USDC DeFi Yields
The highest honest USDC yield right now is 73.99% on uniswap-v3 (Base), among 1,593 pools above the $100K TVL floor. Rates are live from DefiLlama and exclude anomalous (>1000% APY) pools.
1,593 live pools above the $100K TVL floor · ranked by TVL
USDC's largest live pool is maple on Ethereum at 5.07% ($2.68B TVL). 1,593 USDC pools across 4 chains clear this page's $100K TVL floor, $8.43B in total.
Your idle USDC could earn ~5.07% — park $4.7K and it could run a $20/mo Claude Pro subscription, forever.
See live USDC pools →| Protocol | Chain | APY | TVL |
|---|---|---|---|
| maple → | Ethereum | 5.07% | $2.68B |
| jupiter-lend → | Solana | 5.08% | $450.91M |
| spark-savings → | Ethereum | 3.52% | $308.85M |
| centrifuge-protocol → | Avalanche | 4.91% | $261.82M |
| aave-v3 → | Ethereum | 3.38% | $166.14M |
| fluid-lending → | Ethereum | 6.23% | $146.24M |
| pareto-credit → | Ethereum | 7.82% | $138.51M |
| uniswap-v3 → | Base | 73.99% | $115.46M |
Rate stability from APY history
Based on APY history only, USDC's lower-variability candidates are pareto-credit (Ethereum), 7.82% APY, $138.51M TVL, https://www.defi.garden/?pool=2eb2bdf8-c3e3-5b30-8d49-8d5232294184&src=seo_token; spark-savings (Ethereum), 3.52% APY, $308.85M TVL, https://www.defi.garden/?pool=c5c74dd1-995c-4445-9d84-3e710bad7d52&src=seo_token; jupiter-lend (Solana), 5.08% APY, $450.91M TVL, https://www.defi.garden/?pool=d783c8df-e2ed-44b4-8317-161ccc1b5f06&src=seo_token; centrifuge-protocol (Avalanche), 4.91% APY, $261.82M TVL, https://www.defi.garden/?pool=80359eae-ff65-4fa6-842d-c971dc2928de&src=seo_token; maple (Ethereum), 5.07% APY, $2.68B TVL, https://www.defi.garden/?pool=43641cf5-a92e-416b-bce9-27113d3c0db6&src=seo_token; aave-v3 (Ethereum), 3.38% APY, $166.14M TVL, https://www.defi.garden/?pool=aa70268e-4b52-42bf-a116-608b370f9501&src=seo_token; fluid-lending (Ethereum), 6.23% APY, $146.24M TVL, https://www.defi.garden/?pool=4438dabc-7f0c-430b-8136-2722711ae663&src=seo_token; uniswap-v3 (Base), 73.99% APY, $115.46M TVL, https://www.defi.garden/?pool=b99bcdf5-1350-4269-981e-0e9b5cccb007&src=seo_token. This comparison does not measure protocol, exploit, depeg, liquidity, governance, or principal-loss risk.
| Rank | Protocol | Chain | APY | TVL |
|---|---|---|---|---|
| 1 | pareto-credit → | Ethereum | 7.82% | $138.51M |
| 2 | spark-savings → | Ethereum | 3.52% | $308.85M |
| 3 | jupiter-lend → | Solana | 5.08% | $450.91M |
| 4 | centrifuge-protocol → | Avalanche | 4.91% | $261.82M |
| 5 | maple → | Ethereum | 5.07% | $2.68B |
| 6 | aave-v3 → | Ethereum | 3.38% | $166.14M |
| 7 | fluid-lending → | Ethereum | 6.23% | $146.24M |
| 8 | uniswap-v3 → | Base | 73.99% | $115.46M |
How this rate has behaved
USDC shows up in 8 pools here, with rates from 3.38% to 73.99% APY across 4 chains — the rate depends on which protocol and chain you pick, not just the token.
8 of these 8 pools have a trustworthy 30-day average on file, with a median of 5.09% — a useful check against today's number for whether the rate is steady or just having a good day.
1 of 8 pools blends in incentive or reward APY on top of the base rate. Incentive yield decays over time as reward programs run down — the base rate is the more durable number.
1 of 8 pools carries impermanent-loss risk, meaning a two-sided position can lose value against just holding, even while it earns yield.
| Protocol | APY | 30d Mean APY | Yield mix |
|---|---|---|---|
| maple | 5.07% | 4.88% | Base rate |
| jupiter-lend | 5.08% | 5.16% | 13.24% incentives |
| spark-savings | 3.52% | 3.52% | Base rate |
| centrifuge-protocol | 4.91% | 5.25% | Base rate |
| aave-v3 | 3.38% | 3.81% | Base rate |
| fluid-lending | 6.23% | 5.02% | Base rate |
| pareto-credit | 7.82% | 8.02% | Base rate |
| uniswap-v3 | 73.99% | 58.79% | Base rate |
The 30-day average comes straight from DefiLlama and only appears when it passes the same sanity rail as every other number on this page — a dash means it didn't clear that bar, not that it's being hidden. Every pool here already clears a $100K minimum TVL. Rates move daily, so treat this as a snapshot, not a promise.
Frequently asked questions
What's the highest USDC yield today?
73.99% APY on uniswap-v3 (Base), based on live DefiLlama data.
How many USDC pools clear the TVL floor?
1,593 live pools clear this page's $100K TVL floor, $8.43B in total.
Are these rates safe?
Pools listed on this page clear a $100K minimum TVL and exclude anomalous (>1000% APY) rates — that is this page's listing bar, not a safety guarantee. This is education, not financial advice; DeFi carries smart-contract and market risk regardless of the rate shown.
Which USDC pools have the most stable APY history?
Based on APY history only, USDC's lower-variability candidates are pareto-credit (Ethereum), 7.82% APY, $138.51M TVL, https://www.defi.garden/?pool=2eb2bdf8-c3e3-5b30-8d49-8d5232294184&src=seo_token; spark-savings (Ethereum), 3.52% APY, $308.85M TVL, https://www.defi.garden/?pool=c5c74dd1-995c-4445-9d84-3e710bad7d52&src=seo_token; jupiter-lend (Solana), 5.08% APY, $450.91M TVL, https://www.defi.garden/?pool=d783c8df-e2ed-44b4-8317-161ccc1b5f06&src=seo_token; centrifuge-protocol (Avalanche), 4.91% APY, $261.82M TVL, https://www.defi.garden/?pool=80359eae-ff65-4fa6-842d-c971dc2928de&src=seo_token; maple (Ethereum), 5.07% APY, $2.68B TVL, https://www.defi.garden/?pool=43641cf5-a92e-416b-bce9-27113d3c0db6&src=seo_token; aave-v3 (Ethereum), 3.38% APY, $166.14M TVL, https://www.defi.garden/?pool=aa70268e-4b52-42bf-a116-608b370f9501&src=seo_token; fluid-lending (Ethereum), 6.23% APY, $146.24M TVL, https://www.defi.garden/?pool=4438dabc-7f0c-430b-8136-2722711ae663&src=seo_token; uniswap-v3 (Base), 73.99% APY, $115.46M TVL, https://www.defi.garden/?pool=b99bcdf5-1350-4269-981e-0e9b5cccb007&src=seo_token. This comparison does not measure protocol, exploit, depeg, liquidity, governance, or principal-loss risk.
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Yields are live from DefiLlama. Pools on this page clear a $100K minimum TVL and exclude anomalous rates — that's this page's listing bar, not a safety guarantee. Education only, not financial advice.
Last updated September 2, 2026
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