Average USDC lending rates
Showing the average APRs over historical periods for USDC on Aave Prime Instance.
| Rate | 1d | 7d | 30d | 6m | 1y |
|---|---|---|---|---|---|
| Average Supply APR | 1.29% | 2.05% | 2.06% | 3.50% | 3.77% |
| Average Borrow APR | 2.27% | 3.60% | 3.68% | 4.90% | 5.11% |
Daily snapshots
Showing daily snapshots (midnight UTC) for USDC on Aave Prime Instance.
|
Date
|
Supplied
|
Supply APR
|
Borrowed
|
Borrow APR
|
|---|---|---|---|---|
| Mar 15, 2026 | 6.27M | 2.15% | 3.96M | 3.78% |
| Mar 14, 2026 | 6.27M | 2.15% | 3.96M | 3.78% |
| Mar 13, 2026 | 6.28M | 2.14% | 3.96M | 3.77% |
| Mar 12, 2026 | 6.28M | 2.14% | 3.96M | 3.77% |
| Mar 11, 2026 | 6.27M | 1.64% | 3.46M | 3.30% |
| Mar 10, 2026 | 5.36M | 2.24% | 3.46M | 3.86% |
| Mar 09, 2026 | 5.31M | 2.31% | 3.47M | 3.91% |
Monthly snapshots
Showing monthly snapshots (first day of month, midnight UTC) for USDC on Aave Prime Instance.
|
Date
|
Supplied
|
Supply APR
|
Borrowed
|
Borrow APR
|
|---|---|---|---|---|
| Mar 01, 2026 | 5.43M | 2.10% | 3.39M | 3.74% |
| Feb 01, 2026 | 6.22M | 2.30% | 4.07M | 3.91% |
| Jan 01, 2026 | 6.63M | 2.86% | 4.83M | 4.36% |
| Dec 01, 2025 | 7.00M | 3.41% | 5.57M | 4.76% |
| Nov 01, 2025 | 11.4M | 2.89% | 8.35M | 4.38% |
| Oct 01, 2025 | 7.28M | 4.29% | 6.50M | 5.34% |
| Sep 01, 2025 | 9.28M | 4.44% | 8.43M | 5.43% |
| Aug 01, 2025 | 8.15M | 4.29% | 7.28M | 5.34% |
| Jul 01, 2025 | 4.79M | 3.84% | 4.04M | 5.05% |
| Jun 01, 2025 | 4.87M | 4.32% | 4.36M | 5.36% |
| May 01, 2025 | 5.27M | 2.54% | 3.46M | 4.29% |
| Apr 01, 2025 | 4.72M | 3.24% | 3.51M | 4.85% |
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 Prime Instance.
| 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 (92%) and the utilization after deposit (circle)
|
|---|---|---|---|---|
| current | 2.15% | 3.78% | 63.22% | |
| $1.00M deposit | 1.60% (-0.55%) | 3.26% (-0.52%) | 54.53% | |
| $5.00M deposit | 0.67% (-1.49%) | 2.10% (-1.68%) | 35.17% |
Showing the immediate impact of borrow events for USDC on Aave Prime Instance.
| 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 (92%) and the utilization after borrow (circle)
|
|---|---|---|---|---|
| current | 2.15% | 3.78% | 63.22% | |
| $1.00M borrow | 3.37% (+1.22%) | 4.73% (+0.95%) | 79.17% |
Showing the immediate impact of repayment events for USDC on Aave Prime Instance.
| 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 (92%) and the utilization after repayment (circle)
|
|---|---|---|---|---|
| current | 2.15% | 3.78% | 63.22% | |
| $1.00M repayment | 1.20% (-0.95%) | 2.83% (-0.95%) | 47.27% |
Showing the immediate impact of withdrawal events for USDC on Aave Prime Instance.
| 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 (92%) and the utilization after withdrawal (circle)
|
|---|---|---|---|---|
| current | 2.15% | 3.78% | 63.22% | |
| $1.00M withdrawal | 3.04% (+0.89%) | 4.50% (+0.72%) | 75.22% |