USDC Yield
Compare USDC yield products among 30 offers on 17 platforms: review rates, terms, and platform conditions before choosing an option.
USDC
Xt
APY 15.00%
USDC
Binance
APY 2.61%
USDC
Bybit
APY 4.37%
| Token | Rate | Term | Platform | Platform reliability | |
|---|---|---|---|---|---|
USDC For new users | 200.00% | 7 days |  Toobit | 9 / 10 | |
USDC Small limit | 100.00% |  Htx | 6 / 10 | ||
USDC | 15.00% | Xt | 7 / 10 | ||
USDC | 10.00% |  Okx | 10 / 10 | ||
USDC Small limit | 10.00% | Toobit | 9 / 10 | ||
USDC | 10.00% |  Mexc | 10 / 10 | ||
USDC | 8.78% |  Avantis | - | ||
USDC | 8.00% | Htx | 6 / 10 | ||
USDC | 7.55% | Binance | 10 / 10 | ||
USDC | 6.66% |  Bitget | 10 / 10 | ||
USDC | 5.50% |  Phemex | 8 / 10 | ||
USDC | 5.20% | Xt | 7 / 10 | ||
USDC | 4.80% | Xt | 7 / 10 | ||
USDC | 4.50% | 35 days | Xt | 7 / 10 | |
USDC | 4.37% | Bybit | 9 / 10 | ||
USDC | 4.20% | 90 days | Xt | 7 / 10 | |
USDC | 4.10% | 30 days | Toobit | 9 / 10 | |
USDC | 4.00% | 7 days | Toobit | 9 / 10 | |
USDC For VIP clients | 4.00% |  Bitunix | 9 / 10 | ||
USDC | 3.65% | Bybit | 9 / 10 | ||
USDC | 3.52% |  Spark | - | ||
USDC | 3.50% | 7 days | Bitunix | 9 / 10 | |
USDC | 3.36% | Binance | 10 / 10 | ||
USDC | 2.61% | Binance | 10 / 10 | ||
USDC | 2.50% | 7 days | Phemex | 8 / 10 | |
USDC | 2.00% | 14 days |  Kucoin | 9 / 10 | |
USDC | 1.80% | Bitget | 10 / 10 | ||
USDC | 1.50% | 7 days | Xt | 7 / 10 | |
USDC | 1.20% | Bitunix | 9 / 10 | ||
USDC | 0.42% | Kucoin | 9 / 10 |
What earning yield on USDC means
USDC is a stablecoin designed to maintain a peg to the US dollar. Compare DeFi lists available ways to place USDC with different rates, terms, and conditions. Yield depends on the product and platform and is not guaranteed.
This is not staking
USDC does not participate in blockchain validation under a Proof-of-Stake model. Yield may be generated through savings products, crypto lending, and other placement formats.
APR and APY
APR is an annual rate that excludes reinvestment from its calculation. APY may include compounding according to the platform’s methodology.
Who issues USDC
USDC is issued by the fintech company Circle. Circle Internet Group became a public company on June 5, 2025: its Class A shares trade on the New York Stock Exchange under the ticker CRCL. Public-company status does not eliminate risks related to USDC or yield products, but it provides access to the company’s corporate reporting and disclosures.
Main ways to earn yield on USDC
Most offers are products from centralized cryptocurrency exchanges where users place USDC in a platform account and the platform accrues yield under the stated terms. These include flexible options with more readily available access to funds and fixed-term products with a defined placement period. The comparison may also include DeFi formats that operate through smart contracts.
How to compare offers on this page
Filters and sorting are available to compare offers by rate, placement term, and platform. In addition to yield, product terms may include early-withdrawal rules, minimum amounts, boosted-rate limits, accrual frequency, and fund lockups. The provider page lets users verify final terms and product availability.
Risks of earning yield on USDC
USDC yield products involve risks despite the token’s aim to maintain a value close to one US dollar. Centralized exchanges involve custody and counterparty risks, including possible withdrawal restrictions. DeFi introduces smart-contract, oracle, and liquidity risks. Rates, fees, limits, and other terms may change; USDC also remains subject to issuer risk and temporary deviations from its US dollar peg.
What to consider before placing USDC
Yield is only one selection parameter. A suitable option depends on the desired term, availability of funds, accrual rules, and level of trust in the platform. Comparing terms helps assess these factors in one place, but the decision to place funds remains with the user. Compare DeFi materials are for informational purposes only and do not constitute personal investment advice or a call to action.
Frequently Asked Questions (FAQ)
Although USDC does not operate on the Proof-of-Stake algorithm, many platforms offer yield instruments that are commonly referred to as USDC earn.
Yield is generated through: lending operations, market making, interaction with DeFi protocols, or the service's internal mechanisms.
USDC is distinguished by price stability, while income is generated exclusively through interest, without dependence on coin price fluctuations.
The level of risk depends on the chosen service and may consist of: counterparty risks, smart contract risks, as well as risks of the company that issued the stablecoin.