Best USDC APY on Ethereum — Live Rates

The top USDC vault on Ethereum mainnet currently offers a 32.82% 7-day average APY. The table below ranks 50 USDC vaults on Ethereum mainnet by 7-day average APY. Rates update daily at 06:00 UTC.

Last updated: July 26, 2026 · Data: vaults.fyi

ProtocolVault (links to app)Network7-day APYTVLReputation
MidasMidas Fasanara GlobalEthereum32.82%$61MMed
WildcatKain Warwick USD CoinEthereum25.01%$5MLow
MidasMorini StockMarketTRBasisTrade VaultEthereum19.62%$5MMed
EulerYieldNest Max USDCEthereum17.83%$1MMed
AccountableMorini FXArbUSDTRYEthereum16.77%$4MLow
Upshift FinanceMNNC Azure Tide USDCEthereum15.95%$26MMed
MidasMidas HyperithmEthereum14.79%$48MHigh
AccountableSPICE CreditEthereum14.46%$1MLow
MidasMorini CarryTradeUSDTRYLeverage VaultEthereum13.29%$13MMed
Lagoon1212.StableEthereum12.77%$2MMed
EmberEmber Pharos AlphaEthereum12.71%$8MMed
Upshift FinanceSingularV USDC Max Yield Ethereum11.97%$2MMed
AccountableONyC CoreEthereum11.51%$2MLow
WildcatHyperithm Wildcat USD CoinEthereum10.69%$1MLow
WildcatKey USD CoinEthereum10.63%$2MLow
MidasMidas Apollo CryptoEthereum10.26%$7MMed
WildcatMNNC Trading USD CoinEthereum10.14%$4MLow
WildcatSelini USD CoinEthereum10.10%$9MLow
MidasMidas Fasanara ONEEthereum10.05%$70MMed
WildcatHyperithm WildcatFast USD CoinEthereum9.74%$2MLow
MidasMidas Re7 YieldEthereum9.30%$7MMed
EmberEmber EarnEthereum9.09%$3MMed
LagoonSyntropia USDC CoreEthereum9.00%$1MMed
EulerEuler Prime USDCEthereum8.87%$2MHigh
MorphoAlpha USDC Forex V2Ethereum8.85%$1MMed
UltrayieldUltraYield USDEthereum8.75%$4MMed
WildcatAuros USD CoinEthereum8.66%$6MLow
FluidFluid Lite USD VaultEthereum8.61%$37MMed
WildcatWintermute Trading USD CoinEthereum8.49%$75MLow
MorphoSteakhouse Confidential Prime USDCEthereum8.30%$26MMed
MorphoYearn OG USDC V2Ethereum8.29% incl. 2.60% rewards$2MMed
MorphoApi3 dCOMP USDCEthereum8.25%$14MMed
MorphoYearn OG USDCEthereum8.17% incl. 2.61% rewards$7MMed
MorphoByzantine Prime USDEthereum8.09%$6MMed
Morpho3Jane Ecosystem VaultEthereum7.98% incl. 2.21% rewards$23MMed
MorphoSteakhouse High Yield TurboEthereum7.86%$2MMed
YearnMorpho Yearn OG USDC CompounderEthereum7.84%$6MMed
MidasTurtle Huma PST VaultEthereum7.77%$2MMed
EulerClearstar OpenEden Hybond USDCEthereum7.59% incl. 4.44% rewards$3MMed
MidasMidas Rockaway Market NeutralEthereum7.53%$7MMed
MorphoM1 USDCEthereum7.51%$8MMed
MorphoAugust USDC V2Ethereum7.43%$4MMed
Lagoon9Summits flagship USDCEthereum7.28%$4MMed
LagoonSyntropia USDCEthereum7.12%$3MMed
Upshift FinanceSentora USDEthereum7.08%$32MMed
LagoonGami USDCEthereum6.87%$7MMed
MidasMidas mEDGEEthereum6.84%$2MMed
YearnUSDC-2 yVaultEthereum6.84%$1MMed
MorphoClearstar USDC ReactorEthereum6.76%$2MHigh
EmberEmber Y10KEthereum6.70%$17MLow

Where does this yield come from?

USDC APY on Ethereum mainnet comes from the deepest lending markets in DeFi: Aave v3, Morpho curated vaults, Sky/Spark, and Compound v3. Mainnet USDC rates reflect the broadest stablecoin borrowing demand across all of DeFi.

Risk considerations

Mainnet USDC lending carries no bridge risk. Smart contract and protocol risks apply as with any DeFi lending. Established mainnet protocols have the longest track records and deepest audit coverage.

Frequently asked questions

What is the best USDC APY on Ethereum mainnet right now?

The top 7-day average USDC APY on Ethereum mainnet is currently 32.82%, from Midas Fasanara Global. Across 50 tracked mainnet USDC vaults, rates range from 6.70% to 32.82%. Data from vaults.fyi, updated daily.


Data sourced from vaults.fyi, updated daily. Last updated: July 26, 2026. Explore all vaults.