USDC on Aave Ethereum Prime

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

Data from Aave's API · updated 2026-09-21 08:51 UTC

Supply APY

3.26%

earned by suppliers

Borrow APY, variable

4.73%

paid by borrowers

Total supplied

$5.07M

5.07M USDC

Total borrowed

$3.92M

3.92M USDC

Utilization

77.3%

share of supply that is lent out

Available to borrow

$1.15M

oracle price $0.9999

USDC supply and borrow APY history

Daily 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	5.07M of 25.00M USDC (20.3%)
Borrow cap used	3.92M of 22.50M USDC (17.4%)

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

Contracts

USDC token	0xA0b8…eB48
aToken (aEthLidoUSDC)	0x2A1F…79b8
Variable debt token	0xeD90…dc9F
Price oracle	0x3f73…095B
Interest rate strategy	0x8958…f2fa
Pool	0x4e03…58B1

Links open the Ethereum block explorer.

USDC utilization and interest rate curve

Utilization is 77.3% right now. The chart shows how the rate responds as more of the supply gets borrowed.

Borrow APR Supply APR

Up to 92% utilization the borrow rate climbs gently from 0.00% to 5.50%. Past that point it climbs steeply, reaching 40.50% when everything is lent out. How Aave interest rates work.

E-Mode categories that include USDC

Efficiency mode raises borrowing power between closely related assets. E-Mode explained.

Category (3)	Max LTV	Liquidation threshold	Penalty	As collateral	Borrowable
LRT Stablecoins main	75.00%	78.00%	7.50%	No	Yes
sUSDe Stablecoins	90.00%	92.00%	4.00%	No	Yes
rsETH/Stablecoins	72.00%	75.00%	7.50%	No	Yes

USDC on other Aave markets

The same asset, different rates

Compare all →

Market	Total supplied	Supply APY	Total borrowed	Borrow APY	Utilization
Ethereum CoreUSDC · $2.38B	$2.38B2.38B USDC	3.60%	$2.18B2.18B USDC	4.38%	91.6%
BaseUSDC · $181.8M	$181.8M181.86M USDC	3.70%	$159.8M159.80M USDC	4.70%	87.9%
ArbitrumUSDC · $181.2M	$181.2M181.19M USDC	2.93%	$153.9M153.89M USDC	3.85%	84.9%
MonadUSDC · $163.9M	$163.9M163.94M USDC	3.77%	$142.6M142.61M USDC	4.84%	87.0%
Arc MainV4USDC · $124.8M	$124.8M124.86M USDC	<0.01%	$1.16M1.16M USDC	0.04%base rate	0.9%
InkUSDC · $67.09M	$67.09M67.10M USDC	4.27%	$49.45M49.45M USDC	6.50%	73.7%
AvalancheUSDC · $63.62M	$63.62M63.63M USDC	3.47%	$55.99M55.99M USDC	4.40%	88.0%
PolygonUSDC · $28.12M	$28.12M28.12M USDC	3.32%	$17.96M17.97M USDC	6.60%	63.9%