Average USDC lending rates
Showing the average APRs over historical periods for USDC on Aave V3 Base (incentives not included).
| Rate | 1d | 7d | 30d | 6m | 1y |
|---|---|---|---|---|---|
| Average Supply APR | 3.41% | 2.81% | 2.62% | 3.48% | 4.03% |
| Average Borrow APR | 4.74% | 4.01% | 3.83% | 5.23% | 5.69% |
Daily snapshots
Showing daily snapshots (midnight UTC) for USDC on Aave V3 Base.
|
Date
|
Supplied
|
Supply APR
|
Borrowed
|
Borrow APR
|
|---|---|---|---|---|
| Apr 15, 2026 | 359.4M | 3.02% | 294.3M | 4.09% |
| Apr 14, 2026 | 356.8M | 2.66% | 274.2M | 3.84% |
| Apr 13, 2026 | 357.4M | 2.69% | 276.3M | 3.87% |
| Apr 12, 2026 | 355.9M | 2.70% | 275.5M | 3.87% |
| Apr 11, 2026 | 357.2M | 2.71% | 277.0M | 3.88% |
| Apr 10, 2026 | 357.8M | 2.73% | 278.5M | 3.89% |
| Apr 09, 2026 | 360.4M | 2.69% | 278.9M | 3.87% |
Monthly snapshots
Showing monthly snapshots (first day of month, midnight UTC) for USDC on Aave V3 Base.
|
Date
|
Supplied
|
Supply APR
|
Borrowed
|
Borrow APR
|
|---|---|---|---|---|
| Apr 01, 2026 | 363.3M | 2.69% | 280.8M | 3.86% |
| Mar 01, 2026 | 394.8M | 3.36% | 323.7M | 4.55% |
| Feb 01, 2026 | 375.3M | 3.66% | 320.9M | 4.75% |
| Jan 01, 2026 | 358.8M | 3.58% | 247.3M | 5.77% |
| Dec 01, 2025 | 349.3M | 3.25% | 227.2M | 5.54% |
| Nov 01, 2025 | 381.7M | 5.13% | 312.1M | 6.97% |
| Oct 01, 2025 | 366.2M | 5.64% | 304.7M | 7.53% |
| Sep 01, 2025 | 282.0M | 5.65% | 235.0M | 7.54% |
| Aug 01, 2025 | 180.2M | 5.49% | 159.3M | 6.90% |
| Jul 01, 2025 | 167.2M | 3.31% | 126.3M | 4.86% |
| Jun 01, 2025 | 138.7M | 3.92% | 117.1M | 5.16% |
| May 01, 2025 | 135.9M | 3.28% | 100.5M | 4.93% |
Liquidity impact
Using the interest rate model to simulate the market rates in the event of a deposit, borrow, repayment or withdrawal (incentives not included).
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 | 2.76% | 3.91% | 78.26% | |
| $25.0M deposit | 2.41% (-0.35%) | 3.66% (-0.25%) | 73.19% | |
| $50.0M deposit | 2.13% (-0.63%) | 3.44% (-0.48%) | 68.73% | |
| $100.0M deposit | 1.69% (-1.07%) | 3.06% (-0.85%) | 61.27% | |
| $250.0M deposit | 0.96% (-1.80%) | 2.31% (-1.60%) | 46.22% |
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 | 2.76% | 3.91% | 78.26% | |
| $5.00M borrow | 2.85% (+0.10%) | 3.98% (+0.07%) | 79.65% | |
| $10.0M borrow | 2.96% (+0.20%) | 4.05% (+0.14%) | 81.04% | |
| $25.0M borrow | 3.27% (+0.51%) | 4.26% (+0.35%) | 85.20% | |
| $50.0M borrow | 5.50% (+2.74%) | 6.63% (+2.72%) | 92.13% |
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 | 2.76% | 3.91% | 78.26% | |
| $25.0M repayment | 2.29% (-0.47%) | 3.57% (-0.35%) | 71.33% | |
| $50.0M repayment | 1.87% (-0.89%) | 3.22% (-0.69%) | 64.40% | |
| $100.0M repayment | 1.15% (-1.61%) | 2.53% (-1.39%) | 50.53% | |
| $250.0M repayment | 0.04% (-2.72%) | 0.45% (-3.47%) | 8.94% |
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 | 2.76% | 3.91% | 78.26% | |
| $5.00M withdrawal | 2.83% (+0.08%) | 3.97% (+0.06%) | 79.37% | |
| $10.0M withdrawal | 2.92% (+0.16%) | 4.02% (+0.11%) | 80.50% | |
| $25.0M withdrawal | 3.18% (+0.43%) | 4.20% (+0.29%) | 84.10% | |
| $50.0M withdrawal | 4.39% (+1.63%) | 5.36% (+1.45%) | 90.86% |