USDC on Aave Gnosis

Q: What is the USDC supply APY on Aave Gnosis?

<0.01% a year right now. It is paid out of what borrowers pay and changes with every deposit, loan and repayment.

Q: What is the USDC borrow rate on Aave Gnosis?

The variable borrow APY is 1.04%. It rises with utilization, now 9.3%.

Q: Can I use USDC as collateral on Aave Gnosis?

No, USDC is not accepted as collateral on this market, although it can still be supplied to earn interest.

Q: How much USDC can be borrowed on Aave Gnosis right now?

None. USDC is frozen here: no new deposits or loans, only repayments and withdrawals.

Q: Where else can I supply or borrow USDC on Aave?

The best supply rate is 9.47% on Linea. The cheapest borrow rate is 3.42% on the Arc Main spoke (V4). Only markets with real liquidity are counted.

❄ Frozen

Live USD//C on xDai (USDC) rates on the Aave V3 Gnosis 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 04:27 UTC

Supply APY

<0.01%

earned by suppliers

Borrow APY, variable

1.04%

paid by borrowers

Total supplied

$137K

137.12K USDC

Total borrowed

$12.8K

12.77K USDC

Utilization

9.3%

share of supply that is lent out

Available to borrow

frozen

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	99.00%
Flash loans	Enabled
Supply cap used	Full: 137.12K USDC against a cap of 1.00, so no new deposits
Borrow cap used	Full: 12.77K USDC against a cap of 1.00, so no new loans

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

Contracts

USDC token	0xDDAf…7A83
aToken (aGnoUSDC)	0xc6B7…D284
Variable debt token	0x5F6f…Ff4d
Price oracle	0x1450…fAE2
Interest rate strategy	0x4cE4…8b44
Pool	0xb502…26D8

Links open the Gnosis block explorer.

USDC utilization and interest rate curve

Utilization is 9.3% 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 10.00%. Past that point it climbs steeply, reaching 50.00% when everything is lent out. How Aave interest rates work.

About USDC on Aave Gnosis

USD//C on xDai (USDC) is listed on the Aave V3 Gnosis market. Lenders have supplied $137K (137.12K USDC) and borrowers owe $12.8K, so 9.3% of the pool is lent out. USDC is frozen here: no new deposits or loans, only repayments and withdrawals. The supply cap is full, so no new deposits are accepted.

Suppliers earn <0.01% a year, and variable-rate borrowers pay 1.04%. The rate follows utilization: up to 90% the borrow rate rises gently from 0.00% to 10.00%, and above that it climbs steeply to 50.00% when everything is lent out. At 9.3% now, the pool is below that point. Aave keeps 99% 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.

A week ago suppliers earned <0.01% and borrowers paid 1.04%, with 9.3% of the pool lent out. Over the past 30 days, the borrow rate held at 1.04% (one reading a day).