USDC on Aave X Layer

Live 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 2026-11-08 04:27 UTC

Supply APY

2.91%

earned by suppliers

Borrow APY, variable

4.08%

paid by borrowers

Total supplied

$14.96M

14.97M USDC

Total borrowed

$11.96M

11.96M USDC

Utilization

79.9%

share of supply that is lent out

Available to borrow

$3.01M

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	14.97M of 35.00M USDC (42.8%)
Borrow cap used	11.96M of 32.00M USDC (37.4%)

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 79.9% 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 24.50% 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 (7)	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
PT_USDG_25FEB2027__Stablecoins	92.37%	94.37%	2.59%	No	Yes
USDe__Stablecoins	91.00%	93.00%	2.00%	No	Yes

About USDC on Aave X Layer

USDC is listed on the Aave V3 X Layer market. Lenders have supplied $14.96M (14.97M USDC) and borrowers owe $11.96M, so 79.9% of the pool is lent out and $3.01M is left to borrow. The supply cap is 43% used.

Suppliers earn 2.91% a year, and variable-rate borrowers pay 4.08%. 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 24.50% when everything is lent out. At 79.9% now, the pool is below that point. 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 19th highest supply rate. Its borrow rate is the 8th lowest of the 25 markets with at least $250K of USDC to lend. A week ago suppliers earned 2.97% and borrowers paid 4.11%, with 80.6% of the pool lent out. Over the past 30 days, the supply rate ranged from 0.28% to 4.74%, and the borrow rate from 1.26% to 5.84% (one reading a day).