USDC on Aave zkSync Era

❄ Frozen

Live USDC rates on the Aave V3 zkSync Era 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

0.44%

earned by suppliers

Borrow APY, variable

64.87%

paid by borrowers

Total supplied

$122K

122.46K USDC

Total borrowed

$108K

108.47K USDC

Utilization

100.0%

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
Isolation mode debt ceiling	$0 of $0
Supply cap used	Full: 122.46K USDC against a cap of 1.00, so no new deposits
Borrow cap used	Full: 108.47K 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	0x1d17…38D4
aToken (aZksUSDC)	0xE977…fbDb
Variable debt token	0x0049…25B9
Price oracle	0x22A4…1222
Interest rate strategy	0x5781…D237
Pool	0x78e3…c43c

Links open the zkSync block explorer.

USDC utilization and interest rate curve

Utilization is 100.0% 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 5.00% 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 zkSync Era

USDC is listed on the Aave V3 zkSync Era market on zkSync. Lenders have supplied $122K (122.46K USDC) and borrowers owe $108K, so 100.0% 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 0.44% a year, and variable-rate borrowers pay 64.87%. The rate follows utilization: up to 90% the borrow rate rises gently from 5.00% to 10.00%, and above that it climbs steeply to 50.00% when everything is lent out. At 100.0% now, the pool is above that point, so the rate can jump quickly if more is borrowed. 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 0.44% and borrowers paid 64.75%, with 100.0% of the pool lent out. Over the past 30 days, the supply rate held at 0.44%, and the borrow rate ranged from 64.75% to 64.87% (one reading a day).