Yield Alpha
USDC lending rates vary because each market has different borrower demand, liquidity, incentives, and risk. Yield.ly separates base yield from token rewards so the headline APY is easier to judge.
Direct answer
If you currently earn near 3.98% APY on USDC, the strongest live alternative on Yield.ly is WETH · Uniswap V3 · Ethereum at 15.29% APY with a modeled net Yield Alpha of +212 USD over 30 days on $25,000 after labeled switching-cost estimates (decision: WATCH).
Details → · Yields are variable. Switching costs are labeled estimates.
Baseline assumes you currently earn near the live median 3.98% APY across 45 qualified USDC opportunities. Principal modeled at $25,000 over 30 days. Run your own numbers.
Top modeled alternative
Positive edge exists but alternative durability (15/100) is below 40.
Net Yield Alpha
$211.61
Alt APY
15.29%
Durability
| Opportunity | APY | 7d / 30d | TVL | $1k / $10k / $100k yr |
|---|---|---|---|---|
WETH · Uniswap V3 · Ethereum Durability 15/100 | 15.29% | 48.54% / 48.46% | $111.9M | $152.85 · $1,528.51 · $15,285.06 |
USDC · Euler · Monad Durability 85/100 | 7.62% | 7.74% / 7.76% | $5.8M | $76.22 · $762.25 · $7,622.46 |
USDC · Uniswap V4 · Ethereum Durability 28/100 | 6.88% | 6.49% / 6.85% | $1.1M | $68.83 · $688.29 · $6,882.92 |
USDT · Lista Lending · BNB Chain Durability 41/100 | 6.61% | 4.43% / 3.07% | $2.7M | $66.08 · $660.78 · $6,607.76 |
USDC · Morpho Blue · Base Durability 87/100 | 5.83% | 5.73% / 5.89% | $33.6M | $58.26 · $582.59 · $5,825.88 |
USDT · Maple · Ethereum Durability 84/100 | 5.55% | 4.74% / 4.69% | $672.7M | $55.48 · $554.83 · $5,548.32 |
USDT · Uniswap V3 · Ethereum Durability 26/100 | 5.48% | 10.38% / 9.37% | $25.4M | $54.85 · $548.50 · $5,484.99 |
USDC · Maple · Ethereum Durability 95/100 | 5.18% | 5.06% / 5.00% | $2.9B | $51.76 · $517.64 · $5,176.36 |
USDC · Kamino · Solana Durability 58/100 | 5.03% | 4.85% / 4.89% | $3.1M | $50.27 · $502.69 · $5,026.92 |
USDC · Morpho Blue · Hyperliquid L1 Durability 82/100 | 4.86% | 5.04% / 5.71% | $3.5M | $48.65 · $486.49 · $4,864.87 |
USDC · Morpho Blue · Base Durability 95/100 | 4.85% | 4.58% / 4.44% | $30.9M | $48.52 · $485.19 · $4,851.90 |
USDC · Fluid · Ethereum Durability 69/100 | 4.69% | 4.01% / 4.01% | $129.1M | $46.90 · $469.00 · $4,690.00 |
USDC · Fluid · Ethereum Durability 74/100 | 4.68% | 4.02% / 4.03% | $129.6M | $46.80 · $468.00 · $4,680.00 |
USDC · Aave V3 · Avalanche Durability 64/100 | 4.62% | 4.80% / 4.31% | $6.4M | $46.24 · $462.38 · $4,623.84 |
USDC · Centrifuge · Base Durability 17/100 | 4.49% | 4.01% / 4.01% | $7.2M | $44.88 · $448.85 · $4,488.45 |
Freshness:
