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CIR ranking · USDC accounts
Best USDC interest accounts and earn platforms
These matching USDC platforms are ordered definitively by CIR score. Base and maximum APY, product structure, lockup and availability are shown to help readers evaluate the ranked options.
Lune
Tracked USDC rate
29.5%
CoinDepo
Tracked USDC rate
Up to 23%
Clapp Finance
Tracked USDC rate
8.2%
Nook
Tracked USDC rate
Up to 7.6%
#1 · Best overall
Lune
Why it stands out: Lune combines a 4.7 CIR score with a tracked USDC offer of 29.5%. The ranking balances editorial score and rate competitiveness, then checks the product structure, access and lockup before assigning a category award.
- Base APY
- 29.5%
- Product type
- On-chain or DeFi product
- Lockup
- 1-360 days
- Availability
- Worldwide
Why consider it
- +CIR score of 4.7 out of 5.
- +29.5% tracked USDC offer.
- +Worldwide availability is reported.
Tradeoffs to check
- !Confirm the eligible balance, region and product.
- !1-360 days is the listed lockup or withdrawal term; verify it directly.
- !USDC yield is not an insured bank deposit and can involve platform, lending, custody or smart-contract risk.
#2 · Runner-up
CoinDepo
Why it stands out: CoinDepo combines a 4.7 CIR score with a tracked USDC offer of 17% base · up to 23%. The ranking balances editorial score and rate competitiveness, then checks the product structure, access and lockup before assigning a category award.
- Base APY
- 17%
- Product type
- USDC earn product
- Lockup
- None
- Availability
- Worldwide
Why consider it
- +CIR score of 4.7 out of 5.
- +17% base · up to 23% tracked USDC offer.
- +Worldwide availability is reported.
Tradeoffs to check
- !Confirm the eligible balance, region and product.
- !No fixed lockup is currently listed; verify withdrawal timing and product-specific conditions.
- !USDC yield is not an insured bank deposit and can involve platform, lending, custody or smart-contract risk.
#3 ·
Clapp Finance
Why it stands out: Clapp Finance combines a 4.5 CIR score with a tracked USDC offer of 8.2%. The ranking balances editorial score and rate competitiveness, then checks the product structure, access and lockup before assigning a category award.
- Base APY
- 8.2%
- Product type
- Exchange rewards product
- Lockup
- None to 12 months
- Availability
- Worldwide
Why consider it
- +CIR score of 4.5 out of 5.
- +8.2% tracked USDC offer.
- +Worldwide availability is reported.
Tradeoffs to check
- !12 month lockup
- !No fixed lockup is currently listed; verify withdrawal timing and product-specific conditions.
- !USDC yield is not an insured bank deposit and can involve platform, lending, custody or smart-contract risk.
#4 ·
Nook
Why it stands out: Nook combines a 4.4 CIR score with a tracked USDC offer of 0% base · up to 7.6%. The ranking balances editorial score and rate competitiveness, then checks the product structure, access and lockup before assigning a category award.
- Base APY
- 0%
- Product type
- On-chain or DeFi product
- Lockup
- None
- Availability
- Worldwide
Why consider it
- +CIR score of 4.4 out of 5.
- +0% base · up to 7.6% tracked USDC offer.
- +Worldwide availability is reported.
Tradeoffs to check
- !Advertised up to rate; Nook says rates vary and describes 7.6% as its 12-month average.
- !No fixed lockup is currently listed; verify withdrawal timing and product-specific conditions.
- !USDC yield is not an insured bank deposit and can involve platform, lending, custody or smart-contract risk.
How we ranked these picks
- 1.To qualify, a platform must be listed by CIR with a tracked USDC-specific rate.
- 2.CIR score determines the ranking order. The highest-scoring matching platform ranks first.
- 3.Ties in CIR score are resolved by the tracked USDC rate, then platform name.
- 4.We show base and maximum APY separately so a conditional headline rate does not appear universally available.
- 5.Product structure, geography and access can outweigh a small rate difference.
Index and ranking of the best USDC Interest Rates (Circle) APY across crypto accounts, making it easy to compare and find the best rate.
Circle Interest Rates sorted by best rate
New US regulations prevent stablecoin issuers, like Circle, from paying passive interest to holders. Platforms listed below are not issuers.
Stablecoins are not FDIC insured and earning yield typically requires lending or otherwise deploying the asset, which involves risks.
We retain the term Interest Rate on this page as a universal benchmark to help you compare these rates.
| Platform | Base USDC Rate | Max USDC Rate |
|---|---|---|
| 29.5% | - |
| 17% | 23% |
  | 13% | - |
  | 12% | - |
  | 12% | - |
  | 10% | - |
| 8.2% | - |
  | 6.64% | 8% |
  | 6% | 10% |
  | 5% | - |
  | 4.08% | 5.12% |
  | 3.85% | - |
  | 3.79% | - |
  | 3.3% | 7% |
 | 3% | 10% |
  | 2% | 10% |
  | 2% | - |
  | 0.5% | - |
  | 0% | 3.5% |
What is USDC?
Circle (USDC) is a leading stablecoin that’s value is linked to the US dollar. It is stable & regulated, settles quickly and is available across many platforms and services. It is created by Circle Internet Financial, LLC. Learn more at circle.com.
See also: Stablecoin Interest Calculator
Stablecoins are useful and in-demand for many purposes, but because their price is stable and predictable they are especially useful for traders and holders. You should compare interest rates often to ensure you’re earning your fair share for USDC (Circle). Interest rates change, so knowing where and who is paying the most is critical.
Stablecoins are a type of digital currency designed to minimize the volatility typically associated with Bitcoin or Ethereum. Unlike those coins, stablecoins are designed to maintain a stable value over time. This stability is achieved by pegging the value to a more stable fiat currency like USD, EUR or GBP. In the case of USDC, it is pegged to the United States Dollar (USD).
Some uses of stablecoins in the crypto markets include:
- Medium of Exchange: Stablecoins provide a more stable medium of exchange than volatile cryptocurrencies, making them ideal for daily transactions, remittances and commerce. This stability encourages their use for buying and selling goods and services without the risk of significant price changes. For example, most people would rather spend their USD than their BTC, since the value is steady and predictable.
- Store of Value: Because of their stability, stablecoins can serve as a safe haven for investors during periods of high volatility, like bear markets. Investors may convert their holdings into stablecoins to preserve their capital when the market is dropping, and use those reserves to buy “dips.”
- CeFi/DeFi Applications: Stablecoins are integral to the crypto finance ecosystem, which includes lending, borrowing, yield farming, and liquidity mining.
- Trading Pairs: In cryptocurrency exchanges, stablecoins are commonly used as trading pairs against other cryptocurrencies. This usage simplifies the trading process, as traders can easily calculate the fiat equivalent of their trades without converting back to traditional currencies, reducing transaction fees and complexity.
Why should you be comparing rates?
Understanding and comparing USDC interest rates is key for investors looking to maximize returns. Choosing platforms with the best Circle APY interest rates is crucial and allows you to earn more for your holdings.
Where can you earn interest on USDC?
You can earn interest on USDC on a variety of crypto platforms, such as Coinbase, YouHolder or Nexo. You can also earn yield on newer apps like Nook.
