The top-ranked USDC offer reports 10.9% APY across 100 platforms in this comparison, ranked using available history, liquidity and risk evidence. Check each offer's source and terms before choosing. The most-tracked stablecoin yield: DeFi lending, vaults and centralized earn, ranked live.
Recent reported rates for USDC, and the available base and reward breakdown.
Recent annual rates range from 0.15% to 72.2% across 100 platforms. APR and APY use different compounding conventions; check the labels in the table.
Median reported APY across 9 Treasury-linked products. This offer is 7.5 percentage points above it. Similar yields do not imply similar risks. Fees, custody and redemption terms differ.
How the reference is calculatedThe risk behind the top USDC rate, and the depth supporting it.
Janus Henderson AAA CLO Fund
Janus Henderson Treasury Fund
Anemoy Tokenized Apollo Diversified Credit Fund Token
Rows are ordered by best value (durability and risk grade together, never who pays us), and each Earn link opens the platform’s own page. How we stay neutral.
An automated strategy that compounds yield on your behalf. Non-custodial; strategy and contract risk.
Supply the asset to an on-chain money market and earn borrower interest. Non-custodial; smart-contract risk.
A token representing shares of an off-chain fund (Treasury bills, credit or other real-world assets). The yield is the fund's return; issuer, redemption and investor-eligibility limits apply.
Stake to cover a protocol's losses (bad debt or insurance claims) in return for a premium. Your deposit is first in line to be cut when a loss occurs, and withdrawals usually wait out a cooldown.
Lend to institutional borrowers whose loans are underwritten and enforced off-chain, not by an on-chain liquidation. The yield is their interest; the main risk is borrower default.
Provide liquidity to a pool and earn fees plus incentives. Impermanent-loss risk on volatile pairs.
A synthetic-dollar or basis strategy: yield comes from perpetual-funding and staking, not lending. Funding-rate, negative-carry and de-peg risk.
A custodial earn account at a centralized platform. Convenient; counterparty and custody risk.
Restake staked assets to secure extra services for additional rewards. Added slashing and contract risk.
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How this yield works. An automated strategy that compounds yield on your behalf. Non-custodial; strategy and contract risk.
The risk grade is a transparent read of incentive reliance, pool depth, peg health and prior incidents, not a guarantee. The 30-day average summarizes reported rates, not realized returns: when today’s APY sits far above it, the yield is likely incentive-driven and tends to fall back.