USDC lending ladder

See author updates; each change needs your approval, never applied automatically.

Deposits across copies

$2.3M

Independently funded portfolios

Exposure

USDC

What the strategy holds

Net APY

6.50%

After strategy fees

Followers

824

Following strategy updates

About

What it does

USDC spread across Morpho, Aave and Spark with at most 35% in any one venue.

How it decides

The curator rebalances weekly toward the best net rate, inside a 35% cap per venue.

Net APY

6.50%

From 6.18% on 7 Sept 2026 to 6.50% on 7 Oct 2026, 6.77% on average.

Snapshot 7 Oct 2026 · history begins 1 Aug 2026

APY breakdown

Base APY
6.92%
Incentives
+0.50 pp
Performance fee
0% of yield
Management fee
−0.20 pp / year
Author fee
10% of yield · −0.72 pp
Net APY
6.50%

Net APY is after the fees above and strategy financing costs. pp means percentage points. Author fees apply after management fees.

Net APY by day
DayNet APY
7 Oct 20266.50%
6 Oct 20266.13%
5 Oct 20265.99%
4 Oct 20266.10%
3 Oct 20266.25%
2 Oct 20266.22%
1 Oct 20266.01%
30 Sept 20265.81%
29 Sept 20265.86%
28 Sept 20266.18%
27 Sept 20266.64%
26 Sept 20267.18%
25 Sept 20267.95%
24 Sept 20268.94%
23 Sept 20269.55%
22 Sept 20269.28%
21 Sept 20268.47%
20 Sept 20267.73%
19 Sept 20267.17%
18 Sept 20266.76%
17 Sept 20266.56%
16 Sept 20266.61%
15 Sept 20266.72%
14 Sept 20266.66%
13 Sept 20266.36%
12 Sept 20265.99%
11 Sept 20265.80%
10 Sept 20265.89%
9 Sept 20266.13%
8 Sept 20266.26%
7 Sept 20266.18%

Not advice. Beware of links to other sites.

  • ines.base2h ago

    Why the move into Morpho last week? The rate gap looked small after costs.

  • northgate.eth5h ago

    Been in since August. 6.5% net is holding up better than I expected.

  • yuki.ethCopy of $7.0K1d ago

    Does the cap per venue apply before or after the idle buffer?

  • 0x8c21…e0a4Copy of $34.3K2d ago

    Would love a weekly note on what changed and why. The activity tab is good but terse.

  • 0x8c21…e0a44d ago

    Moved my USDC here from a plain lending position. Same risk, fewer manual moves.

  • 0xa04e…93c2Copy of $25.4K9d ago

    What happens to deposits if one venue pauses withdrawals?

  • 0x691a…7bC0Copy of $37.9K14d ago

    The fee breakdown under Net APY is the clearest I've seen. Thanks for showing it.

Figures are illustrative · Snapshot 7 Oct 2026