BTC vs USDC

USDC pays more right now (up to 10.9% vs 2.83%), while BTC brings different trade-offs on risk and liquidity. Yields below are live across every platform we track.

Updated 27 Sep 2026, 12:00 UTC

BTC

$4.3B TVL crypto · risk A

2.83%

best of 44 platforms · incl. 2.81% rewards

All platforms

USDC

$8.4B TVL stablecoin · risk A

10.9%

best of 100 platforms

All platforms

Side by side

Best live APY

2.83%

10.9%best

Total value locked

Deeper liquidity is a safety and durability signal

$4.3B

$8.4Bbest

Live platforms

How many places pay yield on it right now

100best

Live opportunities

Which should you earn on?

Earn on BTC

Comparable on the headline signals; let live yield and risk decide.

Earn on USDC

Higher live yield, up to 10.9%.
Deeper liquidity ($8.4B TVL vs $4.3B): a safer, more durable market.
More places to earn (100 platforms vs 44).
Dollar-pegged: earn without exposure to price swings.

Or skip the guesswork: pick your asset and risk tier and BitcoinYield ranks the highest live yield that actually fits, across both of these and everything else.

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