USDC on Aave BNB Chain

Live USD Coin (USDC) rates on the Aave V3 BNB Chain market: what suppliers earn, what borrowers pay, how much is available, and the settings that decide both.

Data from Aave's API · updated 2026-11-08 04:21 UTC

Supply APY

4.91%

earned by suppliers

Borrow APY, variable

6.00%

paid by borrowers

Total supplied

$12.72M

12.72M USDC

Total borrowed

$11.62M

11.62M USDC

Utilization

91.3%

share of supply that is lent out

Available to borrow

$1.10M

oracle price $0.9998

USDC supply and borrow APY history

Averages published by Aave's API

Risk settings

Can be used as collateral	No
Max loan-to-value (LTV)	–
Liquidation threshold	–
Liquidation penalty	–
Reserve factor	10.00%
Flash loans	Enabled
Supply cap used	12.72M of 21.00M USDC (60.6%)
Borrow cap used	11.62M of 18.90M USDC (61.5%)

New to these terms? Read health factor explained and supply and borrow caps.

Contracts

USDC token	0x8AC7…580d
aToken (aBnbUSDC)	0x0090…7d61
Variable debt token	0xcDBB…c68d
Price oracle	0x9102…902C
Interest rate strategy	0x86AB…bDC5
Pool	0x6807…e0cB

Links open the BSC block explorer.

USDC utilization and interest rate curve

Utilization is 91.3% right now. The chart shows how the rate responds as more of the supply gets borrowed.

Borrow APR Supply APR

Up to 90% utilization the borrow rate climbs gently from 0.00% to 4.50%. Past that point it climbs steeply, reaching 14.50% when everything is lent out. How Aave interest rates work.

About USDC on Aave BNB Chain

USD Coin (USDC) is listed on the Aave V3 BNB Chain market on BSC. Lenders have supplied $12.72M (12.72M USDC) and borrowers owe $11.62M, so 91.3% of the pool is lent out and $1.10M is left to borrow. The supply cap is 61% used.

Suppliers earn 4.91% a year, and variable-rate borrowers pay 6.00%. The rate follows utilization: up to 90% the borrow rate rises gently from 0.00% to 4.50%, and above that it climbs steeply to 14.50% when everything is lent out. At 91.3% now, the pool is above that point, so the rate can jump quickly if more is borrowed. Aave keeps 10% of the interest as its reserve factor.

USDC cannot be used as collateral on this market. The best USDC supply rate elsewhere on Aave is 9.47% on Linea. The cheapest place to borrow it is the Arc Main spoke (V4) at 3.42%. Compare USDC rates on every Aave market.

Among the 22 Aave markets with at least $1M of USDC supplied, this one pays the 5th highest supply rate. Its borrow rate is the 21st lowest of the 25 markets with at least $250K of USDC to lend. A week ago suppliers earned 3.50% and borrowers paid 4.47%, with 87.4% of the pool lent out. Over the past 30 days, the supply rate ranged from 2.98% to 5.16%, and the borrow rate from 4.08% to 6.29% (one reading a day).