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 4.36% APY on USDC, the strongest live alternative on Yield.ly is USDC · Euler · Ethereum at 73.99% APY with a modeled net Yield Alpha of +1410 USD over 30 days on $25,000 after labeled switching-cost estimates (decision: MOVE).
Details → · Yields are variable. Switching costs are labeled estimates.
Baseline assumes you currently earn near the live median 4.36% APY across 151 qualified USDC opportunities. Principal modeled at $25,000 over 30 days. Run your own numbers.
Top modeled alternative
Net Yield Alpha clears 125 USD over the horizon with durability 95/100.
Net Yield Alpha
$1,409.73
Alt APY
73.99%
Durability
| Opportunity | APY | 7d / 30d | TVL | $1k / $10k / $100k yr |
|---|---|---|---|---|
USDC · Euler · Ethereum Durability 95/100 | 73.99% | 73.99% / 73.99% | $4.7M | $739.91 · $7,399.07 · $73,990.69 |
WETH · Uniswap V3 · Ethereum Durability 25/100 | 39.21% | 28.92% / 28.80% | $88.2M | $392.06 · $3,920.57 · $39,205.68 |
USDC · Uniswap V4 · Ethereum Durability 16/100 | 20.83% | 9.06% / 9.06% | $1M | $208.35 · $2,083.50 · $20,834.97 |
ETH · Fluid DEX · Ethereum Durability 22/100 | 16.48% | 21.14% / 15.18% | $6.4M | $164.84 · $1,648.41 · $16,484.08 |
USDT · Morpho Blue · Ethereum Durability 73/100 | 13.54% | 11.94% / 12.41% | $43.2M | $135.42 · $1,354.17 · $13,541.69 |
USDT · Uniswap V3 · Ethereum Durability 22/100 | 9.58% | 7.23% / 7.45% | $24.5M | $95.78 · $957.83 · $9,578.33 |
USDC · Convex · Ethereum Durability 41/100 | 9.34% | 1.41% / 0.67% | $9.2M | $93.40 · $934.01 · $9,340.13 |
USDC · Curve · Ethereum Durability 41/100 | 9.34% | 0.73% / 0.69% | $9.3M | $93.40 · $934.00 · $9,340.01 |
USDC · Centrifuge · Pharos Durability 72/100 | 8.86% | 8.73% / 8.73% | $1M | $88.56 · $885.62 · $8,856.21 |
USDT · Centrifuge · Ethereum Durability 77/100 | 8.86% | 8.80% / 7.83% | $1.7M | $88.56 · $885.62 · $8,856.21 |
USDC · Kamino · Solana Durability 66/100 | 8.74% | 8.30% / 8.37% | $7.5M | $87.45 · $874.48 · $8,744.78 |
USDT · Lista Lending · BNB Chain Durability 41/100 | 8.63% | 3.61% / 3.84% | $2.7M | $86.26 · $862.61 · $8,626.10 |
USDC · Midas RWA · Ethereum Durability 79/100 | 8.17% | 6.89% / 7.49% | $28.9M | $81.70 · $817.00 · $8,170.00 |
USDC · Midas RWA · Ethereum Durability 73/100 | 8.05% | 6.62% / 7.00% | $3.8M | $80.50 · $805.00 · $8,050.00 |
USDC · Midas RWA · Ethereum Durability 73/100 | 8.05% | 6.95% / 7.05% | $1.4M | $80.50 · $805.00 · $8,050.00 |
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