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Live and historical Aave rates
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USDC
USDC token icon USDC
USD Coin
Market
Protocol
aave icon Aave
Supply APR
Current interest rate being earned by depositors
3.35%
Borrow APR
Current interest rate being paid by borrowers
4.55%
Supplied ($)
Total value currently deposited in USD terms
$20.7M
Borrowed ($)
Total value currently borrowed in USD terms
$16.9M
Oracle price
Asset price from market oracle
$1
Supplied
20.7M USDC
Borrowed
16.9M USDC
Get 4+ years of historical data on Aavescan Pro
Line chart showing historical data for USDC on Optimism V3 Line chart showing historical data for USDC on Optimism V3
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Borrow APR chevron down
Line chart showing Borrow APR for USDC on Optimism V3 Line chart showing Borrow APR for USDC on Optimism V3
Supply APR chevron down
Line chart showing Supply APR for USDC on Optimism V3 Line chart showing Supply APR for USDC on Optimism V3
Supplied ($) chevron down
Line chart showing Supplied ($) for USDC on Optimism V3 Line chart showing Supplied ($) for USDC on Optimism V3
Borrowed ($) chevron down
Line chart showing Borrowed ($) for USDC on Optimism V3 Line chart showing Borrowed ($) for USDC on Optimism V3
Util chevron down
Line chart showing Util for USDC on Optimism V3 Line chart showing Util for USDC on Optimism V3
Supplied chevron down
Line chart showing Supplied for USDC on Optimism V3 Line chart showing Supplied for USDC on Optimism V3
Borrowed chevron down
Line chart showing Borrowed for USDC on Optimism V3 Line chart showing Borrowed for USDC on Optimism V3
Price ($) chevron down
Line chart showing Price ($) for USDC on Optimism V3 Line chart showing Price ($) for USDC on Optimism V3

Average USDC lending rates

Showing the average APRs over historical periods for USDC on Aave V3 Optimism.

Rate1d7d30d6m1y
Average Supply APR 3.32%3.24%2.87%3.83%3.64%
Average Borrow APR 4.53%4.47%4.25%5.28%5.29%

Daily snapshots

Showing daily snapshots (midnight UTC) for USDC on Aave V3 Optimism.

Date
Supplied
Supply APR
Borrowed
Borrow APR
Jan 29, 2026 20.7M 3.35% 16.9M 4.55%
Jan 28, 2026 20.7M 3.31% 16.9M 4.52%
Jan 27, 2026 20.9M 3.20% 16.7M 4.45%
Jan 26, 2026 20.9M 3.20% 16.7M 4.45%
Jan 25, 2026 20.6M 3.32% 16.8M 4.53%
Jan 24, 2026 20.7M 3.29% 16.8M 4.51%
Jan 23, 2026 21.7M 3.00% 16.8M 4.31%
Download 90 days CSV PRO Download Entire History CSV Get 4+ years historical data on Aavescan Pro

Monthly snapshots

Showing monthly snapshots with average APRs over the preceding 30 days for USDC on Aave V3 Optimism.

Date
Supplied
Supply APR 30d
Borrowed
Borrow APR 30d
Jan 01, 2026 24.1M 2.56% 16.6M 4.16%
Dec 01, 2025 24.9M 3.35% 17.8M 4.94%
Nov 01, 2025 25.0M 4.54% 20.8M 5.99%
Oct 01, 2025 26.0M 4.93% 23.1M 6.31%
Sep 01, 2025 27.8M 4.62% 23.8M 5.96%
Aug 01, 2025 26.9M 3.93% 24.1M 5.16%
Jul 01, 2025 25.7M 3.02% 19.3M 4.49%
Jun 01, 2025 27.0M 2.98% 20.3M 4.49%
May 01, 2025 28.5M 2.23% 18.0M 4.04%
Apr 01, 2025 34.4M 3.63% 22.5M 5.95%
Mar 01, 2025 39.8M 5.39% 28.5M 8.27%
Get 4+ years historical data on Aavescan Pro

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 Optimism.

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 3.35% 4.55% 81.87%
$1.00M deposit 3.05% (-0.30%) 4.34% (-0.21%) 78.09%
$5.00M deposit 2.17% (-1.18%) 3.66% (-0.89%) 65.93%
$10.0M deposit 1.52% (-1.83%) 3.07% (-1.48%) 55.18%

Showing the immediate impact of borrow events for USDC on Aave V3 Optimism.

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 3.35% 4.55% 81.87%
$1.00M borrow 3.76% (+0.41%) 4.82% (+0.27%) 86.71%

Showing the immediate impact of repayment events for USDC on Aave V3 Optimism.

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 3.35% 4.55% 81.87%
$1.00M repayment 2.97% (-0.38%) 4.28% (-0.27%) 77.04%
$5.00M repayment 1.66% (-1.69%) 3.21% (-1.34%) 57.69%
$10.0M repayment 0.56% (-2.79%) 1.86% (-2.69%) 33.51%

Showing the immediate impact of withdrawal events for USDC on Aave V3 Optimism.

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 3.35% 4.55% 81.87%
$1.00M withdrawal 3.70% (+0.35%) 4.78% (+0.23%) 86.03%