Aave
Average USDC lending rates
Showing the average APRs over historical periods for USDC on Aave V3 Arbitrum.
| Rate | 1d | 7d | 30d | 6m | 1y |
|---|---|---|---|---|---|
| Average Supply APR | 2.87% | 2.80% | 2.84% | 3.56% | 3.59% |
| Average Borrow APR | 4.20% | 4.16% | 4.23% | 5.10% | 5.25% |
Daily snapshots
Showing daily snapshots (midnight UTC) for USDC on Aave V3 Arbitrum.
|
Date
|
Supplied
|
Supply APR
|
Borrowed
|
Borrow APR
|
|---|---|---|---|---|
| Jan 29, 2026 | 300.3M | 2.99% | 232.1M | 4.29% |
| Jan 28, 2026 | 301.3M | 2.85% | 227.5M | 4.19% |
| Jan 27, 2026 | 308.6M | 2.61% | 222.8M | 4.01% |
| Jan 26, 2026 | 300.9M | 2.78% | 224.4M | 4.14% |
| Jan 25, 2026 | 301.2M | 2.89% | 229.1M | 4.22% |
| Jan 24, 2026 | 301.6M | 2.87% | 228.4M | 4.21% |
| Jan 23, 2026 | 314.7M | 2.64% | 228.6M | 4.04% |
Monthly snapshots
Showing monthly snapshots with average APRs over the preceding 30 days for USDC on Aave V3 Arbitrum.
|
Date
|
Supplied
|
Supply APR 30d
|
Borrowed
|
Borrow APR 30d
|
|---|---|---|---|---|
| Jan 01, 2026 | 297.4M | 3.01% | 226.2M | 4.52% |
| Dec 01, 2025 | 344.7M | 3.06% | 237.0M | 4.72% |
| Nov 01, 2025 | 303.3M | 3.66% | 237.2M | 5.35% |
| Oct 01, 2025 | 292.6M | 4.34% | 247.5M | 5.90% |
| Sep 01, 2025 | 297.1M | 4.39% | 227.5M | 5.82% |
| Aug 01, 2025 | 268.1M | 4.27% | 225.3M | 5.49% |
| Jul 01, 2025 | 225.2M | 3.58% | 186.8M | 4.88% |
| Jun 01, 2025 | 234.3M | 3.54% | 187.0M | 4.89% |
| May 01, 2025 | 208.8M | 2.53% | 146.1M | 4.25% |
| Apr 01, 2025 | 243.1M | 3.16% | 155.8M | 5.53% |
| Mar 01, 2025 | 270.8M | 5.00% | 186.7M | 7.93% |
Liquidity impact
Using the interest rate model to simulate the market rates in the event of a deposit, borrow, repayment or withdrawal.
Showing the immediate impact of deposit events for USDC on Aave V3 Arbitrum.
| Action |
Supply APR
Supply APR after the deposit (change from current)
|
Borrow APR
Borrow APR after the deposit (change from current)
|
Utilization
Utilization after the deposit
|
Model
Interest rate curve showing the optimal utilization kink (90%) and the utilization after deposit (circle)
|
|---|---|---|---|---|
| current | 2.99% | 4.30% | 77.33% | |
| $25.0M deposit | 2.55% (-0.44%) | 3.97% (-0.33%) | 71.37% | |
| $50.0M deposit | 2.20% (-0.79%) | 3.68% (-0.61%) | 66.27% | |
| $100.0M deposit | 1.68% (-1.31%) | 3.22% (-1.08%) | 57.97% | |
| $250.0M deposit | 0.89% (-2.10%) | 2.34% (-1.95%) | 42.15% |
Showing the immediate impact of borrow events for USDC on Aave V3 Arbitrum.
| Action |
Supply APR
Supply APR after the borrow (change from current)
|
Borrow APR
Borrow APR after the borrow (change from current)
|
Utilization
Utilization after the borrow
|
Model
Interest rate curve showing the optimal utilization kink (90%) and the utilization after borrow (circle)
|
|---|---|---|---|---|
| current | 2.99% | 4.30% | 77.33% | |
| $5.00M borrow | 3.12% (+0.13%) | 4.39% (+0.09%) | 79.00% | |
| $10.0M borrow | 3.25% (+0.26%) | 4.48% (+0.19%) | 80.67% | |
| $25.0M borrow | 3.67% (+0.68%) | 4.76% (+0.46%) | 85.68% | |
| $50.0M borrow | 7.64% (+4.65%) | 9.02% (+4.73%) | 94.02% |
Showing the immediate impact of repayment events for USDC on Aave V3 Arbitrum.
| Action |
Supply APR
Supply APR after the repayment (change from current)
|
Borrow APR
Borrow APR after the repayment (change from current)
|
Utilization
Utilization after the repayment
|
Model
Interest rate curve showing the optimal utilization kink (90%) and the utilization after repayment (circle)
|
|---|---|---|---|---|
| current | 2.99% | 4.30% | 77.33% | |
| $10.0M repayment | 2.74% (-0.25%) | 4.11% (-0.19%) | 73.99% | |
| $25.0M repayment | 2.38% (-0.61%) | 3.83% (-0.46%) | 68.98% | |
| $50.0M repayment | 1.84% (-1.15%) | 3.37% (-0.93%) | 60.64% | |
| $100.0M repayment | 0.97% (-2.02%) | 2.44% (-1.85%) | 43.94% |
Showing the immediate impact of withdrawal events for USDC on Aave V3 Arbitrum.
| Action |
Supply APR
Supply APR after the withdrawal (change from current)
|
Borrow APR
Borrow APR after the withdrawal (change from current)
|
Utilization
Utilization after the withdrawal
|
Model
Interest rate curve showing the optimal utilization kink (90%) and the utilization after withdrawal (circle)
|
|---|---|---|---|---|
| current | 2.99% | 4.30% | 77.33% | |
| $5.00M withdrawal | 3.09% (+0.10%) | 4.37% (+0.07%) | 78.64% | |
| $10.0M withdrawal | 3.20% (+0.21%) | 4.44% (+0.15%) | 80.00% | |
| $25.0M withdrawal | 3.56% (+0.57%) | 4.69% (+0.39%) | 84.37% | |
| $50.0M withdrawal | 6.54% (+3.55%) | 7.83% (+3.53%) | 92.83% |