By coin
USDC deposit rates
47 USDC Earn products on centralized exchanges and DeFi. “@10k” is what you actually earn on a 10,000 USD deposit, after rate tiers and caps.
Showing every exchange and DeFi protocol, not filtered by any country’s rules. Pick the country you live in under “I am in” at the top to hide platforms not allowed to operate there and see each platform’s legal status.
Reserves are almost entirely cash, Treasury bills and repo, attested monthly; the issuer is licensed in the EU (MiCA), New York and by the OCC. The main risk is the banks holding reserves, as in the depeg to USD 0.87 when SVB collapsed in 2023.
- iThe issuer can freeze wallet addresses (usually at the request of authorities).
- iS&P Global Stablecoin Stability Assessment (2025-12): 2 on a 1–5 scale (strong). For reference only, not part of the risk tier.
USDC is holding its peg (0.9999 USD, $76.5B in circulation).
Market data as of 27/09/2026 (DefiLlama), not part of the risk tier.
This is the risk of the coin. The risk of each exchange or protocol taking the deposit is shown on each product below.
Best for a 10k USD deposit
10.98%
Gate · On-chain Earn · institutional_compound.v3
Highest rate (first tier)
10.98%
Gate · On-chain Earn · institutional_compound.v3
Highest base rate (large amounts)
6.98%
Gate · On-chain Earn · institutional_compound.v3
Best rate history by platform
Only products anyone can use (no new-user or VIP offers). End-of-day values, Vietnam time.
Current USDC promos
Very high rates with conditions: new users only, first deposit, VIP or a short window, and usually only for a small amount. Not counted in the ranking above.
USDCHTX · 7 days100.00%
Fixed 7d
New users onlyUSDCGate · Staking10.98%
On-chain Earn · institutional_compound.v3
Token rewardsLimited-time promo88 days left
USDCOKX · Flexible10.00%
Simple Earn Flexible
New users onlyUSDCNexo · 90 days8.50%
Fixed-term Savings 90d (Platinum tier: ≥10% of portfolio in NEXO)
VIP requiredUSDCNexo · Flexible6.50%
Flexible Savings (Platinum tier: ≥10% of portfolio in NEXO)
VIP requiredUSDCCrypto.com · 90 days3.50%
Crypto Earn Fixed 90d (Level Up Private)
VIP requiredAll USDC products
Click a column heading to sort. Click a product name to see its rate tiers, caps and withdrawal time.
47/47 products · How risk tiers work
| Conditions & limits | |||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gate | On-chain Earn · institutional_compound.v3One rate for any amount.
| Staking CEX · custodial | B· Medium risk | 10.98% | 6.98% | 10.98% | 10.98% | 10.98% | Token rewardsLimited-time promo Withdrawal takes about 1 days (T+1) Not confirmed whether the rate is before or after the platform’s fee 88 days left | ||||||
| Nexo | Fixed-term Savings 90d (Platinum tier: ≥10% of portfolio in NEXO)One rate for any amount.
| 90 days CEX · custodial | B· Medium risk | 8.50% | 8.50% | – | 8.50% | 8.50% | VIP required Locked 90 days | ||||||
| Bybit | On-Chain EarnOne rate for any amount.
| Staking CEX · custodial | B· Medium risk | 6.70% | 6.70% | 6.70% | 6.70% | 6.70% | Withdrawal takes about 3 days (T+3) Not confirmed whether the rate is before or after the platform’s fee | ||||||
| Nexo | Flexible Savings (Platinum tier: ≥10% of portfolio in NEXO)One rate for any amount.
| Flexible CEX · custodial | B· Medium risk | 6.50% | 6.50% | – | 6.50% | 6.50% | VIP required Withdrawal time: not published by the platform | ||||||
| Kraken | Opt-in Rewards 18 thángOne rate for any amount.
| 548 days CEX · custodial | B· Medium risk | 5.60% | 5.60% | 5.60% | 5.60% | 5.60% | Locked 548 days | ||||||
| Gate | On-chain Earn · AAVE V3One rate for any amount.
| Staking CEX · custodial | B· Medium risk | 5.36% | 5.36% | 5.36% | 5.36% | 5.36% | Withdrawal takes about 1 days (T+1) Not confirmed whether the rate is before or after the platform’s fee | ||||||
| Kraken | Opt-in Rewards 12 thángOne rate for any amount.
| 365 days CEX · custodial | B· Medium risk | 5.20% | 5.20% | 5.20% | 5.20% | 5.20% | Locked 365 days | ||||||
| Aave v3 | Aave v3 · Ethereum · UmbrellaOne rate for any amount.
| Flexible DeFi · smart contract | A· Lower risk | 5.12% | 3.52% | 5.12% | 5.12% | 5.12% | Token rewards Withdraw any time if the pool has enough liquidity | ||||||
| Maple | Maple · Ethereum · Syrup USDCOne rate for any amount.
| Flexible DeFi · smart contract | B· Medium risk | 5.04% | 5.04% | 5.04% | 5.04% | 5.04% | Withdraw any time if the pool has enough liquidity | ||||||
| Bybit | On-Chain Earn (USDE) (USDE)product 1One rate for any amount.
| Staking CEX · custodial | B· Medium risk | 5.00% | 5.00% | – | 5.00% | 5.00% | Withdrawal takes about 1 days (T+1) Not confirmed whether the rate is before or after the platform’s fee | ||||||
| Bybit | On-Chain Earn (USDE) (USDE)product 2One rate for any amount.
| Staking CEX · custodial | B· Medium risk | 5.00% | 5.00% | – | 5.00% | 5.00% | Withdrawal takes about 1 days (T+1) Not confirmed whether the rate is before or after the platform’s fee | ||||||
| Kraken | Opt-in Rewards 6 thángOne rate for any amount.
| 183 days CEX · custodial | B· Medium risk | 4.90% | 4.90% | 4.90% | 4.90% | 4.90% | Locked 183 days | ||||||
| Kraken | Opt-in Rewards 3 thángOne rate for any amount.
| 91 days CEX · custodial | B· Medium risk | 4.75% | 4.75% | 4.75% | 4.75% | 4.75% | Locked 91 days | ||||||
| Fluid | Fluid · EthereumOne rate for any amount.
| Flexible DeFi · smart contract | B· Medium risk | 4.22% | 4.22% | 4.22% | 4.22% | 4.22% | Withdraw any time if the pool has enough liquidity | ||||||
| Fluid | Fluid · ArbitrumOne rate for any amount.
| Flexible DeFi · smart contract | B· Medium risk | 4.03% | 4.03% | 4.03% | 4.03% | 4.03% | Withdraw any time if the pool has enough liquidity | ||||||
| Kraken | Opt-in Rewards FlexibleOne rate for any amount.
| Flexible CEX · custodial | B· Medium risk | 4.00% | 4.00% | 4.00% | 4.00% | 4.00% | Withdrawal time: not published by the platform | ||||||
| Compound v3 | Compound v3 · EthereumOne rate for any amount.
| Flexible DeFi · smart contract | A· Lower risk | 3.92% | 3.92% | 3.92% | 3.92% | 3.92% | Withdraw any time if the pool has enough liquidity | ||||||
| Gate | On-chain Earn · SparkOne rate for any amount.
| Staking CEX · custodial | B· Medium risk | 3.54% | 3.54% | 3.54% | 3.54% | 3.54% | Withdrawal takes about 1 days (T+1) Not confirmed whether the rate is before or after the platform’s fee | ||||||
| Spark Savings | Spark Savings · EthereumOne rate for any amount.
| Flexible DeFi · smart contract | A· Lower risk | 3.54% | 3.54% | 3.54% | 3.54% | 3.54% | Withdraw any time if the pool has enough liquidity | ||||||
| Coinbase | USDC RewardsOne rate for any amount.
| Flexible CEX · custodial | C· Higher risk | 3.54% | 3.54% | 3.54% | 3.54% | 3.54% | Withdrawal time: not published by the platform | ||||||
| Aave v3 | Aave v3 · EthereumOne rate for any amount.
| Flexible DeFi · smart contract | A· Lower risk | 3.52% | 3.52% | 3.52% | 3.52% | 3.52% | Withdraw any time if the pool has enough liquidity | ||||||
| OKX | Simple Earn Flexible (market rate)One rate for any amount.
| Flexible CEX · custodial | B· Medium risk | 3.50% | 3.50% | 3.50% | 3.50% | 3.50% | Withdrawal time: not published by the platform | ||||||
| Crypto.com | Crypto Earn Fixed 90d (Level Up Private)One rate for any amount.
| 90 days CEX · custodial | C· Higher risk | 3.50% | 3.50% | 3.50% | 3.50% | 3.50% | VIP required Locked 90 days | ||||||
| Luno | USDC Earn (chỉ Nam Phi)One rate for any amount.
| Flexible CEX · custodial | B· Medium risk | 3.44% | 3.44% | 3.44% | 3.44% | 3.44% | Withdrawal time: not published by the platform | ||||||
| Gate | On-chain Earn · Compound V3One rate for any amount.
| Staking CEX · custodial | B· Medium risk | 3.04% | 3.04% | 3.04% | 3.04% | 3.04% | Withdrawal takes about 1 days (T+1) Not confirmed whether the rate is before or after the platform’s fee | ||||||
| Crypto.com | Crypto Earn Fixed 90d (Level Up Pro)One rate for any amount.
| 90 days CEX · custodial | C· Higher risk | 3.00% | 3.00% | 3.00% | 3.00% | 3.00% | VIP required Locked 90 days | ||||||
| Gate | On-chain Earn · AAVE V3(ARB)One rate for any amount.
| Staking CEX · custodial | B· Medium risk | 2.94% | 2.94% | 2.94% | 2.94% | 2.94% | Withdrawal takes about 1 days (T+1) Not confirmed whether the rate is before or after the platform’s fee | ||||||
| Aave v3 | Aave v3 · ArbitrumOne rate for any amount.
| Flexible DeFi · smart contract | A· Lower risk | 2.94% | 2.94% | 2.94% | 2.94% | 2.94% | Withdraw any time if the pool has enough liquidity | ||||||
| Gate | Simple Earn FlexibleOne rate for any amount.
| Flexible CEX · custodial | B· Medium risk | 2.54% | 2.54% | 2.54% | 2.54% | 2.54% | Withdrawal time: not published by the platform | ||||||
| Bitget | Savings Flexible
| Flexible CEX · custodial | B· Medium risk | 6.66% | 2.16% | 3.51% | 2.30% | 2.17% | Withdrawal time: not published by the platform High rate only for the first 300 USDC | ||||||
| Bitget | Savings Flexible · VIPOne rate for any amount.
| Flexible CEX · custodial | B· Medium risk | 2.28% | 2.28% | 2.28% | 2.28% | 2.28% | VIP required Withdrawal time: not published by the platform | ||||||
| Binance | Simple Earn Flexible
| Flexible CEX · custodial | A· Lower risk | 7.01% | 2.01% | 3.51% | 2.16% | 2.03% | Withdrawal time: not published by the platform High rate only for the first 300 USDC | ||||||
| Bybit | Flexible Savings
| Flexible CEX · custodial | B· Medium risk | 4.98% | 1.98% | 2.58% | 2.04% | 1.99% | Withdrawal time: not published by the platform High rate only for the first 200 USDC | ||||||
| KuCoin | Simple Earn Fixed 14dOne rate for any amount.
| 14 days CEX · custodial | B· Medium risk | 2.00% | 2.00% | 2.00% | 2.00% | 2.00% | Locked 14 days | ||||||
| Crypto.com | Crypto Earn Fixed 90d (Level Up Plus)One rate for any amount.
| 90 days CEX · custodial | C· Higher risk | 2.00% | 2.00% | 2.00% | 2.00% | 2.00% | VIP required Locked 90 days | ||||||
| Crypto.com | Crypto Earn Fixed 30d (Level Up Private)One rate for any amount.
| 30 days CEX · custodial | C· Higher risk | 2.00% | 2.00% | 2.00% | 2.00% | 2.00% | VIP required Locked 30 days | ||||||
| Crypto.com | Crypto Earn Fixed 30d (Level Up Pro)One rate for any amount.
| 30 days CEX · custodial | C· Higher risk | 1.50% | 1.50% | 1.50% | 1.50% | 1.50% | VIP required Locked 30 days | ||||||
| HTX | Flexible SavingsOne rate for any amount.
| Flexible CEX · custodial | C· Higher risk | 1.10% | 1.10% | 1.10% | 1.10% | 1.10% | Withdrawal time: not published by the platform | ||||||
| MEXC | Flexible Savings
| Flexible CEX · custodial | C· Higher risk | 6.00% | 1.00% | 2.00% | 1.10% | 1.01% | Withdrawal time: not published by the platform High rate only for the first 200 USDC | ||||||
| Crypto.com | Crypto Earn Flexible (Level Up Private)One rate for any amount.
| Flexible CEX · custodial | C· Higher risk | 1.00% | 1.00% | 1.00% | 1.00% | 1.00% | VIP required Withdrawal time: not published by the platform | ||||||
| Crypto.com | Crypto Earn Flexible (Level Up Pro)One rate for any amount.
| Flexible CEX · custodial | C· Higher risk | 0.75% | 0.75% | 0.75% | 0.75% | 0.75% | VIP required Withdrawal time: not published by the platform | ||||||
| Crypto.com | Crypto Earn Flexible (Level Up Plus)One rate for any amount.
| Flexible CEX · custodial | C· Higher risk | 0.50% | 0.50% | 0.50% | 0.50% | 0.50% | VIP required Withdrawal time: not published by the platform | ||||||
| Crypto.com | Crypto Earn Fixed 30d (Level Up Plus)One rate for any amount.
| 30 days CEX · custodial | C· Higher risk | 0.50% | 0.50% | 0.50% | 0.50% | 0.50% | VIP required Locked 30 days | ||||||
| KuCoin | Simple Earn FlexibleOne rate for any amount.
| Flexible CEX · custodial | B· Medium risk | 0.16% | 0.16% | 0.16% | 0.16% | 0.16% | Withdrawal time: not published by the platform | ||||||
| OKX | Simple Earn FlexibleOne rate for any amount.
| Flexible CEX · custodial | B· Medium risk | 10.00% | 10.00% | – | – | – | New users only Withdrawal time: not published by the platform | ||||||
| HTX | Fixed 7dOne rate for any amount.
| 7 days CEX · custodial | C· Higher risk | 100.00% | 100.00% | – | – | – | New users only Locked 7 days | ||||||
| Jupiter Lend | Jupiter Lend · Solana · EarnOne rate for any amount.
Paused / quota full | Flexible DeFi · smart contract | B· Medium risk | 4.91% | 4.53% | 4.91% | 4.91% | 4.91% | Token rewards Withdraw any time if the pool has enough liquidity |