Pool) on Solana | Save (protocol) | 5.13% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Solana |
| DL-MAPLE-USDC-ETHEREUM Maple — USDC lending (Syrup USDC) on Ethereum | Maple (protocol) | 5.12% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Ethereum |
| DL-MORPHOBLUE-K3USDC-BASE Morpho Blue — K3USDC lending on Base | Morpho Blue (protocol) | 5.09% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Base |
| DL-MORPHOBLUE-BITUSDCP-BASE Morpho Blue — BITUSDCP lending on Base | Morpho Blue (protocol) | 5.05% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Base |
| DL-KAMINOLEND-USDC-SOLANA-9EC9 Kamino Lend — USDC lending (Steakhouse USDC High Yield) on Solana | Kamino Lend (protocol) | 5.04% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Solana |
| DL-FLUIDLENDING-USDC-ARBITRUM Fluid Lending — USDC lending on Arbitrum | Fluid Lending (protocol) | 4.94% (variable, DefiLlama 2026-11-11) checked 11 Nov 2026 | None | Not stated | Arbitrum |
How to choose
Compare the base rate, not just the headline: part of some rates is paid in reward tokens that can lose value. Check the deposits (bigger markets exit more easily), the chain you already use, and how long the market has run.
More questions
Why do USDC rates differ so much between markets?
Each market sets its rate from its own supply and demand. A vault that lends to riskier collateral, or that adds reward tokens on top, pays more; a large market on Ethereum with deep supply usually pays less. A higher rate is compensation for something — read what the vault lends against before chasing it.
Is lending USDC in DeFi safe?
It carries smart-contract risk, the risk of bad debt if collateral falls faster than it can be liquidated, and the risk of USDC itself. There is no deposit insurance. Spreading across markets and preferring large, long-running ones reduces but does not remove those risks.
Which of them can I buy without KYC?
None of them is stated as buyable without KYC.
Where does the yield of the top five come from?
DL-NEUTRALTRADE-USDC-SOLANA-1235: Vault strategy (mostly lending). DL-YEARNFINANCE-USDC-BASE: Vault strategy (mostly lending). DL-ACCOUNTABLE-USDC-MONAD-5935: Interest paid by borrowers. DL-EULERV2-USDC-MONAD: Interest paid by borrowers. DL-UPSHIFT-XUPUSDC-ETHEREUM: Vault strategy (mostly lending).
Which is the largest?
By size, DL-MAPLE-USDC-ETHEREUM at $2.4B, followed by DL-MORPHOBLUE-SIRLOINUSDC-BASE at $460M and DL-PARETOCREDIT-USDC-ETHEREUM-2EB2 at $144M. Size is not safety, but a larger product usually means a deeper market to sell into.
Are these yields fixed?
100 of 100 are variable: the rate moves with markets and is not guaranteed. The figures on this page were last checked on 2026-11-11.
Sources
Related
All stablecoin lending rates →syrupUSDC vs Aave USDC →Yield-bearing stablecoins →Which tokenized assets can an AI agent buy on its own, without KYC — and which pays the most? →What is the best stablecoin yield on Ethereum right now? →What is the best stablecoin yield on Solana right now? →What is the best stablecoin yield on Base right now? →All questions →