USDC.N DeFi Yields
The highest honest USDC.N yield right now is 0.07% on osmosis-dex (Osmosis), among 7 pools above the $100K TVL floor. Rates are live from DefiLlama and exclude anomalous (>1000% APY) pools.
7 live pools above the $100K TVL floor · ranked by TVL
USDC.N's largest live pool is osmosis-dex on Osmosis at 0.04% ($459.2K TVL). 7 USDC.N pools across 1 chain clear this page's $100K TVL floor, $4.25M in total.
Your idle USDC.N could earn ~0.04% — park $559.2K and it could run a $20/mo Claude Pro subscription, forever.
See live USDC.N pools →| Protocol | Chain | APY | TVL |
|---|---|---|---|
| osmosis-dex → | Osmosis | 0.04% | $459.2K |
| osmosis-dex → | Osmosis | 0.07% | $420.8K |
| osmosis-dex → | Osmosis | 0.02% | $393.4K |
Rate stability from APY history
Based on APY history only, USDC.N's lower-variability candidates are osmosis-dex (Osmosis), 0.07% APY, $420.8K TVL, https://www.defi.garden/?pool=7cd52014-fecd-4036-a43b-097232c2b5ab&src=seo_token; osmosis-dex (Osmosis), 0.02% APY, $393.4K TVL, https://www.defi.garden/?pool=a661ddef-8f35-4c56-ac42-5fe2902b6fa6&src=seo_token; osmosis-dex (Osmosis), 0.04% APY, $459.2K TVL, https://www.defi.garden/?pool=2335ea7b-8047-4cad-8552-f805e21ac850&src=seo_token. This comparison does not measure protocol, exploit, depeg, liquidity, governance, or principal-loss risk.
| Rank | Protocol | Chain | APY | TVL |
|---|---|---|---|---|
| 1 | osmosis-dex → | Osmosis | 0.07% | $420.8K |
| 2 | osmosis-dex → | Osmosis | 0.02% | $393.4K |
| 3 | osmosis-dex → | Osmosis | 0.04% | $459.2K |
How this rate has behaved
USDC.N shows up in 3 pools here, with rates from 0.02% to 0.07% APY across 1 chains — the rate depends on which protocol and chain you pick, not just the token.
3 of these 3 pools have a trustworthy 30-day average on file, with a median of 0.33% — a useful check against today's number for whether the rate is steady or just having a good day.
All 3 pools pay a plain base rate right now — no incentive or reward APY mixed in.
3 of 3 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 |
|---|---|---|---|
| osmosis-dex | 0.04% | 0.33% | Base rate |
| osmosis-dex | 0.07% | 0.14% | Base rate |
| osmosis-dex | 0.02% | 0.79% | 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.N yield today?
0.07% APY on osmosis-dex (Osmosis), based on live DefiLlama data.
How many USDC.N pools clear the TVL floor?
7 live pools clear this page's $100K TVL floor, $4.25M 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.N pools have the most stable APY history?
Based on APY history only, USDC.N's lower-variability candidates are osmosis-dex (Osmosis), 0.07% APY, $420.8K TVL, https://www.defi.garden/?pool=7cd52014-fecd-4036-a43b-097232c2b5ab&src=seo_token; osmosis-dex (Osmosis), 0.02% APY, $393.4K TVL, https://www.defi.garden/?pool=a661ddef-8f35-4c56-ac42-5fe2902b6fa6&src=seo_token; osmosis-dex (Osmosis), 0.04% APY, $459.2K TVL, https://www.defi.garden/?pool=2335ea7b-8047-4cad-8552-f805e21ac850&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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