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 3.48% APY on USDC, the strongest live alternative on Yield.ly is WETH · Uniswap V3 · Ethereum at 34.28% APY with a modeled net Yield Alpha of +613 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 3.48% APY across 42 qualified USDC opportunities. Principal modeled at $25,000 over 30 days. Run your own numbers.
Top modeled alternative
Positive edge exists but alternative durability (19/100) is below 40.
Net Yield Alpha
$612.54
Alt APY
34.28%
Durability
| Opportunity | APY | 7d / 30d | TVL | $1k / $10k / $100k yr |
|---|---|---|---|---|
WETH · Uniswap V3 · Ethereum Durability 19/100 | 34.28% | 48.54% / 48.46% | $95.7M | $342.83 · $3,428.33 · $34,283.32 |
USDC · Aave V3 · Ethereum Durability 35/100 | 11.78% | 5.83% / 5.61% | $17.7M | $117.80 · $1,177.96 · $11,779.60 |
USDT · Uniswap V3 · Ethereum Durability 22/100 | 11.57% | 10.38% / 9.37% | $24.8M | $115.68 · $1,156.84 · $11,568.36 |
USDC · Aave V3 · Avalanche Durability 50/100 | 8.69% | 4.80% / 4.31% | $3M | $86.88 · $868.85 · $8,688.46 |
USDC · Euler · Monad Durability 85/100 | 8.22% | 7.74% / 7.76% | $3.6M | $82.21 · $822.11 · $8,221.13 |
USDC · Morpho Blue · Hyperliquid L1 Durability 73/100 | 6.55% | 5.04% / 5.71% | $1.5M | $65.49 · $654.90 · $6,549.00 |
USDC · Fluid · Ethereum Durability 50/100 | 6.16% | 4.02% / 4.03% | $133.2M | $61.60 · $616.00 · $6,160.00 |
USDC · Morpho Blue · Base Durability 87/100 | 5.99% | 5.73% / 5.89% | $36.2M | $59.90 · $598.98 · $5,989.75 |
USDT · Maple · Ethereum Durability 84/100 | 5.40% | 4.74% / 4.69% | $727.1M | $54.03 · $540.33 · $5,403.27 |
USDC · Maple · Ethereum Durability 95/100 | 5.23% | 5.06% / 5.00% | $2.8B | $52.34 · $523.39 · $5,233.93 |
USDC · Morpho Blue · Base Durability 95/100 | 4.75% | 4.41% / 4.36% | $413M | $47.53 · $475.27 · $4,752.72 |
USDC · Morpho Blue · Base Durability 95/100 | 4.75% | 4.41% / 4.35% | $148.9M | $47.46 · $474.64 · $4,746.39 |
USDC · Morpho Blue · Base Durability 95/100 | 4.36% | 4.05% / 4.13% | $3.1M | $43.63 · $436.31 · $4,363.10 |
USDC · Morpho Blue · Base Durability 95/100 | 4.27% | 3.97% / 3.92% | $1.8M | $42.70 · $427.04 · $4,270.44 |
USDC · Morpho Blue · Base Durability 95/100 | 4.26% | 3.96% / 3.91% | $493.7M | $42.63 · $426.31 · $4,263.08 |
Freshness:
