USDC yield, stablecoin APY: the best stablecoin lending and vault yields now

$0.01 per call · failed calls are never charged · no account or subscription: pay per call with a card key or USDC

USDC yield right now: the best stablecoin APY across DeFi lending, vault and LP pools (Aave, Morpho, Compound, Pendle and more) on Ethereum, Base, Arbitrum, Solana and other chains, with APY base and reward, 30-day mean, TVL, exposure and risk flags, from DefiLlama. Filter by chain, protocol or another stablecoin (USDT, DAI). Use to find where an agent can earn yield on USDC or any stablecoin. Not investment advice.

Run it free (25 free calls) Buy credits by card (from $1) Example result (JSON)

Try it with your own inputs

Stablecoin symbol (default USDC): USDC, USDT, DAI, USDe…

Uses one of your 25 free calls. Nothing is charged, and a call that fails is not counted.

Inputs

NameTypeDescription
symbolstringStablecoin symbol (default USDC): USDC, USDT, DAI, USDe…
chainstringChain name(s), comma-separated: Ethereum, Base, Arbitrum, Solana…
projectstringProtocol slug(s): aave-v3, morpho-blue, compound-v3, pendle…
minTvlnumberMinimum pool TVL in USD (default 1,000,000)
limitintegerNumber of pools (1-50, default 20)

Request

Over HTTP, with a card key from /credits:

curl -H "Authorization: Bearer adt_…" "https://tools.funwords.eu/defi/usdc-yield?symbol=USDC"

Or one of your 25 free calls, no key:

curl "https://tools.funwords.eu/defi/usdc-yield?symbol=USDC&trial=1"

Without a key, the same URL answers 402 Payment Required with x402 and MPP terms, so an agent with a wallet pays per call in USDC (Base, Polygon, Arbitrum or Solana over x402; Base or Tempo over MPP) and retries.

Live result

The real answer to the request above, read 2026-11-10 14:43 UTC and refreshed every 15 minutes.

{
  "count": 20,
  "matched": 278,
  "sort": "apy",
  "pools": [
    {
      "chain": "Ethereum",
      "project": "ember",
      "symbol": "USDC",
      "meta": "Enigma ONE USD",
      "tvlUsd": 1335502,
      "apy": 126.04,
      "apyBase": 126.04,
      "apyReward": null,
      "apyMean30d": 3.38,
      "apyChange": {
        "d1": 126.04,
        "d7": 126.04,
        "d30": 126.04
      },
      "stablecoin": true,
      "impermanentLossRisk": "no",
      "exposure": "single",
      "outlook": "Down",
      "poolId": "995ce0e4-0cfe-59b4-92fb-aba55799b82e",
      "url": "https://defillama.com/yields/pool/995ce0e4-0cfe-59b4-92fb-aba55799b82e"
    },
    {
      "chain": "Base",
      "project": "veranta",
      "symbol": "USDC",
      "meta": "vault",
      "tvlUsd": 9657114,
      "apy": 27.94,
      "apyBase": 27.94,
      "apyReward": null,
      "apyMean30d": 25.01,
      "apyChange": {
        "d1": -0.11,
        "d7": 2.21,
        "d30": 10.19
      },
      "stablecoin": true,
      "impermanentLossRisk": "no",
      "exposure": "single",
      "outlook": "Down",
      "poolId": "ae3397ed-1f0f-4aa4-ab62-44413ea8cd9e",
      "url": "https://defillama.com/yields/pool/ae3397ed-1f0f-4aa4-ab62-44413ea8cd9e"
    },
    {
      "chain": "Hyperliquid L1",
      "project": "hyperliquid-hlp",
      "symbol": "USDC",
      "meta": "4-day lockup",
      "tvlUsd": 149369277,
      "apy": 25.31,
      "apyBase": 25.31,
      "apyReward": null,
      "apyMean30d": 3.95,
      "apyChange": {
        "d1": 0.37,
        "d7": 25.31,
        "d30": null
      },
      "stablecoin": true,
      "impermanentLossRisk": "no",
      "exposure": "single",
      "outlook": "Down",
      "poolId": "c676790b-ba37-5aa8-9ccf-d9a533daafdc",
      "url": "https://defillama.com/yields/pool/c676790b-ba37-5aa8-9ccf-d9a533daafdc"
    },
    {
      "chain": "Base",
      "project": "harvest-finance",
      "symbol": "USDC",
      "meta": "40 Acres",
      "tvlUsd": 1744214,
      "apy": 24.96,
      "apyBase": 24.96,
      "apyReward": null,
      "apyMean30d": 25.86,
      "apyChange": {
        "d1": -0.02,
        "d7": 2.42,
        "d30": 0.19
      },
      "stablecoin": true,
      "impermanentLossRisk": "no",
      "exposure": "single",
      "outlook": "Down",
      "poolId": "062ba2ef-c132-4989-8e67-0ea2ebd37888",
      "url": "https://defillama.com/yields/pool/062ba2ef-c132-4989-8e67-0ea2ebd37888"
    },
    {
      "chain": "Ethereum",
      "project": "ensuro",
      "symbol": "USDC",
      "meta": "Senior Pool",
      "tvlUsd": 1384802,
      "apy": 20.78,
      "apyBase": 20.78,
      "apyReward": null,
      "apyMean30d": 23.01,
      "apyChange": {
        "d1": -6.28,
        "d7": -14.11,
        "d30": 0.72
      },
      "stablecoin": true,
      "impermanentLossRisk": "no",
      "exposure": "single",
      "outlook": "Down",
      "poolId": "d8085c9e-5a63-441e-a96f-80f128c04f49",
      "url": "https://defillama.com/yields/pool/d8085c9e-5a63-441e-a96f-80f128c04f49"
    },
    {
      "chain": "Solana",
      "project": "neutral-trade",
      "symbol": "USDC",
      "meta": "Options Market Making",
      "tvlUsd": 2149472,
      "apy": 20.66,
      "apyBase": 20.66,
      "apyReward": null,
      "apyMean30d": 8.6,
      "apyChange": {
        "d1": 5.3,
        "d7": 19.2,
        "d30": -15.41
      },
      "stablecoin": true,
      "impermanentLossRisk": "no",
      "exposure": "single",
      "outlook": "Down",
      "poolId": "1235362d-503d-5fe4-800c-0121b5f1048c",
      "url": "https://defillama.com/yields/pool/1235362d-503d-5fe4-800c-0121b5f1048c"
    },
    {
      "chain": "Ethereum",
      "project": "ember",
      "symbol": "USDC",
      "meta": "Pharos Alpha",
      "tvlUsd": 2630904,
      "apy": 20.33,
      "apyBase": 20.33,
      "apyReward": null,
      "apyMean30d": 12.88,
      "apyChange": {
        "d1": 7.83,
        "d7": 3.98,
        "d30": 7.43
      },
      "stablecoin": true,
      "impermanentLossR
…

From an AI agent (MCP)

Add the MCP server to Claude, Cursor or any MCP client. This tool is defi_usdc_yield, and the first 25 successful calls are free:

https://tools.funwords.eu/mcp

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