Aave
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 | 2.88% | 2.46% | 3.10% | 3.99% | 3.99% |
| Average Borrow APR | 5.00% | 4.06% | 4.52% | 5.29% | 5.41% |
Daily snapshots
Showing daily snapshots (midnight UTC) for USDC on Aave Prime Instance.
|
Date
|
Supplied
|
Supply APR
|
Borrowed
|
Borrow APR
|
|---|---|---|---|---|
| Feb 12, 2026 | 5.42M | 2.21% | 3.48M | 3.83% |
| Feb 12, 2026 | 5.43M | 2.22% | 3.48M | 3.84% |
| Feb 11, 2026 | 5.43M | 2.07% | 3.36M | 3.70% |
| Feb 10, 2026 | 5.43M | 2.02% | 3.33M | 3.66% |
| Feb 09, 2026 | 5.43M | 2.74% | 3.87M | 4.27% |
| Feb 08, 2026 | 5.43M | 3.21% | 4.19M | 4.62% |
| Feb 07, 2026 | 5.43M | 2.33% | 3.57M | 3.94% |
Monthly snapshots
Showing monthly snapshots with average APRs over the preceding 30 days for USDC on Aave Prime Instance.
|
Date
|
Supplied
|
Supply APR 30d
|
Borrowed
|
Borrow APR 30d
|
|---|---|---|---|---|
| Feb 01, 2026 | 6.22M | 3.41% | 4.07M | 4.76% |
| Jan 01, 2026 | 6.63M | 3.30% | 4.83M | 4.71% |
| Dec 01, 2025 | 7.00M | 3.34% | 5.57M | 4.70% |
| Nov 01, 2025 | 11.4M | 4.48% | 8.35M | 5.75% |
| Oct 01, 2025 | 7.28M | 5.40% | 6.50M | 6.50% |
| Sep 01, 2025 | 9.28M | 4.94% | 8.43M | 6.03% |
| Aug 01, 2025 | 8.15M | 4.39% | 7.28M | 5.60% |
| Jul 01, 2025 | 4.79M | 4.30% | 4.04M | 5.49% |
| Jun 01, 2025 | 4.87M | 3.68% | 4.36M | 4.99% |
| May 01, 2025 | 5.27M | 3.00% | 3.46M | 4.68% |
| Apr 01, 2025 | 4.72M | 3.43% | 3.51M | 5.66% |
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 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 | 2.21% | 3.83% | 64.14% | |
| $1.00M deposit | 1.58% (-0.64%) | 3.24% (-0.60%) | 54.15% | |
| $5.00M deposit | 0.60% (-1.61%) | 2.00% (-1.84%) | 33.37% |
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 | 2.21% | 3.83% | 64.14% | |
| $1.00M borrow | 3.67% (+1.46%) | 4.94% (+1.10%) | 82.57% |
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 | 2.21% | 3.83% | 64.14% | |
| $1.00M repayment | 1.12% (-1.09%) | 2.73% (-1.10%) | 45.70% |
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 | 2.21% | 3.83% | 64.14% | |
| $1.00M withdrawal | 3.33% (+1.11%) | 4.70% (+0.87%) | 78.63% |