Aave
Average USDC lending rates
Showing the average APRs over historical periods for USDC on Aave V3 Base.
| Rate | 1d | 7d | 30d | 6m | 1y |
|---|---|---|---|---|---|
| Average Supply APR | 3.53% | 3.62% | 3.66% | 4.59% | 4.36% |
| Average Borrow APR | 5.51% | 5.57% | 5.75% | 6.58% | 6.32% |
Daily snapshots
Showing daily snapshots (midnight UTC) for USDC on Aave V3 Base.
|
Date
|
Supplied
|
Supply APR
|
Borrowed
|
Borrow APR
|
|---|---|---|---|---|
| Jan 15, 2026 | 358.9M | 3.44% | 251.9M | 5.45% |
| Jan 14, 2026 | 351.6M | 3.57% | 251.9M | 5.53% |
| Jan 13, 2026 | 348.5M | 3.72% | 256.2M | 5.63% |
| Jan 12, 2026 | 348.9M | 3.71% | 255.7M | 5.62% |
| Jan 11, 2026 | 349.8M | 3.62% | 252.9M | 5.57% |
| Jan 10, 2026 | 349.8M | 3.61% | 252.3M | 5.56% |
| Jan 09, 2026 | 348.6M | 3.59% | 250.6M | 5.54% |
Monthly snapshots
Showing monthly snapshots with average APRs over the preceding 30 days for USDC on Aave V3 Base.
|
Date
|
Supplied
|
Supply APR 30d
|
Borrowed
|
Borrow APR 30d
|
|---|---|---|---|---|
| Jan 01, 2026 | 358.8M | 3.47% | 247.3M | 5.69% |
| Dec 01, 2025 | 349.3M | 3.91% | 227.2M | 6.17% |
| Nov 01, 2025 | 381.7M | 5.16% | 312.1M | 7.18% |
| Oct 01, 2025 | 366.2M | 5.49% | 304.7M | 7.44% |
| Sep 01, 2025 | 282.0M | 5.18% | 235.0M | 7.02% |
| Aug 01, 2025 | 180.2M | 4.37% | 159.3M | 5.69% |
| Jul 01, 2025 | 167.2M | 4.18% | 126.3M | 5.41% |
| Jun 01, 2025 | 138.7M | 3.61% | 117.1M | 4.96% |
| May 01, 2025 | 135.9M | 3.10% | 100.5M | 4.77% |
| Apr 01, 2025 | 147.2M | 3.60% | 105.0M | 5.94% |
| Mar 01, 2025 | 173.9M | 5.06% | 116.0M | 8.01% |
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 Base.
| 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 | 3.45% | 5.46% | 70.27% | |
| $25.0M deposit | 3.08% (-0.37%) | 5.22% (-0.24%) | 65.69% | |
| $50.0M deposit | 2.78% (-0.67%) | 5.00% (-0.45%) | 61.67% | |
| $100.0M deposit | 2.30% (-1.15%) | 4.65% (-0.81%) | 54.94% | |
| $250.0M deposit | 1.47% (-1.99%) | 3.93% (-1.52%) | 41.40% |
Showing the immediate impact of borrow events for USDC on Aave V3 Base.
| 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 | 3.45% | 5.46% | 70.27% | |
| $10.0M borrow | 3.69% (+0.23%) | 5.61% (+0.15%) | 73.06% | |
| $25.0M borrow | 4.05% (+0.60%) | 5.83% (+0.37%) | 77.24% | |
| $50.0M borrow | 4.70% (+1.24%) | 6.19% (+0.74%) | 84.22% | |
| $100.0M borrow | 12.96% (+9.51%) | 14.67% (+9.21%) | 98.17% |
Showing the immediate impact of repayment events for USDC on Aave V3 Base.
| 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 | 3.45% | 5.46% | 70.27% | |
| $25.0M repayment | 2.90% (-0.55%) | 5.09% (-0.37%) | 63.29% | |
| $50.0M repayment | 2.39% (-1.06%) | 4.72% (-0.74%) | 56.32% | |
| $100.0M repayment | 1.52% (-1.93%) | 3.99% (-1.47%) | 42.37% | |
| $250.0M repayment | 0.01% (-3.44%) | 1.78% (-3.68%) | 0.52% |
Showing the immediate impact of withdrawal events for USDC on Aave V3 Base.
| 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 | 3.45% | 5.46% | 70.27% | |
| $10.0M withdrawal | 3.62% (+0.17%) | 5.57% (+0.11%) | 72.29% | |
| $25.0M withdrawal | 3.90% (+0.45%) | 5.74% (+0.28%) | 75.54% | |
| $50.0M withdrawal | 4.45% (+1.00%) | 6.06% (+0.60%) | 81.66% | |
| $100.0M withdrawal | 12.25% (+8.79%) | 13.96% (+8.50%) | 97.46% |