USDC 7 offers 5 providers updated 27 August 2026 at 10:26
Compare USDC staking rewards Technically, USDC staking is not staking. You deposit your USDC with a provider and earn interest or another reward in return. The 7 offers from 5 providers below therefore involve counterparty risk rather than validator rewards from the USDC network. You may also see USDC referred to as USD Coin.
USDC rates range from 1.03% to 4.38%, a difference of 3.35 percentage points. The median across the 7 offers is 3.34%, while Morpho has the highest listed return.
Compare 7 USDC offers from 5 providers in one table. Each row combines the rate with its product type and conditions, so you can see whether a higher return comes from staking, a protocol or a lending product before choosing a provider.
Enter your deposit at the top right of the table. The calculation applies minimum and maximum deposit limits, so it reflects the amount that can actually earn a return.
| Terms | |||||
|---|---|---|---|---|---|
 Morpho DeFi Morpho Steakhouse Prime Instant | DeFi lending | Withdrawable daily | 4.38% estimated rate | 0.0438 USDC | Visit Morpho |
 Compound DeFi Compound v3 USDC | DeFi lending | Withdrawable daily | 3.84% estimated rate | 0.0384 USDC | Visit Compound |
 Aave DeFi Aave v3 USDC | DeFi lending | Withdrawable daily | 3.61% estimated rate | 0.0361 USDC | Visit Aave |
 OKX MiCA Spark (Ethereum) | DeFi | Withdrawable daily | 3.34% estimated rate | 0.0334 USDC | Visit OKX €10 in free BTC |
 Bybit MiCA FixedTermSaving | Lending | Fixed for 30 days · min. 1.000 · max. 500,000 | 2.00% fixed rate | 0.0200 USDC | Visit Bybit $50 in free USDC |
| Bybit MiCA FixedTermSaving | Lending | Fixed for 10 days · min. 1.000 · max. 500,000 | 1.50% fixed rate | 0.0150 USDC | Visit Bybit $50 in free USDC |
| Bybit MiCA FlexibleSaving | Lending | Withdrawable daily · min. 10.000 · max. 100,000,000 | 1.03% converted from APR | 0.0103 USDC | Visit Bybit $50 in free USDC |
Up to this is the maximum rate and only applies when you meet specific conditions.
From this is the lower end of a range; your actual rate may be higher.
Converted the provider publishes APR; we convert it to APY to make the rates comparable.
Bybit AT MiCA 73 lending
OKX MT MiCA 8 staking2 lending
Morpho DeFi 1 lending
Compound DeFi 1 lending
Aave DeFi 1 lending
These figures cover each provider's full product range, not only the coin on this page.
Rates for USDC differ between providers. This chart places all 7 offers from 5 providers on one scale, with the highest rate at 4.38%. A higher percentage does not automatically make an offer more suitable or less risky.
Staking Liquid staking Lending Highest
What would a 4.38% rate mean for your USDC position? Enter an amount of USDC or a value in euros to compare the estimated return from each offer. The calculation assumes the rate and coin price remain unchanged.
Technically, USDC staking does not exist at network level. USDC uses a mechanism other than Proof of Stake, so you cannot lock USDC to validate transactions and receive network staking rewards. The rates on this page therefore come from interest products funded by a provider.
USDC has no on-chain network staking: the network does not pay rewards to holders. Every displayed rate is funded by a provider, so the network staking category does not apply and counterparty risk becomes central.
Your coins help secure a network and the reward comes from that network. The main additional risks are slashing and the failure of any company holding your coins in custody. More about on-chain staking.
You deposit into a protocol and receive a tradable token representing the staked position. This adds smart contract, liquidity and depeg risk to the underlying staking risk. More about liquid staking.
This is not staking. You lend your coins to a provider, which pays interest from its own resources. If the provider fails, you may be an unsecured creditor and could lose the full deposit. More about lending.
Compare current staking rewards and interest rates for other cryptoassets. Each coin page shows the available providers, rates and the product behind the return.
 BitcoinBTC | Lending | bij Nexo | 5.70% |
 EthereumETH | Lending | bij Nexo | 6.25% |
 BNBBNB | Lending | bij Nexo | 7.00% |
 XRPXRP | Lending | bij Nexo | 8.25% |
 SolanaSOL | Lending | bij Nexo | 8.00% |
 TRONTRX | Lending | bij Nexo | 11.00% |
 HyperliquidHYPE | Lending | bij Bybit | 3.00% |
 DogecoinDOGE | Lending | bij Bybit | 3.00% |
USDC is a digital dollar issued by Circle on several blockchains. The token is not its own Proof of Stake network and has no validators to which USDC can be delegated. Holding USDC in a wallet therefore does not create native staking rewards.
Running USDC on Ethereum, Solana or another Proof of Stake chain does not change this. The native coin secures that blockchain: ETH on Ethereum and SOL on Solana. USDC uses those networks for transfers but does not participate in validator selection with its own balance.
A provider paying a return on USDC generally uses one of these routes:
Each can produce a periodic payment. None becomes staking because of that. With central lending, you hold a claim against a company. With DeFi, you rely on smart contracts, collateral, price oracles and available liquidity.
Using your own wallet does not automatically remove those dependencies. Once USDC is deposited into a contract, repayment depends on that contract and protocol. You control the wallet key, but may no longer have immediately available USDC.
Circle publishes the official contract address for each supported network. Tokens with a similar name or bridged ticker are not necessarily native Circle USDC. Verify both the network and contract against the official USDC contract list before transferring funds.
For a return product, ask a second question: who must return the USDC? Circle as issuer is separate from the exchange, lending protocol or bridge in which you use the token. Circle’s reserves do not automatically cover a loan to another company.
StakingRewards.eu focuses on USDC for European users. Read lending versus staking for the credit and smart contract risks behind a stablecoin rate. Circle’s official documentation explains what USDC is.
We collect rates directly from providers through their APIs or official websites and check them daily. Every rate shows when it was last checked. Providers can change terms without notice, so confirm the current rate before depositing.
Crypto returns are never guaranteed. On-chain staking can involve slashing, liquid staking adds smart contract and depeg risk, and lending can expose your entire deposit if a provider fails. In every category, a fall in the coin price can exceed the rewards earned.
StakingRewards.eu compares and explains; it does not provide investment advice. Some links are affiliate links, which may earn us a fee. This does not affect the table order, which is based on the displayed rate.