USDC on Aave Optimism❄ Frozen

Live USD Coin (USDC.e) (USDC) rates on the Aave V3 Optimism 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

0.17%

earned by suppliers

Borrow APY, variable

2.76%

borrowing is off

Total supplied

$1.21M

1.21M USDC

Total borrowed

$297K

297.38K USDC

Utilization

24.5%

share of supply that is lent out

Available to borrow

$916K

oracle price $1.0000

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	75.00%
Flash loans	Enabled
Supply cap used	1.21M of 1.00 USDC (121371260.7%)

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

Contracts

USDC token	0x7F5c…1607
aToken (aOptUSDC)	0x625E…b4cD
Variable debt token	0xFCCf…C989
Price oracle	0x6379…e201
Interest rate strategy	0x9359…bed1
Pool	0x794a…14aD

Links open the Optimism block explorer.

USDC utilization and interest rate curve

Utilization is 24.5% 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.

E-Mode categories that include USDC

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

Category (1)	Max LTV	Liquidation threshold	Penalty	As collateral	Borrowable
Stablecoins	0.01%	87.00%	1.00%	Yes	No

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%