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 | 4.33% | 3.49% | 3.39% | 4.16% | 4.09% |
| Average Borrow APR | 6.10% | 4.77% | 4.74% | 5.42% | 5.57% |
Daily snapshots
Showing daily snapshots (midnight UTC) for USDC on Aave Prime Instance.
|
Date
|
Supplied
|
Supply APR
|
Borrowed
|
Borrow APR
|
|---|---|---|---|---|
| Jan 29, 2026 | 6.34M | 3.36% | 5.01M | 4.72% |
| Jan 28, 2026 | 6.34M | 3.38% | 5.03M | 4.74% |
| Jan 27, 2026 | 6.39M | 3.32% | 5.02M | 4.70% |
| Jan 26, 2026 | 6.40M | 3.60% | 5.24M | 4.89% |
| Jan 25, 2026 | 6.41M | 3.74% | 5.35M | 4.99% |
| Jan 24, 2026 | 6.42M | 3.73% | 5.35M | 4.98% |
| Jan 23, 2026 | 6.46M | 3.70% | 5.36M | 4.96% |
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
|
|---|---|---|---|---|
| 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% |
| Mar 01, 2025 | 4.92M | 5.75% | 3.81M | 8.46% |
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 | 3.36% | 4.73% | 79.07% | |
| $1.00M deposit | 2.51% (-0.85%) | 4.08% (-0.64%) | 68.29% | |
| $5.00M deposit | 1.05% (-2.31%) | 2.64% (-2.09%) | 44.19% |
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 | 3.36% | 4.73% | 79.07% | |
| $1.00M borrow | 15.35% (+11.99%) | 17.98% (+13.26%) | 94.85% |
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 | 3.36% | 4.73% | 79.07% | |
| $1.00M repayment | 2.15% (-1.21%) | 3.78% (-0.94%) | 63.28% | |
| $5.00M repayment | 0.00% (-3.36%) | 0.01% (-4.72%) | 0.14% |
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 | 3.36% | 4.73% | 79.07% | |
| $1.00M withdrawal | 11.63% (+8.27%) | 13.76% (+9.04%) | 93.89% |