USDC on Aave X Layer

Live USDC (USDC) rates on the Aave V3 X Layer 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

2.93%

earned by suppliers

Borrow APY, variable

4.09%

paid by borrowers

Total supplied

$13.59M

13.59M USDC

Total borrowed

$10.89M

10.89M USDC

Utilization

80.1%

share of supply that is lent out

Available to borrow

$2.70M

oracle price $0.9999

USDC supply and borrow APY history

Daily averages published by Aave's API

Risk settings

Can be used as collateral	Yes
Max loan-to-value (LTV)	75.00%
Liquidation threshold	78.00%
Liquidation penalty	7.50%
Reserve factor	10.00%
Flash loans	Enabled
Supply cap used	13.59M of 35.00M USDC (38.8%)
Borrow cap used	10.89M of 32.00M USDC (34.0%)

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

Contracts

USDC token	0xB6CE…3061
aToken (aXlrUSDC)	0x7Da9…3414
Variable debt token	0x585E…465A
Price oracle	0x26AD…F6cC
Interest rate strategy	0x3eFf…c05B
Pool	0xE3F3…f116

Links open the X Layer block explorer.

USDC utilization and interest rate curve

Utilization is 80.1% 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 44.50% 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 (5)	Max LTV	Liquidation threshold	Penalty	As collateral	Borrowable
xBTC__Stablecoins	78.00%	81.00%	6.00%	No	Yes
xETH__Stablecoins	78.00%	80.00%	6.00%	No	Yes
xSOL__Stablecoins	65.00%	70.00%	7.50%	No	Yes
WOKB__Stablecoins	50.00%	55.00%	10.00%	No	Yes
PT_USDG__Stablecoins	92.66%	94.66%	2.34%	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%