USDC.E DeFi Yields
The highest honest USDC.E yield right now is 44.25% on berapaw (Berachain), among 29 pools above the $100K TVL floor. Rates are live from DefiLlama and exclude anomalous (>1000% APY) pools.
29 live pools above the $100K TVL floor · ranked by TVL
Pool data verified from DefiLlama at generation time: October 18, 2026. Rates change continuously.
USDC.E's largest live pool is sparkdex-v3.1 on Flare at 0.19% ($3.43M TVL). 29 USDC.E pools across 12 chains clear this page's $100K TVL floor, $13.42M in total.
Your idle USDC.E could earn ~3.31% — park $7.3K and it could run a $20/mo Claude Pro subscription, forever.
See live USDC.E pools →| Protocol | Chain | APY | TVL |
|---|---|---|---|
| sparkdex-v3.1 → | Flare | 0.19% | $3.43M |
| sparkdex-v4 → | Flare | 5.72% | $1.98M |
| curve-dex → | Arbitrum | 0.05% | $631.4K |
| shadow-exchange-clmm → | Sonic | 0.89% | $531.8K |
| sushiswap-v3 → | Arbitrum | 6.44% | $477.6K |
| ekubo → | Starknet | 39.36% | $429.5K |
| symbiosis → | Polygon | 0.57% | $407.1K |
| berapaw → | Berachain | 44.25% | $307.5K |
Rate stability from APY history
Based on APY history only, USDC.E's lower-variability candidates are sparkdex-v4 (Flare), 5.72% APY, $1.98M TVL, https://www.defi.garden/?pool=d0230aad-1f7d-418f-bb92-fbb4acd9581a#src=seo_token; symbiosis (Polygon), 0.57% APY, $407.1K TVL, https://www.defi.garden/?pool=1437c28a-0faa-40bb-a987-884134c45d2f#src=seo_token; shadow-exchange-clmm (Sonic), 0.89% APY, $531.8K TVL, https://www.defi.garden/?pool=97b1770c-f7a3-4128-8937-525cdaba68d4#src=seo_token; curve-dex (Arbitrum), 0.05% APY, $631.4K TVL, https://www.defi.garden/?pool=4f3f9753-a071-4524-a564-35372a76c78d#src=seo_token; sparkdex-v3.1 (Flare), 0.19% APY, $3.43M TVL, https://www.defi.garden/?pool=a2851527-da35-4688-bacb-2ad86991d9db#src=seo_token; sushiswap-v3 (Arbitrum), 6.44% APY, $477.6K TVL, https://www.defi.garden/?pool=57015496-e4d1-4a4a-b278-d49a5bf0a1d3#src=seo_token; berapaw (Berachain), 44.25% APY, $307.5K TVL, https://www.defi.garden/?pool=ebc4336d-27a0-43c6-b0b5-e2a1e0702bb1#src=seo_token; ekubo (Starknet), 39.36% APY, $429.5K TVL, https://www.defi.garden/?pool=d7a6a86e-b246-4df4-99b2-8fc9a283faa2#src=seo_token. This comparison does not measure protocol, exploit, depeg, liquidity, governance, or principal-loss risk.
| Rank | Protocol | Chain | APY | TVL |
|---|---|---|---|---|
| 1 | sparkdex-v4 → | Flare | 5.72% | $1.98M |
| 2 | symbiosis → | Polygon | 0.57% | $407.1K |
| 3 | shadow-exchange-clmm → | Sonic | 0.89% | $531.8K |
| 4 | curve-dex → | Arbitrum | 0.05% | $631.4K |
| 5 | sparkdex-v3.1 → | Flare | 0.19% | $3.43M |
| 6 | sushiswap-v3 → | Arbitrum | 6.44% | $477.6K |
| 7 | berapaw → | Berachain | 44.25% | $307.5K |
| 8 | ekubo → | Starknet | 39.36% | $429.5K |
How this rate has behaved
USDC.E shows up in 8 pools here, with rates from 0.05% to 44.25% APY across 6 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 3.78% — a useful check against today's number for whether the rate is steady or just having a good day.
3 of 8 pools blend 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.
6 of 8 pools carry 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 |
|---|---|---|---|
| sparkdex-v3.1 | 0.19% | 0.19% | Base rate |
| sparkdex-v4 | 5.72% | 5.56% | 98.91% incentives |
| curve-dex | 0.05% | 0.20% | Base rate |
| shadow-exchange-clmm | 0.89% | 2.00% | 100.00% incentives |
| sushiswap-v3 | 6.44% | 9.16% | Base rate |
| ekubo | 39.36% | 81.20% | Base rate |
| symbiosis | 0.57% | 0.98% | Base rate |
| berapaw | 44.25% | 39.73% | 100.00% incentives |
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.E yield today?
44.25% APY on berapaw (Berachain), based on live DefiLlama data.
How many USDC.E pools clear the TVL floor?
29 live pools clear this page's $100K TVL floor, $13.42M 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.E pools have the most stable APY history?
Based on APY history only, USDC.E's lower-variability candidates are sparkdex-v4 (Flare), 5.72% APY, $1.98M TVL, https://www.defi.garden/?pool=d0230aad-1f7d-418f-bb92-fbb4acd9581a#src=seo_token; symbiosis (Polygon), 0.57% APY, $407.1K TVL, https://www.defi.garden/?pool=1437c28a-0faa-40bb-a987-884134c45d2f#src=seo_token; shadow-exchange-clmm (Sonic), 0.89% APY, $531.8K TVL, https://www.defi.garden/?pool=97b1770c-f7a3-4128-8937-525cdaba68d4#src=seo_token; curve-dex (Arbitrum), 0.05% APY, $631.4K TVL, https://www.defi.garden/?pool=4f3f9753-a071-4524-a564-35372a76c78d#src=seo_token; sparkdex-v3.1 (Flare), 0.19% APY, $3.43M TVL, https://www.defi.garden/?pool=a2851527-da35-4688-bacb-2ad86991d9db#src=seo_token; sushiswap-v3 (Arbitrum), 6.44% APY, $477.6K TVL, https://www.defi.garden/?pool=57015496-e4d1-4a4a-b278-d49a5bf0a1d3#src=seo_token; berapaw (Berachain), 44.25% APY, $307.5K TVL, https://www.defi.garden/?pool=ebc4336d-27a0-43c6-b0b5-e2a1e0702bb1#src=seo_token; ekubo (Starknet), 39.36% APY, $429.5K TVL, https://www.defi.garden/?pool=d7a6a86e-b246-4df4-99b2-8fc9a283faa2#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 October 18, 2026
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